vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: SC

Complaint narrative:
Over the past month, I have submitted XXXX separate loan modification packets to my mortgage servicer. The first XXXX were denied for unclear or conflicting reasons. For example, I was told by one representative that the notarization was invalid because I didnt strike through a pre-filled state, while another representative later said that wasnt necessary suggesting the original document may have been valid after all.

The third and most recent packet was sent using the XXXX  overnight envelope provided by the company and was delivered on XX/XX/year>, at XXXX XXXX, according to XXXX tracking. However, I was later told by representatives that this packet was not received. I then uploaded the XXXX  proof of delivery into their system. 

A representative from the escalation team confirmed that she saw my uploaded receipt showing delivery, and agreed the documents should be there, but could not confirm whether they were being processed. I was later informed that my loan modification was closed out, despite my timely and complete submission.

Throughout this process, Ive received inconsistent information. At one point, I was told my modification was active and was advised to make the first payment under the modified terms which I did. I have followed every instruction, taken time off work to re-notarize and resubmit documents on short notice, and acted in full compliance and good faith.

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 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our house burned to the ground in the XXXX XXXX in XX/XX/2025. It's a Total Loss. When the Insurance Co. ( XXXX ) paid out our Stated Limits amount, ~ {$560000.00} for ouXXXX XXXX XXXX  Mortgage was delivered to the mortgage holder ( Wells Fargo ) to be held in a Restricted Escrow Account until we rebuild ( which we're going to do ). I have no issue with that. 

What I have issue with is why is Wells Fargo not paying a marketplace competitive interest rate of XXXX % on those Restricted Escrow Funds? I have other insurance proceeds ( i.e. personal property coverage payout ) in a Money Market account earning 4.1 %, and can get XXXX % from Wells Fargo itself via my Brokerage account with them, so why can't Wells Fargo get XXXX % on my money from Wells Fargo??? 

I have made multiple calls to Wells Fargo XXXX Mortgage XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, etc. ), and filed multiple formal complaints to Wells Fargo on this matter. Besides them telling me initially that the XXXX requires them to pay this amount ( which is not true ), and then that this was the regulatory maximum they could pay ( also not true ), and when I submitted another formal complaint giving them state statutes and legal court case precedents all saying the 2.0 % in CA is the Floor/Minimum, not a Ceiling/Maximum, so why can't they pay a competitive/market rate, after more Wells Fargo delays and stringing me along, they came back and basically said - We're just not going to do so. 

I know them paying 2.75 % is above the legally required Minimum of 2.0 %, and other banks are paying only 2.0 % ( so therefore I'm doing slightly better than other people are in this regard ), but ALL of us with Restricted Escrow Accounts ( WF customers or other Banks ) are very frustrated with us getting well below market interest on this money that the Banks are Already getting paid interest on ( via our ongoing Mortgage Payments ), so when we're all hurting we're not even getting a marketplace competitive interest rate on these restricted funds. 

I need help ( and many others as well ) in making this work in a better manner for us wildfire victims to get a much more competitive interest rate on these funds. How can you help us?

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 2025-06-02 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:
Ive recently received a copy of my credit report from and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I was contacted by a fraudulent number claiming to be my bank. The phone number matched. The individual said my account had been hacked and that they had to close the account out. He than instructed me to transfer the money to a separate account so he could open a new one. After I did he hung up and I received notification that my funds went to someones XXXX XXXX. The total loss is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management is reporting a false and damaging collection account for {$810.00}, allegedly purchased from XXXX XXXX XXXX ( branded as XXXX ). This account contains multiple factual inaccuracies, has been improperly verified, and has caused severe, measurable harm. 

