vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: First Southwestern Financial Services, LLC
State: FL

Complaint narrative:
Our Home was purchase XX/XX/XXXX with XXXX mortgages XXXX XXXX  and First Southwestern First. Southwestern Financial .. XXXX  months later XXXX bank  crash .. We waited for new lender during this time we were told by second mortgage we don't have to pay until we get Loan Modification... However when we got a loan modification through XXXX  XXXX XXXX in XX/XX/XXXX we thought they were both restructure together since XXXX approve us at {$550.00} a month and XXXX  {$870.00} we thought makes no sense not to choose XXXX  since both will be paid.. The XXXX modifiers told us we didn't have worry about the XXXX it was done deal .. XXXX  years later we discover The second was never paid its a XXXX  year balloon note from $ XXXX and now they are asking for unfair amount of funding {$140000.00} after XXXX years no communication, no payment plans, no emails, no text and no conversation. 
FIRST SOUTHWESTERN FINANCIAL has files documents stating they have reach and notified all leiun holders since filing Foreclosure in XX/XX/XXXX.. They have fell to notify primary lien holder renders these proceedings defective. we want Foreclosure be halted or voided until statuary requirements are met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$420.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-17 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: OK

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

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 2025-11-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act. 

INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
I looked over my credit report and found a collection from Credit Management Company for XXXX XXXX XXXX XXXX. I have never received anything from this company that explains why they have my information or why they are reporting an account under my name. I do not recall ever dealing with them and no one ever notified me that my personal details would be sent to a separate agency. I did not agree to any third party accessing my information and I did not sign anything that gives them permission to handle or collect anything tied to me. This feels completely unauthorized because the account appeared on my report without any communication or confirmation from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC, via Resurgent Capital Services, is re-reporting a debt originally associated with XXXX XXXX XXXX XXXX. This account was previously disputed and reported as identity theft to : FTC on XX/XX/XXXX ID Theft Report # XXXX, CFPB in XXXX of XXXX under complaint # 's XXXX, XXXX, and XXXX, and with all three credit bureaus. Although initially validating, the original creditor, XXXX XXXX XXXX XXXX, removed the account from all of my credit reports in XXXX XXXX after my identity theft dispute, FTC filing , and CFPB complaint. This means the original creditor ceased certifying the accounts accuracy under FCRA 623. Despite the original creditor deleting the account, LVNV Funding LLC c/o Resurgent Capital Services re-reported the account months later, in XX/XX/XXXX, without certification and with a false Date Opened of XX/XX/XXXX a future date. This violates FCRA 611 ( a ) ( 5 ) ( B ) ( reinsertion rules ), FCRA 623 ( a ) ( 1 ) - ( 3 ) ( accuracy + certification ), FDCPA 812 ( post-fraud collection ), and FCRA 605B ( failure to block fraud ). Because XXXX XXXX deleted the account, LVNV Funding can not legally re-report or collect on it. Despite this, by LVNV Funding also reporting a future Date Opened : XX/XX/XXXX, they are re-aging the debt ( illegal under FCRA 605 ( c ) ), attempting post-fraud collection ( FDCPA 812 ), ignoring prior identity theft reports ( FCRA 605B ), and attempting to collect a debt the original creditor no longer furnishes. This is a repeat violation, and LVNV is attempting to collect on a fraud-flagged account that XXXX XXXX XXXX removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Shellpoint Mortgage/Newrez has refused to correct a payment misapplication and the resulting incorrect late fees and credit reporting for my mortgage account for over a year. 

I have completed the following outreach : - Sent dozens contact messages via my portal with no response or response without answer - Twice mailed documentation and dispute letters to the Notice XXXX XXXX XXXX XXXX XXXX XXXX, SC. The first packet I sent was responded to around XXXX months later with a copy of my mortgage agreement and no specific answer to my question. 
- Called and/or spoke to representatives dozens of times, each with varying responses on how to resolve this issue. Had conversations with XXXX supervisors to resolve, most recently was advised to send a letter to the Notice XXXX XXXX department with the below language. 

On XX/XX/XXXX, I made a payment of {$900.00}. This payment was intended for my September 2024 monthly mortgage obligation and was made well within the grace period. However, your system incorrectly applied this payment as a " principal-only '' payment instead of applying it to the September 2024 monthly amount due. 

This error has caused a cascading series of problems : XXXX XXXX XXXX : Because the {$900.00} payment was not credited to my XXXX obligation, I was incorrectly charged a late fee for that month. 

XXXX XXXX : This initial error has set all subsequent payments back by XXXX month. Payments intended for XXXX, XXXX, and XXXX have likely been misapplied, creating a false delinquency. 

Inaccurate Credit Reporting : As a result of the misapplied payments, your company has very likely reported late payments to the national credit bureaus ( Equifax, Experian, and TransUnion ) for the months following XX/XX/XXXX, which is damaging my credit history and score. 

This situation is due to an internal error in how my payment was processed. The payment was made on time within my grace period and should have been applied correctly. 
Therefore, I respectfully request that you take the following actions immediately : - Remove the XXXX XXXX : Remove the late fee assessed for XX/XX/XXXX, as the payment was made within the grace period. 
- Correct Payment Application : Re-post all payments starting with the XX/XX/XXXX, payment of {$900.00} correctly, applying them to the appropriate monthly billing cycle they were intended for ( e.g., the XX/XX/XXXX payment to XX/XX/XXXX, and so on ). 
- Correct Credit Reporting : Remove any and all late payment notations that have been reported to the credit bureaus as a result of this error for the months of XX/XX/XXXX and all subsequent months. I request that you issue immediate corrections to Equifax, Experian, and TransUnion to reflect my account as " XXXX '' and " Paid as Agreed '' for all affected periods.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my TransUnion credit report. The accounts listed below are inaccurate, and I request that they be investigated and corrected accordingly. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Discrepancy : The account is incorrectly reported as charged off and I request verification of the debt. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Discrepancy : The account is incorrectly reported as charged off and I request verification of the debt. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Discrepancy : The account is incorrectly reported as charged off and I request verification of the debt. 

Inquiries : XXXX  Date : XX/XX/XXXX Discrepancy : Please verify the accuracy of this inquiry. 

Late Payments : XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history. 

XXXX Account XXXX : XXXX Discrepancy : Late payments are incorrectly reported. Please verify the payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

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 2025-11-17 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase Bank refuses to honor its written " XXXX liability protection '' policy and conduct a good faith investigation into fraudulent unauthorized transactions on my Chase checking account ( ending XXXX ) on XXXX XXXX XXXX. On XX/XX/XXXX, I called Chase 's fraud department to report someone hacked into my mobile phone and applications for my Chase checking account, Chase Freedom credit card, XXXX XXXX XXXX XXXX XXXX. An individual using the name " XXXX XXXX XXXX '' added herself as an authorized user on my accounts, obtained new physical cards in her name for some accounts, linked my accounts to XXXX, XXXX, XXXX and XXXX accounts that charged transactions and purchases to me and setup recurring monthly utility charges for electric and tv cable accounts to my accounts. The Chase agent advised me " not to worry '' because under the bank 's XXXX liability fraud protection policies, customers are " never responsible '' for unauthorized transactions. Chase did credit me for XXXX XXXX transaction of {$200.00} under its policies. But, it refuses to do same for the remaining XXXX transactions of {$200.00}, {$350.00} and {$1000.00} that occurred on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, without any reasonable or good faith investigation, Chase inexplicably said these transactions were " authorized '' XXXX closed the matter. On XX/XX/XXXX, a fraud department supervisor refused to re-open its investigation and advised Chase will not consider the identical, related fraud that occurred at the XXXX other credit cards, even though XXXX 's fraud department advised they believe they have identified the criminals and plan to seek restitution from them. On XXXX, Chase improperly charged my account {$15.00} to replace my debit card which violated its internal fraud policies.

Company response to consumer: Closed with explanation