vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant count how many times I have submitted a complaint with the CFPB about the inaccuracy of an account on my report and it has not been removed. So many errors with the account of global lending services. First they are reporting an inaccurate amount total, the total does not reflect the sale of the car or anything they received after the repossession of the car. Second, the the car was taken back in XXXX of XXXX but they are reporting XXXX of XXXX as the repossession date which is not correct. Third, according to the FCRA, 15 usc1681 ( I ) states that it is against federal law to report and to leave inaccurate information on consumer reports and these issues fall in line with that violation of the FCRA. Finally according to this law, the original creditor has 120 days to close the account and global lending failed to do this. There are derogatory marks that extend past the 120 dqys that t the law allows. These are very clear and present things with this account that are the fact that this account is still being used to effectnmy credit is against federal law. There account of global lending services need to be immediately removed due to these inaccuracies. My next complaint will be with the attorney general of the state of Florida .as I have continued to fight this account the CFPB has failed to hold these credit agencies responsible for there improper investigations and has allowed these agencies to continue to violate federal law. As a consumer that has been fighting theses inaccuracies,, I will full suggest that theses companys be held responsible for this terrible reporting and that this account be removed immediately in an expedited process.

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 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Company : NewRez LLC ( d/b/a NewRez Mortgage ) Product : Mortgage ( Insurance / Loss Draft Funds ) Issue : Delays in disbursement of insurance proceeds/ failure to respond to borrower inquiries Date of Problem : XX/XX/XXXXXXXX  Present Complaint Summary On XX/XX/XXXX, NewRez received insurance loss draft funds related to a property damage claim on my mortgage. On XX/XX/XXXX, I submitted all required receipts and supporting documentation pertaining to our loss draft claim as the result of XXXX XXXX damage. 

Since that time, despite numerous phone calls and follow-ups, NewRez has failed to release the remaining funds or provide any specific explanation as to why the funds are being withheld. I have repeatedly requested the name and contact information of the representative assigned to my claim, but no such means of direct contact with the claim processor have been provided. 

This delay is preventing me from completing critical repairs to my property. I believe NewRezs actions ( or inactions ) constitute a violation of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 and Regulation X ( 12 C.F.R. 1024.35 & 1024.36 ), which require timely responses to error notices and reasonable servicing practices. 

Resolution Requested I request that the CFPB require NewRez to : 1. Immediately release all remaining insurance loss draft funds being improperly withheld.
2. Provide a clear written explanation if any legal reason exists for the continued delay.

3. Identify the assigned claims representative by name, title, and direct contact information. 
4. Compensate me for any damages incurred as a result of their delay. 
Supporting Documents Available Proof of insurance funds received by NewRez ( XX/XX/XXXX ). 
Proof of receipts submitted ( XX/XX/XXXXXXXX  ). 
Copies of correspondence and call logs with NewRez. 
Copy of my RESPA Notice of Error letter sent via certified mail.

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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This debt is from a rental called XXXX XXXX XXXX XXXX XXXX XXXX. 
I do not owe anything to this company because I move out and did not renew my lease. 
They then sold the debt to : National Credit Systems Inc. located at XXXX XXXX  XXXX XXXX. XXXX, GA XXXX. Their phone number is XXXX I have submitted a report that XXXX XXXX XXXX XXXX XXXX XXXX  reported false and inaccurate information again on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: CA

Complaint narrative:
I am disputing a medical debt collection account that National Recovery Agency is reporting to the credit bureaus. The company is furnishing this account under their name, yet in response to my prior CFPB complaint, they stated that they can not find an account for me. This contradiction shows that they are reporting information they can not validate, which is a direct violation of federal law. 

If the company can not validate the account, they must delete it. Continuing to report after denying ownership is both deceptive and unlawful. 



Violations of Federal Law 1. Failure to Provide Validation Information ( FDCPA 809 ( b ) ; 12 CFR 1006.34 ( b ) ( 5 ) ) A debt collector must stop collection ( including credit reporting ) until validation is provided. Reporting without validation is a violation.

2. Failure to Provide Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) I was not provided the required written notice or opportunity to dispute before the account was furnished to the credit bureaus.

3. Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( d ) ) The agency did not furnish all disclosures required under Regulation F.

4. Unlawful Furnishing of Information ( FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ) Furnishers may not report information they know is inaccurate. Admitting they can not find an account while reporting it is knowingly furnishing inaccurate information.

5. Use of False, Misleading, or Deceptive Means ( FDCPA 807, 15 U.S.C. 1692e ) Reporting an account without validation or proper disclosures is deceptive under the FDCPA.

6. Failure to Provide Itemization of Medical Charges No detailed accounting of medical services, insurance payments, or patient responsibility has been provided, which is required for validation of a medical debt.

7. Improper Disclosure of Protected Health Information ( HIPAA, 45 CFR 160164 ) Reporting a medical debt without proper safeguards may constitute a violation of HIPAA privacy rules.

1. Delete this collection account from all consumer credit reports due to failure to validate and furnishing inaccurate information, Immediate deletion of the collection account from all credit reporting agencies due to violations of FDCPA, FCRA, Regulation F, and HIPAA.

2. Provide copies of the following, if they intend to continue reporting : Assignment or purchase agreement showing their authority to collect this debt.

Complete, itemized accounting of all medical charges and insurance adjustments. 
Proof of state license and bonding authorizing them to collect in my jurisdiction. 

Additionally, I revoke consent for all communication by phone, text, or email. All communication must be in writing and sent to my mailing address.

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

Complaint narrative:
I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). 
Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/year> I sold merchandise ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$3400.00} through PayPal. I shipped the item to the buyers confirmed address on XX/XX/year> using [ United States Postal Service ], tracking number [ XXXX ] at XXXX XXXX. The carrier showed Delivered on XX/XX/XXXX, XXXX to XXXX XXXX XXXX  XXXX This was after multiples days of being in contact with buyer, messaging and FaceTiming multiple times showing them the item and them confirming they ( Women and her Son ) definitely wanted it. FaceTimed the whole time while the buyer sent her money so she felt secure. Im very well aware of scams and made sure to go through PayPal because I thought they had seller protection in cases like this. Ive tried resolving it with her but she refuses to send the item back after getting her money back and PayPal cant explain why they sided with her when I gave all the evidence the transaction was done with good faith on my side and she received my item! 

The buyer later filed a claim saying they did not receive the item. I provided PayPal with all proof of shipment and delivery. Despite this evidence, PayPal decided the case in the buyers favor. The buyer kept both the merchandise and the refund. 

PayPal then debited my account, leaving me with a negative balance of {$3400.00} and has threatened to send this to collections. I dispute this debt as invalid because the item was delivered and the buyer was unjustly enriched. 

May I also add I was continually transferred over and over again with PayPal like no one could help me and hung up on. 

Its like she new PayPal would do this because the whole time she would tell me to contact PayPal and PayPal would not help me AT ALL! 
She could not explain herself. 
I requested that PayPal explain why Seller Protection was not applied, but I was not given a clear answer. I am asking the CFPB to require PayPal to : 1. Reverse the negative balance, 2. Confirm that this alleged debt will not be sent to collections or reported to credit bureaus, and 3. Apply Seller Protection appropriately when sellers provide proof of delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
I got an email with an offer for a credit card but I'm pretty sure it was a scam and I put my social security number In there and wanted tot ale steps to prevent any accounts being opened https : //www.indigocard.comXXXXXXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX

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

Complaint narrative:
Accounts are being reported under my name without my knowledge or consent. I have never opened or managed these accounts. This is inaccurate, misleading, and unacceptable, as it misrepresents my financial history.

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

Complaint narrative:
Bank errors in billing and reporting are damaging my credit in direct violation of TILA ( 15 U.S.C. 1666 ( b ) ). Specifically : Payments I made were not properly credited. 

Reported amounts contain clear calculation errors. 

I did not receive the required 21-day notice before payments were due, invalidating any late payment marks. 