Specific tradeline inaccuracies include : Amount : The {$810.00} balance is inflated and does not match final statements or prior reporting by XXXX. 
Date of Status/Transfer : Midland claims they acquired the debt in XX/XX/XXXX. However, XXXX continued reporting the account as open and active as of XX/XX/XXXX on my XXXX  report, causing an overlap and dual reporting of the same debt by two furnishers. 
Original Creditor : Midland does not identify XXXX anywhere in the tradeline, violating transparency requirements under the Fair Credit Reporting Act and XXXX XXXX formatting standards. 
Charge-off Reason & Reporting Codes : The entry lacks any explanation, narrative code, or legitimate reason for collection status. 
Open/Close Dates : These are inconsistent between Midland and the original creditor, creating ambiguity around account history and causing data suppression errors. 

I never received notice of any sale or transfer, and Midland has never validated the debt, produced assignment documentation, or shown any legal right to report or collect it. 

I disputed this account with XXXX XXXX, and XXXX. Each credit bureau returned a verified outcome despite receiving detailed supporting documentation proving the account was invalid and unverified. These reinvestigations were automated, inadequate, and in clear violation of FCRA 611 ( a ) and 623 ( b ). 

As a direct and proximate result of this false tradeline : I have been denied housing on multiple occasions due to failed credit checks. 
I was rejected for a vehicle loan despite a strong income and otherwise qualifying credit. 
I lost a conditional job offer after a background check revealed this false collection. 
Ive experienced worsened insurance rates and premium increases. 
I have endured emotional distress, XXXX, and disruption to my familys financial stability. 

This is not a routine errorit is systemic, willful misconduct and gross negligence. Midland is engaged in deceptive and unlawful furnishing. The credit bureaus are complicit in perpetuating false data by ignoring factual corrections. I believe this situation justifies regulatory enforcement and civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Law Offices of Les Zieve
State: CA

Complaint narrative:
Trustee conducted a what appears to be bogus sale on my property on XX/XX/year>. 

The property was sold for one penny over asking.

Trustee sale documents recoded immediately after sale None of the requested documents have been received so I may have reviewed by a professional in this field The trustee is continuing to violate my rights I am need of all documents requested that are lawful and or qualify under the Freedom of Information act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate personal information and unverified hard inquiries currently appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and 1681b, I request immediate investigation and deletion of the following items :

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate personal information and unverified hard inquiries currently appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and 1681b, I request immediate investigation and deletion of the following items :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: OH

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 they do not list Account numbers there are accounts. XXXX XXXX  XXXX account no acct number given again, XXXX XXXX XXXX again no mumber given all accounts have been disputed and are inaccurte violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> I contacted EXPERIAN to dispute a collections account that isn't mine. I requested an investigation and deletion per the laws of the FCRA. They never responded at all. I am requesting that this account be deleted.

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 2025-06-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> I contacted EXPERIAN to dispute a collections account that isn't mine. I requested an investigation and deletion per the laws of the FCRA. They never responded at all. I am requesting that this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute and Request for Method of Verification under FCRA 611 ( 15 U.S. Code 1681i ) Account Number : XXXX -- - To Whom It May Concern, I am writing to formally dispute the continued reporting of the above-referenced account and to demand a complete and verifiable method of verification under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ).

Despite multiple prior requests, I continue to receive form letters generated via the e-OSCAR system, which are not compliant with the statutory requirements outlined by the FCRA and do not constitute a proper or lawful reinvestigation. These responses fail to provide any physical documentation or transparent verification from the original creditor.

Under the FCRA, you are required to conduct a reasonable investigation, not a perfunctory electronic verification. I am hereby demanding that you conduct a physical reinvestigation of this account, as your current process using e-OSCAR alone fails to meet Metro 2 Compliance and does not satisfy the legal standards for accuracy or completeness.

I formally request the following information in compliance with the FCRA and Metro 2 standards : 1. The date of the physical investigation you allegedly conducted.

2. The full name and signature of the individual ( s ) with whom TransUnion and Equifax communicated directly and in person or via verifiable means.

