vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NATIONS LENDING CORPORATION
State: TN

Complaint narrative:
We refinanced our home through another lender at the end of XXXX, and the old lender posted payoff on XX/XX/year>. We had over {$2800.00} in escrow and havent paid it to us yet. They gave 20 days to refund us but they didnt process the refund until XX/XX/year> - but the lady told me they wont send the refund for another XXXX to XXXX business days. They are supposed to refund within the 20 days. Nations lending/ XXXX XXXX has been nothing but trouble from the time we have dealt with them - that is why I refinanced with another company.

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 2025-08-25 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: NC

Complaint narrative:
Upon reviewing my credit report, i noticed 180+ days of late payments ( XXXX latest ) on my " XXXX XXXX XXXX '' credit card account that had been paid in full and closed since XX/XX/year>XXXX 

I am requesting a full investigation and verification of these late payments and account accuracies. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate reporting.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My address and employer are reporting inaccurately on all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am currently in the middle of buying a home and I am already under contract. Because of this, the accuracy of my credit report is extremely important, and any delay or error could put my home purchase at risk. Back in XXXX, I began correcting errors on my credit report that actually belong to my credit report that actually belong to my twin sister. XXXX XXXX XXXX have already corrected my information and are reporting my name correctly. However, Equifax continues to report my twin sister 's mortgage under my SSN. When I call Equifax directly, they tell me there is nothing on my report, but the lender and XXXX XXXX XXXX XXXX both show that Equifax is displaying this mortgage account incorrectly. In addition to this, Equifax is showing the wrong name ( XXXX ) under my XXXX, which is not my legal name. My correct legal name is XXXX XXXX XXXX. This error has been extremely frustrating and stressful, especially as I try to move forward with my home loan. I am requesting that Equifax immediately remove the mortgage account that does not belong to me, as it belongs to my twin sister. Correct my personal information so that only my legal name XXXX XXXX XXXX is reported under my SSN. Provide written confirmation once the file has been corrected so that i can move forward with my house buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-25 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: PA

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX related to XXXX XXXX XXXX. 

I enrolled in a treatment plan with XXXX XXXX XXXX, but in XX/XX/2023 I was informed that the company was shutting down. In XX/XX/2023, XXXX XXXX XXXX filed for bankruptcy and permanently closed operations. The treatment was never completed, and no further services or products were provided. 

Despite this, XXXX XXXX XXXX continued to report an outstanding balance on my credit, claiming I still owed money. I contacted XXXX XXXX XXXX in XX/XX/2023 to explain that the debt was invalid, but they informed me that they could not resolve it. Since then, I have not received any valid proof of the debt, only attempts to collect for a service that no longer exists. 

This debt is inaccurate and unfair. It should be removed from my credit report immediately because the underlying service was never rendered, and the company no longer exists to fulfill the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
Not sure about the efficacy of this company. ( ( LLOYD & McDaniel ) ) Never touched base with me, never emailed me, never mailed me, never called- only found out they were trying to take me to court by calling the magistrate because I kept getting bankruptcy attorney mailers!! Trying to get in contact now with no avail. This has to be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX XXXX Account not mine

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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
I was sued by company, in the summons that was sent to me I discovered that the debt I was being sued for was owned and transferred between several different companies. When I went to court, I asked the person who suing me on behalf of the company for chain of title and the purchase agreement between all the companies who supposedly owned my debt and was told at that I didnt need to see it and what was sent to me was all I needed. The last court date was in XXXX and court is in XXXX and they still havent sent the proper information needed to prove that they actually own the debt, by not giving me the proper information showing that actually own the debt, they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I have been trying to get an understanding of my account in its entirety due to my financial situation. Back in XX/XX/XXXX a storm hit here in Texas, I called in to asks to put a few payments to the back while work and other things were affected. In XXXX XXXX XXXX I was wrongfully terminated and called in to be proactive to see what kind of help I could get. Was told I needed to wait until I was 61 days in delinquent. I waited then applied for loss mitigation. I was approved for forbearance. My situation had not been fixed for almost 12 months, I was told to make a payment before the XXXX month and then apply for post forbearance help. I did so in XXXX and was offered a higher XXXX interest rate with monthly payments going to XXXX a month 40 year term. I denied and applied again as I was told I could do. Also in the meantime I was told that I wouldn't have to make a payment while these decisions take about 30 days, so I would have some time to better my situation. I applied again and same result, the gentlemen was very forceful in his offer that either I take this, pay the full balance which was XXXX approx at the time or look to sell my home. I asked what were the parameters as to why I don't qualify for anything else. He said his underwriters told him this is all I could get. Very rude and forceful on the phone, so I asked could I call back after getting my thought together. I then called back with a specialist to speak on my behalf to get my information to see if they could help. I got all kinds of run arounds and questions about who they were, long holds on the phone, and yet when they final gave information about my loan, It was foriengn to me. This is when I started getting red flags and started asking questions and researching my files. The specialist mentioned that she could tell that they are hiding information and really just trying to get me out of the interest rate that I locked in back in XXXX, not trying to offer me too much help. Now trying to log into my account I can only go back to XXXX of XXXX. I was told that the amount that I need to pay is over XXXX and I don't have any options. I reached out to HUD to file a complaint and find resources and I'm working on doing that now. After weeks of calling, stressed and just trying to understand a way that I can get the proper information to move forward I was able to speak to a young lady in customer care who took the time to actually look for my information and explain why I have 3 loan numbers and yes I did have a partial claim back when XXXX happened. She gave me some hope as to trying to send me the information. I'm doing the leg work myself and trying to find help with a councilor through FHA/HUD resources XXXX I created an account in the SMART portal and hopefully I can find help to keep my home for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, Arizona, XXXX ] [ Phone Number : XXXX ] [ Email Address : XXXX ] Date : [ XX/XX/year> ] To : [ XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, SC XXXX ] Subject : Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) Dear [ Debt Collectors Name ], Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I am hereby demanding that you immediately cease and desist from all communication with me regarding the alleged debt you claim I owe.

Under the law, once you receive this letter, you may only contact me for one of the following reasons : To advise me that your collection efforts are being terminated ; To notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or To notify me that you intend to invoke a specific remedy.

Other than the exceptions listed above, you are prohibited from contacting me further about this matter.

Please also ensure that no further attempts are made to report or re-report this alleged debt to any credit reporting agency without proper validation and compliance with the law.

Be advised that failure to comply with this request may constitute a violation of the FDCPA, and I will not hesitate to report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of my state. 
This letter is sent to you in good faith, with the intent to enforce my rights under federal law. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and addressed fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported on my credit file. I have no connection to this account, never authorized it, and have never used it in any capacity. Its presence is misleading, false, and damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: PA

Complaint narrative:
I do not recognize following hard inquiries, they are unauthorized without permissible purpose and have to be deleted immediately : XXXX XXXX XXXXXXXX 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