vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
The mortgage servicer placed the loan in a medical forbearance beginning in XX/XX/XXXX due to the borrowers XXXX XXXX I was told reasonable exit plans would be available with a total of XXXX months. Although, I was notified the forbearance ended in XXXX months, XXXX weeks prior to the exit. 
Prior to the medical emergency, the loan was current, including after receiving XXXX assistance in XXXX. The medical forbearance is scheduled to end on XX/XX/XXXX. 

The servicer recently sent a letter stating that the only option is to pay the full past-due amount in one lump sum. The letter did not list any loss-mitigation options such as a payment deferral, repayment plan, or modification, and no instructions were provided on how to request assistance. Earlier in XXXX, a modification review was submitted, but the last ( XXXX ) of the trial payments was returned due to a bank error unrelated to the borrower, and ample notice of the error was given to Mr Cooper prior by us, although shortly after, we received notification that the trial plan was canceled and forbearance had begun. 

No one from the servicer requested updated income documentation before issuing the most recent denial, even though income has stabilized and regular payments can resume in XXXX. The servicer has not provided the required information under federal servicing rules, including : specific denial reasons, investor requirements, available options, or an appeal process. 
A Notice of Error and appeal letter have been submitted, but the servicer continues to provide only a lump-sum reinstatement option. 

The borrower is recovering from XXXXXXXX XXXX and has completed all treatments most recently was diagnosed as XXXX free. We has documented the medical hardship, and are able to resume normal payments. The servicers handling of the forbearance transition appears inconsistent with federal loss-mitigation requirements and XXXX XXXX protections for medical hardship. I am requesting review and correction of these servicing errors and a proper evaluation for a partial payment deferral or modification of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have my student loans through NelNet, which has been horrible thus far. The loans are in my father 's name, and even though I am the one paying on them, I can not create my own account to see the payment information, due dates, etc. I tried calling them about it but was only able to login with his information, which worked for a day. I am incredibly disappointed with their communication, lack of emails, texts, etc. with how much money I am paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> and XX/XX/year> Wells Fargo Card Services ran my credit information without my acknowledgment or consent. These applications and cards were not submitted by me. I did not provide my information to Wells Fargo or any third party. 
On XX/XX/year> I noticed these inquiries on my Credit report. 
On XX/XX/year> I spent 1 hour and 15 minutes on hold with the fraud department with Wells Fargo to get disconnected. Then I called back again and was on hold with them for 2 hours. Again being disconnected and never getting to talk to the fraud department to have them remove my hard inquiries and file a claim for fraud.

I have no accounts with Wells Fargo, not banking or credit cards.

The customer service was awful, no one helped me and wasted over 3 hours of my time today.

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 2025-12-02 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: AZ

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Cedars Business Services reached out to me on XX/XX/year> about a debt in the amount of {$190.00}. This amount was not owed because of an isolated incident that occurred with XXXX XXXX. When I attempted to dispute the debt and gave them the contact information of the individual at XXXX XXXX who was handling this issue, Cedars claimed that they do not speak with XXXX XXXX and that they would research the validity of this debt. How can a company do that when they say they cant speak with XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CBC Companies, Inc.
State: ID

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had two credit cards with Bank of America for a number of years. I had it set up with both accounts to make minimum auto payments each month. Then, without saying anything, the bank turned off auto payments, so that in XXXX, I did not make the minimum payment due. Then, without any further notification that I was late, after thirty days, Bof A reported me as having a past due amount over thirty days late to all three credit bureaus.

As I work really hard to have an exceptional credit score, this was both unfair and unreasonable.

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 monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers.

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ).

These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

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 2025-12-02 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:
I am disputing the following accounts on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries TU : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I havent used the XXXX for weeks before charged and after got charged., I cancelled my XXXX trial before the renewal date, but the charge still went through. I have not used any premium features after cancelling, and I do not plan to use them at all. The issue seems to be on your end because this happens every time when I click on cancel, it does not go through, and I end up having to request a refund manually. Please process my refund for this charge., I haven't used the platform before and after the charge. So technically I am eligible for full refund on unused useless subscription., I cancelled this subscription still got charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
For roughly four months from XX/XX/XXXX, I have been in a constant cycle with USAAs fraud activity and security teams regarding disputes and unauthorized transactions involving my savings and checking accounts from losing {$10000.00} out of savings. During this time, I have repeatedly provided documents, evidence, and any information they requested to help resolve the situation. Despite many phone calls and assurances that certain actions would be taken, I often later discovered times that nothing had been done, requiring me to resubmit information and start the process over again.

After months of waiting, I was informed that my temporary credit would be reversed because they claimed no suspicious activity was found, even though there were clearly unusual patterns of withdrawals made from my account. Throughout this process, I also received an overwhelming amount of hand paper mail from USAA of disputes and temporary credits, adding to the stress. 

Most recently, after everything I have gone through and all the evidence I have provided, Some time on XX/XX/XXXX I was emailed that my account had suspicious activity causing me to go in a complete panic just for them to say the security team wanted me to change the password to my account making me very angry that they used that way to get my attention after all the stress of my account. Only two days later on the XX/XX/XXXX Unaware to find out that USAA froze my account, unaware why just for them to tell me that I am considered a high-risk customer and that they will no longer provide banking services to me. This has been extremely discouraging and frustrating, especially considering I have been a member for five years, beginning with my first job and saving every dollar I could. It is difficult to understand how, after years of responsible membership and a situation I did not cause, I could be labeled high-risk despite clear evidence that something was not right with my accounts.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I requested my free annual credit reports from the Annual Credit Report website. Experian asked for an authorization code they texted to me, but there was no input box to enter the code. I could not get my Experian report. I went to the Experian website and had numerous issues trying to get my free report without success and could not get any customer service to respond. Next, I tried calling their customer service number, and their AI bot gave me the runaround with looping requests for information and trying to sell me my credit score. It never gave me access to my online credit report. It acted like it was clueless. I see a problem on the TransUnion report that might be identity theft, so I really feel desperate to see my Experian report today. As for TransUnion, I tried to get help about the possible identity theft issue on their website customer service, but there was no way to do it. So I tried calling them and could not get through to a real person either, and the TransUnion AI bot also gave me the runaround with requesting information to be entered over and over again but providing no help or answers. I can not get ahold of anyone, and I've spent hours on this. I am so frustrated and worried, and I do not know how to get help from Experian or TransUnion with this identity theft concern and my reports.

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 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Debt collection company : CAPITAL ONE XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Repeat calls, emails & texts If a consumer notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi charged interest on a balance paid off via transfer before statement close, violating average daily balance calc under Reg Z/CARD Act My statement ended on XX/XX/XXXX when I was charged {$120.00} in interest fees on a balance transfer balance despite having fully paid my balance via another balance transfer on XX/XX/XXXX. Because there was no balance to charge interest on, I believe I shouldn't have been charged interest. 

I asked a CSR to waive the fees and they said they could not. I asked them to show me where in the agreement I was to be charged on a fully paid balance and they did not. I asked them to escalate me to a Supervisor and they said the fees could not be waived.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My credit card account was involved, I think, in a data breach. The billing address and other info on my account was changed, I couldn't receive any more statements. I charged an XXXX purchase to my account for {$140.00} on XX/XX/year>, the same week a fraudster was taking out cash advances on my accounXXXX XXXX XXXX XXXX the purchase I made through XXXX was transferred to the newly created, fraudulent account. I was unaware of the fraudulent account. ). I could no longer receive paper statements to my address. I learn of the fraud through XXXX XXXX XXXX. I forgot about my XXXX purchase. When learning of the fraud, I contact credit card company Wells Fargo. I declare all previous transactions are fraud ( I forgot about my legitimate XXXX purchase ( I could view no statements still ) ). I realize the XXXX purchase was legitimate when they email me, asking for payment on XXXX ( Credit card company put reversed transaction on XXXX purchase, ... XXXX wanted paid a different way now ). I pay XXXX with a different credit card to satisfy them. I alert original credit card company that the original purchase was legitimate. The credit card company XXXX XXXX ( because it is their policy to do so? ) without my knowledge. So, XXXX has been paid once, had it reversed, been paid again by a different method, and paid yet again by the credit card company Wells Fargo. The credit card company puts the XXXX charge back on my account. And I dispute it. Even though I dispute the charge, .. the credit card company eventually reports my account as delinquent. My XXXX XXXX becomes damaged. After a final investigation of the XXXX charge by Wells Fargo,... they say XXXX owes me the difference. I pay Wells Fargo to get them off my back. I contact XXXX again. After several inquiries, ... XXXX feels they were double-paid for the order in question, .. and refunds me the extra charge. 

By now, my XXXX XXXX has suffered a significant loss, which I feel is not my fault. How did my initial Wells Fargo charge to XXXX get put onto a frauduently created account in the first place? Wells Fargo placed a reversed transaction on my XXXX order, which I paid using my XXXX card. Why did Wells Fargo pay for the XXXX order a second time? Why did XXXX not recognize the order was paid for twice at this point, and automatically refund me? Why, .. when I had a renewed dispute over this ongoing charge from Wells Fargo XXXX ... did they report my failure to pay for the disputed charge, and let their collections department keep calling me for repayment, ... as well as reporting the missed payments to the credit reporting agencies? How can I get my misrepresented XXXX XXXX fixed?

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I called Citibank Simplicity in response to a letter I received from them. I had requested an account be reopened and the letter informed me they couldn't process the request because my credit was frozen. It said to call back once it was taken care of. I called them today and had a horrific experience. The customer service representative said his name was " XXXX XXXX '' and his employee number is XXXX. The language barrier made it impossible to communicate with him what the issue was I was trying to resolve. However, he refused, flat out refused, to transfer me to a supervisor. He told me to call back another time. This is after I waited over XXXX minutes on hold to talk to him.

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