vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have had my mortgage with Mr. Cooper since XX/XX/XXXX when I purchased a home. In XXXX of XXXX it came time to renew hazard insurance but I got a letter in the mail saying payment was not received. I made calls to both Mr. Cooper and the insurance and came out they didnt have each others information to send payment so it got sorted out and they agreed they would be sending payment. Fast forward to XX/XX/XXXX I refinanced with a different servicer, but I get a call on XXXX XXXX from the insurance saying my policy was being cancelled due to non-payment. I called and asked them why they didnt send payment and they said they couldnt because I refinanced and my account was closed but all this was supposed to be done since XXXX. I looked through my escrow statement that they sent me on XXXX XXXX and it clearly shows they disbursed {$690.00} dollars in XX/XX/XXXX to hazard insurance. My question is where did this money go since it did not get sent to the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Manhattan Beach Venture, LLC
State: AL

Complaint narrative:
I don't have money to pay all these debts and I really need help I want me a trailer and my credit want go up cause of these debts

Company response to consumer: Untimely response
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
OnXX/XX/XXXX got an email saying I have a statement ready and can go online and pay. So I go on the app to look at my statement. It's says I have payment due of {$130.00} on XX/XX/XXXX. So I go ahead click on the pay now link to pay my bill. I put pay the amount of {$130.00} which is the minimum payment. I also put pay today which was the XXXX of XXXX for my payment. The payment did not come out of my bank until the XXXX. I get the same email again on XX/XX/XXXX saying statement is ready. Go on the app I have a minimum payment of {$280.00} due on XXXX the XXXX. Looked at my statement to see why my minimum went up and it says I missed a payment of {$130.00} and {$30.00} late fee. But on my statement you can see under payments and credits I have a electronic payment of {$130.00} made on XX/XX/XXXX so it was credited to my account on XXXX the XXXX. Called the credit card company on XX/XX/XXXX spent 3 hours and my problem wasn't solved. They kept telling me because I paid my bill on my opening statement date it was not posted on the right month. Even though its on the right month statement. So basically telling me I paid a day to early and I still need to pay the late payment and they will take off the late fee. But I still owe for XXXX payment. And that is all they can do for me is take off the late fee but I have to pay the late amount which I kept telling them there's not a late amount I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX 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

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXXe ( b ) and XXXX USC XXXXi, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account as reported. The aforementioned appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00}

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 2025-06-05 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: TX

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!

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the insufficient and negligent investigation conducted by Wells Fargo into the fraudulent credit card account opened in my name. 

The documentation provided by your investigation shows a credit card application submitted on XX/XX/XXXX using a Florida address. At that time, I was residing at XXXX XXXX XXXX, XXXX # XXXX, XXXX, TX XXXX XXXX with a valid lease agreement in my name at that address. The application clearly reflects information inconsistent with my identity and residence. 

Additionally, the application lists a Balance Transfer Account ending in XXXX, which I do not recognize and have never owned. I formally request full details regarding the owner of this account. 

The credit card statements show multiple purchases across XXXX XXXX and XXXX XXXX, Florida. All of these transactions occurred while I was a resident of Texas. 

The documentation also includes a Phone Payment listed as XXXX on page XXXX. Please identify the company that received this payment, as I have no knowledge of this transaction. 

Furthermore, the application you approved lacked critical identity verification details, including : -No drivers license number -No applicant email address -No deposit account number The only legitimate account I have ever held with Wells Fargo was a checking account opened in XXXX. This is the only account I could access via the Wells Fargo mobile app. If other accounts existed under my name, I would expect to see them there I did not, and was unaware of this fraudulent account until reviewing my credit report. 

Wells Fargo approved this application without properly verifying my identity or residency, and the investigation that followed failed to address multiple red flags and inconsistencies. Statements continued to be mailed to an unverified Florida address, without any confirmation that it was linked to me. 

My first written request for investigation was submitted several months ago, and I have yet to receive a complete or sufficient response. At this time, I am prepared to pursue further legal action if this matter is not immediately and properly resolved. 

Negligence occurred both in the approval process and in the subsequent investigation. I am requesting a thorough re-investigation, full disclosure of account holders connected to the fraudulent activity, and removal of this account from my name. Under federal law, I am entitled to all documentation used in your investigation. Continued failure to provide such documentation may be considered obstruction and negligence.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by TransUnion regarding the following accounts : XXXX with account number XXXX * * * * * * * * * *, XXXX  XXXX with account number XXXX * * * * * * ( reported twice ), and XXXX  XXXX with account number XXXX * *. Specifically, TransUnion is reporting " Current '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of each account be updated to reflect " Paid on time '' or " Current, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX  days of the date of this letter. Thank you for your attention to this matter.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and unfair late payment reporting by XXXX XXXX on my auto loan during the XXXX pandemic. 

XXXX XXXX has reported several payments as late, despite the fact that I sent and they received the payments on time. I have documented and submitted evidence, including : Tracking numbers confirming the payments were delivered to XXXX XXXX a full month before they reported them as received. 
Screenshots and records from my banks online bill pay system showing consistent, timely payments. 
Copies of communication and documentation I sent to XXXX XXXX years ago, addressing these discrepancies. 

In their response, XXXX XXXX claimed that their system records payment dates based on when they process the payment, not when they receive it. However, this is both unreasonable and misleading, especially during the XXXX pandemic when delays were widespread and flexibility was expected per XXXX XXXX guidance. 

Additionally, XXXX of the payments was incorrectly applied as a principal-only payment, without any such instruction or option selected on my end. This further caused a misrepresentation in my payment history. Their system did not specify that online bill pay payments could be misapplied this way. 

These actions have caused unjust harm to my credit report and reflect inaccurate reporting, which I have tried to resolve directly with XXXX XXXX for years without success. 

I respectfully request that the CFPB investigate this matter and assist in having the late payment entries corrected or removed from my credit report, as they are not accurate representations of my payment history and fail to account for the documentation Ive repeatedly provided. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by TransUnion regarding the following accounts : XXXX XXXX ( Account # XXXX * * * * ) and XXXX XXXX ( Account # XXXX * * * * ). Specifically, TransUnion is Paid account/was 30 days past due '' with a " XXXX delinquent '' status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for both accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of these accounts be updated to reflect " Paid on time '' or " Current, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter. 
Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least XXXX days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: INTERCONTINENTAL EXCHANGE, INC.
State: FL

Complaint narrative:
Between XXXX and XX/XX/XXXX, I discovered that my propertys title was burdened with an unresolved mortgage dating back to XXXX, which was not properly satisfied or disclosed. This mortgage was only belatedly recorded as satisfied in XXXX, almost 18 years later. Despite multiple inquiries, the mortgage servicer and title insurance company failed to address the issue or explain the delay. This has caused significant emotional distress and legal complications, including foreclosure attempts based on an inaccurate title history. 

I formally requested that the company investigate the title defects, resolve the outstanding issues, and provide full compensation for the damages and emotional distress caused. As of today, the company has failed to respond or provide any resolution. 

I am requesting an immediate investigation and appropriate action, including financial compensation for the damages suffered.

Company response to consumer: Closed with explanation