vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
'll start with this question : Can more than XXXX mortgage servicer be assigned to a loan at a closing on a house? On XX/XX/year> I attended the closing on my home. I was so excited and really didn't know what to expect. Long story short, I remember signing and initialing all these forms and documents with very little understanding of what was happening. though I was rushed in and out, I was told that I would receive copies of all the documents in the mail. Weeks later, I did. It took time to read through everything, and I still had questions. the point of all this is, years later I discovered that the mortgage servicer I started with was not the same one to date. I started with XXXX XXXX XXXX  at my closing, but Carrington Mortgage Services , LLC is the company who stepped in at some point, whom I had never received written notification until last year ( XXXX ). XXXXXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX have somehow teamed up together to try to take my home from and sell it. Carrington Mortgage Services , LLC is a registered collection agency with the state of XXXX XXXX and I never signed a contract with them to do business. I have attached some documents and if I need to send additional information, please let me know

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 — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to contact Mohela multiple times a week since early summer 2025. 
I can not get a hold a person on the phone. When I try to access with personal info SS number, birthdate and other ways if verification Mohela system says they can not find me in their system. 
I am unable to access my online account apart from one that shows I have a loan that is closed. 
Mohela is facing class action lawsuits due to these issues and more from thousands of people.

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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered several inaccurate name variations listed under my profile. On XX/XX/year>, I contacted Experian by phone to dispute these errors, but no correction has been made. Therefore, I am submitting this formal written dispute under the Fair Credit Reporting Act ( 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
Dear Synchrony Bank / XXXX XXXX, I am disputing the accuracy of the aattached-referenced revolving account. According to my credit report, this account is reporting a XXXX day late payment in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 status incorrect
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, we originated a mortgage loan with CrossCountry Mortgage, LLC ( Loan # XXXX ). The loan was secured by a Deed of Trust recorded XX/XX/XXXX ( XXXX XXXX File No. XXXX ). 

* * * XX/XX/XXXX * * : CrossCountry Mortgage issued a Notice of Servicing Transfer to XXXX Mortgage XXXX XXXX ( Loan # XXXX ). 
* * * XX/XX/XXXX * * : The loan was sold into the XXXX XXXX XXXX Certificates, Series 5099 Trust. Despite this transfer, CrossCountry continued to act as though it retained ownership. 
* * * XX/XX/XXXX * * : Another Notice of Servicing Transfer was issued, stating that servicing was being transferred back to CrossCountry Mortgage, LLC ( Loan # XXXX ). This notice was mailed too close to the XX/XX/XXXX payment due date, violating * * 12 U.S.C. 2605 ( b ) * * ( RESPA 15-day advance notice rule ). 

Despite the loan having been sold into XXXX XXXX  XXXX in XXXX, on * * XX/XX/XXXX * *, XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ) executed a * * Corporate Assignment of Deed of Trust * * back to CrossCountry Mortgage, recorded XX/XX/XXXX ( XXXX XXXX File No. XXXX ). This assignment was fraudulent, as neither XXXX nor CrossCountry had any beneficial interest at that time. 

CrossCountry has since used this fraudulent assignment in a foreclosure lawsuit ( XXXX XXXX XXXX XXXX, Case No. XXXX ), even though they lack standing. At the same time, CrossCountry has reported derogatory tradelines to all three credit bureaus, damaging our credit profile. 

We have incurred significant costs defending against these actions and believe CrossCountry Mortgage, LLC and its agents have committed * * violations of RESPA, FCRA, Washington law ( RCW 40.16.030, RCW 19.86.020 ), and federal fraud statutes * *. 

We request that the CFPB investigate : 1. CrossCountrys repeated misrepresentations of creditor status after divestiture.

2. RESPA violations in failure to provide timely servicing transfer notices.

3. False and damaging credit reporting despite lack of standing to collect.

4. MERSs unlawful assignment supporting foreclosure without authority.

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 — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES has violated my rights and broke the law, vis a vis the Fair Credit Reporting Act and 15 USC 1681, by reporting unverified information to the Credit Bureau These violations have caused me a tremendous amount of stress and hardship, I would like your involvement to assist me in receiving remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

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 XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Date : XXXX XX/XX/year> I am submitting this follow-up to my original complaint filed on XX/XX/year>, regarding XXXX XXXX XXXX XXXX XXXX ). 
XXXX XXXX XXXX stated that my complaint did not identify the account in question. However, XXXX is currently appearing on my TransUnion credit report and XXXX  as a negative account, and this inaccurate reporting has significantly impacted my ability to secure credit and purchase a home. 
Despite my prior requests, XXXX has failed to : Provide a proper validation of debt under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C.

1692g ).

Respond to my CFPB complaint in a timely and complete manner.

Correct or remove inaccurate reporting. 
I respectfully request that the CFPB take enforcement action to ensure XXXX  either : 1. Provides full validation of the alleged account ( including assignment, payment history, and original agreement ), OR 2. Deletes the account from my credit reports with all three bureaus ( TransUnion, XXXX, XXXX  ). 
Since XXXX has failed to meet their legal obligations, the only fair resolution is immediate deletion. 
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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On XX/XX/year> I received a letter in the mail stating that I owed a past due amount to XXXX When porting phone numbers from XXXX to XXXX one of the phone companies made an error whereby one digit was off in one of the plan members phone number. As a result, duplicate charges were issued ( by both XXXX and XXXX ) for the same month of XXXX to XXXX. The issue was caught and XXXX assisted to resolve the issue by correcting the phone number. XXXX rep also concurred via phone that the issue was resolved and the account has been closed and cleared on all balances. 

Months later, I received the attached letter stating that I owe {$150.00} for past due charges. In the letter, it states " THIS IS YOUR FINAL NOTICE '' before being sent to collections. This came a surprise and the previous XXXX agent supposedly resolved it. The bill states that due date is XX/XX/year>. 

Upon calling XXXX, they are unable to explain what happened and changing course and now stating that additional money is due. Despite receiving this final notice, XXXX is willing to collect payment but UNABLE TO ISSUE RECEIPT OF PAYMENT since they have already sent to collections, per phone conversation with XXXX rep at XXXX on XX/XX/year> outgoing call to XXXX lasting XXXX XXXX  XXXX. 

Under the law of FDCPA when XXXX sells or transfers debt to collection agency, they are required to notify me IN WRITING before or at the time of transfer. Not only did I fail to receive a written letter, I received a letter from XXXX stating that I had a final notice and that payment to them was due by XX/XX/XXXX. 

XXXX acted unethically and prematurely by failing to provide proper notices and refused to offer an actual receipt for payment and remove from collections by the specified date on their own letter.

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: AL

Complaint narrative:
1. I need for you to send me the petition to verify this account. If you can not do that then this needs to be removed XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX  Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed multiple debts/accounts and requested verification, including proof of ownership ( chain of assignment ), proof of collection authority in my state, and a full itemized payment history. The bureau did not provide this information. 

Disputed accounts include : XXXX XXXX XXXX ( {$30000.00} ), XXXX ( reported XX/XX/year> ), XXXX of XXXX ( XX/XX/year> ), XXXX  ( XX/XX/year> ), XXXX Bank ( XX/XX/year> ), XXXX  XXXX ( {$140.00}, closed ), XXXX Bank ( {$800.00}, closed ), XXXX XXXX  ( {$1000.00} in collections ), and others. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the bureau must ensure accuracy and remove unverifiable or incorrect information. I am requesting immediate correction of my personal information and deletion of all accounts that can not be fully verified.

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:
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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
A company named XXXX has placed a false statement saying I owed XXXX when I did not due to a gas issue. Then I was yelled out and humiliated by an agent saying that my XXXX was a problem so I reached out to corporate & sent all of the documents and paperwork. I was then harassed by XXXX  app saying they will send me to collections. 
XX/XX/year> : XXXX XXXX XXXX XXXX IS CHARGING ME

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Do to the recent data breach that has occurred, I've found several discrepancies. I am demanding that the following accounts be deleted from my credit report. The accounts are as follows : XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. These inquiries should also be removed. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is in regards to my Synchrony XXXX XXXX and XXXX XXXX. XX/XX/year> I received a notification from Experian saying my synchrony credit card accounts were closed. I have Excellent credit, a high income and a high networth. I called synchrony bank on XX/XX/year> to inquire, and i was told my account was closed due to " HIGH RISK OF NOT PAYING THE ACCOUNT '' I have never been late on any synchrony credit account and I have always maintained my accounts with all Lenders in Excellent standing. I often use my Synchrony Premier XXXX and I would like that account to remain open so I can continue using it.

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