vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: Southwest Stage Funding
State: TX

Complaint narrative:
I am in the midst of a contentious divorce. My spouse moved out of the marital home in XX/XX/XXXX and I've had sole financial responsibility for the mortgage since XX/XX/XXXX. I was laid off from my job in XX/XX/XXXX but was able to keep the mortgage current in XX/XX/XXXX. I am the non-borrowing spouse on the mortgage, and the borrowing spouse refuses to give authorization for Cascade XXXX XXXX to speak to me about any loss mitigation opportunities. I have sent multiple requests to Cascade XXXX XXXX ( initial one on XX/XX/XXXX ) and all of the supporting documentation ( on XX/XX/XXXX ) to show that I am legally married, currently living in the marital residence and have assume all financial responsibility for it since XX/XX/XXXX. Cascade XXXX XXXX has consistently refused my claim of " Successor of Interest '' stating that they need authorization from the borrower to speaking with me or a final divorce decree awarding the property to me. The divorce petition was filed in XX/XX/XXXX and we are in the pending stages of the process. In accordance with Texas community property law and the standing order for the county the divorce petition was filed in, I, as the non-borrowing spouse, have a right ( duty ) to preserve the marital asset. In this case that would be working on a loss mitigation option until I'm able to secure a job/additional financial resource to satisfy the mortgage obligation. The borrower, as recently as yesterday ( XX/XX/XXXX ) continues to refuse to give this authority. My XXXX  has consistently displayed other harassing activities such as turning off utilities without notice, delivering and posting eviction notices on the property and stating that she will allow the home to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AmeriCollect
State: WI

Complaint narrative:
I have requested numerous times for a payment plan regarding this account that will allow me to make {$25.00} payments biweekly, the agent I spoke to refused, and told me that minimum payment was not enough, and refused to provide me with a plan that met this request or any sort of reduction. I am making payments as I can on the account, however I am constantly being emailed or called by customer service regarding the account. I am making payments, and although the payment amounts may not be what this debt collection agency would like I am making an attempt to settle my debt with them, and remitting payment when I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MA

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 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 2025-09-15 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: Central Portfolio Control Inc.
State: MO

Complaint narrative:
I got several bills from a debt collection company saying I had a hospital bill in mid XXXX in XXXX TX. I disputed knowing it was not mine. I did not even live there at that time, I had moved to MO. I have bills from that same hospital that I have been paying on since XXXX that I can prove, I have always paid my bills and until this have outstanding credit. The company has changed names several times and keeps reporting to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-15 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: CA

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 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$10000.00} 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, 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 2025-09-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute the following unauthorized hard inquiry that appears on my credit report : XXXX XXXX XX/XX/year> I am formally stating that I did not authorize this hard inquiry and did not apply for credit with XXXX CARD on or around that date. Under the Fair Credit Reporting Act ( FCRA ) 604, a hard inquiry may only be recorded on a credit report when a consumer has initiated a credit transaction or provided explicit written permission.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
An electronic message saying to call XXXX XXXX with Credit Management company. I get the call every time I make an outgoing call. I called the XXXX number and get a virtual assistant who using my phone number can't find an account. Why? because I don't have one. I do not have any outstanding debt and don't need credit management services. Couldn't get a person and wasn't going to waste my time on hold. Got another call the next day. That was over 3 months ago. They call every day. The second time I called to be removed from the list, I finally got transferred to a person and asked them to stop calling the phone number I was using XXXX. What happens, I get another call the next day. They call every day at all hours. I am tired of it. I am on the DO NOT Call list as well. XXXX XXXXcredit management companies should not be exempt from calling people who don't have accounts to drum up business. The other companies can't. They only leave a message to call. If I have an account and there is an outstanding debt, don't you think they would provide more information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: ND

Complaint narrative:
For the 3rd time This debt is the result of Identity Theft against me. 

These cases ( XXXX & XXXX ) should never have been closed without resolution in the first place ; the current closure is unacceptable and disregards all evidence and avoids looking into valid concerns that I have as a victim of fraud and Identity theft. XXXX  account was the fraudulent account that was setup and I NEVER stated it was my account, I verified my own information to let them know I am the real XXXX XXXX who was claiming fraud against my identity, what dates were these alleged calls with XXXX  that you claim that I acknowledged the fraudulent account and when did I accept charges as mine?? I know that didnt happen. FNBO representatives obviously took this conversation way out of context or are blatantly lying to make this bank more money at my expense, I know that I stated numerous times with FNBO fraud representatives, the only people I intended to speak with when calling, that I NEVER verified charges on this fraudulent account. I demand ALL voice recordings taken from all FNBO related calls in my name, so I can take this financial institution to court. This is criminal, and somebody 'else ' broke the law, making me a victim of Identity theft while FNBO further victimizes me. In XXXX, multiple attacks were made on my identify and accounts with XXXX, XXXX and FNBO were opened in my name by someone else. So far, FNBO is the only bank who is unwilling to accept this FACT.

Please see further attachments relating to previous CFPB, FTC & NE AG complains against FNBO. The latest FTC report has the XXXX XXXX  PD - Police report number included as well. 

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 2025-09-15 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: MS

Complaint narrative:
Re : Dispute of Inaccurate Accounts Under the FCRA To Whom It May Concern, I am disputing the following adverse accounts on my Experian credit report dated XX/XX/XXXX, as they contain inaccurate, incomplete, or unverifiable information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : 1. XXXX XXXX XXXX XXXX Reports a charged-off balance of {$32000.00}, yet payment history shows inconsistent updates, conflicting last payment dates, and an inflated balance after repossession without accounting for sale proceeds. 
XXXX. XXXX XXXXXXXX XXXX  Charged-off account shows a balance of {$590.00}, but payment history and reporting months contain gaps, inconsistencies, and unverifiable late notations. 
XXXX. XXXX  Paid/closed account still shows late payments after closure, which is inaccurate. 
XXXX. XXXX XXXXXXXX XXXX  ( XXXX account ) Paid/closed account inaccurately shows a XXXX late immediately before closure, despite being paid from collateral. 
XXXX. XXXX XXXXXXXX XXXX ( XXXX account ) Paid/closed account shows late notations after closure, which is inconsistent with a paid/closed status. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account reflects a charge-off with balance {$0.00} but also lists conflicting original balance ( {$690.00} vs. {$840.00} ), duplicate reporting under XXXX furnishers, and inconsistent dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reports as an open collection, but lacks proper validation of the debt and shows no consistent payment history. 
XXXX. XXXX XXXX XXXX XXXX account with missing last payment date, incomplete payment history, and unverifiable balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reports as a collection account but already reported under XXXX XXXX, creating a duplicate and inconsistent tradeline. 

Under the FCRA, you are required to conduct a reasonable reinvestigation of these accounts. Any item that can not be fully verified as accurate, complete, and consistent must be deleted immediately. 

Please provide me with the results of your reinvestigation in writing

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 2025-09-15 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: LA

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : EXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} 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 2025-09-15 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: AL

Complaint narrative:
Someone illegally obtained my credit information and applied for multiple different things with my credit and Social Security number and Im a victim of identity theft

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 2025-09-15 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: TN

Complaint narrative:
I am submitting this complaint regarding an account that is inaccurately reported on my credit file due to a data breach and failure to safeguard my personal information.

Company response to consumer: Closed with non-monetary relief