These inaccuracies are unlawful and unfairly harm my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a request to my mortgage company for a written waiver regarding the 12-month occupancy requirement. I provided a letter of explanation and supporting documentation showing that I meet the extenuating circumstances clause due to being pregnant with twins, outgrowing my current home, and both my spouse and I working remotely from home. 
Since XX/XX/XXXX, I have contacted the mortgage company almost daily. Despite repeated follow-ups by phone and email, the company has failed to provide the required waiver letter or clear guidance on next steps. I have also been told conflicting information from different employeessome stating the letter must come from the lender, XXXX XXXX, some saying from Service Mac ( XXXX  servicing vendor ), and others saying it must come from XXXX XXXX no progress has been made in over 10 days. 
My closing date for the new property is scheduled for XX/XX/year>. If the waiver letter is not provided, I will be unable to close and will lose my {$20000.00} earnest money deposit. The companys lack of responsiveness and failure to act in a timely manner has placed my family at significant financial risk, despite my clear eligibility for the waiver. 

Requested Resolution : I am requesting that the lender be compelled to issue the occupancy waiver immediately so that I can close on my new home as scheduled. If they fail to do so and I lose my {$20000.00} deposit, I request that the lender be held financially responsible for that loss.

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 2025-09-09 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: FL

Complaint narrative:
i have 2 account reporting on the same name same amount diferent date and both are not mine account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AMOUNT BALANCE $ USD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors in billing and reporting are damaging my credit in direct violation of TILA ( 15 U.S.C. 1666 ( b ) ). Specifically : Payments I made were not properly credited.

Reported amounts contain clear calculation errors.

I did not receive the required 21-day notice before payments were due, invalidating any late payment marks. 

These inaccuracies are unlawful and unfairly harm my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-09 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDespite having received all required documents, TransUnion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). 
Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-09 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the account being reported by XXXX XXXX XXXX XXXX XXXX on my credit report. This account is not verified, and I am requesting a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681g.

I request that you immediately : Conduct a full reinvestigation of the disputed account.

Provide me with the method of verification used to confirm the accuracy of this account. 

Furnish all documents used in the verification process, including but not limited to : The original signed contract or credit agreement bearing my signature. 

The original application used to open the account. 

Full account-level documentation, including statements, itemized charges, interest calculations, and any payment history. 

The complete chain of title showing assignment from the original creditor to XXXX XXXX XXXX, including all Bills of Sale or Contracts of Assignment. 

Any Forward Flow Agreement or similar documentation evidencing legal ownership of the account by XXXX XXXX XXXX. 

If the furnisher of this account ( XXXX XXXX Associates ) can not provide these documents or fails to validate the debt in full compliance with the FCRA, you are required to remove the account from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

A simple electronic data response ( e-OSCAR ) or generic confirmation from the furnisher is not sufficient for verification under the law. 

I also request a complete and detailed explanation of your procedures used to verify this account, as well as the name and contact information of the individual or entity who verified it. 

If you fail to provide proper verification and documentation, or continue reporting unverifiable information, it will constitute a willful violation of the FCRA, and I will consider legal action under 15 U.S.C. 1681n and 1681o.

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

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the account being reported by XXXX XXXX XXXX XXXX XXXX on my credit report. This account is not verified, and I am requesting a full investigation in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681g.

I request that you immediately : Conduct a full reinvestigation of the disputed account.

Provide me with the method of verification used to confirm the accuracy of this account. 

Furnish all documents used in the verification process, including but not limited to : The original signed contract or credit agreement bearing my signature. 

The original application used to open the account. 

Full account-level documentation, including statements, itemized charges, interest calculations, and any payment history. 

The complete chain of title showing assignment from the original creditor to XXXX XXXX XXXX, including all Bills of Sale or Contracts of Assignment. 

Any Forward Flow Agreement or similar documentation evidencing legal ownership of the account by XXXX XXXX XXXX. 

If the furnisher of this account ( XXXX XXXX Associates ) can not provide these documents or fails to validate the debt in full compliance with the FCRA, you are required to remove the account from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

A simple electronic data response ( e-OSCAR ) or generic confirmation from the furnisher is not sufficient for verification under the law. 

I also request a complete and detailed explanation of your procedures used to verify this account, as well as the name and contact information of the individual or entity who verified it. 

If you fail to provide proper verification and documentation, or continue reporting unverifiable information, it will constitute a willful violation of the FCRA, and I will consider legal action under 15 U.S.C. 1681n and 1681o.

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 2025-09-09 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: CA

Complaint narrative:
Accounts are being reported under my name without my knowledge or consent. I have never opened or managed these accounts. This is inaccurate, misleading, and unacceptable, as it misrepresents my financial history.

Company response to consumer: Closed with non-monetary relief