vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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: NV

Complaint narrative:
In XX/XX/year>, I submitted an identity theft block request to the credit reporting company through their online dispute system. I provided a police report, an FTC Identity Theft Report, proof of identity, proof of address, and a written list of fraudulent accounts, collections, and hard inquiries.

Despite receiving all required documents, the company failed to block any of the fraudulent information within four business days as required under FCRA Section 605B. The following accounts and collections were not opened or authorized by me and remain on my credit file : Fraudulent credit 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 I followed all legal requirements for an identity theft block, but the credit reporting company did not remove or block any of the fraudulent items. This has caused inaccurate negative reporting and significant credit harm. I am requesting CFPB assistance to require full blocking and removal of the fraudulent information in accordance with federal law.

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 — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
am disputing the accuracy of my XXXX XXXX account XXXX XXXXXXXX. The vehicle was voluntarily surrendered and settled, but the company is still reporting an inflated balance and incorrect charge-off status. 

XXXX XXXX has not provided any documentation showing how the remaining balance was calculated after the sale of the surrendered vehicle. This makes the reporting unverifiable and inaccurate under the Fair Credit Reporting Act. 

I request a full accounting or deletion of the tradeline.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NY

Complaint narrative:
I have been a long time victim of identity theft related to claims made for leases and rent applications. XXXX XXXX XXXX is a collection agency that was representing XXXX of the creditors pursuing me. After receiving a packet of papers including my drivers license, police report, FTC report, proof of residence and letter disputing the claim, they marked the claim fraudulent and closed it. 

They have another claim now against me. Even though they are fully aware of my problems with identity theft, they put their claim on my credit report seeking {$10000.00} dollars. I dont know what this debt is, but it is definitely not mine. 

XXXX XXXX XXXX is a service that is helping me with these claims. When they called XXXX about this claim, the representative XXXX asked for my name, address and last XXXX digits of my social security number and then asked for a credit card to charge a dollar to prove whether or not I was the debtor. Upon information and belief, this is unethical and maybe illegal to do when I am challenging the debt. Upon further information and belief, XXXX XXXX was looking to just charge the full {$10000.00} onto my card.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are reporting accounts I did not authorize, apply for, or open. These accounts were added without my knowledge or permission and are negatively affecting my credit profile. I filed an identity theft report with the FTC ( attached ) and I am requesting immediate deletion under FCRA 605B and 623 ( a ) ( 6 ). I never received validation from the companies. These accounts are fraudulent and must be removed from Experian, XXXX XXXX XXXX as required by 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 2025-12-09 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: OneMain Finance Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I recently filed a dispute with MIDLAND CREDIT MANAGEMENT, the are reporting negative accounts on my credit report.i have no knowledge of these accounts. I have never opened any accounts with MCM, nor have I had any business relationships with them.I formally requested, pursuant of FDCP1693g, Verification of ownership the complete chain of title, a detailed itemization of each alleged debt, proper debt validation, the original contract from the original creditor, but MCM failed to provide any of the required documentations, Reporting these unverified accounts to credit bureaus constitutes a violation of FCRA 168Ii and represents unfair, deceptive and abusive practices under UDAAP. These actions are causing unjust harm to my credit profile. I demand the immediate deletion of the accounts from all credit reporting agencies and seek confirmation that no further reporting will occur until proper reinvestigation and verification is provided.continued reporting without validation with be treated as a willful violation of the XXXX consumer protection law. Please help me with these accounts. I'm XXXX and this has caused all of stress and frustration.thank you.

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 — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
I am filing this complaint regarding Shellpoint Mortgage Servicing and their repeated mishandling of a short-sale file for the above-referenced property. This file has been actively worked on since XX/XX/year> and has been plagued by unreasonable counteroffers, inconsistent valuations, and delays that have prevented this estate from completing a legitimate sale. 

The property was originally listed at a price that reflected its true market condition. This home has severe issues, including extensive XXXX mold and major structural concerns, which make it uninhabitable in its current state. Despite the accurate pricing, Shellpoint responded to the first offer with an extremely high counteroffer that made no market sense given the property condition. At Shellpoints direction, the property was relisted at their inflated counteroffer price. 

As expected, the property did not sell at that price and sat stagnant on the market for months. Eventually, a second offer was received at approximately the same price point as the original listingagain accurately reflecting the true value. Shellpoint came back with a small counteroffer slightly above the buyers offer, which the buyer accepted. 

