vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I filed XXXX XXXX in XXXX of 2025. The home was not included in the Chapter XXXX, I am to make the payments directly to the Mortgage company ( Mr Cooper ) directly. 

Since XX/XX/year> I have had continuous issues as it comes to getting the payments applied and processed correctly to my account. 

I am spending over XXXX hours a month to make continuos calls to the Mr. Cooper to get the payments moved from a " suspense '' account to the correct ( principal and interest ). I have to call in monthly and speak to a live agent and go through the whole disclosure that I am now handled formally by the bankruptcy division within Mr. Cooper and then ask them why my payments are not being applied correctly. On XXXX Tuesday I was made aware that 2 months of my payments ( XXXX ) XXXX were in the suspense account and none of the payment has been applied. I have since made over XXXX calls requested to speak to a XXXX on multiple occassions to still not have the response or solution to my issue. 

With the fact, Yes I am in Chapter XXXX and every agent that answers that phone reminds me would to be allow MR Cooper to take extra care and concern when I am making payments and applying them in a timely fashion. They are NOT. I would like to submit a formal compaliant! 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} DXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : None listed for Experian. 

Late Payments : FREEDOM MTG, XXXX XXXX FCU, 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XXXX I received an email stating " we've suspended your XXXX and XXXX Transfers profile. XXXX. There has been adverse activity reported on your profile. XXXX. We have received information that you XXXX not be the owner of XXXX of the external accounts added to your transfer profile '' On logging in I learned my account was closed and money withdrawn. The statements in the email are false, I have never used XXXX with this account, and all linked external accounts belong to me. In additiion I reviewed my XXXX XXXX and XXXX XXXX XXXX XXXX banking disclosure reports and no negative information has ever been reported about any of my accounts. This Ally Account has been open for XXXX years with no negative activity. XXXX law requires 30 days notice prior to account closure, account was closed with no notice.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX amp XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 1908 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 2025-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NC

Complaint narrative:
On XXXX I received a prepaid debit card from Netspend. I was confused about why, as I had never set up an account with them. I had completed a rebate for a recent purchase at XXXX and they send a prepaid card for their rebates, so I thought maybe that is what it was for. So I called the number to activate the card. When it asked for my social security number I became concerned. Then I did some research and discovered this is a marketing gimmick this company does in order to get people to put money on the debit cards. I called Netspend to confirm that I did NOT have an account and had NOT activated the card. I was put through many cycles of automated menus before I was finally able to speak to someone. When they tried to verify my identity, I discovered that there was an account created under my name and social security number but there was a different email, mailing address, and phone number associated with this account. I deduced that someone had stolen my identity to set up an account with Netspend. I asked them to close my account but they kept saying they could not get into my account because I could not verify the email, phone, or mailing address on the account ( because they belong to whoever stole my identity ). First of all it is not above board to send people debit cards who have never set up accounts, and second, it is not acceptable that I am not able to close a fraudulent account, and whoever stole my identity gets to keep using this account under my name and my social security number.

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 2025-11-05 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: IN

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-05 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: OR

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX repossessed my XXXX XXXX XXXX XXXX from inside a locked, tenant-only parking garage at my residence in XXXX, Georgia. The garage requires key-fob access and I have documentation showing the vehicle was legally registered to park there. Entering a secured facility without consent constitutes trespass and a breach of the peace, which is unlawful under the XXXX and Georgia law. 

XXXX has not provided any required noticessuch as a Notice of Intent to Sell, redemption information, or an itemized accounting. The vehicle has been held for more than XXXX months without auction. 

On XX/XX/XXXX, I mailed a certified Cease and Desist Demand Letter requesting the vehicles return and the required documents, but the company has not responded and continues to call me. 

I request that the CFPB compel XXXX to stop all sale activity, provide the required notices, and return my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
Subject : Formal Dispute of Account XXXX * * * * Reported by XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX * * * * Dear TransUnion XXXX Department, I am writing to formally dispute the accuracy of an account being reported on my TransUnion credit file. The account in question is a collection reported by XXXX XXXX with the account number XXXX * * * *. 
I assert that this entry contains numerous severe reporting errors that violate the Fair Credit Reporting Act ( FCRA ) and render the information materially inaccurate and incomplete. 
Reasons for Dispute : XXXX. Future Date Reported : The record shows a " Date Reported '' of XXXX. Reporting a date in the future is patently false, materially inaccurate, and makes the entire tradeline invalid and misleading. 
XXXX. Lack of XXXX : The complete and verifiable Date of First Delinquency ( DOFD ) has not been accurately established on this report, which is required to determine the account 's maximum legal reporting period ( 7 years ). 
XXXX. Incomplete Data : The information provided by the furnisher ( XXXX XXXX ) is incomplete and fails to meet XXXX XXXX reporting standards ( including codes related to status, payment history, and portfolio type ). 
Under FCRA 611, I demand that you conduct a proper and reasonable reinvestigation of these disputed items. As the information is clearly inaccurate ( especially the future Date Reported ), you must verify the completeness and accuracy of all data with the furnisher. 
If the furnisher, XXXX XXXX, can not fully verify the accuracy of all reported data within the statutory timeframe, you are legally required to immediately delete this item from my credit file. 
Please provide me with written confirmation of the results of your reinvestigation within the required timeframe. I have enclosed copies of the relevant credit report section and my identification for verification. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Lincoln Financial Services
State: NM

Complaint narrative:
b'Denied consumer credit also see regulation B. Under equal oppportunity act. Also see 15 USC 1611 & 15 USC 1666 a, b. Alternative credit program. \n\n\n18 USC 8.\n\n12 USC 411.'

Company response to consumer: Untimely response
Consumer complaint received 2025-11-05 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: NM

Complaint narrative:
I am disputing the following accounts on my Equifax credit report : Charged Off XXXX XXXXXXXX Account Number : XXXX, Opened : XX/XX/year>, Balance : {$12000.00} Late Payments XXXX CARD Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-11-05 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-05 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-05 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: OH

Complaint narrative:
This is a formal Dispute Inaccurate XXXX XXXX Auto Finance Reporting Account Number : XXXX Dear Credit Bureau XXXX XXXX XXXX XXXX XXXX, I am formally disputing the XXXX XXXX XXXX Finance account appearing on my credit report as a charge-off with repossession and a {$7600.00} balance. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to ensure all information reported is accurate, verifiable, and complete. This account contains multiple inconsistencies and potential violations : XXXX. The account shows as charged off while still reflecting a {$7600.00} past due balance, which may constitute double reporting ( FCRA 607 ( b ) ). 
XXXX. The written off amount ( {$28000.00} ) conflicts with the past due amount and does not specify how XXXX XXXX calculated a deficiency after repossession. XXXX. I was not provided with a notice of intent to sell or a post-sale deficiency statement as required under UCC 9-610 and 9-611. 4. The report shows Account previously in dispute investigation complete, yet I have not received full documentation proving the accuracy or ownership of this account. I am requesting that this tradeline be deleted or corrected unless XXXX XXXX XXXX XXXX can provide full documentation, including : - The original signed retail installment contract - The repossession notice and sale documentation - Payment history and itemization of the alleged balance - Proof of Capital Ones right to collect any deficiency amount If the furnisher can not provide these records, this account must be removed from my credit report per FCRA 611 ( a ) ( 5 ). Please conduct a reinvestigation within 30 days of receipt of this letter and send me written confirmation of your findings. 

Sincerely, 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 2025-11-05 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:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my XXXX XXXX. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matte

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was hospitalized in a coma and my account was used for {$4000.00}. I disputed all charges I sent over proof of hospitalization and they said it was not done in error and refused to give me the money back

Company response to consumer: Closed with explanation