vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: Freedom Mortgage Company
State: MS

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX Freedom Mortgage on XX/XX/year>. Freedom  acct # is XXXX. XXXX mortgage payment was made in full on XX/XX/year> even though RESPA allows XXXX  days. XXXX XXXX reported to credit bureaus that their account was closed. However, Freedom Mortgage has not reported to credit bureaus that they now service the mortgage. Therefore, on my credit report it appears loan was paid off which dropped my credit score by XXXX points. I spoke with Freedom Mortgage requesting they report the loan transfer to credit bureaus so my score could be corrected. They refused saying they will only report the loan to the credit bureaus if I become delinquent in my payments. Because they refuse to report the mortgage, the credit bureaus can not restore my credit score. Also, my homeowners insurance is due and since there is an escrow for insurance and taxes it should be paid from my escrow. Freedom Mortgage acknowledged they have the insurance bill but refused to pay it on time even though there are more than sufficient funds in the escrow account. I am at an impasse with Freedom Mortgage on resolving both matters. I have contacted XXXX XXXX Credit Bureau and filed a dispute but there is nothing they can do until Freedom Mortgage reports the mortgage. I am appalled that a mortgage servicing transfer we did not request, nor wanted, would affect my credit score negatively. I have NEVER been late with a payment and had a credit score of XXXX before this event. Now due to no fault of mine, my credit score is now XXXX. Is it legal for Freedom Mortgage to not report on time payments on a mortgage to the credit bureaus?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monarch Recovery Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/year> To Whom It May Concern : I am submitting this complaint regarding debt collection practices that I believe are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The debt collector contacted me by phone and attempted to solicit personal or financial information without first providing the written validation notice required by law. 
Under 15 U.S.C. 1692g ( a ), a debt collector must, within five days of the initial communication, provide the consumer with written notice containing the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 5. A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
The debt collector has failed to provide this required written notice and instead continues to attempt collection efforts by phone, pressuring me to disclose information and attempting to validate the debt verbally, which is non-compliant with federal law. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the debt collector for violating the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NC

Complaint narrative:
Went on credit credit karma and filed disputes on transunion and equafax numerous times on wrong information after the 30 days from both the results came up unknown. All accounts that I filed something wrong and given unknown needs to be removed off my credit report immediately there are atleast 6 accounts, if the account doesnt respond with the answers within 30 days all accounts need to immediately removed. I have all proof with the investigations that have been completed and will send for PROOF. They need to do there job!!! It is affecting my scores dramatically and the process of policies need to be followed. Not fair to me to get Unknowns and keep it on reports to hurt my chances of refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Went on credit credit karma and filed disputes on transunion and equafax numerous times on wrong information after the 30 days from both the results came up unknown. All accounts that I filed something wrong and given unknown needs to be removed off my credit report immediately there are atleast 6 accounts, if the account doesnt respond with the answers within 30 days all accounts need to immediately removed. I have all proof with the investigations that have been completed and will send for PROOF. They need to do there job!!! It is affecting my scores dramatically and the process of policies need to be followed. Not fair to me to get Unknowns and keep it on reports to hurt my chances of refinancing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My husband and I are disputing a delinquency Mr. Cooper reported for XX/XX/year> on our mortgage. This delinquency is inaccurate and the company has failed to properly investigate my dispute. 

Here are the facts : Our prior servicer approved a XXXX forbearance beginning XX/XX/year>. This transferred to Mr. Cooper in XX/XX/year>. 


In XX/XX/year>, I contacted Mr. Cooper to request an extension. I was told to call back once the existing forbearance ended. 


In XX/XX/year>, I called again and asked specifically about the XXXX payment. I was told multiple times that I should not worry about it, that it would be added to the total loan balance, and that it would not be reported as delinquent. 


Relying on these assurances, I did not make a XXXX payment. In XX/XX/year>, I resumed making payments, including a large escrow payment, and entered a deferral plan. 


Despite this, Mr. Cooper reported XX/XX/year> as delinquent, causing significant XXXX XXXX damage to both me and my XXXX, XXXX XXXX. 


I disputed this in writing on XX/XX/year>, explaining that XXXX XXXX representatives misrepresented the treatment of the XXXX payment. Their XX/XX/year> response failed to address this issue and simply repeated information from a prior response. They ignored my evidence and request to review the call recordings, which would prove my account. 

This is a servicing error and misrepresentation.

Mr. Coopers mishandling has caused unnecessary financial harm and we need this error corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am filing this formal complaint against Early Warning Services , LLC ( EWS ) for their ongoing, unlawful, and abusive practices that have directly prevented me from accessing essential banking services and my own funds through Zelle, a product they own and operate. 

EWS has effectively blocked me from opening a bank account at participating financial institutions by maintaining and circulating negative information that I dispute as inaccurate and unjustified. At the same time, they are forcing me to open a bank account with one of Zelles participating banks in order to access Zelleyet they are the very entity preventing me from doing so. 

This creates an impossible and abusive cycle where EWS is both the gatekeeper and the obstacle. As a result, I am being : Denied the right to open a bank account with institutions that rely on EWS data. 

Denied access to funds owed to me through Zelle, which EWS controls. 

Forced into an anticompetitive and coercive system where I can not meet the requirements they themselves impose. 

This is more than an inconvenience. It is a violation of my consumer rights, a restraint of trade, and de facto theft of funds that I am lawfully entitled to receive and use. 
I demand the following immediate actions : A complete investigation and removal of any inaccurate or harmful information maintained or shared by EWS that is preventing me from opening a bank account.

Immediate disbursement of all funds that I am owed via Zelle.

A written explanation of why I have been blocked from banking access, with proof of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). 

If EWS fails to resolve this matter promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as explore legal action for damages caused by these unlawful restrictions. 

Your companys conduct is unacceptable, abusive, and possibly unlawful. I expect a written response within XXXX  days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My name is XXXX XXXX, I am XXXX XXXX XXXX. I had a Barclays Bank credit card account that was later closed. While I accept responsibility for the original purchases, the balance has increased to an unreasonable amount because of excessive interest and charges. 

I never expected the debt to grow this high. The majority of the current balance is not from the money I actually used, but from interest and fees added over time. This has caused serious harm to my credit and financial stability. As an elderly consumer living on a fixed income, it is unfair and impossible for me to repay a balance that is mostly inflated charges instead of the true amount I owe. 

For years, I always maintained excellent payment history and managed my account responsibly.

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