vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Phh has been our mortgage company for a year. We are XXXX v a XXXX only pay our insurance. Our insurance has not gone up currently we pay XXXX a month into our escrow they want to jump it to XXXX. Our insurance is XXXX they want an escrow of XXXX. That's XXXX more than our insurance payment. I have sent emails. They will not call me or give me a number for escrow department. They keep sending the same email over and over. I have NEVER had a mortgage company ask for this much pad in an escrow. They have a customer service number but they can not talk about our escrow and give you the email address over and over. I have emailed 5 times getting same email telling us our escrow is going up XXXX dollars. No resolution no contact just the same email over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$650.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-19 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX Chase bank added {>= $1,000,000} dollars into my account and then subtracted it. I called and inquired about it and they said it was a mistake and will be fixed in the morning. I called the next day and they said a 48 hour hold was on my account. I the. Went to the bank and they said I needed to call a number. I was transferred a few times until someone said me or my husband was reported deceased. I asked how to clear this up and they said they needed to escalate it and someone would connect me. I gave it another 48 hours. I called back and another person gave me another claim number and said give them 48 hours and again its been over 48 hours and no one has called me. I havent received anything in the mail etc.. I just want the money that is mine out of the account and it can be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of late payment notations associated with the following account appearing in my Experian credit file : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. 

Upon reviewing my credit file, I noted multiple 30-day late payment notations in XXXX ( XXXX, XXXX, XXXX, and XXXX ). I dispute the accuracy of these entries and request a reinvestigation to verify whether they were correctly reported. 

As a XXXX resident, I also invoke my protections under the XXXX XXXX XXXX XXXX, which prohibits the continued reporting of inaccurate or misleading information by consumer reporting agencies. 

Requested Action I request that Experian, equifax, transuion promptly : Conduct a full reinvestigation into all late payment notations reported on this account. 

Delete any entries that can not be fully verified with supporting documentation from XXXX XXXX. 

Update the account to reflect accurate positive reporting ( current, paid as agreed ) if verification can not be provided. 

If Experian can not verify the reported late payments in compliance with FCRA accuracy standards, the derogatory marks must be removed. 

Supporting Documentation To assist in your investigation, I have enclosed the following : A copy of my credit report with the disputed late payments highlighted. 

A copy of my government-issued ID. 

Proof of address ( utility bill or bank statement ). 

Response Deadline As required by FCRA 611 ( a ) ( 1 ), please complete your investigation and provide a written response within 30 days of receipt of this letter. If the reported late payments are verified, please provide complete documentation from XXXX XXXX showing the specific payment records relied upon. 
Failure to correct these inaccuracies may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and other appropriate regulators. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that the account has been corrected. 

Sincerely XXXX XXXX Enclosures : Copy of ID Proof of Address Highlighted Credit Report

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 2025-09-19 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 writing to formally dispute the accuracy of late payment notations associated with the following account appearing in my Experian credit file : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. 

Upon reviewing my credit file, I noted multiple 30-day late payment notations in XXXX ( XXXX, XXXX, XXXX, and XXXX ). I dispute the accuracy of these entries and request a reinvestigation to verify whether they were correctly reported. 

As a XXXX resident, I also invoke my protections under the XXXX XXXX XXXX XXXX, which prohibits the continued reporting of inaccurate or misleading information by consumer reporting agencies. 

Requested Action I request that Experian, equifax, transuion promptly : Conduct a full reinvestigation into all late payment notations reported on this account. 

Delete any entries that can not be fully verified with supporting documentation from XXXX XXXX. 

Update the account to reflect accurate positive reporting ( current, paid as agreed ) if verification can not be provided. 

If Experian can not verify the reported late payments in compliance with FCRA accuracy standards, the derogatory marks must be removed. 

Supporting Documentation To assist in your investigation, I have enclosed the following : A copy of my credit report with the disputed late payments highlighted. 

A copy of my government-issued ID. 

Proof of address ( utility bill or bank statement ). 

Response Deadline As required by FCRA 611 ( a ) ( 1 ), please complete your investigation and provide a written response within 30 days of receipt of this letter. If the reported late payments are verified, please provide complete documentation from XXXX XXXX showing the specific payment records relied upon. 
Failure to correct these inaccuracies may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and other appropriate regulators. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that the account has been corrected. 

Sincerely XXXX XXXX Enclosures : Copy of ID Proof of Address Highlighted Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TX

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 2025-09-19 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: TX

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 2025-09-19 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: IL

Complaint narrative:
This collection account is inaccurate and should be removed. 
It has already been deleted from both TransUnion and Equifax after their investigations. Please verify with the original creditor and remove this account from my Experian report to ensure accuracy and consistency across all credit bureaus. Account # LVNV FUNDINGXXXX LVNV FUNDINGXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: Bright Side Loans, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX, I obtained an installment loan from Bright Side Loans under the following terms : Amount Financed : {$2000.00} Annual Percentage Rate ( XXXX ) : 198.46 % Finance Charge : {$2600.00} Total of Payments : {$4600.00} Payment Schedule : XXXX bi-weekly payments of {$170.00} plus XXXX final payment of {$170.00} First Payment Due : XX/XX/XXXX ( only XXXX  days after origination ) Final Payment Due : XX/XX/XXXX The contract also states the loan has a high interest rate and is not intended to provide a solution for longer term credit. Despite that disclaimer, the loan is structured to last XXXX full year, making the statement misleading and contradictory. 

Additionally, the borrowers right to cancel was limited to XXXX p.m. the next business day after origination. That unreasonably short window effectively denies consumers the ability to rescind once they realize the true cost. 

The loan terms are predatory and unconscionable : the finance charge exceeds the amount financed, the XXXX approaches 200 %, and payments are structured in a way that primarily services interest. 

Compounding this, I have been subjected to harassing and unprofessional collection practices : Calls and texts from multiple different phone numbers and short codes, making it difficult to confirm legitimacy. 
Messages accusing me of scamming the lender, threatening legal escalation to attorneys, and including suspicious payment links. 

I am a caregiver for dependent children and obtained this loan during financial hardship. Rather than providing relief, XXXX XXXX imposed abusive terms and engaged in coercive and deceptive practices. 

Requested Relief : Investigation of Bright SideXXXX  licensing and compliance with state and federal lending laws. 
Determination that the APR, finance charge, and cancellation terms are unconscionable. 
Immediate cessation of harassing communications. 
Suspension of collection and reporting activity until the debt is validated. 
Appropriate relief, including rescission of the loan, restitution, and deletion of negative credit reporting. 
XXXX. Truth in Lending Act ( XXXX ) : Although disclosures were provided, the APR and finance charge are unconscionable and violate consumer protection principles. 
XXXX. Fair Credit Reporting Act ( FCRA ) : The lender threatens reporting without validating the accuracy of the debt. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Repeated harassing phone calls and vague, coercive text messages constitute unfair and deceptive collection practices. 
XXXX. Idaho XXXX Laws : While XXXX XXXX claims to be licensed in Idaho, the terms and conduct here are inconsistent with lawful, good-faith lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AL

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 ONE 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 2025-09-19 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-09-19 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: FL

Complaint narrative:
To Whom It May Concern : Re : Account/Reference Number : I am writing to request validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract that establishes my liability.

3. A detailed account statement showing how the amount claimed was calculated.

4. Verification that you are licensed to collect debts in my state and proof of such license.

5. A copy of any judgment ( if applicable ). 

Until this information is provided, you must cease all collection activities, including reporting to any credit reporting agencies, as failure to validate the debt is a violation of federal law. 

Be advised that any attempt to collect without providing proper validation will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 

This letter is not a refusal to pay, but a notice that your claim is disputed. I request all future communications be in writing. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: LA

Complaint narrative:
The creditor will not remove account or inaccurate information from my report. It has been paid in full for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief