vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NH

Complaint narrative:
Good day. I can not stress enough how frustrating and debilitating this situation has become. I woke up one day to find a collection account linked to my namean alleged debt I know nothing about. It is unverified, unfamiliar, and simply not mine. On top of that, I have been receiving harassment across multiple communication platforms, each using different tactics, including threats of legal action. As a law-abiding citizen, this is incredibly insulting and a blatant violation of my consumer rights. This issue has severely affected my mental health, causing extreme stress and several sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IN

Complaint narrative:
I am filing this complaint because several items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to address these issues directly with the bureaus, but the information is still reporting incorrectly. I am requesting the CFPBs assistance to ensure a proper investigation under the FCRA. 
Charged-Off Accounts XXXX XXXX  Acct # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$3800.00} XXXX dispute the accuracy of this account. I have not received proper documentation validating this balance or reporting. 

XXXX Acct # XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$140.00} I dispute this account because the date opened appears incorrect and no validation has been provided to support the reporting. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} * * A {$0.00} balance conflicts with the charge-off status. I request verification or removal. 

Inquiries None listed. 

Late Payments XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  These late payments are being reported inaccurately. I request complete verification of payment records. If not validated, these late marks should 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 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing failed to pay my XXXX XXXX property taxes for tax years XXXX, XXXX, and XXXX despite collecting escrow every month. They finally paid {$18000.00} on XX/XX/XXXX, then created a {$21000.00} escrow shortage and increased my monthly payment from approximately {$2000.00} to {$4000.00} ( later reduced to {$2600.00} after XXXX  pressure ). 

In recorded phone calls ( including XX/XX/XXXX ), Shellpoint representatives repeatedly admitted the error was theirs and promised I would not have to repay the taxes. They later reversed this position, claiming the representative made a mistake. They also issued {$8100.00} in escrow surplus refunds ( XXXX ) instead of retaining the money for taxes, further proving mismanagement. 

Shellpoint now blames a delay in tax certification on my legitimate XXXX exemption application. This is irrelevant under RESPA/Regulation X 1024.17, servicers must make timely tax payments using good-faith estimates from reliable sources ( XXXX XXXX reports ) even when certification is delayed. 

I am XXXX XXXX XXXX, my husband is over XXXX, and the sudden payment increase has caused severe financial hardship and distress. The XXXX closed my complaint ( ID XXXX ) on or around XX/XX/XXXX, and directed me to the CFPB. I request senior/vulnerable-consumer priority handling. 

Violations : - RESPA / Regulation X ( 12 C.F.R. 1024.17 escrow management ; 1024.34 timely disbursements ; 1024.35 error resolution ) - CFPA unfair/deceptive practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has decided to revoke my debit card even though I have only used the app to make reasonable purchases and make claims for items that were not in good or wanted condition, they revoked my debit card for being high risk even though I was just trying to be a good customer

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Thrift Investment Corp.
State: CT

Complaint narrative:
On XX/XX/year> my vehicle was repossessed. I contacted the lending company on XX/XX/year> and was told to call back Monday, XX/XX/year>. I called back on Monday and was told I have to pay the full remaining balance of the auto loan, instead of just my past due balance and repossession fees and storage fees. I was also told that I was in default for XX/XX/XXXX months, ( XXXX, XXXX and XXXX ) but on my online portal this is not displayed. I had just gotten my car repossessed in XXXX but I paid the fees and gained posession. I was told that the fees for XXXX were due the following day after getting my vehicle back after repossession, and that the payment I made for XXXX bounced, however on my online portal it shows that the payment for XXXX was processed. I was never notified of any of this. There was no mail or email correspondence sent to me, the lender did call me multiple times but left messages stating to call them back. I was aware of my lack of payment for the month of XXXX which is why i believed they were calling me. The lender has repossessed my vehicle without prior notice or notice thereafter, I was only aware after I called my local police department and they informed me of the repossession. Now the lender is saying I can only regain my vehicle by paying the full remaining loan balance, and not just my past due balance and all other associated repossession fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I saw this morning that the inaccurate late payments are still on my credit report and I truly can not understand why they keep showing up. They did not disappear even after I refreshed my browser, and this has left me extremely frustrated. Because of this ongoing issue, I strongly ask that the documents I sent be reviewed carefully so I can finally stop stressing over this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To : Credence Resource Management , LLC XXXX : Compliance / Debt Validation Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Formal Demand to Cease Reporting, Validate & Delete Account FDCPA, FCRA, Privacy & XX/XX/XXXX Violations Account Number : XXXX Original Creditor : XXXX Dear Credence XXXX Department XXXX This letter serves as a formal dispute, validation request, and deletion demand for the above-referenced account based on your companys violations of federal consumer protection laws and unlawful furnishing practices. 
You are being contacted as the furnisher and collector currently reporting this information. 
ACCOUNT IN DISPUTE CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Original Creditor :XX/XX/XXXXBalance : {$450.00} Past Due : {$450.00} Date Opened : XX/XX/year> Status : Collection VIOLATIONS IDENTIFIED XXXX. FDCPA XXXX Failure to Validate Before Reporting You began reporting this alleged debt without providing validation, which is illegal under the Fair Debt Collection Practices Act. 
XXXX. FDCPA XXXX Improper Communication You reported, attempted to collect, and handled personal information without written consent or established communication authorization. 
XXXX. FCRA XXXX ( a ) ( XXXX ) No Permissible Purpose You have not provided documentation showing you have a lawful reason to furnish this alleged debt to credit bureaus. 
XXXX. FCRA Furnisher Violations 15 U.S.C. XXXX You have furnished : Unverified balance No chain of title No contract No ownership documentation No proof of assignment fromXX/XX/XXXX XXXX Article XXXX Contract & Ownership Deficiencies You have not provided the required : Original signed contract Billing statements Complete assignment/transfer history Proof of lawful ownership or authority to collect XXXX. Privacy Law Violations You handled and furnished personal financial data without validation, authorization, or proof of lawful possession. 
FORMAL DEMANDS You are required to : XXXX. Cease all reporting and collection activity Pending full validation. 
XXXX. Provide the following withinXX/XX/XXXX days : Complete debt validation ( FDCPA XXXX ) Original signed agreement with XX/XX/XXXX All billing statements and itemized charges Proof of assignment or ownership Permissible purpose verification under FCRA XXXX XXXX a ) ( XXXX ) XXXX. Delete the account immediately If you can not fully validate and substantiate this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: OR

Complaint narrative:
This correspondence constitutes my official dispute of the listed accounts. I have no association with them, nor did I authorize their setup. I request their removal following a thorough examination. Supporting documentation is 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
I received dunning letter from XXXX XXXX and contacted them via tele-communication ( XXXX & XXXX ) and requested validation on XX/XX/year> ( date to resond by was XX/XX/year> ). On XX/XX/year> I received notification that XXXX XXXX reported a collection on my consumer report which is a direct violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
This is not a clerical error. Multiple accounts on my credit report are inaccurate and fail to meet the Fair Credit Reporting Acts requirement of maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). These erroneous entries are materially misrepresenting my financial history, damaging my creditworthiness, and causing significant emotional and financial hardship during an already difficult time. I will not accept continued reporting of information that can not be verified as fully accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I am filing this complaint because my prepaid card provider did not properly investigate my disputes and misrepresented the nature of my claims. 
1. XXXX Dispute : On XX/XX/XXXX, I filed a dispute for a transaction from XX/XX/XXXX, stating that I never received the merchandise. 
Despite a month-long investigation, the company denied my claim, citing that no error occurred. However, I never claimed that an error occurred ; I only stated that the merchandise was never received. 
2. XXXX Dispute : On XX/XX/XXXX, I filed a dispute for XXXX unauthorized transactions totaling approximately {$4600.00}. 
I requested provisional credit as required under Regulation E.

3. Miscommunication and Denial : In both disputes, the company denied my claims by stating that no error occurred. 
For the XXXX dispute, I repeatedly informed them that I never received the merchandise, not that there was an error. 
For the XXXX dispute, I explained that my prepaid card likely slipped out of my pocket and was misused by someone else. 
In both cases, the company misunderstood my claims and denied them based on a supposed error, which was never part of my explanation. 
4. Ongoing Issues : Even now, I still have not received the merchandise or a refund for the XXXX transaction. 
The XXXX dispute was also denied under the incorrect premise that there was no error, when in fact, the issue was unauthorized use of my card. 

* Important Detail * On the XXXX business day of the XXXX dispute, I called the bank to inquire about the provisional credit. 
The representative informed me that they had denied my claim and would not issue the provisional credit. 
It was only after this call that I received an email denying my claim, which indicates that they did not notify me in a timely or professional manner. 

Thank you for your assistance in ensuring that my concerns are addressed and that proper actions are taken.

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 2025-12-08 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: OR

Complaint narrative:
The item being disputed does not accurately depict my financial habits. Kindly review and update my records for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint because the credit bureaus have willfully violated multiple sections of the FCRA by reporting false, duplicate, outdated, and unverifiable information on my credit reports AND by refusing to respond to my formal disputes. Their complete failure to reinvestigate or even acknowledge my disputes is intentional, negligent, and legally unacceptable. The credit bureaus are actively violating multiple federal statutes, includingFCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate within 30 days, FCRA 1681i Failure to conduct any reasonable reinvestigation, FCRA 1681e ( b ) Failure to maintain maximum possible accuracy, FCRA 623 ( a ) ( 5 ) Reporting inaccurate dates and delinquencies, FCRA 605 ( a ) and many others and these are not minor errors. These are systemic compliance failures. This is affecting my mental health and well-being. I'm asking that CFPB intervene and assist with my issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CT

Complaint narrative:
The following accounts on my Equifax credit report are being disputed due to inaccuracies. These accounts are either unverifiable or incorrectly reported. I demand immediate correction and removal if they can not be verified. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}

Company response to consumer: Closed with explanation