vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Synergy One Lending, Inc.
State: CA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX Category : Mortgage Refinance Incorrect payoff / servicer error I am filing this complaint regarding XXXX  XXXX XXXX  handling of my XXXX refinance, which resulted in a failure to request a complete payoff and failure to clear a federally recorded HUD Partial Claim lien of {$8700.00} tied to my FHA loan. 

During the refinance, XXXX XXXX XXXX was required to request a full payoff demand from my prior servicer ( LoanCare ) and ensure that all liensincluding HUD Partial Claimswere included and cleared. This did not occur. 

A HUD Partial Claim promissory note dated XX/XX/XXXX for {$8700.00} was recorded as a subordinate lien on my property. This lien should have been paid off at the time of refinance. 

XXXX XXXX XXXX failed to : Request a full payoff including the HUD Partial Claim Identify the subordinate lien Comply with FHA refinance requirements Verify that escrow cleared all liens before closing LoanCare later issued a written letter stating my loan was fully satisfied, which I relied upon. Only recently did HUD notify me that the Partial Claim was never paid due to lender and escrow oversight. 

This error has resulted in financial harm and a sudden unexpected obligation years after the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon looking on my credit report, i noticed a late payment listed on XXXX account number XXXX which i believe to be inaccurate. I have maintained on-time payments and do not have documentation showing this payment was 30 days late. I request a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, then please update report to show accurate reporting of my credit. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this complaint regarding TransUnions reporting of inaccurate public record information, specifically a bankruptcy listed as : XXXX XXXX XXXXXXXX XXXX XXXX  # : XXXX TransUnion continues to report this bankruptcy as verified as accurate, despite the fact that the information can not be verified through any valid or legally acceptable source. 

Reasons This Bankruptcy Is Inaccurate : XXXX does NOT have this bankruptcy on file, and they are the third-party provider for TransUnions public record data. 

PACER can not be used as a verification source, as it is not a consumer reporting agency and does not provide verified public record data for credit reporting purposes. 

TransUnion has not provided any documentation, source information, or proof of how this bankruptcy was verified when I requested it. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to verify disputed information using a reliable and documented source which they have failed to do. 

TransUnions Violation By reporting this bankruptcy without a verifiable source, TransUnion is in violation of the FCRA, including but not limited to : Failure to maintain reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Failure to provide the method of verification upon request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Failure to properly reinvestigate disputed public record information ( 15 U.S.C. 1681i )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Services is reporting a XXXX XXXX collection account. I submitted a written debt validation request, and the company has failed to provide required documentation, including validation of the balance and proof they have the right to collect this alleged debt. Continued reporting without validation violates FDCPA 1692g ( b ). I am requesting that this account be deleted if CCS can not provide complete validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for reporting inaccurate and unverified bankruptcy information on my credit report. The item in question is listed as : XXXX XXXX XXXXXXXX XXXX Docket # : XXXX Status : Verified as Accurate Equifax claims to have verified this bankruptcy, but their verification is false and unsupported. I conducted my own investigation and discovered the following : XXXX does NOT have this bankruptcy on file, which is the primary public records provider used by the credit bureaus. 

PACER can not be used as a verification source, as it is not a consumer reporting agency and does not meet FCRA requirements for verification. 

The docket number XXXX does not match any actual bankruptcy filed under my name in the XXXX XXXX XXXX XXXX 

Despite these facts, Equifax continues to report this bankruptcy and refuses to provide any documentation proving its accuracy, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681c-2 failure to provide verification method/documentation upon consumer request I have repeatedly requested that Equifax provide : The source they used to verify this bankruptcy Copies of documents or records showing this bankruptcy exists An explanation of their verification process Equifax has provided none of this, yet continues to report the bankruptcy as accurate, which is materially harming my credit, my ability to obtain housing, and my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Tried to open a new cash app account multiple times but gets closed as soon as I get completed filling in all my information. I have reached out to find out why this keeps happening with no response only automated reply stating it goes against their terms and policies. I'm not understanding why if I haven't even been successful opening the account to violate the policy and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Re : Cease and Desist Notice To Whom It May Concern, This letter is a formal request that you cease and desist all communication with me regarding the above-referenced account. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop contacting me by all means, including but not limited to telephone calls, voicemails, emails, text messages, letters, or communication through third parties.

You may only contact me in the future to confirm one of the following : 1. That you will comply with this request and cease communications ; or 2. That you intend to pursue a specific legal remedy permitted by law. 

This letter is not an admission of liability, nor is it a refusal to pay. It is simply a lawful request to stop further communication. 

Any continued contact in violation of this request may be documented and reported to the appropriate regulatory agencies. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have tried to get information on where I can use the American Express Gift Card but I keep being told one thing and then try to do it and it does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Re : Cease and Desist Notice To Whom It May Concern, This letter is a formal request that you cease and desist all communication with me regarding the above-referenced account. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop contacting me by all means, including but not limited to telephone calls, voicemails, emails, text messages, letters, or communication through third parties.

You may only contact me in the future to confirm one of the following : 1. That you will comply with this request and cease communications ; or 2. That you intend to pursue a specific legal remedy permitted by law. 

This letter is not an admission of liability, nor is it a refusal to pay. It is simply a lawful request to stop further communication. 

Any continued contact in violation of this request may be documented and reported to the appropriate regulatory agencies. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because all three major credit bureaus Experian, Equifax, and TransUnion are reporting inaccurate information about me and are not following the requirements of the Fair Credit Reporting Act. 

I recently pulled my credit reports from XXXX and found several errors in my accounts and personal information. I have already disputed these items directly with the credit bureaus, but I do not believe they conducted a proper reinvestigation as required under 15 U.S.C. 1681i ( a ). Many of the items they verified are still incorrect, incomplete, or can not be verified at all.

I also requested the bureaus to follow the laws under : 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ) 15 U.S.C. 1681i ( a ) ( 1 ) ( reasonable reinvestigation ) 15 U.S.C. 1681i ( a ) ( 7 ) ( method of verification ) 15 U.S.C. 1681g ( full consumer file disclosure ) They did not provide me with a proper method of verification, did not explain how they verified these accounts, and did not provide documentation or the procedures they used. This is a violation of the FCRA. 

I also asked the bureaus to correct my personal information. They are still reporting old addresses and names that do not belong to me, even though I provided my correct information. These errors are affecting the accuracy of my file and should have been fixed during the reinvestigation. 

Correct Information : Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Georgia XXXX I also requested a full consumer file disclosure under 15 U.S.C. 1681g, including all information in my file, all inquiries, and the certifications from anyone who accessed my report. I did not receive the full file disclosure I am legally entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because all three major credit bureaus Experian, Equifax, and TransUnion are reporting inaccurate information about me and are not following the requirements of the Fair Credit Reporting Act. 

I recently pulled my credit reports from XXXX and found several errors in my accounts and personal information. I have already disputed these items directly with the credit bureaus, but I do not believe they conducted a proper reinvestigation as required under 15 U.S.C. 1681i ( a ). Many of the items they verified are still incorrect, incomplete, or can not be verified at all.

I also requested the bureaus to follow the laws under : 15 U.S.C. 1681e ( b ) ( reasonable procedures for maximum accuracy ) 15 U.S.C. 1681i ( a ) ( 1 ) ( reasonable reinvestigation ) 15 U.S.C. 1681i ( a ) ( 7 ) ( method of verification ) 15 U.S.C. 1681g ( full consumer file disclosure ) They did not provide me with a proper method of verification, did not explain how they verified these accounts, and did not provide documentation or the procedures they used. This is a violation of the FCRA. 

I also asked the bureaus to correct my personal information. They are still reporting old addresses and names that do not belong to me, even though I provided my correct information. These errors are affecting the accuracy of my file and should have been fixed during the reinvestigation. 

Correct Information : Name : XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Georgia XXXX I also requested a full consumer file disclosure under 15 U.S.C. 1681g, including all information in my file, all inquiries, and the certifications from anyone who accessed my report. I did not receive the full file disclosure I am legally entitled to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief