vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Earlier this year, Mr Cooper failed to pay my home insurance. They sent the wrong amount so progressive insurance sent the check back and explain to them they could only accept the full correct amount. Mr Cooper never sent anything back and never made me aware of the situation, instead they placed different insurance on my home, even though they made the mistake and new what was going on. By the time I figured it all out and got everything fixed, they only refunded part of my money because they claimed I had to pay for the place insurance during the time it was on there, even though once again it was their mistake. A couple months later I purchased a new policy and made the escrow and insurance department at Mr Cooper aware that the policy had been paid in full and that I needed an email address so I could send over the new information. I spoke to two different people and multiple times made them aware that I had already paid for the policy and that they were no longer to pay anything toXX/XX/XXXX but starting next year they would be payingXX/XX/XXXX out of me escrow at the time of renewal. These XX/XX/XXXX just XXXX couple days after the conversation, sent XXXX a check bringing my escrow beyond negative. My house pay has gone up over XX/XX/XXXXXXXX and they have done absolutely nothing to fix their mistakes. This company has so many XX/XX/XXXX complaints, I'm not sure how they are still in business. This is a shady company and something needs to be done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/year> I created an account with TransUnion for the purpose of freezing my credit report with them. I used their main sign up page for credit monitoring. From my understanding after being on the site for a while and speaking with an agent they appear to have 2 different account types. 1 account, which I am fully unable to access or create is solely for the credit score viewing. The other account for " XXXX XXXX '' like reporting and freezing. It DOES NOT show your credit score. At no point in their account creation process do these 2 different accounts show clearly. No matter what I try to gain access to or create an account for the Credit Score their website redirects me to the Services account page and errors out when trying to access the score. The service account has the ability to view the score, for {$1.00}, and the tactic their customer service agent ( XXXX ) demanded I follow. They gave no help when it came to getting on to the right page for free score access, and refused to acknowledge the problems with the redirections. They state that the account I was on only allows for purchasing of the score. There is absolutely no reason for them to separate out these 2 system. My only conclusion is that this is a specific tactic on their part, by advertising free but making that free score impossible to get, in an effort to get people to purchase the score for {$1.00}. It is a bait and switch at best.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I emailed XXXX to request the cancellation of my membership. On XX/XX/XXXX, I received a response stating that my request had been forwarded to the appropriate team, and I was advised to call XXXX or email XXXX for updates. 

On XX/XX/XXXX, instead of receiving confirmation of the cancellation, I only received a payment reminder. Around this time, I called your customer service line to follow up. During that call, the representative confirmed that the membership would be canceled and informed me that I would only be charged approximately {$36.00}. I was ready and willing to pay that amount immediately using my debit card. However, the agent stated they couldnt accept payment at that time and advised me to wait for a bill. 

Despite my timely efforts to cancel and resolve the matter, I continued to be billed, and no proper action was taken. I now see that a {$150.00} charge has been sent to collections, which I do not agree with, as I made a good-faith effort to cancel well in advance and even offered to settle the balance I was told I owed. 

I am requesting that this matter be reviewed and resolved immediately, and that the collection charge be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX | XXXX XXXX : XX/XX/XXXX | SSN : * -- XXXX XX/XX/XXXX To : CFPB Consumer Complaint Division Re : Dispute & Demand Discover Bank Account Ending XXXX / XXXX XXXX XXXX Dear CFPB Team, I am filing a complaint regarding Discover Bank Account Ending XXXX, which continues to be reported by all three major credit bureaus. 

The account is over XXXX XXXX XXXX, and must be permanently deleted under FCRA 605 ( a ).

The bureaus attempt to report an inaccurate age or first delinquency is illegal.

This continued misreporting constitutes multiple violations, with statutory damages currently totaling {$9000.00}. 


Demands Non-Negotiable : XXXX. Permanent deletion of this account from all credit reports. 


XXXX. Written confirmation from each bureau. 


XXXX. Payment of statutory damages or direct contact to negotiate settlement to avoid litigation. 



Supporting Evidence : Screenshots showing continued reporting CFPB complaint reference # XXXX Please investigate and confirm deletion and payment within 14 days. Failure to act will result in legal action under FCRA. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

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. 
Creditor Name : [ XXXX XXXXXXXX ] Account 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 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a bill requiring a minimum payment of {$29.00} on a balance of {$460.00}. At that time, my credit limit was {$7600.00}. I made a late payment on bill due XX/XX/XXXX. As a result, the company reduced by credit limit from {$7600.00} to {$500.00}. I called the company to understand why my credit limit was reduced so substantially. After talking to several agents, the company agents told me, explicitly, that the reduction in my credit limit and review of my credit was due to XXXX late payments, which triggered the credit review. Up until that conversation, the company had NEVER NOTIFIED me of XXXX late payments. I recognize that I made a late payment for the XX/XX/XXXX bill, but I had no reason to believe I had made XXXX late payments. Since those agents admitted fault on behalf of the company regarding the reduction in my credit limit, I sought for them to fix their mistake, i.e., to restore my credit limit. At this point, rather than admit their mistake, the company has proceeding to hide behind a clause in their card agreement allowing them to make any changes as they see fit. However, as multiple agents told me, the action of lowering my credit limit only occurred because they claimed I had XXXX late payments, when I only had XXXX. Rather than admit their mistake and do the correct thing- restore my credit limit - the company continues to act in bad faith regarding this situation. Again, multiple agents of the company told me that a credit review only occurs upon a customer having XXXX late payments- since I did not have XXXX late payments, nor did the company provide me of any record of XXXX late payments, until after I reached out to them, the company action should never have happened. Simply put, the company is lying to its customers, apparently routinely withholds information from its customers, and rather than admit they made a mistake, they are hiding behind a clause and lying to me and the CFPB about this incident. 

There is a simple and easy correction for the company to make regarding its mistake and that is to restore my credit limit. This is a clear example of the company making a mistake and the correct response would be to fix this mistake. For some reason, the company would rather obfuscate, belittle, and lie about their mistake instead of correcting the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Summary of Charges that currently show on my card are as follows : First on XX/XX/year> for {$6600.00} and a second charge on XX/XX/year> for {$6600.00}, then, a THIRD charge on XX/XX/year> for {$6600.00}. 

The INVOICE is for {$13000.00} BUT when you add up these charges from different vendor names, they total {$19000.00}. 

This is an overcharge of {$6800.00}. 

I am disputing the charge in XXXX for {$6600.00}. 

The credit card company, CITIBANK, ruled in favor of the vendor and the dispute code was labelled as product never received. The product was received. My dispute is very clear. I provided the invoice and the charges are clearly detailed on my statement. There is no question of fact that I have been grossly over charged, and yet, I can not get the charge removed from my card balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, Navy Federal Credit Union claims to have issued a credit for {$300.00} but, this is not entirely true. I provided a screenshot below, for your viewing pleasure. This is because NFCU moved my account into delinquency status for the same amount. As soon as the debt was cleared, access to my records was completely restricted. NFCU claims I'm able to utilize the message center or speak to someone at a local branch but this is a lie. Not only, have I been denied complete online access, the tellers at the bank refuse to furnish me with information regarding my records. If possible, could you please help me resolve the issue at hand? 

United States XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
A transaction was made in error and ive tried reaching out to the merchant to obtain a refund and they denied me per XXXX XXXX XXXX reasons. I've tried disputing through PNC Bank and was even willing to send them proof that I've tried to contact them. I did not receive any provisional credit like I normally would or any letters regarding if they needed more info. It's been a week and a half since. I called PNC on XX/XX/year> ( today ) and I was informed that it was verified as an accurate transaction. So I had to file another dispute and the lady who I called today was very helpful but its the fact the company verified as an accurate transaction without trying to obtain more info to back up my claims it wasnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am extremely frustrated that fraudulent accounts have been placed on my credit report without my knowledge or approval. I did not open them, I never consented, and yet they are being reported with different, conflicting details by each bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
Im writing to follow up my request on your consideration in removing late payment entries from my credit report related to the accounts listed below. I understand how important it is to make payments on time, and I take full responsibility for falling behind. These missed payments werent due to neglect, but rather unexpected challenges and Ive made it a priority to get back on track and stay current since then. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I am absolutely furious with your blatant failure to respond to my request for an investigation into the inaccurate accounts and inquiries on my credit report. It is beyond clear that you have NOT conducted a reasonable investigation, despite the fact that I provided more than enough information to satisfy your obligations. Your inaction is not only irresponsible, it is illegal. You had a legal duty to fully investigate these disputes, and your failure to do so is a violation of my rights under the law.

Let me remind you, this request is governed by the Fair and Accurate Credit Transactions Act ( FACT ACT ), which mandates that disputed items be deleted when supported by a police report ( Public Law 108-159 ). The FACT law establishes national standards for data blocking, and requires you to block any information related to identity theft within FOUR BUSINESS DAYS of receiving a police report.

You have no excuse for ignoring this. You should already have a copy of my police report and/or FTC affidavit in your records, so I expect immediate action on these items.

Specifically : Identity theft through financial transactions : These accounts do NOT belong to me. Remove them IMMEDIATELY, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and FACT ACT.

Identity theft through public records : These accounts do NOT belong to me. Remove them IMMEDIATELY, as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and FACT ACT.

Unwarranted Inquiries : Every single unauthorized inquiry on my credit report must be removed, and the rem
aining, valid inquiries should be properly aggregated. Again, this is in line with FACT ACT 15 U.S.C. 1681. 


XXXX CARD Account Number : XXXX * * * * XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
My financial values are not properly shown in the credit report.

Company response to consumer: Closed with non-monetary relief