vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc.
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Under 15 USC 1692g. Validation of debts. - Please delete immediately.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Under 15 USC 1692g. Validation of debts. - Please delete immediately.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT PREJUDICE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Neighborhood Capital Funding, Inc.
State: OH

Complaint narrative:
Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX D.CXXXX XXXX Subject : Formal Complaint Mortgage Overcharges and Falsified Documentation To Whom It May Concern, I am submitting this complaint regarding my mortgage account, which has been mishandled since I signed on XX/XX/XXXX. My mortgage company has overcharged me by nearly {$20000.00} and repeatedly reported false information, causing severe financial and personal harm. 

Specifically, I am disputing an overcharge of {>= $1,000,000} for insurance coverage that was never in place on my property and request a full refund of all overcharges. Additionally, the mortgage company has : * Charged property taxes before I moved in, creating the false impression that I was behind on escrow. 
* Applied improper charges and unexplained increases, including the {>= $1,000,000} discrepancy. 
* Harassed me with repeated foreclosure threats despite timely payments. 
* Falsely reported a mortgage modification, later admitted as their paperwork error. 
* Forced foreclosure in XXXX and bankruptcy in XXXX, which I paid in full in XXXX. 
* Mismanaged escrow and insurance, failing to provide proof of coverage or issue refunds from XXXX. 
* Reported false information to credit bureaus, severely damaging my credit. 

These practices have caused significant financial losses and personal hardship, including health issues and family strain. I have repeatedly requested documentation, account audits, and proof of insurance, but the mortgage company has failed to provide accurate records.

I respectfully request that the CFPB : 1. Conduct a full investigation into my mortgage companys practices.

2. Require them to provide a complete and accurate accounting of my loan, escrow, and insurance records.

3. Order reimbursement for overcharges and improperly applied funds.

4. Ensure corrections are made to my credit reports.

According to their records, the insurance policy did not start until XX/XX/XXXX. I request clarification and documentation for insurance payments between XX/XX/XXXX, and XX/XX/XXXX, when my previous policy with XXXX should have been active, as this XXXX remains unaccounted for. 

Thank you for your immediate attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable. Their continued presence strongly suggests potential identity theft and is causing me ongoing financial and emotional harm.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I am being improperly pursued by Johnson Mark LLC on behalf of XXXX XXXX XXXX. in case number XXXX, XXXX XXXX XXXX XXXX, Oregon. 

I am not the defendant named in the lawsuit ( XXXX XXXX XXXX ), yet XXXX XXXX process server repeatedly came to my home and involved neighbors, misidentifying me as the debtor. This resulted in harassment and disclosure of alleged debt to third parties. 

On XX/XX/year>, their process server approached my neighbors and explicitly stated he was serving legal papers for a debt collection matter involving me. I have photo, video, and witness evidence of this incident. 

This conduct violates the Fair Debt Collection Practices Act ( 15 USC 1692c ( b ) ) by communicating with third parties, and constitutes harassment under 1692d.

Despite my filings in court documenting this misconduct and a motion to dismiss for mistaken identity, Johnson Mark continued to pursue judgment through arbitration. In the arbitration award dated XX/XX/year>, my name and address were even listed as XXXX XXXX : XXXX, further compounding the misidentification. 

I request that CFPB investigate Johnson Mark LLC for improper and abusive debt collection practices, including misidentification, third-party disclosure, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by TransUnion. Several payments have been falsely reported as late, despite being made on time. These errors remain on my credit report and continue to unfairly harm my credit score.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Aidvantage incorrectly marked my student loan account as delinquent during a period when I was enrolled in an income-driven repayment plan. At that time, my required monthly payment was {$0.00}. However, Aidvantage applied an internal amount of {$270.00} per month on their end, which led to my account being reported as delinquent in error. 

After I contacted Aidvantage, they acknowledged the mistake, placed my account into forbearance, and updated my account status to current. Despite correcting my account internally, Aidvantage has stated that they will not amend or remove the inaccurate delinquency reports sent to the credit bureaus. 

This error has negatively affected my credit history, even though I was fully compliant with the terms of my repayment plan and owed {$0.00} per month at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Cease and Desist / Request for Deletion of Inaccurate and Unverifiable Information Report Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist and Dispute Notice regarding inaccurate, unverifiable, and derogatory information being reported in my Experian credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are legally required to maintain only accurate, complete, and verifiable information. 

I hereby dispute and demand the permanent deletion of the following categories of information : XXXX. Collections XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ( XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Derogatory / Charge-Off Accounts XXXX XXXX XXXX {$690.00}, charged off XXXX XXXX {$2000.00}, charged off XXXXXXXX XXXX XXXX {$980.00} XXXX XXXX off XXXX. Personal Information ( Addresses & Employers ) XXXX XXXX XXXX, XXXX, PA XXXX ( Outdated/Incorrect ) Employers : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Only my current address XXXX XXXX XXXX XXXX XXXX, PA XXXX should remain on file.

4. Inquiries I dispute the following hard inquiries as unauthorized and/or lacking permissible purpose under 15 U.S.C. 1681b : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX entries ) Consumer Portfolio Services ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Legal Basis for Deletion XXXX U.S.C. 1681i ( a ) ( 1 ) ( A ) : You must reinvestigate any disputed item within 30 days.

15 U.S.C. 1681e ( b ) : You must ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) : Furnishers can not report inaccurate information.

15 U.S.C. 1692c ( c ) ( FDCPA ) : This letter also serves as a Cease and Desist demand against any further collection communication. 



Demand : If these items can not be 100 % verified with documented proof, they must be deleted from my credit report permanently. Failure to comply will result in formal complaints to the CFPB, FTC, and Attorney Generals Office, and I will pursue legal remedies for willful noncompliance. 

I request written confirmation of deletion within 30 days. 

Sincerely, 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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding my auto loan with Westlake Financial Services, account XXXX. 

I purchased a XXXX XXXX XXXX XXXX ( XXXX miles currently ) through a XXXX XXXX XXXX dated XX/XX/XXXX. The contract amount financed was {$8000.00} at an APR of 27.39 %. After making XXXX consecutive on-time monthly payments of approximately {$410.00} each, I have already paid over {$15000.00}, in addition to my original down payment of {$3000.00}. In total, I have paid more than {$18000.00} for a car that now has a market value of about {$5000.00}.

Despite this, Westlake is still requiring a payoff of {$3600.00} for the remaining 11 months. I believe this payoff amount is disproportionate and unfair given the total I have already paid. 

Additionally, there has been serious confusion with the GAP coverage. My online Westlake account continued to display Westlake GAP XXXXXXXX XXXX XXXXXXXX even after I was told in writing that the GAP was cancelled on XX/XX/XXXX for non-payment. When I asked for clarification, I received conflicting answers from Westlake representatives. They later claimed the {$9.00} was a voluntary overpayment, but this contradicts what appears in their own system. This inconsistency is misleading and raises concerns about transparency. 

I have requested a settlement offer of {$2000.00} as a lump sum to close the account, which I believe is fair considering my payment history and the current value of the vehicle. Westlake has refused to negotiate or provide a clear explanation of why the payoff remains so high.

I am requesting that the CFPB review this matter, require Westlake to provide a transparent accounting of my loan balance and GAP charges, and facilitate a fair settlement or adjustment to my payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable. Their continued presence strongly suggests potential identity theft and is causing me ongoing financial and emotional harm.

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 2025-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am escalating a dispute regarding TransUnion 's failure to properly investigate multiple items on my credit report after their confirmed data breach on XX/XX/scrub> 2025. 

TransUnion has verified several accounts without providing documentary proof, including late payments, unverifiable collections, incorrect personal information, and unauthorized inquiries all potentially compromised due to the breach. 

Attached is my full escalation letter with itemized issues, breach context, and legal basis under FCRA 611. I am requesting deletion of all unverifiable data. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Asked company to transfer credit from one card to another or increase credit limit. Applied for a new card and received a small {$1000.00} credit limit. Card has a sign up bonus with spending {$1000.00} in a 3 month period. The {$1000.00} credit limit is insufficient to be able to spend {$1000.00} in 3 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 non-monetary relief
Consumer complaint received 2025-09-08 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: VA

Complaint narrative:
MY credit report has numerous of inaccurate accounts and collection

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
MY credit report has numerous of inaccurate accounts and collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Selene Holdings LLC
State: AZ

Complaint narrative:
I have dealt with Selene Finance for the last 22 months in attempts to modify and in attempts to correct the mortgage balance that they are reflecting, and that is incorrect, preventing me from being able to sell the house, where I would lose over {$60000.00} in profitability. They continue to ignore my requests. They do not give proper 90 day notice per Arizona law. They quietly try to foreclose without any notice to me

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: CA

Complaint narrative:
I monitor my credit information and noticed that even though I had no late payments, Equifax and XXXX was reporting I had XXXX late accounts in the summary of what is hurting my credit score. Since I went through each of my open revolving accounts without it showing late, I wasnt able to dispute them. 
So, I contacted Equifax and spoke to them. That person said let me dispute a couple and that should work. After that came up with no resolution, I reached out again. She verified that I didnt have any late payments. She said it must be an internal problem and created a claim and said it should be resolved. Well, that came up with no resolution either. I am angry and fed up because it is affecting my credit. I need to have this issue corrected and the credit companies are not trying to fix this issue. It is difficult for them understanding of what they are doing and not really trying to fix this issue.

Company response to consumer: Closed with explanation