vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Subject : Request for Assistance Reporting Potential Mortgage and Insurance Fraud Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am reaching out to formally report what I believe to be mortgage and insurance fraud involving my mortgage company, XXXX XXXX ( formerly known as Mr. Cooper ), and XXXX XXXX XXXX XXXX XXXX. 

Here is my situation : I contacted my mortgage company and informed them that I wanted to switch my homeowners insurance. Since my escrow payments go directly through them, I relied on their guidance and believed the change had been made. 
Nearly 10 months later, I received notice that my escrow account was short. After investigating, I discovered that XXXX homeowner insurance policies had been in place and paid out of my escrow without my knowledge. 
At the beginning of the year, I was forced to cover a {$3200.00} escrow shortage caused by these duplicate payments. 
I later received a letter from XXXX XXXX XXXX XXXX stating that they had not received my renewal payment. I informed them that their policy should have been canceled over a year ago when I switched providers. That was the first time I realized I had been paying for XXXX policies. 
Since then, I have reached out multiple times to both XXXX XXXX and XXXX XXXX XXXX XXXX. Each continues to give me the runaround. XXXX refuses to refund the money, claiming that is not their policy, while the mortgage company insists I was supposed to submit a cancellation letter, even though I made a verbal commitment and was never told otherwise. 

As a first-time homebuyer, I was unaware of this cancellation requirement. I relied on the information provided to me by my mortgage company, and they failed to give me accurate guidance. I believe both companies are acting in bad faith and refusing to take responsibility. 

This situation has cost me over {$2700.00}, which I can not afford to simply lose. Other insurance representatives Ive spoken with have stated that in these situations, companies typically refund the overpayment once a declaration page is provided. However, XXXX XXXX and XXXX XXXX XXXX XXXX have refused. 

I am requesting your agencys assistance in investigating this matter and helping me recover the money that was wrongfully taken from my escrow account. My mortgage company deducted these funds, and I strongly believe they should be responsible for securing the refund from XXXX XXXX XXXX XXXX rather than leaving me without recourse. 

I feel I have been pushed aside and taken advantage of, and I need the support of your office to ensure this is handled fairly. 

Thank you for your time and attention to this matter. Please let me know what additional information or documentation you need from me to move forward. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A loan servicer reported a late payment in error in XX/XX/2024 and I sent a letter in asking for it to be removed. They approved my request, but my bank ( Bank of America ) used this an an opportunity to lower my credit limit to a number closer to my utilization. This caused my utilization percentage to jump drastically and made my monthly payments impossible to keep up with. I contacted the bank and provided them with a copy of my documentation and the loan servicer 's decision. Bank of America refused to resolve the issue and approve my request. I went to a local branch and spoke with the general manager who attempted to contact the claims department in XX/XX/2024. They were unhelpful and suggested I take out a loan to consolidate my debt. This has caused a significant drop in my credit score and has limited my financial options to the point that I am now struggling financially.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX To Whom It XXXX Concern : I am writing regarding account XXXX, which you are reporting as a collection item. Under the FDCPA XXXX, XXXX am requesting a debt Validation of this debt. Please provide complete information on the original creditor, original account number, the date the account was open, the last payment, the amount of the original debt, and itemized statement showing the amount of debt and any additional fees or charges. Also, please provide that you are authorized to collect debt in the state of Texas. 

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act 15. USC. 1686, you must provide verification of this debt to those agencies upon request.

Currently, I dispute the validity of this debt under 15 USC XXXX Please verify this debt in writing and provide all information requested above within XXXX  days. 
If validation is not provided, I will expect this item to be removed from my credit report and further collection activity to cease. 

sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Applied for a Chase card on XX/XX/year>. Received and email right away saying they are reviewing it and will be in touch soon. XXXX nothing and called in to XXXX on XX/XX/XXXX and the automated message said they where still reviewing it and once a decision had been made I would be notified in XXXX business days. I called in on XX/XX/XXXX, as was told that I was declined but I needed to call in between the hours of XXXX to find out why. I was not notified of the decline or the reason why from Chase. This is outside of the required XXXX days. No emails from Chase where in my junk email and all my XXXX mail is scanned so I would see if something was sent and possible not delivered to my mailbox. There was no letter that was mailed to me. I called Chase on XX/XX/year> and was transferred from customer service then to the XXXX department, then to the leading department, then to the fraud department. With no resolution on this matter. All they would say was its now out of the XXXX days and I would need to apply with not reason given on what is going on and the reason for the decline. They are out of compliance under the Equal Credit Opportunity Act and not Adverse Action was sent to me via email or mail. The phone number I called for then on XX/XX/XXXX, should have said they needed more information if that was they case, but as previous stated it said that it was still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
What Happened This is a follow-up complaint regarding [ XXXX / Equifax / XXXX XXXX . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I am disputing the late payment reported on my credit file, as it is clearly inaccurate. My records confirm consistent, on-time payments, and this entry is an unjust error that undermines my creditworthiness.

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 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have sent several letters to them, including a copy of the email, showing the Department of Education dropping the loan on XX/XX/XXXX. A letter on XX/XX/XXXX. XXXX in XXXX, telling them to " Cease and Desist. '' A letter dated XX/XX/XXXX letting them know I was contacting a lawyer, again. I then received a letter from Nelnet saying they were checking into " Theft Identity ''. I sent them a letter dated XX/XX/XXXX, reminding them I was not filling out paperwork about Theft Identity. I wanted them to " Cease and Desist '' and that I would be contacting the Department of Education, the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX. I received a letter from Nelnet dated XX/XX/XXXX. Telling me that they " received a request from at least XXXX of the national credit reporting agencies to investigate your claim for theft identity through the Fair Credit Reporting Act ( FCRA ). '' This needs to stop, and quit checking into a theft claim. I WANT THIS STOPPED NOW. I have the email stating the Department of Education dropped this. I am sending it as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was burglarized Thursday night XX/XX/XXXX Friday morning XX/XX/XXXX My phones, electronics, and vehicle were stolen from my home while I was asleep. I notified the police and have an incident and police report number. The thief got into my phone, changed the pin code to my cashapp and then proceeded to cashapp themselves {$3000.00} dollars in XXXX separate transactions. {$1000.00}, {$2000.00}, and {$53.00}. I didn't have any phones to initiate a chat with them right away. I had to wait until they opened at XXXX and called and asked if I still had my money. They responded that there were the XXXX transactions mentioned above. They started a dispute for me but did not put any details. I was denied. I filed an appeal where I attached the police report, the phone receipt showing I had to get a new phone same day and I got into it about XXXX. It even shows in their transactions that a new phone was added. I even had text messages from the thief stating he would return the money but his cashapp is frozen. None of that has happened. I messaged cashapp every day adding evidence and they denied my appeal stating a pin was used, however, the person who robbed me is the XXXX who changed the pin and because they had access to my phone they were able to get the XXXX step verification info via email/text. I keep going in circles with cashapp. They keep telling me a XXXX will email me but they keep emailing me the same document stating a security pin was used and won't listen to me. This man is now being charged with burglary and grand theft auto and cashapp doesn't seem to care at all that the police are involved and still won't return my money. I need it to pay my rent by the XXXX or i will be homeless. Please assist me with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX * XXXX * *, Date Opened : XX/XX/year>, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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