vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centron Services
State: IN

Complaint narrative:
Subject : Medical Debt Collector Forcing Multi-Account Payments & XXXX XXXX XXXX XXXX Credit Bureaus XXXX : XXXX XXXX Collector Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX. 
Reported Balance : {$2800.00} Highest Balance : {$2000.00} Date Opened on Report : XX/XX/year> -- - Complaint Summary : I am filing this complaint because XXXX XXXX is reporting inaccurate and incomplete information to TransUnion and is refusing to allow me to settle XXXX single account unless I also pay multiple other unrelated medical accounts that are not being reported to any credit bureau. 

This violates CFPB medical debt collection guidelines, the FCRA, and the FDCPA. 


-- - Details of the violations : XXXX. XXXX XXXX refuses to settle the reported account unless I pay additional unrelated accounts The collector stated that they will not settle just XXXX account and that I must pay XXXX accounts together, even though : Only XXXX account is being furnished to TransUnion XXXX debt can not be bundled into forced settlement packages Each account must be handled individually under CFPB medical debt guidelines This behavior is coercive and illegal. 


-- - XXXX. XXXX XXXX is furnishing inaccurate information to TransUnion The reported tradeline shows multiple FCRA Metro 2 violations : Account balance ( {$2800.00} ) exceeds the highest balance ( {$2000.00} ) with no legal basis or itemization Account is marked Open, which is incorrect for a collection account ( must be Closed/Collection ) Duplicate Placed for collection remarks Missing required fields, including : Account type Date of first delinquency Closed date Inconsistent or incorrect date opened These inaccuracies violate 15 U.S.C. 1681s-2 ( a ) ( Duty to Report XXXX XXXX ). 


-- - XXXX. XXXX XXXX is refusing to correct errors or provide validation When asked for validation of the inflated balance and missing fields, the collector refused to provide details unless I agreed to settle all accounts simultaneously. 

This is a violation of the FDCPA 809 ( 15 U.S.C. 1692g ).

-- - 4. These inaccuracies are materially harming my credit The account is being furnished inaccurately in a way that is more damaging than allowed by law, and the collector is refusing to fix the reporting. 


-- - What I Need the CFPB to Do : I am requesting the CFPB to : Require XXXX XXXX to correct all inaccurate information Require them to negotiate each account individually, not as a forced bundle Require proper debt validation Or remove the inaccurate tradeline entirely if they can not validate and correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Dear XXXX, I am writing to formally dispute the accuracy of certain information on my credit reports with Experian, XXXX believe that the accounts and inquiries listed below are being reported inaccurately, and I request that they be reviewed and corrected or removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-09 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: OH

Complaint narrative:
I am a consumer reviewing my credit reports and discovered multiple inaccuracies that are negatively affecting my credit profile. I am submitting this complaint to the CFPB for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX Previous Addresses The following addresses are incorrect or outdated and should be removed : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are no longer my valid addresses and should not appear on my credit file. 

XXXX Previous Names There are no prior names reported, but I request verification to ensure no incorrect or unauthorized names are associated with my file. 

XXXX XXXX Accounts The following accounts are being disputed for accuracy and verification : XXXX & XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This account is obsolete and should no longer be reporting. 

XXXX XXXX, Acct. XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX I do not recognize this account, and no valid verification has been provided. 

XXXX Inquiries I am disputing the following inquiries as unauthorized : XXXX XXXX XXXX DO XX/XX/XXXX Capital XXXX Auto Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX These were not authorized by me and should be removed. 

XXXX XXXX XXXX XXXX, Acct. XXXXXXXX XXXX XXXX XXXX XXXX I request verification and proof of the reported late payment. If verification can not be provided, it must be removed.

