vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been aggressively contacted by this company called XXXX claiming to be collecting a debt regarding my credit card with American Express. I am agree to a payment program with American Express several months ago and have been making on time payments. However, I have now learned based on the XXXX call that the Amex debt of {$8500.00} was sold to to XXXX. I do not know who XXXX is and why would Amex be requesting two separate payments for both companies. I was already paying my card payment. However, I was told to no longer pay Amex and funding will be made to XXXX as a 3rd party debt collector. Either way the harassment needs to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: COMMERCE BANK
State: MO

Complaint narrative:
I am filing a formal complaint against Commerce Banks mortgage division regarding their mishandling, delay, and lack of transparency concerning a {$120000.00} insurance claim check meant for emergency home repairs following the XX/XX/2025 tornado in XXXX XXXX, Missouri. 

Background : I am the homeowner XXXX XXXX XXXX MO. 
My home was severely damaged in the XX/XX/XXXX tornado. 
My insurance company issued a {$120000.00} check made payable to both myself and Commerce Bank as my mortgage servicer. 
Per Commerce Banks requirement, the check must be deposited into an escrow account before repairs can begin. 
Nature of the Complaint : Despite repeated written and verbal requests, Commerce Bank has refused to provide me with any written documentation outlining : Their escrow policy and procedures, The process and schedule for disbursing funds to contractors, How interest or profits on the escrow account are handled, Any requirements I must meet to begin repairs. 
I submitted a signed contract for my roofing contractor ( scheduled to start work on XX/XX/2025 ) and requested the necessary terms to endorse the check responsibly. Instead of cooperating, Commerce Bank has falsely accused me of causing delays, while withholding the very information I need to move forward. This has resulted in : Delayed repairs, Increased contractor costs, Further property damage from exposure to weather, Significant emotional and financial stress. 
I believe Commerce Banks actions constitute unfair mortgage servicing practices and may involve deceptive conduct and obstruction of disaster relief funds. 

What I Am Requesting : I respectfully request your office to : Investigate Commerce Banks delay and refusal to provide required escrow information, Require Commerce Bank to provide full transparency and release policy documentation, Take appropriate action if they are found in violation of federal/state regulations regarding mortgage servicing, escrow accounts, or disaster relief practices. 
I am happy to provide email transcripts, the contractor contract, and all supporting documents upon request. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX Date : XX/XX/year> Midland Credit Management , Inc. 
XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Account # XXXX Amount : {$950.00} To Whom It May Concern, This letter is a formal demand for immediate validation and deletion of the account you are reporting under MIDLAND CRED XXXX Account # XXXX | {$950.00}. 

You are in direct violation of multiple federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ).

Legal Grounds for Dispute : 15 USC 1681b ( a ) ( 2 ) : You have no legal permissible purpose to access, use, or report my consumer file without direct authorization or legal justification.

15 USC 1692c : You are unlawfully communicating with me without proper verification or my consent, in violation of FDCPA communication restrictions.

15 USC 1692g : You failed to provide written validation of the debt within five ( 5 ) days of initial contact. This is a mandatory requirement under federal law.

15 USC 1681e ( b ) : You are reporting information that is incomplete, inaccurate, and unverifiable, violating your duty to maintain maximum possible accuracy.

UCC 3-501 : I demand presentment of the original instrument or contract bearing my wet signature. If you can not provide this, there is no lawful debt.

You Are Now on Legal Notice : Until proper validation is received, you must immediately cease all collection activity and remove this account from all consumer reporting agencies. Continuing to report or collect on this unverifiable debt is a willful violation of federal law. 

My Formal Demands : Immediate deletion of Account # XXXX from XXXX, XXXX, XXXX, and XXXX Full documentation including : A copy of the original signed contract Full payment history Complete chain of assignment Legal proof of your authority to collect Written confirmation that this account has been permanently removed from all databases and collection efforts If these demands are not satisfied within 15 days, I will take the following actions : File formal complaints with the CFPB, FTC, and the Illinois State Attorney General Pursue legal action under the FCRA, FDCPA, and UCC for statutory damages, removal of inaccurate reporting, and recovery of legal fees Submit documentation of your noncompliance to support civil litigation You are fully responsible for the accuracy and legality of your reporting and collection efforts. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
I had a XXXX XXXX Card The account number is XXXX.... 
The account is closed. 
The late payments is not accurate.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the placement of my federal student loan account into forbearance and/or delinquency without my knowledge or proper notification. These actions, taken unilaterally by Nelnet, have significantly harmed my credit score and financial standing. 
According to my records, my loan was placed into forbearance and/or reported as delinquent around XX/XX/year>. I did not request, authorize, or consent to any forbearance status. 
I received no advance notice of this change, nor allowed to contest or opt out of the action. On XX/XX/year>, I received an email stating I was XXXX months behind on payments. However, my credit report from XXXX  and XXXX, reviewed on XX/XX/year>, shows that delinquent status had already been reported as of XX/XX/year> ( Contacted by Fasfa via Email XX/XX/year> ). This timing demonstrates that my account was marked delinquent before any communication from Nelnet. 
Additionally, my records show that Nelnet first contacted me about a forbearance status on XX/XX/year>, in response to my application for an Income-Driven Repayment ( IDR ) plan, which I submitted on XX/XX/year>. That was the first and only communication I received regarding the forbearance, and it came after the status change and credit reporting. 
This mismanagement has resulted in serious negative marks on my credit report, including a reported 90-day delinquency. I was not notified of this delinquency until well after it was reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX/NC XX/XX/XXXX TransUnion TBOM/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} Inquiries XXXX XXXX Date : XX/XX/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 2025-06-07 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:
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 non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I began XXXX  XXXX  with a company called XXXX, which provides at-home XXXX XXXX. During the course of my XXXX, I experienced several issues with the XXXX  and communicated my concerns to the company, requesting corrections. While XXXX acknowledged the need for adjustments and I was in the process of resolving these issues with them, the company abruptly filed for bankruptcy and permanently ceased operations. As a result, my XXXX  was never completed, leaving my XXXX XXXX unfinished and the original service agreement unfulfilled. Breaching the XXXX XXXX XXXX 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 2025-06-06 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: OH

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: WA

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} Inquiries XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc.
State: TN

Complaint narrative:
sent me XXXX text messages ( the only form of communication ). This feels like a phishing attmept. 
Here are the messages... 

Hi, XXXX. You'll rcv texts from Diversified Adjustment Service Rgrdng PAST DUE acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # MsgsVary XXXX & XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
Reply STOP to optout XXXX XXXX XXXX Collector : You haven't paid your PAST DUE bill. Pay at EasyPayment.com Acct # XXXX XXXX To optout txt STOP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The accounts listed below are incorrect and is affecting my credit i dont know why they are reported on my credit report inaccurate but i will like them removed ASAP XXXX is being reported as closed with balance fully paid off but its showing two missed payments. I will like that removed XXXX XXXX/ is showing as closed with one missed oayment that account was settled with no miss payments. I will like this removed off of my credit report. 
Navy federeal Credit Union is showing closed with four miss payments that is inaccurate that account is settled. 
please remove these accounts of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Child Support Charge-Off Reporting To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning an item reported on my Experian credit report regarding child support. The account is currently listed as a charge-off, which is false, misleading, and harmful. 
Under 15 U.S. Code 1681e ( b ), Experian is legally required to follow reasonable procedures to ensure the maximum possible accuracy of information reported. Classifying child support as a consumer debt charge-off is a violation of that duty. 
Moreover, per 15 U.S. Code 1681i, I am entitled to a reinvestigation of any item I dispute.

I hereby request that Experian : 1. Immediately delete or reclassify this account if it can not be verified as a valid credit debt.

2. Provide the full name of the furnisher, method of verification, and source of the charge-off classification.

3. Cease reporting this item as a derogatory credit event if it is derived from a government obligation, not consumer credit. 
The current listing is not only incorrect it has severely impacted my life, causing : * Denial of housing * Rejection from credit card issuers * Emotional and mental stress due to perceived delinquency I expect a full response and resolution within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief