vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: NV

Complaint narrative:
I am submitting this complaint regarding Midland Mortgages handling of my loss mitigation appeal and foreclosure servicing. 

On XX/XX/year>, I timely submitted a formal written appeal of a loss mitigation denial dated XX/XX/year>, pursuant to 12 C.F.R. 1024.41 ( h ). The appeal was sent via email to the designated appeals address and included supporting documentation, including verified new employment and income.

Despite the passage of more than three business days, Midland Mortgage has failed to acknowledge receipt of my appeal, failed to confirm that the appeal has been logged for review, and failed to confirm that foreclosure activity has been suspended while the appeal is pending. 

Given the active foreclosure status of my loan, this lack of acknowledgment places me at risk of improper dual tracking and deprives me of confirmation that my federal appeal rights are being honored. The original loss mitigation denial was issued only two days after my application was submitted and did not consider material changes to my financial circumstances.

I am requesting that Midland Mortgage : Immediately confirm receipt and logging of my loss mitigation appeal ; Confirm that all foreclosure activity is paused while the appeal is under review, as required by Regulation X ; Conduct a complete and compliant appeal review that considers my updated income and employment ; and Provide written confirmation of the appeal determination. 

This complaint is submitted to ensure compliance with federal mortgage servicing regulations and to prevent improper foreclosure activity while my appeal is pending.

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: 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: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies for continued inaccurate, misleading, and inconsistent reporting of the same account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being reported multiple times with conflicting account types ( auto lease/automobile/lease ), inconsistent remarks regarding dispute status, and inaccurate payment history data. Despite reflecting a zero balance, no past-due amount, and XXXX XXXX left to pay, the account continues to display late payment indicators and varying month counts, which materially misrepresents my creditworthiness. 

These inconsistencies demonstrate a failure by both the furnisher and the credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes were submitted. Reporting the same obligation with differing data is misleading, deceptive, and harmful, and constitutes continued noncompliance with FCRA requirements.

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: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Letters were received in the mail requesting a payment which I was unable to pay.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis keeps replying stating they are unable to verify my identity however I attach a clear copy of my government state issued ID, a copy of my social security card, and proof of my residency. These documents are clear and able to be viewed. The same response is also issued by their subsidiary XXXX. The law states that the consumer agencies must provide one free consumer report each year. I have been unable to get my report either online or through the mail because they will not provide it. This is against the law and I am filing multiple complaints about this. My name is XXXX XXXX XXXX, my social security number is XXXX, my address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. Provide my consumer file you have under this name and social,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filing a complaint regarding continued collection attempts by Radius Global Solutions for an alleged debt of {$230.00} ( Original Creditor : XXXX XXXX XXXX ). I previously disputed this account with the major credit reporting agencies. On XX/XX/year>, the credit bureaus completed their reinvestigation and deleted this item from my credit file because it was inaccurate and could not be verified. 

Despite this deletion and the debt being invalid, Radius Global Solutions has continued to harass me. In XX/XX/year>, I received a fourth collection letter from them attempting to collect on this same deleted account. This continued collection activity on a debt that has legally been removed from my credit report constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX  Rosenthal Act. I have sent a Cease and Desist notice to the company, but their collection attempts persist

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: 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: CA

Complaint narrative:
I am filing this complaint regarding unauthorized and/or unverified hard inquiries appearing on my credit report. 

I recently reviewed my credit reports and noticed multiple hard inquiries that I did not authorize, did not consent to, and have no knowledge of. These inquiries are negatively impacting my credit score and overall credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I am formally requesting that each company reporting these inquiries provide documented proof of authorization, including but not limited to : A signed application or contract Proof of permissible purpose Date and method of authorization If the furnisher or credit bureau can not provide proper verification, the inquiry must be removed immediately. 

I previously attempted to address these matters, yet the inquiries remain without valid verification. This continued reporting of unverified information is causing ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am filing this complaint regarding unauthorized and/or unverified hard inquiries appearing on my credit report. 

I recently reviewed my credit reports and noticed multiple hard inquiries that I did not authorize, did not consent to, and have no knowledge of. These inquiries are negatively impacting my credit score and overall credit profile.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverifiable information. I am formally requesting that each company reporting these inquiries provide documented proof of authorization, including but not limited to : A signed application or contract Proof of permissible purpose Date and method of authorization If the furnisher or credit bureau can not provide proper verification, the inquiry must be removed immediately. 

I previously attempted to address these matters, yet the inquiries remain without valid verification. This continued reporting of unverified information is causing ongoing harm.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Would you mind going through this entry? It was written late.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my XXXX XXXX XXXX. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now XXXX being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like XXXX being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KS

Complaint narrative:
I contacted the bank to see what could be done I told them was scammed by individual of {$580.00} and have tried numerous times to request money back and keeps getting declined. thed bank said there was nothing could be done about it. just keep requesting them to send payment chime wont do anything help me get money back.