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 2025-12-09 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: OK

Complaint narrative:
After reviewing my credit reports, I found several negative accounts and a collection entry that are being reported inaccurately and without proper verification. Multiple creditors are reporting charge offs, late payments, or past-due balances, yet none have provided original documentation such as contracts, billing statements, payment histories, or proof of the date of first delinquency. Some accounts were reported as purchased by another lender, but no chain-of-title documentation was supplied to show legal ownership of the debt. Several of the negative entries also contain long sequences of repeated charge-off codes and inconsistent delinquency data, indicating that the information being furnished is incomplete or improperly maintained. I previously disputed these items, yet the credit bureaus marked them as verified without providing any supporting evidence, meaning a proper reinvestigation was not performed as required by the Fair Credit Reporting Act. These inaccurate and unvalidated entries continue to damage my credit profile and affect my ability to obtain credit.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Between XXXX and XXXX, multiple accounts have been reported on my consumer credit reports that contain material inaccuracies, unverifiable information, and fraudulent reporting. These accounts include revolving credit cards, installment loans, and multiple federally serviced student loan tradelines. 

On or about XX/XX/XXXX, a credit card account was reported as opened and later reported with multiple XXXX and XXXX late payment notations with a balance reported in the low thousands of dollars. This information is inaccurate and has never been properly verified. 

Between XXXX and XXXX, XXXX separate student loan accounts serviced by the Department XXXX XXXX were XXXX as opened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These accounts contain inconsistent balances, incomplete payment histories, and reporting that can not be verified as accurate. 

On or about XX/XX/XXXX, an installment account was reported with a balance in excess of {$4000.00} and later reported as past due, despite disputes submitted regarding accuracy and liability. 

On or about XX/XX/XXXX, a bank account was reported as a charge-off, despite conflicting payment history and inconsistent reporting across credit bureaus. Additional closed and settled accounts reported between XXXX and XXXX continue to display derogatory payment histories, charge-off statuses, and settlements that do not match original creditor documentation. 

Since XXXX, I have formally disputed these accounts multiple times with the credit reporting agencies. In each instance, the agencies responded with generic verified results without providing any documentation, contracts, or proof that the information was actually verified with the original creditors. 

Despite my written disputes, the companies : Failed to conduct a reasonable reinvestigation Failed to provide method of verification Continued to publish inaccurate and misleading information Continued to report accounts as delinquent, charged off, or past due Caused ongoing credit denials, financial harm, and emotional distress I am requesting : Immediate deletion of all unverifiable and inaccurate accounts Written proof of verification for any account that remains A full compliance review of the reporting and reinvestigation process Compensation for damages caused by unlawful reporting This complaint is submitted after multiple failed attempts to resolve these issues directly with the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$2600.00} XXXX  I am disputing this account because I believe the reported information may be inaccurate. Please investigate and verify the accuracy of this account. If you can not verify it, I request that it be corrected or removed from my credit report. 

INQUIRIES I am disputing any unauthorized or inaccurate inquiries appearing on my report. Please verify each inquiry. Any that can not be verified should be removed. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX I dispute the late payment reported on this account. Please investigate and provide documentation verifying that this late payment is accurate. If it can not be verified, I request that it be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/year> {$980.00} No contract was ever signed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Would you review this entry? It might be late and contain errors.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
My vehicle financed through Westlake Financial was recently repossessed while I was in the process of requesting a payment extension.

I was never provided with any formal written notice prior to repossession.

A customer service representative implied that my extension was being processed, yet the repossession occurred anyway.

I request that CFPB investigate potential deceptive and unfair practices regarding this repossession and any associated deficiency balance or credit reporting.

I am requesting that Westlake provide all account notes, communications, and proof of notices, and that any negative reporting to credit bureaus be corrected if it was improperly applied. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: I.C. System, Inc.
State: NC

Complaint narrative:
I am submitting a complaint regarding IC System and XXXX XXXX XXXX, both reporting collection accounts that I did not authorize and that can not be validated. These accounts appeared after my personal information was exposed in both the Equifax and TransUnion data breaches. I filed an FTC Identity Theft Report and a police report documenting identity misuse. 

This is the second time I am reporting IC System for this issue. The account was previously disputed and verified without providing any of the legally required documentation. IC System has still not provided a signed contract, proof of assignment, itemized statements, or full validation as required under federal law. 

XXXX XXXX XXXX also failed to provide proper validation. They sent documents previously, but they did not meet the legal standard for validation or assignment proof.

