vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
I removed my escrow from my mortgage 2-3 years ago. I believe I petitioned XXXX, my previous provider to dissolve my escrow and they agreed. I pay my taxes and home insurance directly now. 

I switched home insurance providers in XXXX of XXXX. I emailed Freedom Mortgage on XX/XX/XXXX that I had new insurance and I sent them documentation. On XX/XX/XXXX they sent back a conformation that listed my new insurance provider. 

In mid XXXX to late XXXX I received a letter that my insurance had lapsed, and that freedom mortgage was going to - force place- insurance on my loan. I resubmitted my insurance and messaged them on XX/XX/XXXX. They responded with the attached XX/XX/XXXX letter. 

My current insurance with XXXX, that I updated with Freedom Mortgage on XX/XX/XXXX was paid in full, and has had no lapse. 

In XXXX, Freedom Mortgage computed an escrow analysis and in my view, created me a new escrow account. From that analysis, my payment and subsequent auto draft increased around {$160.00} each month. 

I have attached the escrow analysis and it says that I had a lapse in Homeowners insurance in XXXX. This is not correct. I would like the documents proving that I had a lapse. 

I did not consent to any additional auto draft. I did not approve Freedom Mortgage to automatically remove additional funds from my bank account. Nor did I consent or voluntary agree for an escrow to be created or for them to manage an escrow on my behalf. This seems deceptive. 

In a call with Freedom Mortgage in early XXXX, the representative said that she had fixed this and that it may take until XXXX 's statement for it to be removed. I called on XX/XX/XXXX to check on this as it had not happened. Yesterday, they told me that this was caused by a lapse in XXXX. I have attached my last bill from my previous insurance provider showing that my next payment was due on XX/XX/XXXX. I switched insurances on XXXX. The representative yesterday told me that she could not remove the escrow. 

I save each month for my home insurance and taxes with XXXXXXXX XXXXXXXX I have attached a documents to show that this is a long term recurring thing. I currently am getting 3.5 % on that savings account and with freedom mortgage currently withholding over {$400.00}, this is real money in interest that I have lost because of this. 

From my research of RESPA, an escrow can only be added after the fact if it is voluntary. 

In summary, Freedom Mortgage claims I lapsed my insurance in XXXX, they then preformed an escrow analysis on an escrow that was dissolved, and have taken money automatically out of my bank account for this escrow that I have never consented to.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I started with Lexington Law XXXX on 2010. I paid $ XXXX for over a year with no change to my credit. Credit did not improve at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report shows collection accounts that I believe include incorrect details. Under my rights granted by 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is entirely accurate. I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -- Balance {$0.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 1681i, my report must only include data that is accurate, complete, and verifiable. I am requesting that these entries be thoroughly reviewed and, if they can not be verified, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX at XXXX I received an email notification that an account at Huntington Bank was opened in my name. My credit is already frozen with the 3 major branches. I tried to reply to the email Huntington sent but was unable. They are currently closed so I can not address them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not associated with these accounts and request their removal within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 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 seven years.

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.

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 2025-09-18 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Starting about a year ago, a credit card named XXXX XXXX, now under Midland Credit Management, started taking me to court about a card that was opened under my name back in 2019. XXXX has already had me in court sessions 5 times. I am trying to resolve this matter, as none of the things brought to my attention involves me. This was not a card I opened, nor do I even know the actual company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: WI

Complaint narrative:
Id appreciate a quick review ; this entry was submitted late and may not be accurate.

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 2025-09-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 seven years.

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

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime had let someone make an account in my name and commit fraud under my name and stole employment money that was supposed to be done by me but was done by fraud I'm missing while over XXXX XXXX simply because back then chime let that happen I file fraud with the state of Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2025, I used my cashapp to send funds to someone. After entering the recipient name in, after sending {$1000.00} i learned that the recipient was not the correct person and was someone Ive never sent money to. I then contacted cashapp ( XXXX XXXX ) customer service to tell them to refund the money to my account and they said there was nothing they could do since the transaction was already completed. They suggested reaching out to the person that the money was sent to. I reached out to them and the also contacted cashapp customer service to get the refund. The account it was sent to hadnt been used in over 2 years. After verifying his information and proving the account was actually his, Cashapp customer service told him they see the money and have access to it but have no way of transferring the money between his account or his new account or even refunding the money to my account which makes no sense. As a bank, and having access to the funds in both accounts they should be able to authorize the refund or transfer with the account owners consent. Am I supposed to just accept the loss of {$1000.00} because a bank cant transfer funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this formal complaint and demand for enforcement action against Resurgent Capital Services and LNLV Funding LLC for knowingly and willfully reporting fraudulent accounts in my name to the credit bureaus and attempting to collect on debts that do not belong to me. 

The accounts they are reporting are the result of identity theft. I have never applied for, opened, authorized, or consented to any account with Resurgent Capital Services, LNLV Funding, or their affiliates. Despite multiple disputes I have filed directly with these companies and the credit reporting agencies, the fraudulent trade lines remain on my credit reports. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached a copy of my Identity Theft Report for your records, which clearly documents that I am a victim of identity theft and that these accounts were opened without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Had agreement with company if I paid off credit card they would delete from my credit report and they refused to do so after the fact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I spoke with a Nelnet representative named XXXX via phone ( approximately XXXX XXXX XXXX ). During the recorded conversation, I clearly requested that Nelnet cease all electronic communication, including email and phone calls, and only communicate via physical mail going forward. XXXX acknowledged and confirmed this request, stating that my account would be updated accordingly and that all future correspondence would be mailed to my address. 

Despite this, on XX/XX/2025, I received an email from Nelnet threatening wage garnishment and default. This email communication violates my explicit communication preference, which was acknowledged by Nelnet staff. The email was both unsolicited and intimidating, sent after I lawfully revoked consent to receive such electronic messages. 

This conduct is deceptive and harassing. Nelnets failure to respect consumer communication rights under federal law violates the Fair Debt Collection Practices Act ( FDCPA ) and raises serious consumer protection concerns. 

Failure to Validate Debt ( Certified Accounting Demand ) In addition, on XX/XX/2025, I formally exercised my rights under UCC 9-210 by sending Nelnet a written demand for certified accounting of the alleged student loan debt. This request required Nelnet to respond within 14 days with full financial records audited under GAAP standards showing actual damages or loss. They failed to respond. Their ongoing attempts to collect, threaten, or report this alleged debt without ever providing certified accounting render the debt unsubstantiated and unenforceable under commercial law. 

Their actions violate my rights as a debtor and consumer. Sending intimidating emails demanding payment, after failing to validate the debt and ignoring a formal legal request, is both unlawful and deceptive. 

What would be a fair resolution to this issue? 

Immediately investigate Nelnets violation of my communication rights and their deceptive threat to garnish wages after promising to only contact me via mail. 

Compel Nelnet to comply with UCC 9-210 and provide full certified accounting of the alleged debt. 

Stop all collection activity, reporting, and threats until such legal proof is provided. 

If they can not produce certified accounting, remove this unsubstantiated debt and cease further communication or collection efforts. 

Take corrective action to prevent future abuse or harassment, and consider financial remedy for stress and hardship caused. 

Attachments I will upload with this complaint Legal Notice to Nelnet ( Certified Accounting Demand, mailed with tracking ) Proof of Delivery of that notice ( screenshots ) Screenshot of the XX/XX/2025 threatening email Phone Call Notes from the conversation with XXXX on XX/XX/2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I was reviewing my credit report and noticed some inquires that do not belong to me.

Company response to consumer: Closed with explanation