vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing regarding a serious and urgent issue concerning my mortgage account # XXXX originally serviced by Caliber Home Loans, and currently serviced by your institution. This loan includes an escrow account for the payment of property taxes associated with the following three parcels : XXXX XXXX : XXXX XXXX Taxes paid and current Parcel XXXX : XXXX XXXX Taxes delinquent, up for lien sale XXXX XXXX : XXXX XXXX Taxes delinquent, up for lien sale The original loan was issued by Caliber Home Loans and was transferred to NewRez/Shellpoint approximately one year later. Since the beginning of my mortgage, property taxes have been paid through my escrow account. 
While taxes on parcel XXXX have consistently been paid, I was recently notified by certified mail from the County of XXXX that parcels XXXX and XXXX have gone unpaid for XXXX years. On XX/XX/XXXX, I received formal notice that both parcels are now scheduled for tax lien sale on XX/XX/XXXX. 
The outstanding amounts are as follows : {$810.00} per parcel ( total : {$1600.00} ) Fees and penalties : {$280.00} per parcel ( total : {$570.00} ) Despite my repeated efforts to resolve this issue, I have been met with delays, confusion, and silence. Below is a summary of my numerous attempts to contact your company : XX/XX/XXXX : Contacted the XXXX XXXX XXXX XXXX to confirm delinquency and amounts owed. 
XX/XX/XXXX @ XXXX XXXX : Spoke with Mali by phone. She was unfamiliar with the situation and questioned why I hadnt paid the taxes myself. I explained that property taxes are paid through escrow. I requested a supervisor ; she said none were available and someone would call me back. No one has returned my call. 
XX/XX/XXXX : Sent a formal letter ( copy enclosed ) via fax to XXXX and by postal mail to the escrow department. 
XX/XX/XXXX : Used online chat on the NewRez website and spoke with XXXX XXXX, who provided the address and fax number but refused to share an email contact. 
XX/XX/XXXX : Personally, visited the XXXX XXXX XXXX XXXX intending to pay the balance. I was informed your office contacted them that day to inquire about the total due, but no payment had been made. I attempted to pay in full but was told I would need to return with a certified form of payment. 
XX/XX/XXXX @ XXXXXXXX XXXX XXXX  Called NewRez/Shellpoint and spoke to XXXX, who said she would add notes to my account and stated someone might respond by XX/XX/XXXX. She also gave me an email to follow up : XXXX. 
It is unacceptable that no one from your office has responded to resolve this matter, especially considering the legal and financial risks at stake. This issue has persisted for over five years without correction.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX ( XXXX ), I attempted to withdraw {$100.00} from my XXXX XXXX  account to my bank of america XXXX XXXX card ending with XXXX. Unfortunately i wasnt aware that my digital debit card was associated with a closed physical debit card and due to bank of america this transaction is declined and money will back to my XXXX XXXX  account. 

I opened several cases with XXXX XXXX  and all of my cases were closed by XXXX XXXX  agents and im told that money is sent to bank of america successfully and they are holding it even tho it was a declined transaction. XXXX XXXX  gave me this retrieval number to give it to bank of america XXXX 2 days ago I made a phone call with bank of america dispute team, first agent confirmed this money is received by bank of america and credited in my checking account then after a big argument he asked me for some time to talk to his manager and then he confirmed that my money is holding by bank of america and it hasn't been deposited in my account due to money is sent to a closed debit card. He also told me he will transfer me to a department where they can help me. New department of bank of america confirmed that they have the money and he opened a case with XXXX So right now bank of america closed my case even tho their XXXX agents from different departments confirmed that bof has my money. 


I am requesting bank of america credit this money in my account or release back to XXXX XXXX. Looks like money is stuck or lost between XXXX XXXX and bank of america and my bank is not taking responsibility to trace my money. That's a shame that im with them for 10 years and I am not asking for free money. This is my hard worked money and its vanished.

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 2025-06-13 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: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CFPB CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/year> To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint against Alliant Credit Union due to their ongoing and unauthorized use of a disconnected third-party payment token, which has resulted in repeated failed transactions, returned check fees, misleading account information, and significant emotional and financial stress. 

In XX/XX/XXXX, I connected my XXXX XXXX checking account ( ending in XXXX ) to Alliant Credit Union via the third-party data aggregator Plaid, enabling recurring payments and deposits. These transactions functioned correctly until XX/XX/XXXX, when a {$25.00} deposit failed and was returned as invalid account. I contacted Alliant on XX/XX/XXXX, and was informed the failure was due to an invalid account numberdespite no changes to my banking credentials. 

After further investigation, including calls to XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX, I discovered the issue originated with Plaids tokenized account number system. I immediately disconnected XXXX from my Alliant account in XX/XX/XXXX and expected this to terminate use of the tokenized account data. 

Despite this, Alliant continued to attempt recurring credit card payments using the same disconnected Plaid-linked account. These unauthorized payment attempts occurred on XX/XX/XXXX ( {$110.00} ), XX/XX/XXXX ( {$110.00} ), and led to a {$27.00} returned check fee on XX/XX/XXXX. On XX/XX/XXXX, an Alliant representative confirmed that the account number still in use was the Plaid-issued tokendespite my having fully revoked access months earlier. 

Adding to the confusion, Alliants app interface inaccurately showed that payments were being drawn from my XXXX account ending in XXXX. In reality, Alliant was continuing to use the disconnected token, causing repeat failures and compounding the issue with misleading payment source information. 

I have spent extensive time dealing with this issue, including multiple calls with XXXX XXXX and Alliant, and the situation has caused significant emotional distress, reputational harm, and unnecessary financial penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: WA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
illegally sold and shared inaccurate information to collection agency, continuously being harassed to pay an outstanding balance that is incorrect. All agencies have been sent certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
illegally sold and shared inaccurate information to collection agency, continuously being harassed to pay an outstanding balance that is incorrect. All agencies have been sent certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MI

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. Please see the attached file for this concern. Please see the attached file.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CRME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, did not contact me directly. They contacted a 3rd party directly without any contact to me. It is a direct violation for them to handle the billing that way. I can provide the screenshots of the texts and phone calls sent by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have a mortgage through Lakeview loans Sub-serviced by XXXX XXXX. I requested for a loan modification in XXXX of this year ( 2025 ) and was approved by the XX/XX/XXXX. I then contacted them to make my XXXX payment in which they stated I did not need to, and just pay my trial payments which began in XXXX. I called at least XXXX time as I kept getting collection calls from XXXX XXXX and each time they said I was fine and it was just their automated system still expecting my regular payments and not to worry. 

By XXXX, I got a message from XXXX credit card companies stating my limit decreased and XXXX card closed due to the reporting of my mortgage delinquency. I then called XXXX XXXX to which they told me they do not know why that happened and they gave me an email to contact them on XX/XX/year>. I email them my situation and got an immediate response stating this will be passed on t the proper department. I am assuming it was an automated response. They said it would take up to XXXX business days to hear back from them. I then checked my credit report once again and now it states I am XXXX days late. I called XXXX XXXX XX/XX/year> and they then told me loan modifications affect credit, which I asked the first time and was told it would not. They reason for the modification is that my work situation has changed and I have been in a financial hardship for almost a year now and I wanted to lower payments so I would not be late and I could pay them. The whole point was to protect my credit. 

I continued with the last trail payment and just signed the final documents today XX/XX/year> I then got an email from another credit card company today stating they will be closing my account due to the delinquency reporting. I am not delinquent on any of my cards or any of my bills. Hopefully you guys can help. Thank you

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-06-13 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: AZ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACTXXXX # XXXX HAS VIOLATED MY RIGHTS. 
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

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 2025-06-13 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is 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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
Without proper validation, this debt should not be reported to the credit bureaus or used to negatively impact my credit profile. I am requesting that this account be immediately removed from my credit reports and that this dispute be recorded and acknowledged. 

Please consider this a formal dispute and demand for correction in compliance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). I also request written confirmation of your investigation and the actions taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation