vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
COLLECTION MANAGEMENT CO Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1500.00} COLLECTION MANAGEMENT CO Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1300.00} Balance updated XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My concern here is I have had a Lender Placed Insurance on this property over XXXX years. The mortgage company paid the insurance company, and billed me monthly from my escrow account. On XX/XX/XXXX, the total monthly rate was {$53.00} for applicable Lender 's Placed covered interest. A claim was made during that coverage period, and the rate on XX/XX/XXXX, increased from {$53.00} monthly to {$64.00} monthly. There has been no additional claims since XXXX, nonetheless on XX/XX/XXXX, the monthly rate increased XXXX XXXX and XXXX percent ( 300.06 % ) from {$64.00} monthly to {$190.00} monthly. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
i am writting you under the law of 15 U.S.C 1681e { b } and also under the law 15 U.S.C 1681 s-2b and under 15 U.S.C 168Ii [ 7 } method of verification to dispute the inaccurate information that appears on my credit report maintain by Equifax as provided under the fair credit reporting [ FCRA ] 15 U.S.C & 1681i [ a ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: PA

Complaint narrative:
I was initially contacted by XXXX XXXX XXXX ( XXXX ), which later transferred all my records to Consumer Legal Group without any notification. They misled me into believing they could invalidate my debt, promising that within three years, all related collections would be removed from my credit report and no further creditor communication would occur. Despite paying them {$360.00} per month for three years, totaling nearly {$9000.00}, no results were achieved, and I am now in the process of bankruptcy. When I sought a refund or compensation, they tried to convince me to continue their services, and when I refused, a manager offered me bankruptcy services. They also asked me to remove my complaint from XXXX XXXX XXXX XXXX  which I refused. Moreover, they consistently harassed me with late fees, emails, and phone calls whenever I missed a payment, and only after I complained did they offer a credit, along with asking me to remove the complaint.

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 monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 ; I don't recognize these lenders or company and haven't contact then neither.

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 2025-07-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX my checking account was hacked and {$5000.00} was stolen. I saw it the next day the XXXX and reported it to my local TD Bank. They referred me to their fraud dept who said they'd investigate it. They said it was MY fault and would not help me. This money was sent to some guy named XXXX XXXX with a Texas phone number. I don't even know anyone in Texas. I have tried to talk to TD Bank again but they won't help me. I'm an XXXX XXXX XXXX 100 % XXXX XXXX XXXX Veteran living on XXXX XXXX XXXX. I can not believe that my Bank of 20 years or more will not help me since I was hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
type debt is debt buyer/collector, I am unaware of this collection. I was never contacted by Credence Resource Mana, there was not a forward flow agreement, chain of assignment, purchase agreement, my signature agreeing to pay, nor insurance claim of debt. This is reporting open on my credit in the amount of {$890.00}. I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I purchased a house and financed it through a company called XXXX ( XXXX XXXX XXXX, XXXX XXXX ). I paid the first mortgage payment to them on XX/XX/year>, an amount of {$1500.00}. On XX/XX/XXXX the loan was transferred to Rushmore Servicing ( www.rushmoreservicing.com ). However the first payment was not included in the transfer and they were asking me to pay the month of XXXX again, which I did, hoping we could resolve the issue at a later time. After many hours lost, and messages, 3 way phone calls ( we had Rushmore and XXXX on the phone ) they still haven't resolved the issue, 2 months now. XXXX has given me a statement that shows they received the payment, but I can't get proof that they sent the money to Rushmore, who claims they didn't receive anything.

Please help me get my money back, or get the money to Rushmore from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Upon reviewing my credit reports, I noticed late payments from Capital One Bank are not consistent across all three report bureaus. I have maintained on-time payments and do not have documentation showing that these inconsistent late payments are legitimate. 

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence and explanation of the inconsistencies, I am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank denied all of my fraudulent claims thoroughly each and every single transaction. Denied! A few months pass and I recieve a check from the bank stating that I was owed money but they denied all of my funds and closed my claims case leaving me a payout of XXXX out of the {$18000.00} payed out to a debit card that I never verified my identity through. So there were funds found from where cause I spent hours on the phone listening to them tell me every transaction made with the card that they still won't accept they didn't uphold there end of securing my financial pay ments to date i demand receipts and I will not give up what is obligated that they pay me for what they owe my social security funds

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 2025-07-27 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts hindering my ability to obtain credit. They have been reinstated without my consent or notification after being removed and deleted FOUR TIMES. This is an ONGOING act of AGGRAVATED IDENTITY THEFT. PLEASE REFER TO THE ATTACHED DOCUMENTS.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I was trying to pay my landlord rent of {$500.00} by using Chimes pay option by putting in his phone number when I pressed pay his daughters name popped up for some reason and the money transfered to wrong account we contacted her and she says that she never had a chime account and didn't know how to access the money. I contacted Chime to dispute the charge to get the {$500.00} back but was denied. A few days later his daughter even called Chime to tell them that she wanted the account in her name to be closed as she believed it was made fraudulently. I again made another dispute but again was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] Source Receivables Management RE : Cease and Desist for Account XXXX XXXXXXXX To Whom It May Concern : I am writing in regard to the account listed above, which you have contacted me about and/or are attempting to collect on. This letter is a formal demand that you cease and desist all contact with me and any third parties regarding this account, effective immediately.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request in writing that you stop all further communication. Be advised that any attempt to contact me after receipt of this letter, except for the specific purposes allowed under the FDCPA ( such as informing me of any specific legal actions you intend to take ), will be considered a violation of federal law.

If you believe I owe this debt, I request that you provide full validation and documentation supporting your claim in writing. Otherwise, I expect no further contact from you, your agency, or any affiliates.

This letter also serves as notice that you are prohibited from reporting this account on my credit file without proper verification, and any attempt to do so may result in legal action.

Thank you for your immediate attention to this matter. I suggest you keep this letter on file and govern yourselves accordingly. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have contacted the institution multiple times about the account not allowing additional payments.Initially when I contacted them on the phone in XXXX, they said that an outstanding fee was keeping the account from receiving additional payments. I asked why there was an outstanding fee when my account had automatic payments drafted from my credit Union. They could not give me an answer, but said that someone would look into it, but it would take a few months. Last message I left was on XX/XX/XXXX, in which they stated they would get back with me. They never responded. Interest rate still increases even though I have never been late or missed a payments.

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 2025-07-28 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX  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 a personal credit card account opened XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern at the CFPB, I am filing this complaint to request a formal investigation into the excessive number of hard credit inquiries placed on my credit reportsparticularly with TransUnionon or around XXXX, XXXX. Up until XX/XX/XXXX These inquiries stem from a single attempt to obtain auto financing through a dealership. 

When reviewing my TransUnion report, I discovered over 95 hard inquiries from dozens of different auto lenders, many duplicated on the exact same day. I did not knowingly authorize this level of inquiry activity. I only applied for financing once and did not give informed consent for each individual lender to access my credit report. 

I contacted all three credit bureausTransUnion, Experian, and Equifaxby phone to dispute these inquiries. My disputes were denied, and I was not given the opportunity to submit documentation or an explanation in writing. There was no clear investigation conducted. 

I also contacted the dealership directly. They claimed I had given authorization, but I only intended to submit one credit application. I was never informed that my personal information would be distributed to dozens of lenders simultaneously. 

Due to the overwhelming number of inquiries and the bureaus refusal to investigate, I took the step of freezing my TransUnion credit file after the dispute in an attempt to prevent further damage. 

This level of inquiry activity, performed without clear authorization, violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB investigate this situation and compel the credit bureaus to remove these excessive and improperly authorized inquiries from my reports. Lender Name Number of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter and your efforts to protect consumers from unfair credit reporting practices. 

Sincerely, XXXX XXXX Duplicate Inquiries by Lender ( All Dated Around XX/XX/XXXX ) : through out

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