Both companies violated : FDCPA 809 ( b ) failure to validate upon request FCRA 607 ( b ) inaccurate/incomplete reporting FCRA 609 ( a ) ( 1 ) failure to provide verification documents FCRA 611 ( a ) ( 1 ) & ( 5 ) reinvestigation failures FCRA 605B failure to block identity theft information FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information The accounts contain conflicting dates, unverifiable balances, and incomplete Metro-2 fields . Because I am a breach victim and because neither furnisher can validate the accounts, they can not be verified as belonging to me. 

There are also an unauthorized inquirys from XXXX that I did not initiate. They violate : FCRA 604 ( a ) ( 2 ) no permissible purpose FCRA 604 ( f ) obtaining a consumer report without authorization I request immediate deletion of both collection accounts and the unauthorized inquiry, and confirmation that the furnishers stop reporting them permanently. FTC and police reports will be attached.

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 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am the borrower on a first-lien mortgage loan ( account # XXXX ) secured by my primary residence at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, serviced by NewRez dba Shellpoint Mortgage Servicing ( Shellpoint ). Over the past several months, I have filed multiple legitimate complaints with the CFPB regarding Shellpoint 's violations of federal laws, including RESPA ( 12 CFR 1024.41 ), FDCPA ( 15 U.S.C. 1692 ), and California 's Homeowner Bill of Rights ( HBOR ), such as dual-tracking, failure to respond to Qualified Written Requests ( QWRs ), improper fee assessments, and denial of loan modification appeals without proper review. 
Shellpoint has consistently responded to these complaints with identical, copy-pasted boilerplate letters that do not address the specific issues raised. For example : In responses to complaints filed on [ list dates, e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. ], Shellpoint reused the same generic language, ignoring my requests for detailed loan history, itemized fees, chain of title, and validation of post-bankruptcy charges. 
These responses often include irrelevant or fabricated details, such as referencing events or dates not related to my loan, and fail to comply with RESPA timelines ( e.g., 5-day acknowledgment, 30-day substantive response ).

Despite this, the CFPB has accepted these non-responsive replies as adequate and closed my cases without further investigation. When I provide feedback or file new complaints highlighting this pattern, the cycle repeats, allowing Shellpoint to evade accountability for their unlawful practices. 
Most recently, on or around XX/XX/XXXX, Shellpoint 's opposing counsel ( from XXXX XXXX ) called my attorney and accused me of " harassing '' Shellpoint through my CFPB complaints. This is an attempt to silence me and deter me from exercising my legal rights to report violations and seek redress. As a consumer, I have the right under federal law ( e.g., RESPA, FDCPA, and CFPB regulations ) to file complaints without fear of retaliation. Shellpoint 's tactics, including this accusation, constitute unfair, deceptive, and abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531, and may violate anti-retaliation provisions.

This patternShellpoint 's copy-paste responses leading to CFPB closures, followed by accusations of harassment when I persistsuggests systemic issues that the CFPB should investigate. It undermines consumer protections and allows servicers like Shellpoint to continue improper foreclosure activities ( e.g., my trustee 's sale is still posted for XX/XX/XXXX, despite ongoing violations ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: MO

Complaint narrative:
I accepted a {$1200.00} loan from XXXX I read through the loan application and repayment plan before I accepted the terms. 

I was completely unaware that the charges and fees and interest would have me paying back more than 3 times the amount. 

The total amount pay back is {$6200.00} on a {$1200.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX]\n\n[Sun Coast credit Union ]  \n[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnRe: Request for Debt Validation  \nAccount Number: XXXX  \n\nTo Whom It May Concern:\n\nI am requesting validation of the alleged debt referenced above as is my right under the Fair Debt Collection Practices Act (FDCPA) 809.\n\nPlease provide the following:\n1. Proof that I am legally obligated to pay this debt.\n2. A complete payment history from the original creditor, showing how the amount was calculated.\n3. Proof that your agency has the legal right to collect this debt.\n4. A copy of the original signed contract or agreement.\n\nUntil you provide this information, you must cease reporting this account to the credit bureaus.\n\nIf you cannot validate this debt, or fail to do so within 30 days, you must immediately remove it from my credit reports and cease all collection activity.\n\nSincerely,  \nXXXX XXXX

Company response to consumer: Closed with explanation