vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
From NewRez : " Lender Placed XXXX was placed on the loan and a payment was made from the escrow account on XX/XX/year>, in the amount of {$7900.00} due to the lapse. '' This cuts to the XXXX of the issue. NewRez is claiming I let my condo insurance lapse. This is false. I never had it. It was not a requirement of my mortgage. NewRez has bought my mortgage XXXX or XXXX or XXXX hand. They have decided to no longer honor the terms of the mortgage, because they are now requiring further insurance that was not part of the original agreement. So when does NewRez get to just rip up the old mortgage? When are they no longer bound to what I agreed to with the original lender? They have decided that that is not good enough and now want extra insurance. Either through incompetence or malice, they are taking the position that I let it lapse. Their solution is to hit me with a punitive XXXX market value retroactive insurance policy. This must be some kind of policy! I wouldn't know, they've never shown me what I'm supposed to be buying for 800 % fair value. Had NewRez responded in a timely manner when I submitted my insurance in XXXX, I could have paid it off and spared myself the aggravation of ever having to deal with them. Instead, they ignored it, and all the follow up I made. The first time I got a response was in XXXX, and only after filing a complaint here. Unfortunately the response was deceptive, since they still claim I let insurance lapse - again, the insurance that was never part of my original mortgage.

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 2025-05-14 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: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX 2025

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally request an urgent review and resolution of a fraud claim that was unfairly denied by Wells Fargo, leaving my account in a negative balance and putting me in XXXX XXXX 

On XX/XX/year>, I was scammed out of {$1700.00} after attempting to purchase an item from an online boutique promoted by an XXXX XXXX After entering my Wells Fargo card information, my account was compromised, and a series of unauthorized transactions totaling {$1700.00} were processed. 

I immediately reported the fraud, filed a police report, and contacted Wells Fargo. I followed all advised protocols, including closing my compromised account and requesting a new card. Initially, a provisional credit of {$1200.00} was issued. However, my claim was later denied without explanation, and the provisional credit was removed, leaving my account at {$630.00}. 

Adding to my concern, the claim file falsely states that I said, I dont remember making the purchase. This is completely inaccurate at no point did I make such a statement. This misrepresentation directly affected the outcome of my case and resulted in a deeply unjust denial. 

I have been a loyal Wells Fargo customer for over XXXX years, and I have never filed a dispute or been involved in any fraudulent activity. I am a working mother with children, and this situation has pushed me toward XXXX and extreme financial XXXX. I believe my case has been handled with bias and disregard, and I fear that factors such as my income level and race have contributed to how my case was dismissed.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I tried to contact Bank of America small business unit to see why the froze my account. XXXX XXXX XXXX ) I keep getting the run around and after 3 transfer was hung up on. I Have no idea why my business account went to a fraud dept, I saw no suspicious activity. My account has been on hold for since XX/XX/XXXX. No letter no correspondence nothing. As far as I can see all transactions going in has been from me. They are sending tenants rent payments back, b bills being rejected, no money can go in or out this looks really bad for my business and I don't appreciate it. I have been with this bank for over 10yrs its causing me a big problem.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
A First Advantage Consurer Report was doing social Security Verification check ( XXXX ). 

Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX is my last employer 's addres and not a Residence Address. Was my employer from XX/XX/XXXX to XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX is my employer address from XX/XX/XXXX to XX/XX/XXXX and not a former address Address 'Former Address XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX was my oldest son 's home address. He moved to XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. 

I've never 'resided ' at these addresses. 

I've never lived or worked at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I do not know how that appeared in my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A collection account from LVNV Funding LLC for {$960.00} is reporting on my credit file. I never received proper notice of this debt and have not been provided any original signed contract or itemized billing statement. My previous dispute with the credit bureau resulted in a generic verification with no evidence. Under the FDCPA and FCRA, this account must be verified with complete documentation or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

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 2025-05-14 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
The data contained herein of late payments is inaccurate and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: AR

Complaint narrative:
This company originally took a debt in XXXX  from hospital bills. I was barely able to work part time hours and had already lost assets. Credit Bureau Systems in XXXX, KY has been extremely unprofessional the entire time Ive dealt with them. XXXX XXXX, my representative, has a terrible attitude. This company refused to work out a lower payment with me, forcing me to file bankruptcy. Once again, I sold assets to keep afloat. My bankruptcy is now paid off and suddenly I have a {$9000.00} bill from these people. I was on my death bed again in XXXX, and didnt get back to work full time until a couple of weeks ago. They refuse to work with me to lower payments to what I can afford. They have threatened a lawyer to garnish my wages. My life is already in shambles from being deathly ill, and this company will not assist in making this any easier.

