vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Vehicle was acquired in XX/XX/XXXX with loan agreement signed on XX/XX/XXXX. Vehicle was deemed a total loss the date of XX/XX/XXXX after receiving flood damage after XXXX XXXX 's landfall in XXXX Florida. After vehicle was deemed a total loss, all necessary payments were made forward to Credit Acceptance in order to close loan agreement from GAP insurance, vehicle auto insurance at the time of total loss who was XXXX XXXX, and Vehicle Service Contract Cancellation refunds from XXXX XXXX. Going forward to XXXX, Credit Acceptance filed a court summons against me and my sister the consumers to collect an invalid debt of {$5000.00}. 

XX/XX/XXXX was beginning date of court summons for mediation of debt, we denied mediation and decided to take it to trial. 

XX/XX/XXXX was Motion for Summary Disposition with Credit Acceptance 's appointed lawyer, after motion for summary, judge ordered lawyer to provide evidence to validate there is debt owed with Credit Acceptance 's proof pf debt only being transaction history, which listed multiple discrepancies. 

XX/XX/XXXX Non Jury Trial after exhibits from us, the consumer was uploaded to case on XX/XX/XXXX. Credit Acceptance 's appointed lawyer filed a voluntary dismissal on XX/XX/XXXX therefore moving forward in process to closing the case as this was just confirmed with the judge appearing in court today with no appearance from the lawyer. 

All documentation that was uploaded to court from us, the consumers, was to validate there is {$0.00} dollars owed to Credit Acceptance 's {$5000.00} claim from miscalculated information. Documentation can be uploaded if needed.

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reporting a severe data privacy breach and violation of the Gramm-Leach-Bliley Act ( GLBA ) by JPMorgan Chase Bank , N.A . and its vendor, XXXX XXXX XXXX. 

The Breach : On XX/XX/2025, Chases vendor ( XXXX ) conducted a 'Post Closing Critical Document Audit. ' During this process, the vendor transmitted my unredacted Business Tax Returns ( Form 1120-S ) and private residency letters via unencrypted, standard email to an unauthorized third party ( my domestic partner ). 

The Damages : This disclosure revealed my businesss net profit XXXX XXXX XXXXXXXX ) to a non-shareholder, causing immediate and quantifiable relational distress and 'Public Disclosure of Private Facts . ' The transmission of NPI ( Non-Public Personal Information ) to a public XXXX email address without encryption is a violation of the FTC Safeguards Rule. 

The Bank 's Negligence : I notified Chases Executive Office on XX/XX/2025 and XX/XX/2025. I provided evidence of the breach. Chase failed to resolve the issue, failed to confirm the data was purged, and failed to offer restitution. I set a deadline for resolution which the bank has ignored. 

Desired Resolution : I demand Chase Bank audit this vendor to confirm no other data ( SSN ) was lost, provide written proof of data destruction, and pay {$25000.00} in restitution for the privacy tort and the cost of lifetime credit monitoring for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
Planet Home XXXX are a bunch of criminals and thugs. The documents they sent are forgeries. XXXX Department has never sent me anything to my property address. Plus my property closed XX/XX/year>. Not on XX/XX/year> ... They XXXX initially had address wrong in system and stated they corrected it to reflect correction : XXXX XXXX XXXX XXXX D XXXX Missouri XXXX. 
Also my address on occupancy has always been correct. ( I attached a copy ). and my XXXX proves it too. Also if you have correct information send it Certified and we'll have proof. Otherwise until then your a bunch of thugs, heathens and lowlives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
Debt was purchased by a third party at which time I was not provided with any data prior to the sell of my personal information and/or debt by original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, and Transunion 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Accounts Under FCRA Section 609 Dear, XXXX  I am writing to formally dispute inaccuracies I have identified on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ), I am requesting the validation and verification of the following account ( s ) : XXXX XXXX XXXX - {$1100.00} XXXX XXXXXXXX XXXX XXXX- {$13000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Sunrise XXXX XXXX  {$150.00} XXXX XXXXXXXX XXXX XXXX - {$100.00} XXXX XXXX Inquiries Account : XXXX XXXX, XXXX XXXX XXXX I am requesting that you provide copies of all records and documentation used to verify the accuracy of this account, including but not limited to : 1. A copy of the original signed contract or agreement between myself and the creditor.

2. Any documents proving the account is being reported accurately and legally. 

If you can not provide sufficient documentation to verify this account, I respectfully request that it be permanently removed from my credit report in compliance with the FCRA. 

To facilitate your investigation, I have included the following : A copy of my government-issued photo ID. 
A copy of my Social Security card. 
Proof of address ( e.g., a utility bill or bank statement ). 
A copy of my credit report highlighting the accounts in question. 

I expect a response within the 30-day timeframe as stipulated under the FCRA. Please send your findings and any relevant documentation to the address listed above. If you find any inaccurate or unverifiable information, I request its immediate removal from my credit file. 

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at ( XXXX ) XXXX XXXX XXXX. 

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 2025-12-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
b"This company name JPMCB card Partial ACC # XXXX  I asked him was that a original contract with my signature on it I also requested proof of ownership and a payment history on the contract they hold they hung up the phone on me and wouldn't answer the phone when I called back several times"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND XXXX  LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This company is violating my rights they have not provided validation Information under XXXX XXXX  XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
Current Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX  Original Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Our File Number : XXXX XXXX XXXX XXXX XXXX Case XXXX XXXXXXXX Current Balance : {$2800.00} XXXX sent a formal letter to XXXX  Credit Bureau reporting this as fraud, in which XXXX  did in fact remove. I am being harassed again by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I acknowledge Fay Servicing LLCs response dated XX/XX/XXXX. However, the response fails to meet the verification and investigation requirements mandated by federal law and does not justify continued reporting of a 30-day late payment for XX/XX/XXXX. 

Fay admits it is acting as a debt collector, thereby subjecting itself to heightened accuracy and verification obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act. Despite this, Fay relies exclusively on internal system records and refuses to provide third-party, objective verification of the disputed information. 

Critically, Fay has not produced any verifiable proof that required notice of the returned payment was actually delivered and received prior to credit reporting on XX/XX/XXXX. No certified mail receipt, XXXX tracking, proof of delivery, or acknowledgment of receipt has been provided. A generic Returned Payment Notice without delivery confirmation does not satisfy FCRA verification standards. 

Additionally, Fay improperly attempts to shift its statutory burden by stating that proof must be obtained from my bank. Federal law is clear that the furnisher, not the consumer, bears the responsibility to verify disputed information through a reasonable investigation using competent evidence. 

Fays own records show the payment was initially accepted and applied before being reversed internally. Under 15 U.S.C. 1666b, payments must be credited as received, and consumers must be given reasonable notice and opportunity to cure before negative credit reporting. Fay has failed to demonstrate compliance with this requirement.

Furthermore, Fay has not demonstrated compliance with 15 U.S.C. 1681b ( a ) ( 2 ) ( permissible purpose ), 1681s-3, or 1637, nor has it shown that a lawful, documented pre-reporting compliance review occurred.

Because Fay Servicing LLC can not provide third-party verifiable proof of proper notice, delivery, and a reasonable investigation, the XX/XX/XXXX 30-day late payment remains unverified. Continued reporting of this item constitutes furnishing inaccurate and unverifiable information. 

I respectfully request that the CFPB require Fay Servicing LLC to either : Produce documented, third-party verifiable proof of delivery of notice and full statutory compliance, or Delete the XX/XX/XXXX late payment from all consumer reporting agencies and correct the account to Paid as Agreed. 

Absent such proof, deletion is required under FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: CA

Complaint narrative:
I submitted several application for forbearance or modification, including paying a portion of past due balance but US Bank was not helpful. On XX/XX/XXXX I submitted another modification/forbearance application and was working with them to get caught up on my payments. I responded with all documents request in a timely manner. On XX/XX/XXXX I followed up with another document request and sent to XXXX and received confirmation they had received it. During this entire period I maintained constanct communication. On XX/XX/XXXX I responded to a letter and filled out the vacancy questionnaire they sent me. 

XXXX to me at the time while I was trying to resolve this US Bank filed a notice of default. I continued trying to get a modification and submitted additional application. I later received in XXXX ( XX/XX/XXXX ) a letter from XXXX XXXX XXXX stating that a Notice of Default had been filed. I called US Bank and was told that they were not working with XXXX loan servicing as they handle their own foreclosure process. I called several other times and was advised they had not filed a foreclosure and was not working with XXXX loan services and that I should not make any payments to them. 

In reviewing the letter from XXXX XXXX servicing it stated that the mortgage servicer has been trying to contact me per California XXXX XXXX XXXX ( F ) but have not been able to contact me. This is inaccurate as I was in constant contact with US Bank via phone calls, email and letters. During this process I also sent in information that my property was listed for sale and eventually on XX/XX/XXXX sent in a signed purchase agreement. I did not hear back from US Bank so I am in the process of filing another modification as I would like the opportunity to keep the property but if not get the time needed to sell. 

On XX/XX/XXXX I called US Bank and advised I was trying to sell and they advised for the first time that the foreclosure process had started and it would take time to get a payoff. I belive that US Bank improperly filed the notice of default at a time in which I was working with them. I don't believe they had any intention of honoring my request and acted accordingly. They clearly violated federal and state laws regarding the foreclosre process and I am hoping CFPB will assist in fixing this by stopping the foreclosure and forcing them to follow the start the process correctly which would give me the opportunity to pay the past due amount.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Please provide validation of this alleged debt, including : 1. The amount of the debt, including an itemized breakdown of interest, fees, and any other charges.

2. The name and address of the original creditor.

3. Documentation showing that I am legally obligated to pay this debt.

4. Copies of any agreement or contract bearing my signature that authorizes the debt.

5. Proof that your agency is licensed and authorized to collect debts in my state.

6. Proof that this debt is within the applicable statute of limitations.

Until you provide the requested verification, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. 

Please note that this letter is not an acknowledgment of the debt nor a promise to pay. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation