vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Escrow Inc
State: TX

Complaint narrative:
b'Problem Summary: I received a letter dated July 1, 2025 titled "Notice of Default and Intent to Accelerate That Certain Real Estate Lien," sent by my mortgage loan servicer. In this letter:\n1. I am required to pay for the months of June and July, although the July payment was not yet due, according to my Promissory Note, which establishes a grace period of five (5) days.\n2. I was charged $XXXX in late fees (5% according with the Note) and $XXXX in collection fees, with no detailed explanation or breakdown, which contradicts what was stated in the escrow letter ("up to $XXXX or more").\n3. The letter states that the lender is "XXXX XXXX XXXX XXXX", which is incorrect. My legal lender is VIP Mortgage I LLC, as stated in my contract. This error can legally invalidate the default notice.\n4. This is not the first time they have made mistakes. Previously on XXXX XXXX XXXX, they sent me (registered letter: XXXX XXXX XXXX XXXX XXXX XXXX Re: Notice of Default and Intent to Accelerate that cetain Real Estate Lien Note) charging the first full month before its due date which was XXXX XXXX XXXX, and later acknowledged that it was a mistake.\n5. I have also noticed that the previous owners of this same house (my daughters) were given more favorable conditions (4% late payment and 15 days grace period), while I am imposed 10% default and only 5 days. This could indicate unequal or discriminatory treatment, prohibited under the Equal Credit Opportunity Act (ECOA).\n\nHow this has affected me: This pattern of administrative errors, improper charges and threats of acceleration has affected my emotional stability, causing me stress and anxiety, at this time my doctor has recommended psychiatric assistance and also the fear of losing my home unjustly.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
It started with the transfer from XXXX to mr.cooper and was aware of the transfer till XX/XX/XXXX. I learn of the transfer after I realized reviewing my account that XXXX was sending back my deposit. I call XXXX  and they told me that they loan was transfer in XX/XX/XXXX. I call mr.cooper in XX/XX/XXXX why wasn't I notice from them of the transfer, their answer we sent letter to the proper address which is a rental property, until I know in XXXX I enter my mine primary address. Email adrees and my contact number which they did not have in their system. So if I would of had been notified in XXXX or XXXX this would never happen. 
They said it was tje other loan company not giving or transferring all the contact number. I did think it was far for me to pay all these penalties for something that they didn't take care which having the correct contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-07-21 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: NJ

Complaint narrative:
his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a victim of Identity Theft on XX/XX/year> where my phone number, email, and social security number were stolen. After months of repeatedly requesting the closure of my Freedom Credit Card it was finally closed on XX/XX/year>. Just when I thought everything was fine and finished, I received a billing statement for XXXX requesting a payment of {$130.00} for charges listed on the billing statement made on XX/XX/year>. I called Chase Customer Service for an explanation. My call was transferred five times to five departments without resolve. The final justification given by a Chase Fraud representative was the charges listed were a result of a Chase accounting error where I was awarded credits by Chase and a vendor. ( I destroyed my Chase card on XX/XX/year>, when I learned of the Identity Theft and have not used the card since before XX/XX/XXXX ). I asked the representative for a written explanation as the account was closed in XXXX with a XXXX balance. I was told Chase would not do that. 

The information listed above is just one example of Chase incompetence related to the closing of my Freedom Chase Card. In addition to the multiple phone calls to Chase I also sent a letter to Chase on XX/XX/year>, requesting action. Chase did not respond to my letter. On XXXX XXXX I sent a certified letter to XXXX XXXX requesting specific action on the part of Chase. I received no response. So now I am left to file a complaint with the Consumer Financial Protection Bureau and seeking a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: I.C. System, Inc.
State: CA

Complaint narrative:
I have several collections and charge offs listed on my credit profile that I have argued for years. They are result of identity theft. I filed multiple FTC reports and police reports with local police. And mailed disputes too XXXX, XXXX, and XXXX. These accounts were temporarily removed and the. Added back I repeated this three times in past 4 years. The final time I also mailed each of the 13 companies and called. However they refuse to validate debts or remove them. 
The accounts that are fraudulent are as listed. I do not have full account numbers and have never received any mail from any of them. Yet they destroy my credit score. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Balance {$1500.00} no account number listed. This is a fraudulent account. 
( XXXX ) I C System Balance {$560.00}. This is a balance from an account of XXXX that was a fraudulent account that was taken off by reporting agencies but just keeps being sold to new companies again and again. 
( XXXX ) XXXX XXXX XXXX XXXX {$390.00}. This collection has no account info or number or way to mail them. I have disputed it on XXXX  and XXXX  2 times. They dont validate or mail me but it stems back from same identity theft case. 
( XXXX ) XXXX  XXXX XXXX XXXX Balance {$2700.00} I have contacted them by phone several times and by mail, supplied police reports and ftc reports, however they fail to remove debt or validate it. This is a fraudulent account that I never consented to or wanted. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Balance : {$1900.00} This is another fraudulent account. I was unable to talk by phone as they cant confirm any account. I mailed in ftc and police reports with request to remove accounts 3x already by certified mail but never any response. I also havent received any mail from them ever. But I dont know what kind of account this is but it is not a valid debt and I never consented to or did business with this company. Fraudulent account ( XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$690.00} This company also wont talk by phone, but has rejected all mail. This is also a fraudulent account and not a valid debt. I have disputed several times and submitted all ftc reports and police reports several times.

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 2025-07-21 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I have several collections and charge offs listed on my credit profile that I have argued for years. They are result of identity theft. I filed multiple FTC reports and police reports with local police. And mailed disputes too XXXX, XXXX, and XXXX. These accounts were temporarily removed and the. Added back I repeated this three times in past 4 years. The final time I also mailed each of the 13 companies and called. However they refuse to validate debts or remove them. 
The accounts that are fraudulent are as listed. I do not have full account numbers and have never received any mail from any of them. Yet they destroy my credit score. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Balance {$1500.00} no account number listed. This is a fraudulent account. 
( XXXX ) XXXX XXXX XXXXXXXX Balance {$560.00}. This is a balance from an account of XXXX that was a fraudulent account that was taken off by reporting agencies but just keeps being sold to new companies again and again. 
( XXXX ) Source Recievables Management Balance {$390.00}. This collection has no account info or number or way to mail them. I have disputed it on transition and XXXX  2 times. They dont validate or mail me but it stems back from same identity theft case. 
( XXXX ) XXXX  XXXX XXXX XXXX Balance {$2700.00} I have contacted them by phone several times and by mail, supplied police reports and ftc reports, however they fail to remove debt or validate it. This is a fraudulent account that I never consented to or wanted. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Balance : {$1900.00} This is another fraudulent account. I was unable to talk by phone as they cant confirm any account. I mailed in ftc and police reports with request to remove accounts 3x already by certified mail but never any response. I also havent received any mail from them ever. But I dont know what kind of account this is but it is not a valid debt and I never consented to or did business with this company. Fraudulent account ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Balance : {$690.00} This company also wont talk by phone, but has rejected all mail. This is also a fraudulent account and not a valid debt. I have disputed several times and submitted all ftc reports and police reports several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XX/XX/year> LAW ISSUE : FCRA mandates all credit pulls be done with consumer consent or valid permissible purpose STORY : This inquiry was never approved or known to me, it is an unauthorized pull and should be deleted immediately I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-07-22 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: CORELOGIC INC
State: FL

Complaint narrative:
I have submitted a formal federal privacy complaint under the Gramm-Leach-Bliley Act and FCRA. This company is collecting and sharing my personal and financial data without my knowledge, consent, or legal authorization. I have attached a signed letter, my ID, and proof of address. I am demanding full deletion, revocation of authorization, and federal enforcement for violations under GLBA 6802 and 6803

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover credit card is calling twice a day for the last 2 weeks. I spoke with discover previously and made an agreement for pay off debt to which there was an auto payment set up and each month was paid timely. Although receiving timely and automatic payments. XXXX suddenly closed my account and said it was due to something they saw on my credit report. 

I removed my auto payments as a result of them closing my account. It was understood o it prior agreement was now terminated when they closed my account without warning. They have since been calling twice a day, including weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding LLC is reporting a newly opened collection account with a balance of {$450.00}, dated XX/XX/year>, and marked Placed for Collection. This account was reported only two months later, on XX/XX/year>, yet no prior notice of collection, debt validation, or legal right to collect was provided to me before reporting it to the credit bureaus. 

I have never received a proper debt validation package from this company, and under the Fair Debt Collection Practices Act ( FDCPA ), I have a right to receive notice of the debt and an opportunity to dispute it before it is reported to the credit bureaus. Reporting a collection without verification or any communication is a direct violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I recently viewed my credit report and noticed several late payments that shouldn't be on there because I was never late. I always paid on time or within the grace period, and I was never notified of any past due balance. These late marks are inaccurately reporting and causing harm to my credit profile. I contacted the company and requested proper documentation to validate the delinquency, but they failed to provide any proof that I was actually late or that proper billing and notice procedures were followed.

Under the Fair Credit Reporting Act, furnishers are required to report accurate and verifiable information. Im requesting that these late payments be fully investigated and permanently removed if the creditor can not prove their accuracy. This complaint is being filed directly by me, the consumer.

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