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 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I keep getting repeated calls from different numbers throughout the day on everyday of the week. I also feel that they are using a scare tactic by asking me to have my attorney contact them before the day end on my voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payment ( XXXX ) being reported on my credit report for the account ending in XXXX. I have disputed this with both the credit bureaus and the original creditor. However, the late payments remain without proper verification. 

I am requesting that the creditor and credit bureaus provide specific documentationsuch as account statements and transaction recordsthat prove these payments were actually late. To date, no such evidence has been provided.

Under 15 U.S. Code 1681s-2 ( a ), furnishers are required to report accurate information. Under 1681i, the credit bureaus must conduct a reasonable investigation. If verification can not be provided, the account should be updated to Paid as Agreed Never Late as required by law. 

Please investigate and enforce compliance. This unresolved issue is harming my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I received a call from someone who identified himself as being from " EQUIFAX. '' He said someone was from Florida was using my social security number to apply for a credit card. He then transferred me to someone from the " Consumer Protection Bureau. '' This person seemed to have a copy of my credit report. He was able to give me true information about all my loans and credit cards, the banks they came from and how much I owed. He asked me to verify the credit card number from XXXX of my cards. He had all the correct number digits, except the last XXXX. I refused to give him those. 

I was called from XXXX numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. He said I should call him back at : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: TN

Complaint narrative:
Recently I reported to the company, XXXX XXXX XXXX XXXX XXXX ( fifsg.com ), that they had posted incorrect information to the credit bureaus, regarding my account. When they reported this incorrect information, it caused a XXXX drop in my credit score, with all XXXX credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX 

When I contacted the company, they took no action to rectify the situation. Therefore, I submitted a complaint through this office. After receiving the complaint from XXXX, XXXX contacted me and told me they were having problems with their computer system, which had inadvertently sent the wrong data to the credit bureaus, and that the problem would be corrected immediately, with the correct information being sent to the credit bureaus. This action, on their part, was done within XXXX hours and my credit scores saw a XXXX increase. 

On Tuesday, XX/XX/year>, I received a text notification from XXXX XXXX that my credit scores had recently changed. When reviewing the changes I discovered that XXXX had once again submitted incorrect information, stating my account was past due, when it is not. ( The next payment due on my account is XX/XX/year>. ) This action once again reduced my credit scores by XXXX points. And once again, the company is not responding to my inquiries about my account, and the incorrect information submitted to the credit bureaus.

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 2025-05-14 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: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXE XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I was undergoing active XXXX XXXX  when I asked my mortgage servicer for help and to skip XXXX  payment. They placed me into forbearance, but never gave clear details about what would happen when it ended. When I asked how to resume payments around XX/XX/2025, they suddenly reinstated payment access but demanded over {$10000.00} immediately a sum I couldnt pay all at once. 
I never received a structured repayment plan or breakdown of options. Instead, I was told I had a " single point of contact '' who never responded to calls or messages. Foreclosure was initiated shortly after. 
I was later told I had been " approved '' for a loan modification I never applied for, but I would need to make trial payments before they would even show me the terms. This felt manipulative, and I didnt feel safe agreeing to unknown terms while in XXXX XXXX  and under severe financial and emotional stress. 
I believe this handling violates federal mortgage servicing rules, especially around forbearance exits, borrower communication, and loss mitigation. XXXX asking for legal assistance to stop the foreclosure and pursue 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 2025-05-14 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I paid off my mortgage loan with Fay Servicing on XXXX, and it has been over 14 but they have not yet completed the county recording or released the lien .

I called customer service multiple times. One representative said they would take 30 days or 60 days to record, which is unusually long and is delaying the sale of my home. When I asked for the supervisor 's name, the call was disconnected. I am the legal owner and trying to sell the property, but the lien still shows on record, preventing proper closing.

I am requesting that Fay Servicing expedite the recording process or at least provide a lien release document or other legally recognized proof of payoff that I can use during escrow.

This delay is costing me financially and interfering with the property sale. Please help resolve this issue.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am attaching a FTC report containing 5 fraudulent accounts as well as fraudulent inquiries. I saw online that I could get some relief from being a victim of identity theft by filing these accounts to be honored under FCRA 605b blocked and 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 explanation