vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage is serviced by NewRez. I use my banks bill pay feature to automatically send payments, and they have always arrived on time. In XXXX, NewRez increased my escrow amount but I didnt notice, and dont recall receiving prior notification. Because the amount sent was now slightly short, NewRez treated my timely payment as incomplete and placed it into unapplied status. This triggered a late fee, even though I saw the check clear and believed the bill had been paid. 

The following month, when my bank again sent the mortgage amount ( with the same shortfall ), NewRez applied the previous months unapplied funds, making that payment now " complete '' ( but late ), while the current month 's was now short. This created a snowball of late fees and unapplied payments. 

On or around XX/XX/XXXX, I called NewRez and explained what happened. I asked for the late fee to be waived, given my XXXX credit score and spotless payment history. The representative agreed to waive one late fee and said the other required supervisor approval. I confirmed with the agent : " If I pay the new, correct amount on time next month, Im good no more late fees? '' The agent said yes. 

I paid the new amount on time the next cycle but when I received my XXXX statement, it showed two months ' payments due and yet another late fee. I called again on XX/XX/XXXX and spoke to a representative named XXXX, who reviewed my account. She said that neither late fee had been waived and that my request to waive the new fee was denied. I then escalated to a supervisor. After considerable effort, she agreed to waive the latest fee but did so condescendingly, calling it a " courtesy '' and suggesting I set a calendar reminder. I found this incredibly dismissive and inappropriate given the circumstances. 

To make matters worse : NewRez pushed me to enroll in their autopay system, which requires them to have direct access to my bank account, something Im not comfortable with.

Their online payment history tools are extremely confusing I work in finance and still had trouble understanding how payments were applied.

This situation was caused by a small escrow adjustment I wasnt clearly informed of, but has led to multiple late fees, unapplied balances, and hours of phone calls all while I was making timely payments in good faith. I believe NewRez has acted unfairly, misrepresented what would happen, and failed to apply even the fee waivers they promised.

I've included a screenshot of my payment history as an illustration of how confusing it is to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I am writing to formally report that i am a victim of identity theft and credit card fraud. Recently i discovered that someone has used my personal information and credit card without my permission.These unauthorized actions were done without my knowledge or consent and have caused serious concern regarding my financial security and personal information. I am writing to dispute fraudulent information on my credit report as a result of identity theft. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX limit Both this account is fraudulent and was opened without my permission and used too!!!

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 2025-07-11 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: KS

Complaint narrative:
XXXX XXXX\nDOB: XXXX\nSSN: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nDATE: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n19016\n\nSubject: Dispute of Fraudulent Information Under 15 U.S. Code \n1681c-2 (Identity Theft)\n\nTo Whom It May concern\nI am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S.\nCode  1681c-2, which provides protections for victims of identity theft.\nI am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that Experian block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed:\n\nDisputed Accounts:\n\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\n\nEnclosed are the required documents to support my dispute, as required under 15 USC 1681c-2:\n1. A copy of my government-issued photo ID\n2. A police report or identity theft report (as defined under 15 USC\n 1681a(q))\n4. A statement explaining that the information listed above resulted from identity theft\n\nUnder 15 USC  1681c-2, you are legally obligated to block this information within 4 business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file.\n\nThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.\nSincerely,'

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 2025-07-11 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: KS

Complaint narrative:
XXXX XXXX\nDOB: XXXX\nSSN: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nDATE: XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n19016\n\nSubject: Dispute of Fraudulent Information Under 15 U.S. Code \n1681c-2 (Identity Theft)\n\nTo Whom It May concern\nI am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S.\nCode  1681c-2, which provides protections for victims of identity theft.\nI am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that Experian block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed:\n\nDisputed Accounts:\n\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\n\nEnclosed are the required documents to support my dispute, as required under 15 USC 1681c-2:\n1. A copy of my government-issued photo ID\n2. A police report or identity theft report (as defined under 15 USC\n 1681a(q))\n4. A statement explaining that the information listed above resulted from identity theft\n\nUnder 15 USC  1681c-2, you are legally obligated to block this information within 4 business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file.\n\nThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.\nSincerely,'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I disputed charges from a merchant I wasnt familiar with and they denied the dispute because the representative failed to dispute all charges from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year>, the vehicle associated with my auto loan was deemed a total loss. XXXX XXXX issued payment in the amount of {$7500.00} directly to XXXX XXXX XXXX XXXX XXXX to cover the remaining loan balance. I have attached official documentation from XXXX confirming both the payment and the total loss status of the vehicle. Despite receiving the insurance payment, the lender failed to update their records and instead improperly reported inaccurate information to the credit bureaus. Around the same time, XXXX XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX, and during that transition, the account was sent to collections. Rather than resolving the matter with the insurance payment in mind, the account was allowed to escalate and was eventually marked as charged off, where it remains today. This sequence of events reflects a clear failure in internal processing and responsible reporting, and it has resulted in serious and ongoing harm to my credit profile. Since then, I financed another vehicle and have successfully paid it off in full, further demonstrating my responsibility as a borrower. I have made several attempts to get in contact with the lender and collection agency as well as the credit bureau obtain a full explanation and validation of the remaining balance, but no one has been able to provide documentation, a payment history, or any evidence that a balance was legitimately owed after the insurance payout. Additionally, this account is being reported with a XXXX XXXX inconsistency it is listed as both charged off and past due, which violates industry standards and the Fair Credit Reporting Act ( FCRA ). Once an account is charged off, it should no longer report a past due status. This dual reporting is misleading, inaccurate, and unlawful. This issue has caused me significant mental and emotional stress. This unresolved and inaccurate charge-off is now actively hurting my chances of qualifying for a home loan and damaging my credit profile. I am being penalized due to a reporting error outside of my control, and it is now directly interfering with major life goals. PLEASE HELP!

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX is reporting my name incorrectly as XXXX XXXX instead of my legal name, XXXX XXXX XXXX. They are also showing inaccurate addresses. My only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The incorrect address XXXX XXXX XXXX XXXX XXXX XXXX must be removed. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. If XXXX fails to correct this, I will pursue my rights under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. I'm asking the CFPB to take action and ensure XXXX provides me with written confirmation once the inaccurate personal information is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized XXXX transactions withdrawn from my Citibank checking account, which Citibank has refused to reimburse despite evidence that my account was compromised. 

The disputed transactions are : XX/XX/2025 {$990.00} XX/XX/2025 {$300.00} XX/XX/2025 {$200.00} On XX/XX/2025, I contacted Citibank to dispute these transactions ( Dispute Number : XXXX ). However, on XX/XX/2025, Citibank denied my claim, stating that their investigation concluded the transactions were made from my account using XXXX. 

On XX/XX/2025, I appealed their decision and requested all documentation and evidence used in their investigation ( XXXX XXXX ). A new dispute was opened under reference XXXX. During this call, I reiterated that while these XXXX payments were initiated through my account, I did not authorize them and have no knowledge of how my credentials may have been accessed. I have not knowingly shared my online banking credentials with anyone. 

On the day of the unauthorized transactions XX/XX/2025 I was in transit on a flight from XXXXXXXX XXXX to XXXXXXXX XXXX  My flight departed at XXXXXXXX XXXX XXXXXXXX and arrived in XXXX at approximately XXXX XXXX XXXX. I was traveling the entire day and was not monitoring my account activity during this period. 

Importantly, I received no XXXX or Citibank notifications alerting me to these transactions. The only alert I received was a text message at XXXX XXXX on XX/XX/XXXX from Citibank asking if I attempted a {$300.00} transaction with XXXX XXXX XXXX, to which I replied No. That was my first indication of suspicious activity. 

On XX/XX/2025, I faxed Citibank supporting documentation, which included : My flight itinerary confirming travel on XX/XX/2025 Screenshots showing a lack of XXXX notifications The Citibank fraud alert text received at XXXXXXXX XXXX on XX/XX/XXXX Despite this, on XX/XX/2025, I contacted Citibank and was informed that they had mailed a letter on XX/XX/XXXX stating their investigation outcome remained unchanged, and no refund would be issued. 

This experience has caused me significant stress and financial burden. I believe Citibank has failed to fully investigate my claim in accordance with the protections afforded under Regulation E for unauthorized electronic fund transfers.

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 2025-07-10 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-10 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: CA

Complaint narrative:
I submitted an FTC identity theft report and asked Experian to delete the fraudulent accounts from my credit report. They ignored my request and did not remove the accounts. I need the CFPBs help to make sure Experian follows 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