vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
After successfully completing the loan modification process and final paperwork, I was asked to select a monthly payment based on whether or not I would be paying the escrow shortage of {$2700.00}. I chose to pay the shortage and began to pay the lower payment of {$1800.00}. The company took the shortage payment and decided not to apply it to the escrow shortage but instead to a payment. Therefore they wanted me to pay {$2100.00} for XXXX, XXXX and XXXX. I had paid {$1800.00} for XXXX and XXXX then {$2100.00} in XXXX because they were demanding it. On XX/XX/year> they called me and stated I had not paid three payments and they were cancelling the Loan Modification. I tried to explain and the escalation representative XXXX, but he told me it was too late to do anything about it. I asked to be forwarded to a Supervisor and they stated that it would take 48 hours. However, I never received a call from a supervisor to discuss the issue. Many representatives have told me that the information on the website is always incorrect. I also stated that I would call or email the supervisor to get to the bottom of what was happening to me but they said their policy is to NOT give that information to customers. My credit score has also been negatively impacted. Therefore my hands have been tied and I have been very stressed and anxious as this situation is spiraling out of control and the company has been sent a detailed letter of my situation which I have yet to get any information as far as the solution that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
I, XXXX XXXX, am disputing inaccurate and misleading credit reporting by TransUnion and Experian concerning my XXXX XXXX account ending in XXXX. 

On XX/XX/XXXX, my wife and I signed a formal Loan Modification Agreement with Rocket Mortgage, effective XX/XX/XXXX. Under this agreement, my loan was restructured with a fixed interest rate and a modified monthly payment. I complied with the agreement until the account was fully paid and closed on XX/XX/XXXX. 

Despite this, TransUnion continues to report rolling 30, 60, and 90-day late payments from XXXX through early XXXX and again in XXXX XXXX. Experian marks the account with a Late Payment designation. These derogatory notations are false and contradict both the modification agreement and federal law. 

Equifax, by contrast, correctly reports the account as Pays as Agreed, Paid and Closed, {$0.00} balance. This proves the other bureaus are furnishing inconsistent and inaccurate information for the same tradeline. 

Violations CARES Act 4021 : Accounts in forbearance, deferral, or modification due to COVID-19 hardship must be reported as current if they were current at the time of the arrangement, and may not be reported as worse-off.

FCRA 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. Reporting derogatories during a formal modification is inaccurate and misleading.

FCRA 1681i : Upon dispute, credit reporting agencies must conduct a reasonable reinvestigation.

Metro 2 Guidelines : Mortgage accounts under modification must carry proper condition codes ( such as CP Loan Modified ), not rolling delinquency or Late Payment flags. 

Harm Because of these violations, I have suffered : Lowered credit scores, Denials of credit and approvals only at higher interest rates, Increased insurance screening risk Emotional distress, reputational harm, and financial hardship.

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 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: AL

Complaint narrative:
I have had a car loan for over 4 years. I have paid over XXXX XXXX towards it. They are saying I have only paid XXXX dollars towards my car loan. This makes no since. After I asked them to review my account as this was only a 5 year loan, they refused and just demand payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
XX/XX/year> received text message regarding payment for debt collection. 
Amount : XXXX Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The accounts in questionXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. 
Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective 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 2025-09-02 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: Nelnet, Inc.
State: CA

Complaint narrative:
I'm requesting from XXXX XXXX XXXXXXXX, proof of student loans in addition to an agreement signed by me to sell or buy my private information for the purpose of receiving funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/year> The collections account to be removed completely and permanently from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX Reported Balance : {$1500.00} Date Reported : XX/XX/year> The collections account to be removed completely and permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
This is a follow-up dispute with new evidence regarding the XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ) that Experian previously XXXX as verified. 

Under FCRA 611 ( a ) ( 7 ), I am demanding the XXXXXXXX XXXX XXXXXXXX. Experian must provide : The name, address, and phone number of the furnisher contacted. 

The method ( XXXX ) used to verify this account. 

Copies of all documents relied upon. 

New Evidence : My XX/XX/XXXX credit report shows contradictions : Experian lists {$440.00} past due, Equifax lists {$570.00} charge-off, and XXXX  lists {$440.00}. Payment histories also contain long XXXX XXXX gaps. This proves the account is incomplete and unverifiable. 

Legal Violations : 611 ( a ) ( 5 ) ( A ) : Unverifiable info must be deleted within 30 days.

611 ( a ) ( 7 ) : You must disclose the XXXX  details above.

607 ( b ) : Maximum accuracy standard violated.

623 ( a ) ( 3 ) : Furnisher can not report as undisputed once disputed.

623 ( b ) : No reasonable reinvestigation occurred.

605 ( a ) : Re-aging suspected ; purge date XX/XX/XXXX exceeds allowable XXXX years. 

609 ( a ) : I am entitled to full file disclosure, including documents relied upon.

Louisiana Civil Code Art. XXXX : Account prescribed after XXXX  years ( last payment XX/XX/XXXX expired XX/XX/XXXX ). 

Demand : If Experian can not provide the XXXX with documentary proof, this tradeline must be immediately and permanently deleted from Experian, Equifax, XXXX, and all specialty reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
XXXXI am writing to formally dispute and request the blocking of all information on my credit report that has resulted from identity theft, in accordance with my rights under 15 U.S. Code  1681c-2 of the Fair Credit Reporting Act (FCRA). I am submitting this dispute via the Consumer Financial Protection Bureau (CFPB) and request that it be treated with the urgency and seriousness required by federal law.XXXXI have been a victim of identity theft. Accounts and/or inquiries were fraudulently opened or made in my name without my knowledge, authorization, or consent. This unauthorized activity has caused harm to my credit report and financial standing. I am including an FTC Identity Theft Report  to substantiate my claimXXXXLegal Basis: 15 U.S.C.  1681c-2XXXXUnder the Fair Credit Reporting Act, specifically 15 U.S.C.  1681c2(a):XXXXA consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of:XXXXAppropriate proof of the identity\n\nA copy of an FTC identity theft report\n\nDisputed/Blocked Items\n\nThe following entries are fraudulent and must be blocked or removed immediatelyXXXXUnauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress not belonging to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXXThese accounts/inquiries were not authorized by me and were obtained using my stolen personal information.\n\nDocuments Included\n\nI have enclosed the following documents:XXXXA copy of my government-issued ID and proof of addressXXXXA copy of the FTC Identity Theft ReportXXXXThank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
Dear Cfpb : I am disputing the accuracy of two reported 30-day late payments on my Eastern Bank installment loan ( account number beginning XXXX XXXX XXXX XXXX XXXX XXXX 

My credit reports with XXXX, XXXX, and XXXX  currently reflect 30-day late notations for XX/XX/year> and XX/XX/year>. These entries are inaccurate and misleading for several reasons : I had automatic payments arranged for this loan, and it was always my intent to pay on time. 

If a payment was delayed, it could only have been due to ( XXXX ) a medical emergency hospitalization during that timeframe, ( XXXX ) failure to properly receive billing statements at my home address, or ( XXXX ) a processing/posting delay on Eastern Banks end . 

I never received clear notice of delinquency at the time, which would be required under federal law if a payment was late. 

The account is otherwise in good standing, with consistent payments and a responsible management history. 

These isolated late notations are not a true reflection of my creditworthiness and undermine years of positive credit behavior. 

Violations of Law FCRA Accuracy Requirements Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information that it knows or reasonably should know is inaccurate. Given the circumstances ( medical hardship, possible misapplied payments, and failure to provide statements ), the reported late payments are misleading at best.

FCRA Duty to Investigate and Correct Under 15 U.S.C. 1681s-2 ( a ) ( 2 ) and 1681i ( Section 611 ), both
Eastern Bank and the credit reporting agencies have a legal obligation to promptly investigate disputes and remove information that is incomplete, unverifiable, or inaccurate within 30 days. 

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 Creditors must send accurate, timely billing statements and ensure payments are applied correctly. If Eastern Bank failed to send or process statements, any resulting late reporting is invalid. 

Consumer Financial Protection Act, 12 U.S.C. 5531 Reporting derogatory information under these circumstances is an unfair and deceptive practice ( UDAAP ) that harms my credit standing without justification.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-02 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-02 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-03 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: TX

Complaint narrative:
I am writing to dispute the reported late payment on my account. My records show that every payment has been made on time. This reporting is false and is causing unjust harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Account numbers XXXX XXXXXXXX and XXXX under pro collect are on my credit report stating I owe them balances of {$3500.00} and {$2600.00}. I never signed any lease agreements with these people nor did I ever have a bill under my name that was registered to that address of location. These collections are for an apartment I never obtained keys to. Please remove this off my credit report. Thank you for your time.

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 2025-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Weinstein, Karp & Associates, Inc.
State: IN

Complaint narrative:
On XXXX  WEINSTEIN, KARP & ASSOCIATES, INC contact me at my job resulting in disciplinary actions from my employer as we are not allowed to to receive personal non work related phone calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Supplemental Evidence Submission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, we submitted our formal complaint and supporting binder ( Exhibits AJ ) regarding XXXX XXXX  misconduct and wrongful foreclosure activity. 

We are now providing supplemental exhibits ( KN ) and an additional call record ( XX/XX/year> ) to demonstrate continued foreclosure activity despite our good-faith efforts to resolve this matter. 

I want to stress that I am prepared to make a hardship withdrawal from my XXXX in an effort to keep my familys home, further demonstrating our commitment and ability to resolve this matter if given fair opportunity. 

Relief Requested : Reinstatement of our loan through the HUD Partial Claim Acceptance of ongoing monthly payments Correction of false arrears/credit reporting Halt to foreclosure activity and attorney fees Thank you for including these supplemental materials with our original complaint.

Company response to consumer: Closed with explanation