vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint due to serious concerns about CMG Mortgages handling of my mortgage loan modification and escrow account, potentially violating federal mortgage servicing rules and misapplying COVID-related homeowner relief protections. 

In XX/XX/XXXX, I entered a loan modification trial plan through CMG Mortgage after experiencing hardship related to the pandemic. The investor is XXXX XXXX. Despite making the required trial payments, I received a permanent loan modification that extended my loan term by 10 years and capitalized over {$29000.00}, resulting in a new balance of {$460000.00} at 2.875 % interest. No clear breakdown was ever provided to me, and CMG refused to give me a copy of the modification agreement when I requested it again on XX/XX/XXXX. 

I was also hit with a {$3000.00} escrow shortage, despite making regular mortgage payments. When I questioned this, I received no clear explanation. I believe CMG mishandled my escrow account and failed to apply my payments correctly post-modification a violation of the Real Estate Settlement Procedures Act ( RESPA ), which mandates accurate escrow accounting and timely disclosures. 

I filed three prior complaints with the CFPB regarding these same issues : XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) These issues remain unresolved, and CMG has shown a repeated pattern of evasiveness and refusal to provide documentation I am legally entitled to under the Truth in Lending Act ( TILA ) and RESPA. 

Additionally, I have serious concerns about how CMG used federal COVID mortgage relief funds. According to the XXXX  Mortgage Relief Program, homeowners were entitled to free legal aid through XX/XX/XXXX, yet when I contacted California Rural Legal Assistance ( CRLA ) on XX/XX/XXXX, I was told they had no funding. This raises questions about the actual use of federal funds intended to protect homeowners. I am XXXX of many vulnerable borrowers who feel defrauded by a system meant to protect us. 

I also contacted XXXX XXXX on XX/XX/XXXX ( case # XXXX ). They acknowledged my concerns and agreed to request the documents from XXXX that I was unable to obtain. 

This is not just a personal hardshipit suggests a larger pattern of noncompliance and misuse of mortgage relief resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-29 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
i was just found out about XXXX XXXX XXXX and XXXX XXXX lawsuit. i did business with them in the pass, 2010 or after. need info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX and XXXX  # XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX the account was charged off {$55000.00} in XX/XX/XXXX. However, you are reporting my balance is {$51000.00}. Per FCRA, this is in violation. I cant have a balance if it was charged off. The creditor was paid. XXXX  # XXXX is listing the account was charged off with no charged off date and showing a balance of {$18000.00}. Per FCRA, this is in violation. I cant have a balance if it was charged off. The creditor was paid. XXXX XXXX # XXXX is reporting charged off XX/XX/XXXX. However, your remarks reporting PAID IN FULL/CHARGE OFF. I challenge the accuracy, compliance and reportability of this listing. XXXX # XXXX is listing the account was charged off with no charged off date and showing a balance of XXXX. XXXX FCRA, this is in violation. I cant have a balance if it was charged off. The creditor was paid. Please validate this information with XXXX XXXX XXXX, XXXX  # XXXX, XXXX and XXXX XXXX # XXXX and provide me with copies of any documentation associated with this account. In the absence of any such documentation, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Please respond to this dispute via USPS only. I do not consent to any electronic forms for receiving dispute results.

There are 4 inquiries that need to be deleted from my credit report. I have no knowledge of any of these listed below. Please DELETE ASAP SYNCB XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I had a XXXX dollar money order and I signed the back before getting to the check cashing place on XXXX and XXXX called check smart and they kept my money order saying it couldnt be cashed I believe that they stole my money this happened approximately XXXX of 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
XXXX released a relatively new service called XXXX XXXX - After promises were made by Customer Service agents- via chat and over phone calls. My service was being throttled from the very beginning and after months of back and forth trying to resolve the bottleneck - Multiple agents who were working from the XXXX made assurances about refunding my service fees. The agent 's promised refunds for months of service that were capped or throttled. But in the end the refunds were not issued and the customer service agents were blamed by upper management of not having the authority to issue refunds. So management would refer you to their customer support abroad, those agents would make promises they didn't intend on keeping. Only in the end to excuse that behavior and then charge for items that had been promised to be refunded but later would become the subject of debt collections. With no resolution after months of trouble shooting, management would wash their hands by saying their agents could not and should not have offered refunds. Faced with the decision of continuing with a service provider who could not solve the throttling issue- they then turned to blaming the Manufacturer of the device that I had purchased. A device that was provided and sold to me by XXXX XXXX. So the agents were not authorized to issue refunds for the service that was not provided and the device I had purchased from XXXX was left holding the blame for the throttled service. Never solving the issue of the throttled service, never holding their own agents responsible for refunds offered/issued, leaving me no alternative but to end my service and switch to another provider. After exhausting all options and realizing that they weren't going to take accountability for anything they had the nerve to tally a balance of well over a XXXX dollars and sell that to a debt collection agency. If you look on XXXX  or even XXXX  customer forums the items that were perpetrated against me seems to be a standard operating procedure for XXXX. Customer Service agents half way around the world wasting customers time, promising outcomes that were never supported, management lying about remedies and then immediately seeking relief via debt collection seems to be the way things were setup to benefit them, and them only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-04-29 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-29 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
At XXXX XXXX  on XX/XX/year> I received an email from my credit reporting company that a hard inquiry had been posted to my account. I did not recognize this activity so I looked up what had occurred. Found that there was a hard inquiry done by Capital One that I did not recognize. I called Capital One and explained what had happen to which I was informed they did not have any information in their system on an account or inquiry about a loan or credit card done with my information. Howver, I was not given an answer as to why I would have a hard inquiry on my credit report if they don't have any information of me in their system. After that I contacted the XXXX credit bureaus to inform them about the possible fraud and remove the hard inquiries from my report. And lastly I was informed to fill out a form to the CFPB so there was that record on file as well of improper use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 8 hard inquires on my Equifax report that has been getting me rejected on every single thing i apply for and the crazy thing about it is that everything was paid and been taken care of and it been there for so long i wouldn't mind i know that things like that might take time but i cant even get a secured cc not with me depositing // ive been doing great my score on all 3 credit bearue is over XXXX i dont want something i solved in the past to effect me now XXXX XXXX XXXX XXXX  // done paid in full and closed 8 hard inquires all ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-29 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: IL

Complaint narrative:
XX/XX/year> I reached out to these creditors and asked them to show verification on how these accounts were open. I made these companies aware that some accounts were opened inmy name that do not belong to me. They told me they were going to send out a fraud packet as well as the original documents used to open these accounts and they did not provide this. The informaiton they provided over the phone did not match my real true information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am submitting this complaint because TransUnion is reporting inaccurate and unauthorized accounts ( XXXX XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX # XXXX ) on my credit report in violation of the Fair Credit Reporting Act. My latest credit report, dated XX/XX/scrub> 2025, shows that only TransUnion continues to report two accounts that I did not authorize or give permission to be reported. These accounts were previously reported by both XXXX and TransUnion. On XX/XX/year>2025, I sent formal mailed disputes to both Equifax and TransUnion. XXXX properly deleted these accounts from my credit report after their investigation. However, TransUnion failed to do the same and continues to publish these inaccurate and unauthorized accounts, despite receiving the same dispute and documentation. By continuing to report these accounts, TransUnion is in direct violation of XXXX XXXX. XXXX ( b ) of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting accounts that were never authorized by me and failing to correct them after a formal dispute shows negligence and willful non-compliance with federal law. I have provided proper documentation and disputed these accounts through the correct legal channels, yet TransUnion refuses to act appropriately. Their failure to maintain maximum possible accuracy has caused me emotional distress, financial harm, and has put my consumer rights at risk. I am requesting that the CFPB require TransUnion to immediately remove the unauthorized accounts from my consumer report, correct my file for maximum possible accuracy as required by law, and provide written confirmation once the corrections are completed. I also request that TransUnion be held accountable for violating my rights under the FCRA.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation