vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Please refer to CFPB XXXX # XXXX for complaint, response and divorce decree from court. 

CFPB ESCALATION COMPLAINT Against : Carrington Mortgage Services , LLC, XXXX XXXX XXXX  Product : Mortgage Issue : Incorrect credit reporting / Failure to investigate dispute Desired Resolution : Deletion of account from my credit report ________________________________________ COMPLAINT SUMMARY Carrington Mortgage Services , LLC is furnishing inaccurate and materially misleading credit information regarding a mortgage account that was assigned by court order to my ex-spouse as their sole responsibility. Despite receiving multiple disputes and copies of the divorce decree, Carrington continues to report the account under my name to XXXX XXXX XXXX XXXX 
I disputed this information with all three credit reporting agencies. Each bureau either verified the account or failed to conduct a reasonable reinvestigation, relying solely on Carringtons automated response and ignoring the court order.

Carringtons CFPB response dated XX/XX/year> improperly asserts that divorce decrees do not impact reporting, which is legally incorrect under the Fair Credit Reporting Act. Reporting me as financially responsible after a court order assigns responsibility to another party is materially misleading and inaccurate.

This conduct violates : 15 U.S.C. 1681s-2 ( b ) ( failure to conduct reasonable investigation by furnisher ) 15 U.S.C. 1681i ( a ) ( failure to reinvestigate by CRAs ) 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) I am requesting CFPB intervention to require deletion of this account from my credit reports and corrective action against the furnisher and credit reporting agencies. 
________________________________________ WHAT HAPPENED Mortgage obligation was assigned solely to my ex-spouse by divorce decree and court order Account is still reported under my name as if I remain responsible I disputed the account with XXXX XXXX XXXX XXXX  Bureaus verified the account without addressing court-ordered responsibility Carrington claims reporting is accurate based only on original loan documents No reasonable investigation was performed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: DE

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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-15 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: EQUIFAX, INC.
State: DE

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 theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
Company called on XXXX at XXXX while I was at work AFTER calling my employer first. Incredibly rude, would not give me any information over the phone or in writing about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took a payday loan out in XXXXXXXX XXXX XXXX XXXX XXXX In XXXXXXXX I started receiving collection calls and paid the amount they requested which included late fees. I believe this was around {$350.00}. Unfortunately, I dont have proof of payment. I started receiving more collection calls in XXXX through XXXX of XXXX for the same debt. This time, they threatened to sue me for more than {$2000.00}. They called both of my parents and left threatening voicemails to take legal action. I immediately called and I informed them that I already paid it years prior but because I didnt have proof, I was forced to pay it again. This time the settlement amount was {$500.00}, paid in full on XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER call threatening to serve me with legal papers this upcoming Wednesday for the same debt that I no longer owe. The threats alone would make any normal person feel forced to hurry and pay whatever amount they are asking for. They told me I was being sued for {$2900.00} for a payday loan for {$250.00} that was paid off years ago. Im glad that I asked for proof of payment this last time but its absolutely absurd that they can continue these threatening calls after the debt has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Second Alliance, Inc.
State: FL

Complaint narrative:
My credit has been severely impacted due to SECOND ALLIANCE INC filing an illegal collections for a student loan which I do not have. I have no knowledge of this company and nor have I been contacted by this company previous to seeing this collections placed on my credit file. The company reported I owe a balance of {$1400.00} for a student loan account. ALL of my student loan accounts are currently deferred. I did not sign any additional loan papers for a loan of that amount. The company has yet to produce an agreement/promissory note signed by me agreeing to pay for ANY services. Yet, I have been unjustly placed in collections and my credit rating has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I received a bill for {$290.00} stating I owe this when I never received a bill about the money owed I cant pay a bill if I never got a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint concerns an account being reported by Oportun that is inaccurate and unverifiable due to an identity mismatch. The account was opened under a former ITIN, not my Social Security Number, and Oportun has never provided documentation linking this account to my identity. 

On XX/XX/year>, I sent a written request for account verification. On XX/XX/year>, Oportun responded stating they were not subject to debt validation requirements and did not provide any documentation verifying the account. 

On XX/XX/year>, I sent a formal dispute under the Fair Credit Reporting Act requesting proof of the account, including the account number, documentation showing the balance reported ( approximately {$4500.00} ) is accurate, and a copy of the original contract or agreement. No documentation was provided.

I previously disputed this account with the credit reporting agencies and requested the Method of Verification on XX/XX/year>. The account was verified without providing lawful documentation or explaining how the verification was conducted. 

On XX/XX/year>, I sent a final notice identifying the identity mismatch ( ITIN versus SSN ) and XXXX failure to validate or investigate. Despite this, Oportun continues to furnish this account to the credit reporting agencies. 

Oportun is reporting information that can not be verified and has failed to conduct a reasonable investigation, in violation of the Fair Credit Reporting Act. I am requesting deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

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 4 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 30 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-15 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: AZ

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Transunion Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent inquiries that I have identified on my credit report are as followsXXXX 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 XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 explanation
Consumer complaint received 2025-12-15 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: PA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX I received a check via Priority Mail that I believed was from a private equity firm I had worked for, or possibly from someone associated with themI wasn't entirely sure. The check was made out to me, so I deposited it into my bank account. The bank placed a XXXX hold on the funds. 
XXXX days later, I was suddenly locked out of my online account. The next day, I received an email alert showing a withdrawal for the exact amount of the check. 
The bank is treating me as if I were involved in fraud. When I went to the branch in person and showed them the original mailing envelope with the sender 's name and address, they showed no interest in investigating who sent it. Their primary concern seemed to be closing my account altogether. I suspect this is because I maintain a low balance and am currently unemployed, so I don't generate much revenue for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: MN

Complaint narrative:
I have a conventional XXXX XXXX loan that was transfered to XXXX XXXX and is now serviced by CrossCountry Mortgage. My loan is for a duplex, started in XX/XX/XXXX, with an original loan amount of {$470000.00} and original property value of {$550000.00}. My current loan balance is approximately {$280000.00}, which is well below XXXX % of the original property value. 

I have been paying borrower-paid PMI of {$43.00} per month. I requested automatic termination of PMI under the Homeowners Protection Act ( 12 U.S.C. 4902 ), as my loan balance is far below the XXXX % XXXX threshold for automatic termination. 

Both XXXX XXXX and CrossCountry Mortgage have refused to remove PMI, claiming I must pay for an appraisal, despite this being a borrower-paid PMI request based on principal paydown, not appreciation. CrossCountrys escalation team admitted they do not have any guidelines and suggested I contact XXXX XXXX which does not service loans. This has resulted in improper PMI charges for months and unnecessary frustration. 

I want the companies involved to correct this and follow the Homeowners Protection Act requirements. 

I have attached the letter I wrote to XXXX XXXX when my XXXX went below XXXX % on XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 explanation