vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: KS

Complaint narrative:
I am formally disputing and demanding that you XXXX XXXX XXXX immediately cease all collection activities and credit reporting regarding the alleged medical debt ( XXXX ) you claim I owe. The accounts you are attempting to XXXX XXXX from XXXX XXXX that were already disputed with the original providers and/or my insurance XXXX. 
Your continued attempts to collect and report this alleged debt violate : XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX ) XXXX was disclosed to you without my authorization for debt collection and credit reporting. 
Fair Credit Reporting Act ( XXXX XXXX. XXXX ) You are furnishing inaccurate, unauthorized medical tradelines to XXXX XXXX XXXX XXXX 
Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) You are attempting to collect without proper validation of the debt and after notice of dispute. 
I have already filed a complaint with the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX ) against the providers that improperly disclosed my XXXX. If you do not cease all collection and delete all reporting of this account, I will pursue litigation in federal court for damages, injunctive relief, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I made a payment to XXXX XXXX XXXX XXXX for a debt with XXXX  on XX/XX/XXXX and XX/XX/XXXX for a total of {$140.00}, both times they denied to send me receipts and last time I called them in XXXX they wanted to charge me an extra {$10.00} so they can email me my receipts, they say they dont have records of my payments but I showed them my bank account withdrawal of payment then they said oh yes we see that, they are reporting to on my credit I still owe them a full amount but I fact I paid it and they are failing to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : XXXX XXXX  XXXX : XXXXXXXX XXXX Date : XXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-09-17 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$230.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
My XXXX XXXX  balance keeps increasing along with my monthly payment. Please see below. I want them to cancel their fees because they keep changing my contract. 

Minimum Payment Estimator XXXX. Due Date XXXX. XXXX XXXX XXXX XXXX. Portion of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Minimum Payment XXXX XXXX, 2025 XXXX {$1900.00} XXXX {$99.00} XXXX {$180.00} XXXX {$280.00} XXXX XXXX, 2025 XXXX {$1300.00} XXXX {$69.00} XXXX {$120.00} XXXX {$190.00} XXXX XXXX, 2025 XXXX {$2000.00} XXXX {$94.00} XXXX {$170.00} XXXX {$260.00} XXXX XXXX, 2025 XXXX {$1300.00} XXXX {$65.00} XXXX {$120.00} XXXX {$190.00} XXXX XXXX, 2025 XXXX {$1800.00} XXXX {$89.00} XXXX {$160.00} XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: WV

Complaint narrative:
Follow-up to CFPB Complaint XXXX XXXXXXXX ( Closed Without Resolution ) XXXX XXXX XXXX XXXX XXXX admitted in writing that they disbursed my XXXX  property tax payment XXXX, creating an artificial escrow shortage and raising my mortgage payment by over {$300.00}. They confirmed the XXXX  tax payment, blamed their system, and claimed they would advance funds to fix it. They have not done so. 

My mortgage payment remains elevated ( {$3300.00} instead of {$3000.00} ), and my escrow account still shows a shortage. 

CFPB closed my complaint without giving me the opportunity to respond or confirm resolution, even though harm is ongoing. I am now filing this new complaint to force correction and request the XXXX review this more thoroughly. XXXX being financially harmed every month due to their mistake.

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 2025-09-17 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: MD

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00} Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}

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 2025-09-17 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: TX

Complaint narrative:
I am disputing the accuracy and legality of the LVNV Funding LLC collection account currently reporting on my credit report with an open balance of {$520.00}. 

This account is being reported without proper validation and is causing ongoing harm to my credit profile. Despite disputing this account previously with the credit bureaus, LVNV Funding has failed to provide legally sufficient validation under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ). 

LVNV Funding has not provided : Proof of ownership of the debt or chain of title from the original creditor A copy of the original signed agreement showing I am legally obligated to this debt A full accounting of how the alleged balance was calculated Continuing to report this account without proper validation violates the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ) ( furnishing inaccurate information ) and FDCPA requirements. 

I am filing this complaint to have this account fully investigated, as it is being reported in error and without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$20000.00} XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$4300.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Dear XXXX, Complaint Regarding Improper Payment Application and Lack of Resolution I closed on a mortgage loan through XXXX XXXX XXXX on XX/XX/year>. The first payment was due on XX/XX/year>. I submitted my first monthly payment, along with an additional principal payment, to XXXX XXXX XXXX  XXXX on XX/XX/year>. 

Shortly after, the servicing of my loan was transferred to XXXX XXXX. I was told that the transferred balance was adjusted for the initial monthly payment, however, they did not apply the additional principal payment. I contacted XXXX XXXX, who confirmed the additional funds and sent a check to Shellpoint. Shellpoint applied the check on XX/XX/year>, but not effective as of the original XX/XX/year> payment date. 

On XX/XX/year>, I submitted a Notice of XXXX to Shellpoint, requesting that the payment be applied effective XX/XX/year>, as this affects interest calculations. Earlier application of principal should reduce interest charges, and I am concerned that interest has been overcharged due to this delay. 

Shellpoint acknowledged my Notice of XXXX and requested proof of the original payment. I provided documentation, but no correction was made to the loan account. I followed up by phone on XX/XX/year> and was told the matter was considered resolved, without any explanation or supporting documentation. 

I also requested a breakdown of how interest was calculated, but have not received a response. 

I am requesting the CFPBs assistance in reviewing this issue. I believe Shellpoint 's handling of the payment application and their lack of transparency XXXX be unfair or in violation of applicable mortgage servicing regulations. 

Thank you for your help in escalating this matter

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX XXXX. XXXX ( a ). 

Instead, they rely on the deeply flawed and automated XXXX system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : XXXXXXXX XXXX XXXXXXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and XXXX  Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of XXXX has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and XXXX users of the updated information

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 2025-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/year>, during the XXXX XXXX XXXX, my husband ( a XXXX plan member, XXXX XXXX XXXX, and XXXX ) was taken to urgent care after being denied XXXX. I am also a XXXX, and within weeks both of us ran out of XXXX. On XX/XX/year>, I was placed on investigative leave and on XX/XX/year>, terminated from XXXX, leaving us with no income, denied XXXX  benefits, and a pending XXXX XXXX claim. Despite these overlapping crises, LoanCare has only offered a trial payment plan instead of providing disaster or hardship forbearance, leaving us housing unstable. I request CFPB investigate LoanCareXXXX  practices and require proper review of my eligibility for federally available relief.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was closed by my bank and the funds that was in my account {$36000.00} was not sent to me and its been XXXX  months.

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 2025-09-17 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: IL

Complaint narrative:
please see attached my consumer rights has been completed violated and i am seeking legal actions for reporting inaccurate infroamtion on my credit report, i am requesting a block of information and removal within 4 days as this has been on going for over 30 days and nothing has been removed. by federal law the information was not XXXX percent accurate and has to be deleted. the XXXX accounts, XXXX  account, XXXX XXXX, XXXX  XXXX accounts needs to 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