vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
I am reporting serious mortgage servicing errors. During a documented hardship, the servicer refused to accept my payments, reversed payments I attempted to make ( Reason 2 ), and told me I could not pay while my file was under review. This caused wrongful delinquency. I did not request a modification and was pressured into XXXX at a much higher rate. 

On XX/XX/year> I mailed a payment by certified mail. XXXX shows it was delivered and picked up on XX/XX/XXXX, but the servicer has not cashed or credited the check. My online portal still shows me delinquent, and late fees continue to accrue. 

I requested information and clarification about reversed payments, payoff quote discrepancies, escrow shortages, accounting history, partial claim handling, corporate advances, and why I was prevented from making payments. The company sent template responses that did not answer these issues. Their XX/XX/XXXX letter states no error occurred, but the problems remain unresolved. 

I uploaded a full packet with proof of delivery, payment history, bank records, and correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My TransUnion credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I was doing automatic payments for my student loan when I had a emergency and payments stopped it removed around XXXX points from my credit I contacted them and arranged my payments again and was removed from delinquent status for non payment and XXXX  to receive my previous credit points one missed payment shouldnt not equal over XXXX credit points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
XXXX I opened an account with huntington bank. Sunday I had my friend XXXX me {$450.00}. I used maybe {$110.00} of it. XXXX is an immediate transaction. so yesterday XXXX out of nowhere they tell me my account is closing & I would be receiving a check of {$380.00} in XXXX business days. I received a text & email stating my account was closed at XXXX & to call the bank. I called the bank 4 times today XXXX & the said they have no transaction of the XXXX & my account is overdrawn {$110.00}. I asked them multiple times what happened to the money & I haven't gotten an answer. 2 agents said they see the XXXX come in the other two said it was never there. I spoke to a supervisor & they said it was there. no one can tell me where the money is as on right now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 a consumer seeking to correct inaccuracies in my credit report. Please review the following accounts that I dispute, categorized by account type and separated by credit bureau. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$6000.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$230.00} Inquiries Experian ( EX ) : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I have identified discrepancies that need to be addressed to ensure the accuracy of my credit file. Below are the details of the disputed accounts, separated by each bureau. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$5400.00} Inquiries : XXXX XXXX XXXX  Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
They bought the XXXX affidavit and the court stating that I hadnt made a payment of XXXX which I have XX/XX/XXXX and I have other payments other payments I was approved for XXXX modifications and then got denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am disputing the late payments being reported on my XXXX XXXX / Celtic Bank account. These late payments are inaccurate, and I am requesting verification under FCRA 609 ( a ) and FCRA 611 ( a ).

To complete your reinvestigation, please have the furnisher provide : 1. Original billing statements showing when the payments were due 2. Timestamped records of when each payment was received 3. The internal system notes used to code the payment as late 4. Proof of when the delinquency was first reported to the bureau 5. All documentation showing proper notice of delinquency 6. A signed agreement showing my obligation for the specific dates marked late Under FCRA 611 ( a ) ( 1 ) ( A ), if the furnisher can not verify the late payments with original documentation, the information must be deleted. 
Under FCRA 607 ( b ), the bureau must ensure maximum possible accuracy.

Because this account is new and documentation is limited, I request removal of all late payments if the creditor can not provide proper verification. 
Sincerely, XXXX XXXX Last 4 SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AR

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
Creditor : Dept of Education/XXXX  Date of Issue : XX/XX/2017 Amount : {$5300.00} Creditor : Dept of EducationXXXX Date of Issue : XX/XX/2017 Amount : {$3300.00} According to FCRA 611 and 623 duties of all furnishers are to refrain from reporting information that is incomplete or unverifiable Also, Gramm-Leach-Billey Act Financial institutions must maintain integrity of consumer information, protect against unauthorized or inaccurate disclosures, ensure that reported information is valid complete and properly handled. 
The current reporting indicates a failure to maintain proper accuracy and internal controls over handling my personal financial data, in violation of these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-09 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts reported on my credit report. These items do not accurately reflect my credit history and I respectfully request that they be reviewed for correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have listed the accounts in dispute, separated by each credit bureau. 

CHARGED OFF 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 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 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 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
Openbank ( Santander ) blocked my account without notice on XXXX. When I spoke to the phone representative on XXXX, they didn't have any information and guessed that the block was because I was trying to transfer out funds that were transferred in from my own accounts. I need those funds to make a payment for my house closing and Openbank has held these funds hostage without offering me a way to get my account unblocked. Any request to clarify things with a fraud team was denied. 

It is clear that the bank is dishonestly holding money hostage. They are happy to pull money from my accounts, but refuse to let me use that money.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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