3. A complete and itemized accounting of the debt from the original creditor.

4. Documented proof and the name and title of the person you verified this debt with, including their signature.

Your failure to provide this documentation is a violation of my rights under the FCRA. You are knowingly using stall tactics and failing to complete a proper investigation. If you do not comply within 15 days from the date of this letter, I will request that the Consumer Financial Protection Bureau ( CFPB ) intervene and take regulatory action. Furthermore, I will pursue deletion of the account based on your non-compliance with FCRA and Metro 2 guidelines.

I am also submitting a formal complaint with the CFPB alongside this dispute.

Forward written response to the above address by U.S Mail only Sincerely, 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 2025-06-02 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received a letter dated XX/XX/year>, for an application denial for the XXXX XXXX XXXX XXXX XXXX XXXX through Barclays ( Delaware XXXX. XXXX ). TransUnion completed the credit check. 

I did not apply for this credit card and would like to investigate this as fraud. My overall credit score decreased due to this incident.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt is being reported by XXXX XXXX of XXXX XXXX XXXX, but the XXXX XXXX XXXX lawyer informed that it was never assigned ( evidence attached below ) EXPERIAN & Transunion is missing the full payment history. A {$250.00} refund was misapplied as a charge, inflating the balance. XXXX XXXX stated the balance was {$400.00}, but the final bill showed {$320.00}. The City and their attorney repeatedly contradicted each other and failed to provide clarification on the clear errors in their billing statements. No one will return ANY emails, phone calls or answer any questions. My accountant confirmed the City actually owes me money. Evidence attached below!

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account referenced in my credit file, which I believe has been added as a result of fraudulent activity. I did not open this account, nor did I authorize anyone else to do so on my behalf. I believe my personal information may have been used without my knowledge or consent.

I first became aware of this account when reviewing my credit report and immediately took steps to investigate the matter. Since discovering this issue, I have reported the suspected fraud to the appropriate authorities, including a complaint with the FTC, and have initiated a fraud alert with the credit bureaus.

I respectfully request that this account not be reported against my credit history, as it does not reflect my financial behavior or responsibility. I am a victim of identity theft, and any negative marks associated with this fraudulent account would unfairly damage my creditworthiness. 

Please consider this statement as part of my formal dispute. I am prepared to provide any supporting documentation necessary to verify my identity and assist in resolving this issue. 

Thank you for your time and understanding in addressing this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Amount {$380.00} Date : XX/XX/year> who creditors if they report credit history inaccurately reason defamation financial injury law US court of appeals 9th circuit number XXXX XXXX versus XXXX XXXX fine extent of damages incurred by the wrong party as XXXX by the courts its XXXX XXXX in the account number and that is inaccurate or incomplete and its reporting on experian and XXXX  and XXXX  and arent the cfpb sueing experian and XXXX  for sham investigations just like this.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
im writing to file a formal complaint againt Portfolio Recovery Associates, a debt collection agency that has repeatedly violated my rights under the Fair Debt Collection Act and the Fair Credit Reporting Act, Despite my previous attempts to resolve or dispute the alleged debt, PRA has continued to engage in aggressive and harassing collection tactics, including repeated phone calls and written communications, often withou proper validation of the debt, Futhermore PRA has furnished inaccurate and misleading information to the credit reporting agencies which has negatively impacted my credit standing and caused me financial and emotional distress.The account # is ( XXXX ), these actions represent clear violations of my consumer rights.Specifically i allege the following ; 1 Failure to validate debt -PRA has failed to provide sufficient documentation proving the validity and ownership ofrthe alleged debt despite multiple requests.2 False Credit Reporting-PRA has reportedthis account to the credit bureaus with incorrect or unverifiable information.3 Continued Harassment- PRA has contacted me persistently after being instructed to cease communication until the debt is validated.I request the CFPB to initiate an investigation into PRA 's conduct.Im also requesting the removal of any inaccurate or unverified entries from my credit reports that are a result of PRA 's reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, American Express unexpectedly canceled all of my credit cards without providing a clear explanation. They have not allowed me to redeem my remaining or pending Membership Rewards points and have refused to refund the annual fees.

Company response to consumer: Closed with explanation