vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage servicer, Mr. Cooper, is currently dual tracking, as confirmed by the mortgage servicer 's own representatives. 

I am the successor in interest to my late sister, XXXX XXXX, and I have been working with Mr. Cooper ( Nationstar Mortgage ) and Lakeview XXXX XXXX on a loan-modification review since XX/XX/year>. 

Despite submitting all required documentsincluding a full re-submission on XX/XX/year>, at the direction of a Mr. Cooper representative named XXXX XXXX. XXXX has continued foreclosure activity at the same time, which violates federal servicing rules under XXXX C.F.R. XXXX and XXXX XXXX XXXX. 

On XX/XX/year>, a Mr. Cooper representative named XXXX confirmed that the foreclosure never stopped, even though my online borrower portal still lists the modification as active, showing Underwriting Paused and Step XXXX of XXXX. 

I have not received any written notice of incompleteness, denial, or withdrawal. The last letter from Mr. Cooper ( dated XX/XX/year> ) only identified a new point of contact. A foreclosure notice from XXXX XXXX XXXX XXXX XXXX. dated XX/XX/year> now shows that foreclosure proceedings are moving forward while the modification remains open. 

This constitutes dual-tracking. I have documented : Screenshots from XXXX XXXX XXXX confirming the active modification status The XXXX XXXX XXXX foreclosure letter My XX/XX/XXXX email to XXXX XXXX resubmitting the complete package Call notes from XX/XX/XXXX confirming the foreclosure is active Proof that no required written notices were ever issued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against [ Portfolio Recovery Associates , LLC ] regarding the unauthorized use and handling of my personal and/or account information. 

This company appears to have obtained my personal or financial information from another company without my direct authorization or consent. I did not give permission for my information to be transferred, shared, or used by this company. 

I am concerned that my privacy rights have been violated, and I would like to know how and why my information was accessed or used. Additionally, I request that Portfolio Recovery provide proof of ownership or authorization for any alleged debt and remove any related negative reporting until this matter is fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries that appear on my credit report. I did not authorize these entities to access my credit file, nor did I provide written permission for them to obtain my consumer report, as required under 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ). 
The following inquiries must be deleted immediately from my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - World XXXX XXXX XXXX, XXXX - XXXX XXXX Bank ( XXXX ) XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX- XXXX XXXX XXXX. XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX These inquiries were made without my knowledge or consent and therefore violate the permissible purpose standards established by the FCRA. 
Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter and delete or block the inquiries that can not be verified as authorized by me. If the parties who initiated these inquiries can not provide documented evidence of my explicit written authorization, you must remove them immediately from my file.

Please send me written confirmation once these inquiries have been deleted. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX, as well as potential civil action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Thank you for your prompt attention to 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
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I've been back and forth with Nelnet since XXXX. They keep resending back with the most minor nonsense issues. Then they'll send it back again a month or XXXX later with another nonsense issue and kept my documents so now I need to reacquire them. They are purposefully doing this to keep receiving payment. Am I needing to reach out to attorneys at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Please provide confirmation in writing after the dispute is resolved and the status has been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems and/or Early Warning Services is reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete Block & Delete dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 

Attached to this complaint is my full dispute packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 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 2025-10-15 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: TX

Complaint narrative:
This account listing mischaracterizes my payment history and appears inaccurate. I respectfully request its removal after review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-15 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: Experian Information Solutions Inc.
State: SC

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 XXXX 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 XXXX 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.

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 2025-10-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-15 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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

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 2025-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to dispute several unauthorized hard inquiries that appeared on my credit report without my consent or any permissible purpose under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681b ). These inquiries were not initiated, authorized, or approved by me, and I have never applied for credit with the listed companies. 

These unauthorized inquiries are negatively impacting my credit score and constitute a violation of my consumer rights under federal law. I am requesting that the CFPB review this matter and hold the companies accountable for the misuse of my personal credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Timeline : XX/XX/year> : Chase Letter via secure message with settlement offer {$3700.00} by XX/XX/year> XXXX XX/XX/year> : Bank Check sent directly from XXXX to Chase XXXX XXXXXX/XX/year> : Chase secure message we returned your check uncashed XXXX  XX/XX/year> : CFPB Complaint XXXX submitted XXXX XX/XX/year> : Funds returned to my account & Bank Check reissued directly from XXXX to Chase XXXX XX/XX/year> : Chase updates CFPB Complaint XXXX we need more time to research XXXX XX/XX/year> : Chase Letter via XXXX  with settlement offer {$3700.00} by XX/XX/year> XXXX XX/XX/year> : OCC Complaint XXXX submitted XXXX XX/XX/year> : OCC Complaint XXXX updated XXXX forwarded to CFPB XXXX XX/XX/year> : OCC submits complaint on my behalf XXXX XXXX XX/XX/year> : Chase updates CFPB Complaint XXXX we need more time to research... 

As of XX/XX/year>, the second settlement check ( issued XX/XX/year> ) remains uncashed and unreturned. 
The time between the first check being issued ( XX/XX/year> ) and Chases claim it was returned ( XX/XX/year> ) was XXXX calendar days. The time now lapsed since the reissued check ( XX/XX/year> ) is XXXX calendar days. 

Even accounting for XXXX XXXX and XXXX XXXX XXXX delays, Chase should have received and processed the replacement check in early XXXX. This timeline demonstrates intentional non-processing of a valid payment, breach of a documented settlement agreement, and disregard for federal complaint procedures. 

By continuing to issue boilerplate need more time responses to both CFPB complaints and failing to act on a validly tendered payment, Chase is proceeding in bad faith and obstructing regulatory oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated the loan for refinancing my investment property for {$1.00} mil. 
They needed financial statements and appraisal and credit report. I gave them all the paper works they asked for and paid for appraisal. For 5 months, the loan is not closed yet and in fact, I had to revised the financial statements because it was too old and they told me that they need to pull another credit report as well for same reason and they wanted me to pay for credit report again and I declined. I have been contacting the loan officer and branch office as well.

At this time, I still don't know when the loan is going to close and loan terms yet. The loan terms I got is too old now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is trying to collect more then what is owed XXXX say the bill was {$97.00} collection about is over {$300.00} XXXX ) reported amount to Experian, XXXX XXXX XXXX is incorrect Please erase and delete all inaccuracies

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 2025-10-15 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: NV

Complaint narrative:
XXXX XXXX XXXX is trying to collect more then what is owed XXXX say the bill was {$97.00} collection about is over {$300.00} XXXX ) reported amount to XXXX XXXX  and transunion is incorrect Please erase and delete all inaccuracies

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 2025-10-15 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: NV

Complaint narrative:
XXXX XXXX XXXX is trying to collect more then what is owed XXXX say the bill was {$97.00} collection about is over {$300.00} XXXX ) reported amount to XXXX, equifax, and XXXX is incorrect Please erase and delete all inaccuracies

Company response to consumer: Closed with explanation