Shortly thereafter, Shellpoint reversed course and issued the same inflated counteroffer from the previous year, which was completely disconnected from the approved negotiation and the propertys condition. It appears Shellpoint simply looked up the outdated listing ( which still showed their prior counteroffer price ) and reused that number instead of reviewing the current valuation or the accepted offer. 

This arbitrary and inconsistent behavior has now jeopardized the sale again. Shellpoints repeated reliance on unrealistic pricingdespite full knowledge of the severe mold and unsafe conditiondemonstrates a failure to review the file in good faith and in compliance with basic servicing standards. 

These actions violate the servicers obligations under RESPA 1024.41, including the duty to : Conduct a reasonable loss-mitigation evaluation Provide consistent and timely review Avoid unnecessary delays and repetitive requests Communicate accurately and in good faith with authorized representatives The estate has complied with every request. The property condition has been fully disclosed. Multiple offers have been submitted. The only barrier to completion is Shellpoints inconsistent and unjustified counteroffers.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late payment on my XXXX XXXX credit card account XXXX ( XXXX ) XXXX A late payment for [ Month/Year ] is appearing on my credit reports, and XXXX has not provided proper verification or documentation to substantiate this delinquency. 

This information is harming my credit score and does not meet the accuracy requirements of the Fair Credit Reporting Act ( FCRA ). Under FCRA 1681s-2 ( b ), XXXX is required to conduct a reasonable investigation when a dispute is submitted through the credit bureaus. They must also ensure the information they furnish is accurate and complete. 

Additionally, under FCRA 1681e ( b ), the credit bureaus are required to report information with the maximum possible accuracy. At this time, XXXX has not provided any proof of the alleged late payment or responded with proper verification, making the reporting incomplete and potentially inaccurate. 

I am requesting that XXXX : Provide documentation supporting the alleged late payment, Correct any inaccuracies found during their investigation, or Delete the delinquency from all credit bureaus if they can not verify it with proper records. 

This is the only negative item on an otherwise excellent seven-year payment history, and the reporting appears to have been handled improperly. I am seeking assistance from the CFPB to ensure XXXX complies with its investigation and reporting responsibilities under the FCRA.

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: 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 2025-12-09 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: 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LoanCare, LLC
State: TX

Complaint narrative:
I was accepted into the XXXX XXXXXXXX XXXX ( XXXX ) program in XX/XX/year>, which I applied for through LoanCare Mortgage XXXX. I agreed to the new mortgage terms, and no payments were required until XXXX. Since XXXX, I called LoanCare every month to inquire about the status of my XXXX paperwork, and each time they informed me it was still in processing with the XXXX. I also contacted the XXXX, which confirmed my acceptance into the XXXX program before the cutoff date when the program closed permanently, noting that it would take time for underwriters to complete the paperwork. 
LoanCare accepted my XXXX and XXXX mortgage payments and assured me they would forward them to the new lender once the XXXX finalized the paperwork. Throughout this period, I repeatedly asked LoanCare if there was any documentation I needed to sign, and they consistently told me no, as the XXXX  had to draft the paperwork XXXX. 
In XX/XX/year>, LoanCare informed me that the XXXX program was now handled by XXXXXXXX XXXX XXXXXXXX, and all future payments would be managed by them. When I contacted XXXX in XXXX, they stated that I owed a lump sum of {$20000.00} or they would foreclose on my house. They claimed no knowledge of any XXXX agreement through the XXXX, and LoanCare had not provided any information about the offer I accepted, which was supposedly being drafted and processed over several months. XXXX refuses to accept anything other than the full lump sum. I have saved mortgage payments for XXXX, XXXX, and XXXX with no way to apply them. 
I contacted the XXXX  again to explain the situation. They informed me that LoanCare was supposed to send me a packet with the offer for me to sign and notarize. However, I never received any such paperwork, despite my numerous inquiries to LoanCare, where they instructed me to wait as things were in processing. It is now XX/XX/year>, and XXXX has stated they are preparing foreclosure documents within the next XXXX weeks. 
The XXXX  is not resolving the issue, as both the XXXX  and LoanCare are blaming each other for improper paperwork handling. The XXXX  also refuses to coordinate with XXXX to at least halt the foreclosure process from starting. This ordeal has caused me significant stress throughout the year, with constant fear of losing my home. 
I have supporting documentation, including copies of my original XXXX offer, all communications with LoanCare, receipts for the XXXX and XXXX payments ( intended as the start of the new terms ), proof of XXXX  acceptance into the program, and paperwork showing LoanCare transferred my loan to XXXX without a completed XXXX  approval for XXXX, which escalated this into an accelerated foreclosure threat.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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