vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I have been making automatic payments for my mortgage to NewRez, my loan servicer, that are taken from my bank account at the end of the month. I scheduled these years ago in order for the payment to be received by NewRez at the beginning of the month for that months payment. This has been in place since NewRez purchased my loan from Caliber home loans. 
Beginning this XXXX with the payment paid via automatic bill pay at the end of XXXX and received by NewRez at the beginning of XXXX, the payments have been attributed to an additional principal payment instead of my mortgage. NewRez has then contacted me in attempts to collect the debt, and have also wrongly reported the debt to the credit bureaus. 
Each month since this has occurred, I have spent hours on the phone with NewRez trying to correct this. On XX/XX/year>, I last called NewRez to try and figure out why they keep calling me, why they say theres an outstanding debt, and why they hadnt applied the mortgage payment that was made to them to my mortgage. I placed similar calls to NewRez in XXXX, and I believed had solved the problem by following their updated payment instructions. 
During my last call to them on XX/XX/XXXX, I was advised that 1 ) I should update my payment to occur at the beginning of the month rather than the end ( despite this automatic payment having occurred for years without issue ; 2 ) that the amount was incorrect due to escrow changes ; and 3 ) that with a one-time payment of the outstanding amount of {$250.00} to cover the escrow delta for both XXXX and XXXX, I should have no further issues. 
I paid the {$250.00} over the phone immediately ( screenshot attached ). I updated my automatic bank payments to move to the beginning of the month rather than the end, and updated the amount to reflect the escrow changes. 
XXXX business days later ( XX/XX/XXXX ) I again received a call from NewRez claiming that I hadnt made a mortgage payment, they hadnt received the {$250.00}, they were reporting the debt to the credit bureaus, and there were no clear instructions on how to cure it except provide them with the full payment amount, which they had already received via automatic payment at the beginning of the month. 
At this point, NewRez is requiring weekly phone calls that dont seem to resolve issues, the communication is inconsistent & inaccurate, creates a tremendous burden on me to contact credit bureaus and the serving agency to try and correct these actions, and most importantly : I HAVE MADE ALL OF MY PAYMENTS ON TIME VIA AUTOMATIC BILL PAYMENT THROUGH MY BANK as I have done for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I have a XXXX XXXX Citibank Visa card. I looked at my account online and saw a credit score of XXXX - poor. I called on XX/XX/XXXX to tell them this was incorrect since all the bureaus ( XXXX XXXX XXXX have me as Excellent credit with scores in the 800 's. They told me to check with the bureaus again. I did and there is nothing negative on my reports. However, Citibank is stating that I have delinquent accounts and have opened too many accounts. I always pay my bills on time and only have a few other credit cards, none of which were opened recently. I tried to explain this to them and that they somehow put someone else 's information in my file, to no avail. Then on XX/XX/XXXX they sent me a notice in the online portal saying they were decreasing my credit limit to less than 1/2 of my prior limit. I called them again and still could not get through to anyone to fix this. I was told I could fax my dispute to Citibank Credit Bureau Dispute Unit ( XXXX ). I faxed my dispute with all the information they asked for and a copy of my XXXX  report showing a score in the 800 's on XX/XX/XXXX. XX/XX/XXXX I called to make sure they had my fax and ask for a copy of what they have in their records that caused this. I received the same canned response that they are not responsible for the score and that scores vary. I finally got to talk to a manager ( XXXX in XXXX  ) and asked her to confirm they received my fax and asked her for a copy of what they were looking at that made them put that score in my file. She said she couldn't see the fax yet but she would check again today ( XX/XX/XXXX ) and ask for a copy of what they had to be sent to me -- but she wasn't sure they could do that. I told her I legally have the right to see it, especially since nothing negative is on the reports that I see so I need to see what they are looking at. I have not heard anything back or received a copy of what they have in their records. I pay my card in full every month as they can see in my long history I have with them which also shows them years of credit scores. We will be going on vacation soon and this is the card we use, so this will cause us problems. Also, this is due to nothing I have done wrong, and I'm not even sure I can get another credit card with this looming over me.

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 2025-06-24 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I disputed a debt with Professional Debt Mediation via certified mail on XX/XX/year> under my rights from the Fair Debt Collection Practices Act ( FDCPA ). I never received any response or validation from the collector. 
Despite this, the debt continues to be reported to XXXX XXXX XXXX. I believe this violates FDCPA 809 ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 regarding inaccurate reporting. 
I have sent a follow-up notice to the collection agency and re-disputed with the credit bureaus. I request that the CFPB take action to ensure this account is removed and that the collector ceases reporting and collection activity unless they properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
This is to inform you that I sent you several letters disputing same inaccurate information you are producing in my consumer report that affects my reputation. I know my legal rights and I know that I am protected by the Consumer Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
i inquired about a vehcile ( XXXXXXXX XXXX ) on XX/XX/XXXX and XXXXXXXX XXXX  text me and basically bribed, fabricated an application and coierced me into accepting a XXXX XXXX XXXX and i had no idea of a contract. I was contacted ny XXXX XXXX and they said XXXX paid them {$18000.00} for the XXXX XXXX but wanted their money back and that they did not want to service a car loan for me. I was mislead into XXXX XXXX and XXXX XXXX XXXX used whatever information and lies to deceptively make the deal with XXXX XXXX. XXXX XXXX XXXX called me and said they were bribing XXXX XXXX to send more customers to them. XXXX XXXX is now reporting a car loan on my credit and it needs to be removed because they refued to service a car loan for me and i dont even have possession of a XXXX XXXX XXXX because XXXX XXXX XXXX XXXX the car back from me. I never receieved any notices that XXXX would be servicing the loan, i never recieved any notices of a default or anything. All the entire time it has been misleading false information and it is mentally and finacially damaging. XXXX XXXX and XXXX XXXX XXXX misused my data and fraudulently outting this car on me and i never even seen an applicvation for XXXX XXXX elantra or contract,. XXXX XXXX XXXX did all the paperwork and deceptively received a payment from XXXX XXXX and then returned it weeks later at XXXX XXXX demand. 

I have filed a FTC report for the XXXX XXXX deception and auto fraud,. My Identity is being misused and taken for granted. My 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 explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry currently reflected on my credit profile. I have not applied for any credit products or services that would justify such an inquiry, and therefore it appears on my report in error or as a result of unauthorized access to my personal information. Under the Fair Credit Reporting Act ( FCRA ), no one is allowed to obtain a consumer 's credit report without a permissible purpose or without the express consent of the consumer. I have not given such consent. Therefore, the inclusion of this hard inquiry is not only inaccurate but also a violation of 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 non-monetary relief
Consumer complaint received 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year>. Contacted Capital One and XXXX to remove hard inquiries from my report because I did not apply for credit. They promised they would but it still remains after XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Company : Roundpoint Mortgage - XX/XX/XXXX : Roundpoint mortgage paid XXXX city taxes ( {$7800.00} ) - XX/XX/XXXX : City taxes were refunded to Roundpoint mortgage ( {$7800.00} ) - XX/XX/XXXX : Roundpoint claimed we now had a surplus in our escrow amount and sent us the overage ( {$4500.00} ) - XX/XX/XXXX : Roundpoint reached out to let us know we had a shortage in escrow account ( {$8400.00} ) XXXX : We contacted XXXX XXXX XXXX to understand why our city tax bill went up. They claimed that there was interest and late fees due to missed late payment completed in XXXX. 

XXXX : we contacted roundpoint mortgage to understand what the new invoice included ( we weren't able to get a new city tax bill ) and they simply claimed " our taxes went up '' but they would have their tax team review our account and let us know asap. 

- XX/XX/XXXX : XXXX never followed up so we contacted them again and asked to escalate our case. We spoke to a manager level representative and they sent us a PDF of the " new tax bill '' they received in XX/XX/XXXX ( when they had the original payment refunded ). This tax document showed that our taxes had not increased -- they had gone down. ( originally the bill was for XXXX and the amount listed on the new bill was {$7700.00} ) After speaking with an accountant -- it appears that XXXX refunded the original payment because they over-billed. Then, Roundpoint did not pay our taxes from our escrow account on time and incurred late fees. Now, even though they're making interest from our account, they are trying to force us to pay the late fees and interest to the XXXX of XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Date of Birth : XX/XX/1991 SS # : XXXX XXXX XXXX XXXX Account Number : XXXX This account is not mine. the account number is wrong

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 2025-06-24 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: TX

Complaint narrative:
This letter serves as my formal dispute of an unauthorized hard inquiry listed on my credit report. I did not give consenteither verbal or writtenfor this party to access my credit file. This entry appears to be erroneous or potentially the result of identity misuse. Hard inquiries impact credit scores and influence how potential lenders assess risk. Therefore, any unauthorized inquiry must be treated with urgency and seriousness. According to the FCRA, you are obligated to verify the accuracy of all entries you publish and delete those that can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am writing to alert you to the presence of multiple unauthorized accounts that have been added to my credit file. I did not open these accounts, nor did I authorize anyone to do so on my behalf. Their presence is not only inaccurate but also harmful to my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Click n' Close, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding the conduct of a licensed mortgage loan originator ( MLO ) currently handling a mortgage application that is being processed at the South Carolina branch. The company, Click'n'Close, and the individual, XXXX XXXX XXXX are registered through the XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. I believe XXXX XXXX 's behavior constituts a violation of the professional standards mandated by the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 ( SAFE Act ), which requires MLO 's to demonstrate financial responsibility, character, and general fitness to engage in mortgage lending honestly and fairly. 

In this instance, my parents are co-signing my mortgage loan. During underwriting, a debt appeared on their credit report that actually belonged to my recently deceased brother. I clearly informed the underwriter that the debt was not theirs and explained that my brother had passed away. Rather than acknowledging this information and guiding us through an appropriate process, the underwriter claimed - based on her own " research '' - that she did not believe my brother was deceased and accused me of fabricating his death. She demanded my family provide his death certificate and other documentation to prove the validity of our claim. 

This demand was not only invasive and inappropriate- it was cruelly timed, given the recent nature of my brother 's death. It also demonstrates a disturbing lack of character, judgement, and professional integrity inconsistent with the ethical standards required of XXXX XXXX 's under the XXXX XXXX. 

Further, the underwriter failed to act with honesty and reasonable diligence, ignored basic privacy consideration by making unnecessary and insensitive document requests, misused her position to make unfounded personal accsations rther than rely on objective procedures and credit reporting protocols, and created significant emotional distress for my family without a legal or professional basis. 

This situation has led to concerns that her behavior may delay or jeopardize the closing of our mortgage. I am especially worried that she may distot the nature of the credit issue or our responses in communications - an abuse of discretion that undermines the regulatory purpose of the XXXX XXXX. As a consumer, I rely on the ethical conduct of licensed mortgage professionals to ensure that hte mortgage process is handled with fairness, care, and accuracy. The XXXX XXXX exists to protect consumers from precisely this kind of misconduct.

Company response to consumer: Closed with explanation