vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am filing a complaint against Mr. Cooper for failing to properly issue and account for my escrow surplus funds. 

A surplus check for {$3100.00} was supposedly issued on XX/XX/year>. I never received this check, never endorsed it, and did not deposit it. 

When I called, the servicer told me the check was endorsed but not legible, but they could not tell me who supposedly endorsed it, where it was deposited, or provide any copy of the check or endorsement. 

My escrow records show a total surplus difference of {$5600.00}, but the company has been unable to explain where these funds went. 

I requested copies of all escrow activity and check images, but Mr. Cooper did not provide them. I have documented XXXX calls with dates and representative names where I asked for this information. 

Because these funds were not properly credited to me, I went into escrow deficit and remain impacted by that shortage today. 

I am requesting the CFPB require the servicer to : XXXX. Provide copies of the original surplus check XXXX. Provide a copy of the endorsement they claim is not legible XXXX. Provide full escrow account activity from XXXX XXXX. Explain the disposition of the missing {$5600.00} XXXX. Correct any escrow shortage caused by this error XXXX. Refund any misapplied or missing escrow funds This appears to be a RESPA violation, a failure to investigate a disputed transaction, and a failure to provide required escrow documentation upon request. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I had another bank that was more far out in order to go and take out money so I opened this one so I can be able to access money doing like a transfer to transfer from my actual bank to this bank and they literally froze my account due to the way I signed online. I cant make no deposits. I cant take no money out. I cant pay bills! They asked me to submit a whole bunch of documentation. Im wasting my time going back-and-forth to the branches. Im calling on the phone and everybody is just giving me to go around telling me that I have to wait till the fraud department theyre gon na call me and nobodys calling and its been a month. I need my money. I have bills to pay. I dont have time to play with these people. They keep sending emails saying my statements is ready to view online. I cant even access online like, whats really going on???? Its sad that I have to file one of these because they being neglected!

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a complaint regarding an inaccurate and misleading collection account being reported by Equifax for a XXXXrelated debt. The reporting contains multiple inconsistencies that violate the FCRAs requirement for maximum possible accuracy. 

* * Account Details ( as reported ) : * * Original Creditor : XXXX XXXX : {$83.00} Date Opened : XX/XX/year> Payment Status : Collection/Chargeoff Comments : Consumer disputes reinvestigation in progress. Subject has not satisfied debt. 
Date Last Active : XX/XX/year> Last Reported : XX/XX/year>XXXX XXXX XXXX Issues with the XXXX : * * 1. * * Incorrect and Impossible Date Last Active. * * A collection account should not be assigned a new Date Last Active of XX/XX/year>, especially when no payments, updates, or consumer activity occurred. This artificially re-ages the account and misrepresents the true timeline. 

2. * * Incorrect Collection/Chargeoff Payment Status. * * A third-party collection agency can not report a chargeoff. Only an original creditor can charge off an account. Reporting the status as Collection/Chargeoff is inaccurate and misleading. 

3. * * Misleading and Unsupported Comments. * * Equifax continues to display : Consumer disputes reinvestigation in progress.

Subject has not satisfied debt. 
These are not accurate representations of any verified investigation outcome, and they imply conclusions that have not been proven or documented. 

4. * * Missing Required Information From the Furnisher. * * The report does not clearly identify the collection agency, ownership of the debt, or any documentation of assignment or transfer from XXXX. Equifax is reporting an Original Creditor : XXXX but does not disclose who is furnishing the data. This lack of identification makes verification impossible. 

5. * * Incorrect Date Opened. * * The Date Opened : XX/XX/year> appears to be an internal reporting date, not the actual opening date of the original account. It creates the misleading impression that this is a newly established debt rather than an older obligation. 

6. * * Failure to Provide Maximum Possible Accuracy. * * Equifax is reporting contradictory and incomplete information, which violates : 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) 15 U.S.C. 1681i ( duty to reinvestigate disputes properly )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
I was placed on an XXXX  forbearance by Planet Home Lending at their instruction. I followed all requirements and checked in every three months to update them on my employment status. When I returned to work, I immediately notified them and provided all income and expense information so they could begin a loan modification review. 

Planet Home Lending confirmed that I was in a loan modification review and continued to request and receive documentation from me. I maintained consistent communication throughout the entire process. 

Suddenly, without any prior notice, I was told that I am not eligible for a modification because of a new law. I was never informed of what law changed, when it changed, how it affected my application, or why it applied to me even though my modification review was already underway. 

Planet Home Lending has not provided : A written denial, A specific explanation of the alleged law or guideline, Any notice of rule changes during the evaluation. 

I have now been told that foreclosure was filed on XX/XX/XXXX even though I was still in an active modification review. This appears to be a dual-tracking violation and a significant servicing error. 

I am requesting that the CFPB require Planet Home Lending to : Provide the specific law or guideline they are referencing, Explain how and why it applies to my already-in-process application, Provide a complete written denial letter stating all reasons, Reevaluate my loan modification application since I followed every instruction and submitted all requested documents, Halt foreclosure activity while servicing errors are being reviewed. 

I have acted in good faith throughout this process and am requesting a fair, transparent review consistent with federal servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
I am reporting multiple inaccurate and potentially fraudulent items on my credit reports, which I have disputed several times with XXXX, Experian, and TransUnion beginning around XX/XX/XXXX with the most recent disputes on XX/XX/XXXX. Despite providing documentation, these items remain unresolved. The disputed items include : collection accounts that I do not recognize or believe to be valid 1 charged-off account with questionable reporting and no response to my dispute Approximately 15 late payments across various accounts that are either inaccurate or due to circumstances Ive previously explained 3 unauthorized hard inquiries that I did not initiate or approve I am also concerned that these issues may be connected to a data breach or identity theft, as I have seen unusual activity on my credit reports that I can not link to any of my personal financial actions. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct reasonable investigations. However, I believe these investigations have been inadequate, as the items have been marked verified without justification or transparency. I am requesting that the CFPB investigate these issues further, ensure a full and fair review of each item, and require the removal of any unverifiable or fraudulent data from my reports. I am also requesting that the bureaus provide a clear explanation of how each item was verified

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a customer with Wells Fargo for over 10 years. I have almost always maintained regular direct deposits every two weeks. I make good income, and I have never misused my account or engaged in any fraudulent behavior. Because of this long and consistent history, I am extremely confused and disappointed by how the bank handled my recent dispute and by the severe actions they took against me revoking my debit card privileges FOR A YEAR, leading me to resort to another bank. 

I hired a photographer and paid two separate debit card transactions for one service : a deposit and a final payment. The photographer delivered extremely poor-quality work. The edited photos were heavily airbrushed to the point of being unusable, and the unedited images all contained watermarks, so I did not receive any usable photos at all. The photographer also refused to respond to any of my attempts to communicate or correct the issue. 

I filed a dispute for services not rendered as agreed. The bank treated the deposit and the final payment as two separate disputes, even though they were for one single service. This misclassification made it appear as if I filed multiple unrelated claims when in reality this was just one issue. 

The only other subsequent claim I filed this year was for a separate {$75.00} issue weeks later. Altogether, I technically filed only two claims in a short span. However, the banks automated system treated the photography issue as multiple disputes and incorrectly flagged my account as high-risk. 

The bank gave me a provisional credit but later denied the claim without properly considering the failure of the independent contractor to deliver usable photos, the poor quality of the service, or the lack of communication from the individual. 

On top of that, the bank revoked my debit card privileges for an entire year. I do not understand why this was done, especially given my long history, steady income, and the fact that I clearly was not engaging in fraud or excessive dispute activity. I feel the bank relied entirely on an automated system instead of reviewing my case fairly or acknowledging the context. 

I am requesting that the CFPB review the banks handling of my dispute, require them to provide a detailed explanation and documentation, and reconsider the denial of the claim. I also request that the bank correct the negative balance caused by their reversal and address the unfair debit card restriction placed on my account.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
DEBT VALIDATION REQUEST ( Fair Debt Collection Practices Act 15 USC 1692g ) XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Re : Request for Debt Validation Account No. : XXXX To Whom It May Concern : I am formally requesting debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ). This request is being made because I dispute the debt referenced by your company and require full verification before any further action is taken. 

Please provide the following : 1. Proof that Jefferson Capital owns or has been assigned this debt, including a copy of the bill of sale, assignment contract, or transfer agreement between Jefferson Capital and XXXX. 
2. A complete accounting and payment history, from the original creditor to present, showing how the amount claimed was calculated.

3. The original contract or agreement bearing my signature with XXXX XXXX XXXX. 
4. The full Date of First Delinquency ( DOFD ) as reported to the credit reporting agencies.

5. Verification that Jefferson Capital is legally licensed to collect debts in my state, including the license number. 
6. Name and address of the original creditor, and any previous collectors, if applicable.

7. A copy of all notices sent regarding this alleged debt, including the initial communication required under 15 USC 1692g ( a ).

8. Itemized breakdown of the balance, including principal, interest, late fees, collection fees, or any other charges added after the account was sold.

Until you provide the above information, please consider this letter as : A formal dispute, A request for validation, and A cease on all collection activity, including reporting or verifying to the credit bureaus, as required under FDCPA 1692g ( b ).

Please note : If you can not validate this debt, you must cease collection, and You must instruct all credit reporting agencies to delete any related tradeline, pursuant to the FCRA and FDCPA. 

I request that all future communication be in writing only. 
Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX I called Experian, as I had the other credit bureaus to have all of the addresses except my current one deleted. They are all 18+ years old and I need them removed. After having my current address verified and corrected I spoke with the specialist about this issue. She said there was no way they could do that because it was against their policy.

I called back afterwards and told the person what the first representative said. I asked for verification one way or another. He said it was not true and she must not have understood what I wanted. He transferred me to the second specialist who basically gave me the same story. Through the conversation and my asking what I could do and how to escalate it above Experian I was told you can't do anything about it. He finally gave me the CFPB name. He said all they will do is check to make sure we're not breaking laws and were not. I said thank you, ending the call. 

I have a right to my credit report. I also have a right to a dispute. I also have a right to request old or incorrect information be removed from my report. Where do I go from here when the company refuses? I sure hope you can 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 explanation