vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Mr. Cooper ( Nationstar Mortgage ) continues to mishandle my FHA mortgage loss mitigation review and did not address several critical servicing errors in their prior response ( CFPB Complaint ID : XXXX ). 
XXXX. Refusal of Assistance Funds- In XXXX, I was approved for {$50000.00} from the Mortgage Assistance of Alabama program. Mr. Cooper refused to accept or apply the funds while they were available ( even confirmed on a XXXX recorded conference call with Mr Cooper and Mortgage Assistance of AL ), worsening my delinquency. This money was specifically intended to cure arrears and would have reduced my delinquency, making me eligible for the Recovery Standalone Partial Claim. This refusal violated HUD 's loss mitigation waterfall, which requires servicers to apply the least harmful option first. 
XXXX. Misclassification of XXXX  - Their records incorrectly list one of my bankruptcies as XXXX XXXX when it was in fact a XXXX XXXXXXXX. This error has been repeated in multiple letters and directly affected their calculation of " prior workouts '' and available Partial Claim allotment. 
XXXX. Improper Payment Application - My payment history includes unapplied and reversed payments ( for example, XXXX XXXX XXXX XXXX  ), which inflated my arrears and interest. Despite repeated disputes, these errors remain uncorrected. 

Because of these errors, Mr. Cooper improperly denied me for the Recovery Standalone Partial Claim and instead is forcing a modification at XXXX XXXX  interest for XXXX XXXX, inflating my balance by nearly {$100000.00} and extending my maturity to XXXX. FHA servicing rules require servicers to first offer the least harmful option under the FHA loss mitigation waterfall. I can afford my contractual payment of {$1600.00}, and I should have been approved for the Partial Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VT

Complaint narrative:
I pay all my credit cards on time XXXX XXXX  starting in XXXX reported the wrong balance reported the wrong balance again and XXXX reported the wrong balance again in XXXX now were coming into XXXX. They have the same balance {$3200.00} and XXXX XXXX XXXX Im having trouble borrowing money, a new car and its keeping my credit score down the credit card right now has a XXXX balance I talked to XXXX XXXX  they would not help me at all. They said the balance they reported is the correct balance thats an out and out lie. I disputed this with Trans Union XXXX XXXX XXXX  twice according to them XXXX XXXX  refuses to give them my account balance. Im totally confused. This is never happened to me before.

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 2025-08-26 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: OH

Complaint narrative:
I am filing this complaint against the XXXX nationwide consumer reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. My recent credit reports ( XX/XX/year> and XX/XX/year> ) show serious and unlawful discrepancies, including the illegal re-aging of accounts, improper reporting of charge-offs, and reclassification of current accounts as negative without basis. 
Specifically : XXXX. XXXX XXXX XXXX Previously reported as current and paid as agreed. It was reclassified as a negative account in XX/XX/year> without delinquency or documentation. 
XXXX. XXXX XXXX XXXX XXXX repossession account that has been closed/charged off, but continues to show new XXXX day late notations in XXXX. This is an illegal practice known as re-aging, expressly prohibited by FCRA. 
XXXX. XXXX XXXX XXXX This account is charged off but continues to be updated with false payment/delinquency activity, misleading creditors and damaging my credit profile. 
XXXX. XXXX XXXX XXXX Reason for Dispute : This account reflects a charge-off with a long string of derogatory reporting. Im Dispute accuracy of reporting demand for validation. Please provide full documentation or remove the item.- FCRA Basis : 611 ( a ), 609 ( a ) ( 1 ).

These actions violate : - FCRA 623 ( a ) ( 1 ) ( A ) : prohibition against furnishing inaccurate information. 
- FCRA 611 : failure to properly reinvestigate and correct disputed items.

- FCRA 607 ( b ) : failure to assure maximum possible accuracy of consumer reports.

Requested Relief : - Immediate correction or deletion of these inaccurate accounts across all three credit bureaus. 
- Assurance that these items will not be reinserted without proper verification as required under FCRA 611 ( a ) ( 5 ) ( B ). 
- Confirmation of compliance with FCRA obligations, and oversight from CFPB to ensure accountability. 
These inaccurate and illegally updated reports have caused substantial harm to my creditworthiness and ability to obtain credit. I respectfully request that the CFPB investigate and compel Equifax, Experian, and TransUnion to comply with the law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEMis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
To : Credit Reporting Agencies XXXX XXXX XXXX TransUnion ) Re : Formal Dispute - Account # XXXX XXXX XXXX XXXX XXXX  Consumer : XXXX XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate and unverifiable information reported by XXXX XXXX XXXX XXXX regarding account # XXXX XXXX XXXX XXXX XXXX This dispute is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
FACTUAL DISPUTES : Inaccurate Payment History : The reported XXXX late payment is factually incorrect and lacks proper verification. 
Failure to Meet FCRA Requirements : Under 15 U.S.C. 1681s-2 ( b ), the furnisher must conduct a reasonable investigation. The creditor has failed to provide adequate documentation supporting this derogatory mark. 

LEGAL GROUNDS : Metro 2 Format Violations : Under the Metro 2 reporting standards and FCRA 623, all information must be complete and accurate. This account shows procedural reporting errors. 
Procedural Due Process ( Fuentes v. Shevin, 407 U.S. 67 ) : The reporting of negative information without proper verification violates procedural due process rights. 
FCRA Section 611 ( a ) ( 1 ) ( A ) : I dispute the completeness and accuracy of this information. You must investigate within 30 days or remove this item entirely. 
Case Law Precedent - Cahlin v. XXXX XXXX XXXX XXXX, XXXX XXXXd 1151 : Creditors can not report information they can not verify through reasonable procedures. 
DEMAND : Remove this entire tradeline immediately or provide complete verification including : Original signed credit agreement Payment history with dates and amounts Account statements showing the alleged late payment Chain of custody documentation Failure to comply constitutes a willful violation of FCRA 616, subjecting you to actual damages, statutory damages up to {$1000.00}, and attorney fees under 1681n.

Respectfully,

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX I am responding to your contact about an alleged debt. This is a request for validation of the debt, made pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including an itemization of any fees or interest. 
A copy of the original signed agreement or contract that verifies my liability. 
Proof that your agency is licensed to collect debts in my state, if applicable. 
Documentation that you are authorized to collect this debt. 
Be advised that until you provide proper validation, you must cease all collection activities, including reporting this debt to credit bureaus. If you have already reported it, you must immediately request its removal until the debt is validated. 
This letter is not an acknowledgment that I owe the debt, nor is it a refusal to pay. It is a formal request for proof of validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have always made my payments promptly, and these reporting discrepancies are both unjust and unlawful.

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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Kikoff Inc.
State: IL

Complaint narrative:
I am filing this complaint against Kickoff regarding how my account and credit reporting have been handled, as well as the improper guidance I received from their representatives. 

On XX/XX/year>, I spoke with the following Kickoff representatives : XXXX XXXX first representative. 

XXXX second representative ( who refused to provide his full name ). 

XXXX XXXX supervisor. 

During these interactions, I was told conflicting and improper information. Supervisor XXXX XXXX stated that in order to correct or adjust my late payment reporting for XXXX, I was required to : Write a Goodwill Letter and send it to XXXX with the subject line Goodwill Adjustment. 

Provide a medical reason as justification for why I was late. 

Accept that even after providing this sensitive personal information, the adjustment may not be granted. 

This is highly concerning and inappropriate for several reasons : Medical Privacy Violation : I should not be compelled to disclose private health information in order to exercise my rights under the FCRA. This request is coercive, intrusive, and irrelevant to the accuracy of credit reporting. 

Misleading Guidance : The representatives failed to provide a clear, factual basis for why my late payment can not be corrected without disclosing medical information. Instead, they placed the burden unfairly on me with no guarantee of resolution. 

Unfair Treatment : When I requested clarification from XXXX, he refused to provide his full name, which is unprofessional and makes accountability impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
What happened is that both XXXX  and Experian are reporting multiple derogatory items on my file that are not only inaccurate but clearly the result of data breaches and mishandled information-sharing practices. For instance, they are showing a XXXX account with a balance of {$0.00} but still labeling it as a charge-off, which is contradictory and misleading. They are also reporting a XXXX  XXXX XXXX XXXX  collection with an active balance of {$520.00} that I have no record of ever owing, and an old XXXX XXXX account dating back to XXXX  with a charge-off status that I know has been incorrectly handled. These accounts appear to have been reintroduced or carried over despite my prior disputes, which makes me believe the bureaus are simply recycling bad data instead of verifying accuracy as the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) explicitly requires.

The law makes it clear that when a consumer disputes information, the bureaus have a duty under 1681i to conduct a reasonable reinvestigation. A reinvestigation does not mean pushing the same data back into my file without independent verification. Furthermore, the continued reporting of these disputed accounts violates my rights under 1681e ( b ), which requires the bureaus to maintain maximum possible accuracy. If these accounts stem from a data breachas the patterns strongly suggesttheir failure to address and correct the inaccuracies shows a reckless disregard for both consumer rights and their statutory obligations. Creditors themselves, such as XXXX XXXX and major utilities like XXXX XXXX XXXX XXXX, have had long histories of complaints regarding mishandled consumer data and inaccurate reporting. These industry patterns make it even more critical that the bureaus take consumer disputes seriously instead of assuming the creditors word is final. 

Because of these errors, Ive experienced financial and emotional stress that has been overwhelming. Having derogatory accounts that I do not owe appear on my report has made me appear as a higher credit risk than I actually am, causing difficulty in applying for housing, higher interest rates on credit products, and even embarrassment when lenders question me about these accounts. It is not just a clerical mistake ; it is something that directly impacts my daily life, my financial stability, and my peace of mind. The FCRA exists to prevent exactly this kind of harm, and yet I am living through it because of their failure to follow the law.

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 2025-08-26 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: FL

Complaint narrative:
What happened is that all three credit bureaus are inaccurately reporting late payments on accounts that are fully paid, closed, and carry a XXXX balance with nothing past due. XXXX of these is a XXXX XXXX account ending in XXXX, which is showing a late payment on XX/XX/year> despite the fact that the account is paid in full and reflects a XXXX balance. The other is a XXXX account ending in XXXX, which is also being reported with late payments despite being closed, paid, and carrying no past due amounts. These derogatory marks are both misleading and harmful, and they appear to stem from a breakdown in data integrity, likely connected to the widespread data breaches that have plagued creditors and reporting agencies in recent years. When outdated or corrupted information is allowed to flow unchecked into consumer reports, the result is precisely the type of inaccuracy I am facing now. 

The Fair Credit Reporting Act is clear. Under 15 U.S.C. 1681e ( b ), the credit bureaus must ensure maximum possible accuracy in consumer reporting. By continuing to publish late payments on accounts that are indisputably paid and carry no past due balance, the bureaus are in direct violation of this requirement. Furthermore, under 1681i, once a consumer submits a dispute, the bureaus are obligated to conduct a reasonable reinvestigation. That does not mean simply confirming what the furnisher provides without evidence. If XXXX XXXX or XXXX can not substantiate a legitimate late payment on a zero-balance account, then the derogatory mark must be corrected or removed. Continuing to report otherwise demonstrates willful neglect of both the law and my rights. 

The harm caused by these inaccuracies is not theoretical. These false late payments have damaged my creditworthiness, making it harder to qualify for favorable loan terms, raising my cost of credit, and subjecting me to unnecessary scrutiny when lenders review my history. Beyond the financial consequences, there is a deep emotional toll in seeing my responsible payment history distorted into something that paints me as negligent. I should not have to repeatedly chase corrections for accounts that by their own terms show no balance and no delinquency.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IA

Complaint narrative:
On XX/XX/XXXX I called and asked to have an upcoming disputed charge blocked. Was told it would be and was charged a fee. On XX/XX/XXXX they processed that transaction and paid the charge. I called to complain and they put my account on hold. My XXXX deposit, which is my sole source of income is deposited into that bank. I tried to change that but XXXX  said it will not take effect until XXXX. I can't survive with no money for food or utilities for a month. They are not only going to hold my next deposit, but all the money I presently have in that account. Today they reversed that charge, though the retailer says they haven't. The hold on my account remains. They are trying to force me to make a XXXX mile trip to the nearest branch in the XXXX area to resolve this, when I have no vehicle, ca n't drive, and they are blocking me from all of my money. I'm XXXX and have XXXX. I've pleaded with them to send me the papers to close this account so I can fill them out, have them notarized at the courthouse a few blocks from here, and return them. This is abuse of the XXXX, and highly unrteasonable. They're stealing me money and causing me extreme undue hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have always made my payments promptly, and these reporting discrepancies are both unjust and unlawful.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I dispute the Santander Consumer USA auto loan ( acct ending XXXX ). The vehicle was taken from my private driveway in violation of UCC 9-609 ( b ) ( 2 ) ( breach of peace ). Santander failed to provide timely, compliant Notices of Sale/Deficiency required by UCC 9-611 & 9-614, making any deficiency invalid. The reported balance is inflated and unverifiable and the sale not shown to be commercially reasonable ( UCC 9-610 ). Furnishing a charge-off and past-due status is inaccurate and violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692e. I have disputed directly with Santander and the bureaus and attached supporting notices and my dispute letter. 
I dispute the Santander Consumer USA auto loan tradeline ( Acct XXXX ). The account is reported as charged off with a deficiency balance of {$20000.00} following repossession. This reporting is false, inflated, and legally unenforceable. 

Violations in Repossession & Deficiency Breach of Peace UCC 9-609 ( b ) ( 2 ) : Repossession is lawful only if conducted without breach of peace. My vehicle was taken directly from my driveway without consent or judicial process, constituting breach of peace. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ). 

Failure of Proper Notice UCC 9-611, 9-614 : A creditor must provide accurate, timely notices of sale and deficiency. Santanders notice was deficient, vague, and failed to explain how the deficiency was calculated. Courts hold deficient notices invalidate deficiency claims ( In re XXXX, XXXX B.R. XXXX ( XXXX. XXXX. XXXX ) ). 

Commercial Reasonableness of Sale UCC 9-610 ( b ) : The deficiency claimed is inconsistent with alleged sale proceeds, suggesting the sale was not commercially reasonable. Burden of proof is on creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX B.R. XXXX ( XXXX. XXXX XXXX XXXX ) ). 

Federal Consumer Protection Violations Fair Debt Collection Practices Act FDCPA 1692e : Reporting and attempting to collect inflated, unenforceable balances is deceptive and misleading. 

Fair Credit Reporting Act FCRA 1681e ( b ), 1681s-2 ( b ) : Furnishers must ensure maximum possible accuracy and investigate disputes. Continuing to report this account without validation violates these duties. See Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ). 

Privacy & Consumer Rights Gramm-Leach-Bliley Act, 15 U.S.C. 6801 : Santanders communications contained disclosure language inconsistent with federal privacy obligations. 

State Law Massachusetts General Laws ch. 93A ( Consumer Protection Act ) : The unfair, deceptive practices in the repossession, notice failures, and inflated balances constitute violations, exposing Santander to treble damages and attorneys fees.

Company response to consumer: Closed with non-monetary relief