vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, I requested a partial reconveyance ( partial release of mortgage ) from Carrington Mortgage Services so that a narrow strip of land could be correctly released from my Deed of Trust after a Boundary Line Adjustment recorded in XX/XX/XXXX ( XXXX XXXX XXXX File No. XXXX ). This adjustment exchanged equal portions of land with my neighbors to correct a survey overlapno change in net acreage or loan security occurred. 

On XX/XX/XXXX, Carrington denied my request with a one-sentence form letter stating only that the property specified in the mortgage was pledged as security. I then submitted a formal appeal and Qualified Written Request ( QWR ) under RESPA on XX/XX/XXXX, asking for the Deed of Trust, legal description, investor guidelines, decision rationale, and names of those responsible for the denial.

Carrington never provided that information. Instead, they sent a series of
boilerplate status letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each claiming that my inquiry was being researched. The XX/XX/XXXX letter falsely stated that I had submitted new documentation ( I had not ) and used that false claim to reset their own response deadline to XX/XX/XXXX. 

Carringtons repeated delays and mischaracterizations show a pattern of bad-faith servicing behavior and failure to comply with RESPA 2605 ( e ). I have provided full documentation ( survey, recorded deeds, title commitment, and prior correspondence ) demonstrating that my request was complete and justified.

As of today, Carrington still has not provided the required information or any substantive explanation for its refusal, leaving the title to the affected parcel clouded and blocking a neighboring landowners federal trust conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ClearBalance Holdings, LLC
State: OR

Complaint narrative:
Between XX/XX/year> and XX/XX/year>. I received 3 text messages from this company. Regardless of hours they obtained my account I have never entered into an agreement with them nor have I agreed to contact.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The refused to stay on course and address my concerns to when the modification documents was done because nothing they send is completed with a right signature or notary.

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 2025-11-04 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:
Charged-Off Accounts I am disputing the charged-off account ( s ) currently listed on my Equifax report. These accounts appear inaccurate, incomplete, or unverifiable. Please investigate and confirm the accuracy of the information with the original creditor. If Equifax can not validate ownership or reporting accuracy, I request that these accounts be deleted.

Unauthorized Inquiries XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) I did not authorize any of these inquiries. I did not apply for credit with these companies. Please remove these unauthorized inquiries as they were made without my permission. 

Positive Accounts ( Do Not Remove ) Please ensure the following positive accounts remain : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX OH XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. I understand that you are required to verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly removed. Please note that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made.

Thank you for your attention and assistance in resolving this matter

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 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber
State: IN

Complaint narrative:
This company has called so many times its insane. All hours of the day, obscene language, threatening to sue and have yet to validate the debt. With this being said I'm attaching this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( XXXX ) XXXX Re : Account Number : [ XXXX ] ( with XXXX XXXX ) To Whom It May Concern, Pursuant to my rights under the Federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby providing you with written notice to immediately cease and desist any and all further communication with me concerning the collection of the above-referenced alleged debt.

This request for the termination of communication includes, but is not limited to, all written correspondence and telephonic communication.

Under the FDCPA, once a debt collector receives written notice from a consumer to cease communication, they generally can not communicate further, except to inform the consumer that collection efforts are ending, or to notify them of specific actions the collector or creditor may take or intends to take.

Please be aware that I am documenting all contacts made by your company. Non-compliance with this request could lead to significant liability under federal law. If you or your agents contact me about this debt beyond the legally permitted reasons, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursue legal action.

Sending this letter does not acknowledge the debt, and I reserve my right to dispute its validity.

Thank you for your prompt attention and cooperation with federal law. 
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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
While checking the activity on this account, I noticed that several XXXX dollars of reward point funds had been directly deposited into an account on XXXX. I immediately checked all my deposit accounts but found no deposits for XXXX or after in the amount that was taken/disbursed. I immediately call Comenity Bank and after 57 minutes on the phone I was told that they couldn't tell me where these funds went, who requested them and that it would take 2 to 3 billing cycles for me to get my funds back. I requested what the process was that would take place as well as a rush to be done on this as these funds were to be used for Christmas. I was told they couldn't answer any of my questions or honor my request. I got no explanation for why this happened considering the status of the account.

I am requesting a formal investigation be done by FDIC on this bank. This bank has had 22 complaints filed against it from XX/XX/XXXX to XX/XX/XXXX -- -not counting the 2 I've filed or any others since XX/XX/XXXX. This bank appears to be horribly mismanaged and obviously has little to no concern for its " customers I've had numerous credit cards in my life and I've NEVER had problems with who the servicer was until I had to deal with this Comenity. This company needs to be forced to close it's credit card department and possibly the entire bank. It's pretty bad when a person has to file 2 complaints within 10 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: FL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed in my credit report, under account number ( XXXX ), a 30-day late payment error. I have never been late with my payments, so I kindly request that this late payment be removed, as it is not legitimate. I have never been late with my XXXX XXXX credit card.

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 2025-11-04 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I've made two separate payments via paper check from XXXX XXXX-both cleared my account, both returned rejected, with no reason. Customer service keeps lying, saying they never got it, even after I show proof. It's not XXXX XXXX, it's them refusing my money. This is fraud, basically. Make them apply the checks or stop pretending I'm late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NM

Complaint narrative:
" I am filing this complaint because Chime has wrongfully denied my claim for an unauthorized electronic fund transfer, violating my rights under federal law ( Regulation E ).

The Unauthorized Transfer and Immediate Report : On XX/XX/year>, a {$200.00} transaction was made from my Chime account without my authorization. This was an unauthorized electronic fund transfer. I reported this fraud to Chime immediately on XX/XX/year>, the same day I discovered the loss.

Chime 's Actions and Denial : Chime conducted an investigation. I was notified via the app on [ Yesterday 's Date, e.g., XX/XX/year> ] that my claim for the {$200.00} unauthorized transfer was denied ( I saw the notification today, XX/XX/year> ). 
Procedural Failure : Although I have since received a new card and was able to reset my password, the denial of the {$200.00} stands. I am complaining because, upon denying my claim, Chime failed to provide the required detailed written explanation of their findings that led to the denial, as mandated by the Electronic Fund Transfer Act ( Regulation E ).

Desired Resolution : I request that the CFPB require Chime to re-open the claim, reverse their denial, and fully reimburse me for the {$200.00} unauthorized transfer in accordance with consumer protection regulations. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX, Account # XXXX , Opened XX/XX/XXXX, Balance {$0.00} XXXX, Account # XXXX, Opened XX/XX/XXXX XXXX Balance {$0.00} XXXX, Account # XXXX, Opened XX/XX/XXXX , Balance {$0.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX , Balance {$0.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance {$0.00} I am disputing these accounts as they are showing charged-off statuses despite {$0.00} balances. I request proper verification or deletion. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear to be unauthorized or inaccurately listed. I request proof of consent or removal if they can not be verified. 

Late Payments XXXX  XXXX, Accounts # XXXX, # XXXX, # XXXX XXXX XXXX, Account # XXXX I am requesting verification of these reported late payments as they appear 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
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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: SC

Complaint narrative:
I have contacted TransUnion multiple times to deal with this issue. I am getting denied for necessary loans, I just got in an accident and my car got totaled and I need to shop for a car. I can not do so because TransUnion is telling me the documents I send in are " verified '' by their document team to be sent by a third party ( aka credit repair company ) When it was ME who sent these in. They have been getting me the run around and not solved this issue for weeks now. This is effecting my way of life, I have attached the documents along with the FTC report.

These inquries I did not authorize. These are unauthorized inquries on my 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