vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Borenstein & Associates, LLC
State: CO

Complaint narrative:
I am a single parent currently making payments toward a debt handled by Borenstein & Associates , LLC. My wages were previously garnished, which reduced my balance significantly. After changing jobs earlier this year because my hours were cut, I entered into a voluntary payment plan in XX/XX/year> to pay {$100.00} biweekly through payroll deduction. 

An associate named XXXX confirmed that once I began these payments, the bank levy would be lifted. I have consistently made payments, and my remaining balance is approximately {$2000.00}. However, as of XX/XX/year>, the levy has not been lifted, leaving my account with a XXXX balance and causing severe hardship for me and my child, including inability to buy groceries or other necessities. 

On XX/XX/year>, I called the firm three times at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to discuss the issue. I spoke with a woman named XXXX XXXX, who identified herself as a manager. She was extremely rude, dismissive, and verbally unprofessional. She stated that she doesnt care, doesnt care to understand, and that she is tired of people like me who owe money. She refused to let me speak with XXXX or a supervisor, saying that people like me need to learn. She laughed, hung up on me multiple times, and ignored my subsequent calls.

This behavior is unprofessional, unethical, and demeaning, particularly toward someone making a sincere effort to resolve their debt. I believe this violates the Colorado Rules of Professional Conduct and possibly the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This complaint is regarding a duplicate collection account reported under NATCREADJ and NCA for the same alleged debt of {$490.00}. Both accounts share the same account number ( XXXX ) and report inconsistently across credit bureaus as separate collections, which is a violation of Metro 2 data integrity rules requiring that duplicate tradelines be suppressed. 
I have requested written validation and proof of ownership from both National Credit Systems and all credit bureaus. It has

been over 60 days, and I have not received a single piece of documentation verifying the debt, itemizing the balance, or showing a contractual obligation. Continuing to report duplicate, unvalidated accounts violates FCRA 607 ( b ), FCRA 611 ( a ), and FDCPA 809 ( b ). This has materially damaged my credit score by creating the false appearance of two separate delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
recently reviewed my credit report and found an account that I do not recognize. I believe this account XXXX have been reported in error or could be the result of identity theft. Please investigate this account and provide verification of ownership. If you can not verify that the account belongs to me, I request that it be removed from my credit file.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced my home mortgage loan with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX, owner trustee for XXXX XXXX XXXX XXXX. The date of transfer was XX/XX/year>. The new mortgage servicer is Shellpoint Mortgage. My homeowner 's insurance policy renewal was never paid and was not renewed by XXXX XXXX. XXXX refused to rewrite the policy after the 30 day grace period lapsed with no payment being submitted by either mortgage company. There has been no coverage on my home since XXXXXXXX XXXX XXXX  It is now XXXXXXXX XXXX and neither mortgage company has rectified the problem. I have been patient, yet they have not been providing quality customer servicer at all. No one will take accountability. I have been passed around, back and forth and nothing has been resolved. My family, our home and all our possessions are left quite vulnerable. It's dangerous. I am now having a hard time finding affordable coverage in California. Shellpoint has all the funds in my escrow as I have continued to make all my mortgage payments. They are not communicating properly, have not rectified the problem, and are now treatening a forced policy ( due to their own error ) which I have no information about and do not approve of. And I believe this type of coverage only cover the mortgage company 's interest. They need to find me a comparable policy to the one they failed to renew, and put it in place at once, and I want to be refunded if any money is deducted from my escrow account for any forced policy.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This filing pertains to disputed accounts across the three major credit bureaus : Experian. The purpose of this dispute is to address inaccuracies, inconsistencies, and incomplete reporting of charged-off accounts and late payments, which I believe are negatively affecting my credit score and credit history. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to request a formal investigation and correction of the following accounts and credit reporting errors. 

Charged Off 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 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

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 2025-11-11 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: MD

Complaint narrative:
I am submitting this complaint to dispute inaccuracies in my credit reports as provided by the credit bureaus. Below are the details of the accounts in dispute across the XXXX bureaus. I respectfully request that an investigation be initiated, and any inaccuracies be corrected. 
Charged-Off Accounts : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Account Date : XX/XX/XXXX Balance : {$2500.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$590.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$730.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2600.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$610.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am disputing the following items on my TransUnion credit report : 1. Charged-Off Account : XXXX XXXX XXXX XXXX Account No. XXXX, Date : XX/XX/year>, Balance : {$520.00} I do not believe this account is valid or accurately reported. Please verify with the original creditor and provide supporting documentation. If it can not be confirmed, please delete it from my report. 

XXXX. Inquiry : XXXX XXXX XXXX XX/XX/year> I do not recall authorizing this inquiry. Please verify that it was initiated by me. If not, please remove it. 

Thank you for verifying and ensuring that my TransUnion credit file is accurate and compliant with the Fair Credit Reporting Act.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request immediate assistance with unsuppressing my TransUnion credit file. This situation has caused significant delays and hardship as I am in the process of obtaining a mortgage and can not proceed until my TransUnion report is accessible. 

On XX/XX/year>, I contacted TransUnion to request that my credit file be unsuppressed. I completed multiple rounds of identity verification questions. I was informed that I needed to submit a copy of my drivers license along with a written request to unsuppress my file. TransUnion confirmed receipt of these documents on XX/XX/year>, and I was told on XX/XX/year>, that my file had been updated. 

However, when my mortgage lender attempted to pull my credit on XX/XX/XXXX, the file was still suppressed. I then spent approximately XXXX hours on the phone with TransUnion throughout the day seeking resolution. My lenders credit agency attempted a second pull, and again the file remained suppressed. 

On XX/XX/XXXX, I contacted TransUnion once more and was informedcontrary to previous instructionsthat I am now required to submit a copy of my Social Security card. I was also told a letter was mailed to me on XX/XX/XXXX requesting additional documentation, which I had not been previously advised about. 

This ongoing inconsistency in instructions and repeated inability to access my credit file is causing substantial hardship. I am actively trying to secure a mortgage and can not move forward until TransUnion properly unsuppresses my report. No consumer should experience this level of stress and delay when attempting to resolve an issue with a credit bureau. 

I am requesting the following : Immediate review and unsuppression of my credit file. 

Written confirmation of the exact documents neededif anyand assurance that no additional unexpected requests will arise. 

Expedited handling of my case given the time-sensitive nature of a mortgage transaction. 

Please advise what you can do to assist and expedite this process. I appreciate your urgent attention to this matter. Thank you!

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 2025-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lentegrity Management, LLC
State: PA

Complaint narrative:
I am filing a complaint against Lentegrity Auto Finance for multiple violations of Pennsylvania law, the UCC, the UTPCPL, the FCEUA, the FTC Holder Rule, and the FCRA. Lentegrity sold me a vehicle on XX/XX/XXXX but never delivered or transferred valid title or registration as required under 75 Pa.C.S. 1111 and 1133. Because of their failure to process the title, the vehicle could not be legally registered or insured, and I received multiple Driving Without Registration citations, suspensions, and costs. 

In XXXX, Lentegrity said over the phone I had to pay the full balance before I could get registration, even though they were the ones who never transferred the title in the first place. This feels like extortion and has caused a lot of financial harm. 

They are also reporting this account as accurate on my credit report even though the sale was defective and they never completed the title work. I disputed the account with the credit bureaus and Lentegrity verified it without actually addressing the title issue. 

I am asking the CFPB to help : ( 1 ) delete the inaccurate credit reporting, ( 2 ) require Lentegrity to explain why the title was never submitted, and ( 3 ) stop them from trying to collect on an account they mishandled. I have attached documents that show everything that happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint because my credit report still contains fraudulent charge-off and collection accounts that are the result of identity theft. 

I previously mailed and electronically submitted complete identity theft dispute packages to each credit bureau, which included : XXXX Police Department Report # XXXX FTC Identity Theft Report Copy of my government-issued ID and Social Security card Proof of current address ( utility bill ) Detailed dispute letters identifying the fraudulent accounts These materials were received by the credit bureaus in XX/XX/XXXX, yet the accounts have not been deleted or blocked from reinsertion. 

The following accounts continue to appear on my reports even though they were opened or charged off as a result of fraud : XXXX XXXX reported as a charge-off for {$60.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX a charge-off for {$110.00} ( XXXX XXXX XXXX ) XXXX XXXX reported as a third-party collection account ( XX/XX/XXXX ) These accounts were never authorized, opened, or used by me. Under FCRA 605B and 611, credit bureaus are legally required to block and delete such accounts once a valid identity-theft report has been provided. 

The continued reporting of these fraudulent accounts is causing ongoing credit damage and limiting my access to legitimate financial opportunities.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX my cashapp account was charged {$1300.00} that i did not authorize and that was all the money i had in my account.The transaction first got declined and then it got approved. I filed a dispute on Thursday XX/XX/XXXX when the transaction was completed because i was told nothing could be done while transaction was pending but the dispute got denied on Saturday XX/XX/XXXX. I then filed an appeal right away on Saturday XX/XX/XXXX as well and the appeal got denied that same day. After contacting over the phone they told me their investigation team came to the decision that I authorized the transaction and they were not going to refund me the money. I did not authorize the transaction and lost all the money i had. Money i needed for a family emergency. I explained to them that i have never once made a charge to the merchant that charged me account or that i have never made a charge that high of an amount being with cashapp for more than 5 years. I immediately cancelled my card after the transaction was made. I have never heard of the company that charged my account but if i XXXX the name it shows that its a scammer and that it has also happened to other people with that same company. It is very upsetting the decision they made because i work hard for the little money i have and someone took all of it and cashapp will not help to get me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased an Airline ticket for my XXXX XXXX and her son XXXX. It was a XXXX way ticket from XXXX XXXX to XXXX for XX/XX/XXXX in the amount of {$620.00}. On XX/XX/XXXX, I sought to cancel the flight. They informed me that they were unable to refund me my money, but that they would provide me Airline Credit. I currently have XXXX in XXXX XXXX points which equates to {$360.00} in travel credits. ( In XX/XX/XXXX, I used some of the Airline credits for a flight ) Those credits if I do not use them are set to expire on XX/XX/XXXX. 

My concerns are the following. 

a. 2 Days after I booked the flight, they refused to give me my money back. 

b. The Barclay Credit Card used to Purchase the Airline ticket for {$620.00} offers its Card holders the ability to receive a statement credit. However, Jet Blue prohibits the use of Airline credit to make a Statement Credit.... Why???? This is my money that I paid them for ticket cancellation. They will only allow the airline credit to be used for the purchase of another flight. 

c. Lastly if I do not purchase another trip by XX/XX/XXXX. I lose those Airline credits. If this is not stealing I do not know what is. They refused to pay me back and make sure that I only use the money to purchase another airline. What if I can not afford to go on another trip. I guess I am out of luck too bad so sad. 

I want the {$360.00} that Jet blue is keepong from me to be retuned 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