vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Enterprise Systems, Inc.
State: MN

Complaint narrative:
Complaint Narrative : On XX/XX/year>, a representative from National Enterprise Systems placed a phone call to XXXX at approximately XXXX XXXX  CST. During this call, the collector disclosed private information regarding an alleged debt to my husband, who is not associated with this debt in any way. 

The collector then stated that he was trying to avoid litigation, which is both false and a misrepresentation of intended legal action. 

This conduct constitutes multiple violations of the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692c ( b ) Illegal third-party disclosure 15 U.S.C. 1692e ( 5 ) Threatening litigation without intent 15 U.S.C. 1692e ( 10 ) Deceptive means to collect 15 U.S.C. 1692f Unfair and abusive practices This disclosure caused significant distress and was made without my consent. I am requesting that the CFPB investigate National Enterprise Systems, review their call recordings from XX/XX/year>, and require corrective action. 

I request that all future communication from the collector be directed in writing only to my mailing address.

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 2025-11-24 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: CA

Complaint narrative:
b'I am disputing the following inaccurate or unverifiable information on my TransUnion report.\n\nCharged Off AccountsXXXX 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 XXXXDispute Basis:\nThere are duplicate listings, future-dated charge-offs, and potential unverifiable data. Please investigate and delete any inaccurate or unverifiable accounts.\n\nInquiry Dispute\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute Basis:\nThese inquiries appear excessive and may not have been authorized individually. Please confirm the permissible purpose for each or delete.\n\nLate Payment AccountsXXXX XXXXDOFED  XXXX XXXX XXXXDispute Basis:\nI believe these late payments were reported in error. Please verify with payment history or correct to Pays as agreed.'

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I reached out to this law firm today because I have been waiting on some type of male communication from them. I had received a call from the law firm a couple months ago or even a few months ago and they have requested to speak to myself, but by my maiden name which I had not been going under for the last five years. Due to the increased rate of scams going on, I opted not to verify any personal information if they could not provide me with the correct name that I would be going under. They stated that because they could not verify my information over the phone that they would continue to try and contact me by mail. Please note that I have never received anything from them by mail and have still not received anything from them by mail after the phone call. I did however, reach out to them multiple times trying to make contact to see if there was any follow up or if there was anything I needed to do but received no communication from them whatsoever. I was finally able to speak to somebody today and was at a complete loss to find out that they had already filed a lawsuit against me without my knowledge or without trying to communicate with me. The gentleman that I spoke with did state that there was a cease and desist order for phone communication that came over with the file And so they should not have contacted me by phone anyways the first time and the only time that they did. He also stated that, even if I were to set up a payment plan that they would continue with the lawsuit against me until I paid it in full I tried to reach a settlement agreement and ended up in tears because I was trying everything I could to explain my situation to them But was told by one of the representatives that I spoke to that he did not care either way. There was also false and misleading statements made on one of the phone calls that led me to feel extremely uncomfortable and like I mightve been getting scammed. I requested to speak to a supervisor or a manager after the representative that I was speaking with, got extremely rude and very short with me and became extremely unprofessional and becoming of what he continued to repeat over and over as a true law firm.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AZ

Complaint narrative:
I am submitting this as my official dispute regarding the accounts noted. They are not connected to me, and I did not authorize their opening. I kindly request that they be investigated and deleted. Documentation is included for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
This mortgage company UWMXXXX is stating I do not have homeowner 's insurance on my property at XXXX XXXX XXXX XXXX XXXX, FL XXXX when I absolutely do. I have verified this with XXXX XXXX & my XXXX agent however when I called UWM the person I spoke to said they can not discuss anything with me since I am the homeowner which is ridiculous so I'm left to file a complaint with the Consumer Financial Proptection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS DPT EDXXXX XXXX XX/XX/XXXX {$7500.00} DPT EDXXXX XXXX XX/XX/XXXX {$3900.00} DPT EDXXXX XXXX XX/XX/XXXX {$5400.00} DPT EDXXXX XXXX XX/XX/XXXX {$4000.00} DPT EDXXXX XXXX XX/XX/XXXX {$5000.00} DPT EDXXXX XXXX XX/XX/XXXX {$7100.00} DPT EDXXXX XXXX XX/XX/XXXX {$1200.00} DPT ED/XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX$540.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$85.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} These accounts show inconsistent dates and reporting differences compared to XXXX  and XXXX. I am requesting verification of each tradeline or removal if they can not be confirmed. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some of these inquiries were not authorized by me, or I do not recall them. Please verify permissible purpose or delete them. 

LATE PAYMENT XXXX XXXXXXXX This late payment does not match my own records. Please verify accuracy or correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I called XXXX to attempt to pay off my credit card debt. They directed me to National Enterprise systems. I spoke to someone named XXXX who used vulgar language when I tried to rephase my question about security with paying over the phone -because she would not answer my question. 
I asked for what security measures they use to protect my info- she could not tell me, I asked for a supervisor, she refused to transfer me. I requested a payment plan to payoff my debt and she kept repeating the same sentence saying she needed a XXXX time payment NOW over the phone. I explained I wasn't comfortable doing that. She said once I paid her I could not get a confirmation number immediately- she said it would take days. 

According to the GLBA and FCRA acts, XXXX never should have given this company my information. I would like my debt with Third party company settled since I never signed any agreement with them and both THEY AND XXXX have violated my privacy.

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 2025-11-24 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:
I am writing to dispute multiple items on my Equifax credit report, as I believe they are inaccurate and may violate the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned that some of the inaccuracies may have resulted from a potential data breach. Please investigate the following discrepancies and provide me with a corrected credit report.

Below are the accounts in dispute : 1. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Balance : {$430.00} Dispute Reason : This account is inaccurately reported as delinquent ( 60 days past due ). I am disputing this entry because the payment history and terms appear to be misreported, violating FCRA Section 1681e ( b ) for accuracy and completeness.

Data Breach Concern : Given the discrepancies in reporting, I suspect a data breach may have resulted in my account being inaccurately reported. Please investigate the integrity of my personal data. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Balance : {$590.00} Dispute Reason : This account is inaccurately marked as Collection or Charge Off, and the payment history does not match the actual terms. As per the FCRA, all reported information must be accurate, and I dispute the status and reported late payments. 
Data Breach Concern : There may have been unauthorized access to my account information leading to this incorrect reporting. Please verify if there was any breach of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.

Complaint narrative:
On XX/XX/2025 I purchased a prepaid vanilla XXXX for {$70.00} at a XXXX to purchase a cemetary wreath, I did all the steps required and the card was declined. I called the company and I keep getting different responses towards the funds that were still removed after being declined, I was supposed to receive it back as of the XXXX of XXXX but I haven't, called again another repersentative gave me a longer waiting time, same thing with my third called. I also enquired why the money was taken if purchase was declined and couldn't get a proper answer. As of today I am still waiting for them to reverse the funds back onto the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN ( Last 4 ) : XXXX Date : XX/XX/year> XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Verification Request for XXXXXXXX XXXX  Charges To Whom It May Concern, I dispute the validity of the alleged debt you are reporting : XXXX at XXXX XXXX Account : XXXX Claimed Balance : {$26000.00} This balance appears inflated and unsupported by documentation. 

Please provide : 1. Signed lease agreement 2. Full rent ledger 3. Move-out inspection report 4. Itemized list of charges 5. Proof of legal right to collect this amount If you can not provide documentation, you must notify XXXX  to delete your reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I paid for a service through XXXX and didnt receive neither the service or refund. I was giving the run around for about XXXX weeks until I was ghosted completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
don't return this. nothing has been resolved. no pay off stmt was sent before house sold...... file did not open read the attached email that was why the house was sold when foreclosure judgment sought they wanted me to re isgn a contract did not need it after they cashed payments on it. on the contract and cashed a check on these amounts. on the contract then refused to sign it. they use the loopholes in the law misrepresent why they were able to get foreclosure judgment and there is a lawsuit about this for which legal technicalities wont work like res judicata. that argument is coming I have received no mail no responses their C email CS given direction by XXXX XXXX gives me no prompt info gave me no pay off stmt as file did not open. see attachment and forward this complaint to them I am going all the way and nothing in their response resolves anything they take foreclosure judgment with me having a lawyer incompetent denying me dull and fair opportunity to litigate as evidence they could do what they did. they breached contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Ive been unable to update my new phone number with Affirm.com despite multiple attempts. Their identity verification system keeps failing, even though my document uploads were successful. Ive contacted support via chat, email, and XXXX over the weekend, but have received no response. 

I can not log into my account to make my next payment, which is due in XXXX business days. Creating a new account with my new phone number would disconnect me from my existing loan and support history. 

I need Affirm to manually update my phone number or provide a human override so I can access my account and make my payment on time. Their silence and system rigidity are unacceptable, especially given the time-sensitive nature of loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These accounts are in dispute and need to be reviewed for accuracy and completeness. Below are the details for each bureau : Inquiries : 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 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 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I submitted a loan assumption application to Chase in XX/XX/year>, and after XXXX months the process is still not completed. Chase has repeatedly delayed my file by resetting the XXXX review clock every time I submit documents that they asked me to send, including items I already provided multiple times. I am under a court-ordered deadline related to my divorce, and Chase has not escalated my case despite being informed numerous times. 
Chase has made intrusive and unnecessary requests, including month-by-month child support history going back over a year, XXXX records, multiple bank account histories, and detailed personal explanations unrelated to underwriting. They have also repeatedly requested the same documents ( bank statements, income proofs, explanations ), sometimes XXXX times. 
I have received contradictory informationI was told the file was in underwriting, then told underwriting had not started. No consistent point of contact has been provided. 
I am fully financially qualified : income $ XXXX, credit score XXXX, XXXX approx 36 %, rental property documented, I am requesting CFPB assistance to : Ensure Chase provides a completion date. 
Confirm and move my file to underwriting. 
Stop repetitive document requests and timeline resets. 
Assign a single point of contact. 
Provide me with their written assumption guidelines. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CO

Complaint narrative:
I am requesting a reinvestigation of the items listed below. The information reported may be inaccurate, and I would like to have these items reviewed and corrected based on the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Late Payments XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

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 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
Columbia debt recovery Genesis open XX/XX/year>. 
This was an apartment complex that was owned by the company I worked for they agreed to pay the debt when they fired me and they never did. 
Now this credit agency is legally adding interest to the original amount They have had over {$1500.00} in interest. 
These practices are illegal. This debt is not owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I, XXXX 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 XXXX  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 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