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 status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I purchased property at XXXX XXXX XXXX, XXXX XXXX, IL for {$74000.00} with an FHA mortgage loan. Shellpoint is now servicing this loan. The loan is void due to title fraud that conceals an {$800000.00} XXXX on the property. 
Title Fraud : On XX/XX/XXXX, seller XXXX XXXX XXXX  the property from XXXX XXXX XXXX to himself personally ( XXXX XXXX XXXX ). 
On XX/XX/XXXX, XXXX XXXX  recorded a partial release of its {$800000.00} lien to " XXXX XXXX XXXX '' an entity that no longer owned the property. This release is void under Illinois law. 
On XX/XX/XXXX, title attorney XXXX XXXX of XXXX XXXX XXXX certified clear title and closed the transaction knowing the {$800000.00} XXXX remained on the property. XXXX issued XXXX XXXX XXXX XXXX XXXXXXXX fraudulently certifying clear title. 
The {$800000.00} XXXX is still attached to my property. It exceeds my {$74000.00} purchase price by more than XXXX times. I would never have purchased the property or obtained the mortgage had I known about this XXXX. 
Loan is Void : The mortgage loan is void due to fraud in the inducement and lack of marketable title. The lender obtained the loan through fraudulent concealment of an {$800000.00} encumbrance. Shellpoint has no legal right to collect payments on a loan secured by property with undisclosed liens exceeding the purchase price. 
Relief Requested : Void the fraudulent mortgage loan immediately, cease all collection activities, refund all payments collected since the loan transferred to Shellpoint, and correct credit reporting to reflect the loan was fraudulently originated and is void. 
Criminal Complaints Filed : XXXX XXXX XXXX 's Attorney, Illinois Attorney General, XXXX Attorney XXXX XXXX Illinois, and FBI XXXX XXXX XXXX regarding the systematic title fraud conspiracy.

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: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
In XX/XX/year>, I notified my mortgage servicer that I am exempt from paying real estate taxes as a XXXX  % XXXX veteran in XXXX XXXX, IL, and I provided all required documentation at that time. Since then, I have followed up numerous times, including providing a screenshot from the XXXX XXXX website confirming that no taxes are due, but my escrow account continues to accumulate more than {$2000.00} per month. 

Village Capital & Investment LLC ( NMLS # XXXX ) has not provided adequate responses regarding my XXXX Veteran Homestead Exemption or the handling of my real estate tax escrow ( Loan # XXXX ). The company is holding my funds, earning interest on them, and failing to correct the escrow balance, which I believe constitutes a violation of RESPA. 

I would like to file a formal complaint and request that my escrow balance be corrected immediately, and that all improperly held funds, including interest, be returned.

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 status incorrect
Company: Alorica Inc.
State: TX

Complaint narrative:
This is a follow-up to CFPB XXXX XXXX XXXXXXXX. XXXX continues to falsely report my account as past due despite being on a 1 % APR plan that prohibits late reporting. I have never missed a payment, and my XX/XX/XXXX payment was deposited on XX/XX/XXXX, ahead of the XX/XX/XXXX due date. I then received XXXX more false past due notices dated XX/XX/XXXX and XXXX, even though my account shows the payment posted. 

This misreporting has continued monthly since your XX/XX/XXXX resolution. Each time, I send proof to their XXXX team and they ignore it. I now experience anxiety every time they send another false notice. This is targeted harassment, and it feels abusive and punitive. It is emotionally and legally damaging. 

I have uploaded proof : my statement, payment receipt, envelope photo, and formal email notice sent with full documentation and CCd to multiple regulators. This is no longer a clerical error it is willful misconduct and coordinated negligence.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has continued to send collection letters and payment demands regarding an alleged, time-barred debt after receiving a written notice disputing the debt and demanding that all collection communications cease. 

Midland received this notice by certified mail, yet continued to mail invoices and settlement offers seeking payment.

I am submitting this complaint to document ongoing collection activity following a cease-and-desist notice and to request that Midland comply with federal consumer protection law by stopping all collection communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime been taking money from me since XXXX and I would like and audit of my account under chime. My name is XXXX XXXX XXXX, date of birth is XX/XX/XXXX and my ssn # XXXX. I want a complete audit from the time of XX/XX/XXXX until XX/XX/XXXX. Also credit builder looked into also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, Dispute Explanation I entered into an agreement for a mobile app development project ( {$19000.00} ) XXXX XXXX XXXX ( {$3000.00} ) for a total of {$22000.00}. 



I paid {$15000.00} using my Chase credit card, which was 100 % applied to the mobile app development. 

The remaining balance was paid using XXXX XXXX. 

The mobile application was never delivered, and no usable product or final deliverables were provided despite payment. Because the service paid for with my Chase card was not rendered, I am disputing the full amount of {$15000.00} charged to my Chase credit card. 


The disputed charge includes the most recent transaction : XXXX XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation