vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Mortgage Escrow Complaint Fifth Third Bank my loan # XXXX I am submitting a formal complaint regarding the mishandling of my mortgage escrow account with Fifth Third Bank. 
On XX/XX/year> I made tax payment early I paid {$500.00} partially Inoticed incorrect escrow analysis .Fifth Third misapplied my funds/ failed to adjust my payment, even though I had already paid taxes directly/ met obligations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX  Email : XXXX My account number XXXX XX/XX/year> Mortgage Company Name Fifth Third Bank My account number XXXX Attn : Corelogic Fifth Third Escrow Department Subject : Escrow Account Update Request my Loan Number XXXX ] The person that I am now talking with at 5th3rd his name is XXXX  his number XXXX To Whom It May Concern, This letter formally requests an update to the escrow account for mortgage loan number Loan Number XXXX ] before my analysis in XX/XX/year>. 
The reason for this request is that the information on file is outdated. New documentation is enclosed for review. 
On XXXX XXXX I pay {$500.00} down on my Property Taxes before my tax due date. I was told by XXXX XXXX XXXX XXXX that on XX/XX/year> XXXX paid {$520.00} My morgager payment now {$730.00} by me paying {$500.00} down on my Property Taxes before my tax due date this should lower my Property Taxes balance that Corelogic had to pay off. This should lower my mortgage payments moving forward. 
I can pay your Indiana property taxes ahead of the due date. Indiana counties accept partial or full payments at any time. XXXX XXXX Treasurer stated to me how prepayment works in XXXX  Paying XXXX  property taxes early so my mortgage escrow payment doesnt go up. 
I told XXXX my mortgage insurance also went down by {$100.00} and this should also lower my mortgage payments Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: DE

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concern regarding a series of unauthorized transactions that have posted to my Chime account, totaling {$860.00}. I initially contacted Chime on Friday, XX/XX/year>, to report these fraudulent charges and initiate dispute claims. 

During each interaction with Chimes customer service team, I was assured that the disputed amount would be credited back to my account. However, I was recently informed that my dispute claims have been denied without any valid explanation or supporting documentation. 

As a consumer, I rely on Chime to protect my financial interests and uphold fair banking practices. I am hopeful that with your organizations help this matter can be resolved promptly and that the disputed amount of {$860.00} will be returned to my account. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-09-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CO

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have been requesting information from World Finance Corporation in regards to an old account that is closed, that they partially charged-off but still continue to add fees to the balance. The only way I know about these new fees is when I check my credit report, I see the balance amount goes up. I do not receive any notification from the actually company about the fees. My recent credit report check was XX/XX/2025. As you will see, the account is mark as a charge off every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: NY

Complaint narrative:
XXXX XXXX has lowered my score twice in the same month for the same alleged credit card opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got a call from Chase Bank even though Im not a member

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They call at weird times of the day. When I try to answer they hang up. Sometimes I do answer and it immediately gets disconnected. Lately they call and hang up and leave me voicemails. At one point they called me when my XXXX  had XXXX demanding resolution and I asked them why they call and disconnect the call when I answer and they had no response to that. I even told them that if they continue, Id report them and they did the calls wrong anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper Loan Servicing failed to cancel my automatic payments despite multiple requests, resulting in unauthorized withdrawals, overdraft fees, and financial hardship. 

Details of the Complaint : On XX/XX/year>, I contacted Mr. Cooper to cancel my auto payment due to an upcoming refinance. The agent confirmed the cancellation was processing but could not provide confirmation. 
On XX/XX/year>, an auto payment was withdrawn. I was told cancellations take five business days, and the payment had already processed. 
On XX/XX/year>, another auto payment was withdrawn despite my prior cancellation request and confirmation from a representative that the transaction and auto pay had been canceled. 
These funds should not have been taken, as my refinance had already closed. 

Impact on Me : My account was overdrawn, leaving me unable to pay other bills. 
I incurred overdraft fees from my bank and risked late fees from other creditors. 
When I contacted Mr. Cooper again, I was told I must wait 30 days for a refund since my loan was paid off leaving me without access to my own funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 2025-09-16 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: WI

Complaint narrative:
I submitted a dispute regarding inaccurate and unverifiable information reported on my credit file. 
The disputed items include : XXXX. Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the credit reporting agency must conduct a reasonable reinvestigation and delete or correct any item that can not be verified.

Additionally, under 609 ( 15 U.S.C. 1681g ), I requested copies of all source documentation relied upon for the reporting.

To date, no such documentation has been provided, nor has the inaccurate tradeline been corrected or deleted. This is a violation of the FCRA.

Relief Requested : 1. Immediate deletion 2. Written confirmation of changes made.

3. Assurance that no further unverifiable information will be reported. 

If the issue is not resolved promptly, I reserve the right to pursue legal remedies under FCRA 616617 ( 15 U.S.C. 1681n & 1681o ) for damages. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-16 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC
State: MO

Complaint narrative:
REASON WHY THEY ( SERVICEMAC ) CONTACTED ME TO CHANGE MY BANKING & PAYMENT INFORMATION BECAUSE MY LOAN WAS TRANSFERRED FROM XXXX TO SERVICEMAC. I SPENT HOURS TALKING TO THEM TO VERIFY IT WAS NOT A SCAM AND TO CHANGE MY BANKING INFORMATION ONLY TO RECEIVE ANOTHER LETTER FROM THEM 5 DAYS LATER THAT MY LOAN WAS BEING SOLD BACK TO XXXX AND I WILL HAVE TO CHANGE MY BANKING INFORMATION ALL BACK AGAIN TO THE PREVIOUS COMPANY. THEY SAID THEY CAN NOT TELL ME WHY. THIS IS MY COMPLAINT AS WELL AS BOTH COMPANIES HAVE NOT CREDITED ME FOR THE 2 ADDITIONAL MONTHS I PAID TO BE AHEAD ON MY MORTGAGE. XXXX DID MANAGE TO DO 1 MONTH BUT NOT THE TWO.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ). Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This is the only address that should show on my credit report. Please update my name to : XXXX XXXX. This is the only name that should show on my credit report. My only and correct Date of Birth is XX/XX/XXXX. My SSN is 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