vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Delinquent county taxes for XXXX XXXX XXXX XXXX, XXXX NY XXXX & XXXX XXXX XXXX XXXX, XXXX NY XXXX were unpaid for 2+ years. Both properties were about to be foreclosed on. I had reached out to SPS multiple times for them to pay the delinquent taxes + fees. SPS never ended up paying the taxes so I paid them. The following is the breakdown of what I had paid that SPS was suppose to pay. 

XXXX XXXX XXXX XXXX : {$51.00} ( XXXX  school tax relevy + XXXX  county tax ) + {$2.00} ( interest ) + {$0.00} ( penalty ) + {$1.00} ( convenience fee ) = {$55.00} XXXX XXXX XXXX XXXX : {$2300.00} ( XXXX school tax relevy + XXXX county tax ) + {$360.00} ( interest ) + {$120.00} ( penalty ) + {$0.00} ( convenience fee ) = {$2800.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: MO

Complaint narrative:
My husband received a letter from Propery Receivables in XXXX stating there was an outstanding debt to our old apartment that we left in XX/XX/year>. He emailed to dispute the full amount and we heard nothing back. 

XX/XX/XXXX I received a phone call to a number that our old apartment complex never had access to and this company were never given this number. The woman refused to give me her name and company name until I verified who I was and then tried to pressure me to make payment over the phone instantly. She said that my husband and I had dodged all their communication but this was the first since the email we sent. I requested that all the information be sent as a reply back to my husband 's email and that I woukd not be making any payments iver the phone. She told me that if I didnt they would take action on my credit which has subsequently happened. She said she would only put in writing a receipt once I make payment overwise they will keep calling me and we will end up in court. 

My husband emailed again that same day to request all information via email. That email was again given no response. 

I received a call this evening from the company again and I instantly said all communication must go to my husband via email or letter. The gentleman said they do not have to contact us that way past the first letter. They denied receiving our email and he said it is hard to spell so we must hsve spelt it wrong. I have confirmed it matches the email listed on their letter and also on their website. 

I will not be pressured to make payment over the phone with nothing in writing. We have disputed the full amount as it relates to an apartment fire that the fire report said we are not to blame for. XXXX XXXX  about rental insurance and why we dont just behave then pay the debt but rental insurance does not cover the goods that the landlord provides. That's why they have their own insurance plus we are not liable for the debt. I asked how they got access to my phone number and he would not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i, you must complete a reasonable reinvestigation within 30 days and provide written results. Under 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy. If you can not fully verify and validate these closed accounts with original signed contracts and full XXXX XXXX data, you must remove or update them accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Hatfield, Inc.
State: PA

Complaint narrative:
I signed up for a $ XXXX subscription with Grid in late XXXX, which claims to offer cash advances if eligibility criteria are met. However, since XX/XX/XXXX, I have received zero service no offers, no advances only a recurring {$10.00} charge each month.

In their app, I am shown a message saying my debit card is in bad standing, so I am not eligible for an advance. Despite this, they continue to charge that same card monthly, proving the card works they just use the bad standing claim to avoid offering service while still taking money. This logic is inconsistent in that they are claiming it is in bad standing to avoid providing a service yet bill the card showing it is good standing and additionally they state they will not provide service due to the card being in bad standing ( which they've shown is in good standing by billing it ) yet they will bill for that service they are not providing anyway.

I tried to cancel the subscription through their app and support multiple times, but they continue charging me every month. I reported the issue to my bank and only received a single refund, despite requesting a full reversal of all charges since XXXX. The most recent charge was on XX/XX/XXXX, even though I have received absolutely nothing in return. They company wants to refuse to provide a service which is okay if you aren't going to bill for the service anyway. They use the fact that the card is in bad standing to justify refusing service yet bill the card that they claim is in bad standing. There is not even an attempt to hide the inconsistencies. 

Grid is taking money under false pretenses and refusing to allow users to cancel. This is a clear violation of consumer protection laws, including the Electronic Fund Transfer Act ( unauthorized recurring charges ), ROSCA ( difficulty canceling ), and general deceptive billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
RE : Debt Validation Demand Account # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : This letter is a formal dispute and demand for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You are currently furnishing and attempting to collect a debt that is inaccurate, unverified, and harmful to my consumer file and personal reputation.

LEGAL DEMANDS You are hereby required to provide : A complete debt validation package, including : The original contract or application bearing my wet ink signature Chain of custody of the debt from original creditor to Spring Oaks Capital Proof of licensure to collect debts in the State of Georgia Itemized breakdown of how the alleged {$480.00} balance was derived Your FCRA-permissible purpose for furnishing data to any consumer reporting agency. 

Until this debt is properly validated, you are to CEASE ALL COLLECTION and REPORTING ACTIVITY immediately. 

REPORTING VIOLATIONS IDENTIFIED Your tradeline contains the following : Status : Collection Account Balance : {$480.00} Past Due : {$480.00} Status Updated : XX/XX/year> On Record Until : XX/XX/year> These entries are false and violate several federal guidelines : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FDCPA 807 ( 2 ) ( A ) : False representation of amount and legal status of the debt XXXX XXXX Guidelines Violation : A collection account can not lawfully reflect a " past due '' amount ; only total balance should be reported FCRA 1681s-2 ( a ) : Furnishing information known to be inaccurate or unverifiable FCRA 611 ( a ) : Continued reporting without proper investigation is unlawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate and unauthorized information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous efforts to address this directly with Equifax, the following issues remain unresolved : XXXX. Incorrect Address Reporting XXXX XXXX XXXX XXXX, XXXX, MD XXXX This address is not mine and has never been associated with me. Reporting such false personal information is a direct violation of FCRA Section 607 ( b ), which mandates that credit bureaus follow reasonable procedures to ensure the maximum possible accuracy of information they report. This misinformation may lead to credit file misassociation or fraud risk and must be removed. 

XXXX. Unauthorized Credit Inquiry XXXX XX/XX/year> This inquiry was conducted without my knowledge or permission. I never submitted any credit application or authorized this entity to access my report. Under FCRA Section 604 ( a ), credit bureaus may only issue a report when there is a permissible purpose with consumer consent. This inquiry is therefore unlawful and must be permanently deleted. 

Resolution Requested : I request the CFPB to investigate this matter and ensure that Equifax : Deletes the inaccurate address from my credit report Permanently removes the unauthorized XXXX  inquiry Provides written confirmation and an updated credit report reflecting these corrections Implements safeguards to prevent similar reporting errors in the future Equifaxs failure to maintain accurate and authorized data violates federal law and is causing ongoing harm to my credit profile. I urge the CFPB to take appropriate regulatory action to enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX XXXX XXXX {$18.00} million ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintainXXXX XXXX XXXX XXXXXXXX * * * *

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 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Business Corporation
State: TN

Complaint narrative:
I was approved for a loan modification with SWBC Mortgage in late XXXX after experiencing a job loss. We made three trial payments of {$2200.00} as agreed. When the final modification documents were sent to us, they included my maiden last name, which made them invalid for notarization. I immediately notified SWBC and was instructed to send my marriage certificate, which I did on via Fax on XXXX XXXX and via email XX/XX/XXXX and again on XX/XX/XXXX along with my drivers license. 
Since then, I have made over 20 calls ( all documented ) and have spoken with various representatives, including members of the Loss Mitigation Escalation Team ( XXXX XXXX and XXXX XXXX ). I was repeatedly assured the documents would be corrected, but they continued to send them with the incorrect name. 
Despite doing everything asked of me, SWBC has been reporting our account as delinquent to credit bureaus throughout this process. This is not due to missed payments or failure to cooperate, but due to their ongoing internal documentation error. 

This has caused significant stress to my family especially as Im XXXXXXXX XXXX XXXX XXXX XXXX and has damaged our credit through no fault of our own. I have lost hours of time on over 20 phone calls, resubmitting documentation, and repeatedly explaining the situation, including on birthdays, holidays, and while grieving the loss of a family member.

Given the repeated negligence, false credit reporting, and emotional distress caused over nearly 9 months, I am requesting the following : Immediate correction of the documentation Removal of all inaccurate credit reporting A formal written apology Consideration of financial compensation for the undue stress, time lost, and harm caused by SWBCs mishandling of our loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I have disputed all student loans with all three credit bureaus. I have also, reached out to the department of education to provide me documentation and signatures regarding loans due to me feeling that loan information is inaccurate. They never provided me documentation. Between XX/XX/XXXX - XXXX 2025 I was notified by XXXX, Trans Union and XXXX  that the student loans had been removed. I also reviewed XXXX XXXX and saw that my loans were removed. XX/XX/year> I saw that the loans were placed back on credit report. I reached out to the credit and they could not provide me any information or documentation and placed all accounts back into investigation.

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 2025-07-08 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and privacy laws. 

Violations Summary : 1. Continued Harassment After CeaseCommunication Request - Despite my written demand to cease contact ( sent on XXXX XX/XX/year>, they persisted in texting me again on XXXX XX/XX/year>, violating FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ).

2. Failure to Validate Debt - Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of the debt, including : * Proof of the amount owed, * The name of the original creditor, * Documentation proving they own or were assigned the debt.To date, the have failed to provide sufficient validation.

1. Unlawful Credit Reporting- If this unverified debt was reported to credit bureaus, it violates FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires accurate reporting.

2. Privacy Violations- By texting me without proper identity verification or mailing a written notice, they potentially exposed my private information to third parties, violating FDCPA 806 ( harassment ) and privacy laws.

Demands : 1. Immediate Cease & Desist - Halt all collection efforts, including calls, texts, and letters.

2. Debt Cancellation - Cancel the debt entirely for failure to provide debt validation and for continuous harassment.

3. Credit Report Correction - Remove all entries related to this debt from my credit reports.

4. No Resale of Debt - Confirm in writing that they will not sell, transfer, or assign this debt to another party.

5. Confirmation of Compliance - Provide written confirmation that all unlawful collection activities have stopped.

Evidence Attached : * Screenshot of unauthorized text messages and my request to stop communication. ( Exhibit A ) This debt collector 's actions constitute harassment, deceptive practices, and a breach of privacy. I request that the CFPB investigate and take appropriate enforcement action. I also reserve the right to pursue legal remedies under the FDCPA and 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and privacy laws. 

Violations Summary : 1. Continued Harassment After CeaseCommunication Request - Despite my written demand to cease contact ( sent on XXXX XX/XX/year>, they persisted in texting me again on XXXX XX/XX/year>, violating FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ).

2. Failure to Validate Debt - Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of the debt, including : * Proof of the amount owed, * The name of the original creditor, * Documentation proving they own or were assigned the debt.To date, the have failed to provide sufficient validation.

1. Unlawful Credit Reporting- If this unverified debt was reported to credit bureaus, it violates FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires accurate reporting.

2. Privacy Violations- By texting me without proper identity verification or mailing a written notice, they potentially exposed my private information to third parties, violating FDCPA 806 ( harassment ) and privacy laws.

Demands : 1. Immediate Cease & Desist - Halt all collection efforts, including calls, texts, and letters.

2. Debt Cancellation - Cancel the debt entirely for failure to provide debt validation and for continuous harassment.

3. Credit Report Correction - Remove all entries related to this debt from my credit reports.

4. No Resale of Debt - Confirm in writing that they will not sell, transfer, or assign this debt to another party.

5. Confirmation of Compliance - Provide written confirmation that all unlawful collection activities have stopped.

Evidence Attached : * Screenshot of unauthorized text messages and my request to stop communication. ( Exhibit A ) This debt collector 's actions constitute harassment, deceptive practices, and a breach of privacy. I request that the CFPB investigate and take appropriate enforcement action. I also reserve the right to pursue legal remedies under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX I sent a certified letter asking this company to remove fraudulent inaccurate information and charges from my credit report. 3 different accounts through their company partial account numbers # XXXX, # XXXX, # XXXX They in return add them as recent charges when they already was appearing as closed accounts. I want to make this absolutely clear I have never entered into any agreement to pay this company anything They have nothing with my signature stating that I would pay them anything Im asking once again for this company to remove these fraudulently inaccurate charges from my credit report.This false reporting is a violation of the fair credit reporting act which mandates that only accurate and verifiable information may be reported to credit bureaus this is not only deceptive. It is unlawful. Im requesting that immediately removal of this inaccurate data associated with these accounts from all consumer credit reporting agency with a full investigation into how and why your company begin reporting this false information written confirmation within 30 days of this erroneous information has been permanently removed from my credit file. I will also like you to cease and desist all further reporting of this inaccurate information continue documentation of this reporting may be considered willful noncompliance. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation