vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have held a PMI mortgage since XXXX. In XXXX, I took a XXXX forbearance. After making XXXX payments in early XXXX, I discovered water XXXX  and a leak in my kitchen leading to the basement, which was extended before I purchased the property. When I attempted to file an insurance claim, I learned my home had been uninsured since XXXX. The mortgage servicer, XXXX XXXX XXXX, had failed to pay my homeowners insurance to XXXX XXXX XXXX XXXX. They told me they would send proof of payment to the insurer, but instead they sold my mortgage to Mr. Cooper. Mr. Cooper accepted XXXX payments but then claimed no payments had been made since XXXX. They refused further payments for several months before finally accepting {$16000.00} on XX/XX/XXXX, to bring the loan current. The next day, the loan was SOLD to XXXX XXXX XXXX XXXX XXXX XXXX, which has refused all of my payments and claims I have not paid since XXXX. Despite the large payment made just before the sale, XXXX XXXX XXXX has filed a foreclosure lien against my home. Meanwhile, the un-repaired leak caused XXXX throughout the basement and into my home, worsening my XXXX  after I had XXXX in XX/XX/XXXX. Ive been unable to work for over XXXX  months due to persistent XXXX XXXX. I have documentation of all payments, attempted payments, and refusals by the lenders, as well as proof of temporary repairs. This situation has caused severe XXXX XXXX XXXX XXXX XXXX. I am seeking immediate relief, including halting the foreclosure, having the missed payments corrected, holding all bank servicer and banks accountable for failing to maintain insurance and failing to apply payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. 
Issue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
XXXX. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. 
o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction. 
o XXXX date, no effective action has been taken to correct these errors. 
XXXX. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Officer, I am writing to formally dispute several derogatory items reported on my Experian credit file. These items may have resulted from identity theft or compromised personal information stemming from a major XXXX XXXX XXXX data breach publicly disclosed in XX/XX/year>, in which names, Social Security numbers, and other sensitive data of over XXXX XXXX individuals were exposed. I have reason to believe my information was among those compromised, and I request a full reinvestigation and deletion as provided under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Disputed Accounts : XXXX Acct # XXXX Status : Charged-off with {$4500.00} balance Issue : No knowledge of this account being opened or authorized. 
XXXX XXXX XXXX  # XXXX and XXXX Status : Charged-off balances of {$2500.00} and {$980.00} respectively Issue : Accounts may have been fraudulently opened or abused due to breach. 
XXXX XXXX XXXX XXXX  Acct # XXXX Status : Open and past due with abnormally high usage ( XXXX XXXX XXXX Issue : Excessive usage suggests potential unauthorized activity. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  Status : Collection for {$5400.00} Issue : Appears post-breach and was not initiated by me. 
XXXX XXXX XXXX Original : XXXX XXXX Status : Collection for {$2200.00} Issue : Disputed as unauthorized or misrepresented. 
XXXX XXXX XXXX XXXX : XXXX XXXX Status : Collection for {$560.00} Issue : No knowledge of this utility service or contract. 
Legal Basis for Deletion or Reinvestigation : FCRA 1681i ( a ) ( 1 ) ( A ) : Right to dispute incomplete or inaccurate information and request reinvestigation. 
FCRA 1681c-2 : Right to block and remove information resulting from identity theft upon notification.

FACTA 112 ( FCRA 605B ) : Requires that credit reporting agencies remove fraudulent data from the report once properly notified. 
FCRA 602A : Establishes the consumers right to fair and accurate credit reporting, and protection from privacy violations.

I request the removal of these accounts pending reinvestigation, along with a full fraud block if verified to be the result of the XXXX & XXXX XXXX breach or any other third-party compromise. Please provide documentation of your findings as required by FCRA 611 ( a ) ( XXXX ) ( B ) ( ii ).

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB Officer, I am writing to formally dispute several derogatory items reported on my Experian credit file. These items may have resulted from identity theft or compromised personal information stemming from a major XXXX XXXX XXXX data breach publicly disclosed in XX/XX/year>, in which names, Social Security numbers, and other sensitive data of over XXXX XXXX individuals were exposed. I have reason to believe my information was among those compromised, and I request a full reinvestigation and deletion as provided under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Disputed Accounts : XXXX Acct # XXXX Status : Charged-off with {$4500.00} balance Issue : No knowledge of this account being opened or authorized. 
XXXX XXXX  Acct # XXXX and XXXX Status : Charged-off balances of {$2500.00} and {$980.00} respectively Issue : Accounts may have been fraudulently opened or abused due to breach. 
XXXX XXXX XXXX XXXX Acct # XXXX Status : Open and past due with abnormally high usage XXXX XXXX XXXX XXXX  Issue : Excessive usage suggests potential unauthorized activity. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Status : Collection for {$5400.00} Issue : Appears post-breach and was not initiated by me. 
XXXX XXXX XXXX Original : XXXX XXXX Status : Collection for {$2200.00} Issue : Disputed as unauthorized or misrepresented. 
XXXX XXXX XXXX XXXX : XXXX XXXX Status : Collection for {$560.00} Issue : No knowledge of this utility service or contract. 
Legal Basis for Deletion or Reinvestigation : FCRA 1681i ( a ) ( 1 ) ( A ) : Right to dispute incomplete or inaccurate information and request reinvestigation.

FCRA 1681c-2 : Right to block and remove information resulting from identity theft upon notification.

FACTA 112 ( FCRA 605B ) : Requires that credit reporting agencies remove fraudulent data from the report once properly notified. 
FCRA 602A : Establishes the consumers right to fair and accurate credit reporting, and protection from privacy violations.

I request the removal of these accounts pending reinvestigation, along with a full fraud block if verified to be the result of the XXXX & XXXX XXXX breach or any other third-party compromise. Please provide documentation of your findings as required by FCRA 611 ( a ) ( 6 ) ( B ) ( ii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Officer, I am writing to formally dispute several derogatory items reported on my Experian credit file. These items may have resulted from identity theft or compromised personal information stemming from a major XXXX XXXX XXXX data breach publicly disclosed in XX/XX/year>, in which names, Social Security numbers, and other sensitive data of over XXXX XXXX individuals were exposed. I have reason to believe my information was among those compromised, and I request a full reinvestigation and deletion as provided under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Disputed Accounts : XXXX Acct # XXXX Status : Charged-off with {$4500.00} balance Issue : No knowledge of this account being opened or authorized. 
XXXX XXXX  Acct # XXXX and XXXX Status : Charged-off balances of {$2500.00} and {$980.00} respectively Issue : Accounts may have been fraudulently opened or abused due to breach. 
XXXX XXXX XXXX XXXX  Acct # XXXX Status : Open and past due with abnormally high usage ( XXXX XXXX  ) Issue : Excessive usage suggests potential unauthorized activity. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Status : Collection for {$5400.00} Issue : Appears post-breach and was not initiated by me. 
XXXX XXXX XXXX Original : XXXX XXXX Status : Collection for {$2200.00} Issue : Disputed as unauthorized or misrepresented. 
XXXX XXXX XXXX XXXX : XXXX XXXX Status : Collection for {$560.00} Issue : No knowledge of this utility service or contract. 
Legal Basis for Deletion or Reinvestigation : FCRA 1681i ( a ) ( 1 ) ( A ) : Right to dispute incomplete or inaccurate information and request reinvestigation.

FCRA 1681c-2 : Right to block and remove information resulting from identity theft upon notification.

FACTA 112 ( FCRA 605B ) : Requires that credit reporting agencies remove fraudulent data from the report once properly notified. 
FCRA 602A : Establishes the consumers right to fair and accurate credit reporting, and protection from privacy violations. 
I request the removal of these accounts pending reinvestigation, along with a full fraud block if verified to be the result of the XXXX & XXXX XXXX breach or any other third-party compromise. Please provide documentation of your findings as required by FCRA 611 ( a ) ( 6 ) ( B ) ( ii ).

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX IS PLAYING XXXX, TRYING TO RUIN MY CREDIT. 

ALL I ASKED IS FOR THEM TO POST THAT I AM MAKING MONTHLY PAYMENTS AND WHAT IS MY BALANCE. 

XXXX XXXX XXXX has flagged your account as XXXX  XXXX  as bad debt with Equifax, which XXXX XXXX  impact your credit score based on XXXX  XXXX. 

Source : XXXX  XXXX : XXXX XXXX XXXX Address : P.o. Box XXXX, XXXX, GA XXXX Activity : XXXX XXXX as bad debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
This Landlord and Rental Agency is very unprofessional and discriminatory, and did not help me or my child at the time during and after COVID. They kept refusing to sign any documents for any rental relief or assistance and they wouldn't answer or send anything in when they requested and resulted in me getting denied assistance and having a 3rd party them pay for everything. I then got approved for section 8 and they accepted the voucher and everything at this location yet would not accept MY voucher even after my arrears were paid it just became a hassle and then I had to move out because I could not afford it after COVID. Losing my jobs and being a single mother. I did send a 30 day notice. They had to receive it because it is still in my emails I believe and they may have just overlooked that and just tried to over charge me for whatever odd reason but I may need to file a police report after this because it's still on my credit report after I disputed it two times already and I do not need any inaccuracy I already have student loans.....

Please help me figure this out with them ... and help me remove this from my credit.

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 2025-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint against BSI Financial Services for their consistent failure to respond to over 50 documented requests made over the past few years for hardship assistance, loan modification, home refinance, or any loss mitigation options.

Despite my long-term financial hardship caused by serious medical issues ( I have been battling XXXX XXXX for over 13 years ), BSI never once provided a hardship application, responded with any formal options, or acknowledged my numerous pleas for review and relief. These requests were made repeatedly via phone, email, and written communications between XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I received an email stating that my property was scheduled for foreclosure. This was the first and only notice I received about the sale. I did not receive any foreclosure notice by certified mail, nor did I receive a posted notice, as required by Texas Property Code 51.002 ( b ) which mandates 21 days written notice before a sale. 

Additionally, I was actively participating in a XXXX  XXXX XXXX that was officially accepted on XX/XX/XXXX. I overnighted required documents and was preparing to make the first payment. However, I only learned on XX/XX/XXXX that the case was dismissed on XX/XX/XXXX I was never notified of the dismissal before that date. This left me without time to pursue alternative options or protections. 

Despite these circumstances, BSI is still proceeding with a foreclosure sale scheduled for XX/XX/XXXX, and has ignored every one of my past and recent efforts to resolve this matter. I have been met with silence, disregard, and what feels like deliberate neglect of my rights as a borrower. 

I am requesting an emergency review, a pause on the foreclosure proceedings, and an investigation into BSIs failure to comply with consumer protections, foreclosure notice requirements, and servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TN

Complaint narrative:
I was wrongfully suspended from working on the XXXX platform due to Checkr falsely reporting that my driver 's license was suspended.

I verified directly with my state DMV that my license is 100 % valid and is NOT suspended. I provided a screenshot confirming this and informed Checkr of their error.

Instead of conducting a real reinvestigation, Checkr replied with the same copy-and-paste message they sent before, claiming I have not submitted an " abstract '' of my record.

This is not how the Fair Credit Reporting Act works. Under the FCRA, I have the right to dispute incorrect information and to have it properly reinvestigated. It is not my legal obligation to supply documentation in order for that process to occur. 

Checkr falsely claimed they conducted a reinvestigation. If they had, they would have seen what the DMV clearly told me : my license is active and valid.

I provided a real-time screenshot from the official Tennessee DMV portal ( dl.safety.tn.gov ) showing my license is valid. Checkr is refusing to fix their false report unless I pay to generate a certified abstract, which they could easily verify themselvesespecially after I filed a dispute. I can not afford this due to being blocked from working. Their refusal is preventing me from earning income and violates the FCRA. I am now losing income due to their refusal to fix the error.

I am asking the CFPB to hold them accountable and require a truthful, timely reinvestigation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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