vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
We received our escrow analysis for the new year and it went up three times as much. We began to look into it as they were showing us comparisons of our XXXX escrow to XXXX escrow analysis and not taking XXXX in account, showing a shortage, which was never addressed. This was over the phone a month ago. I filed a ticket with their escalations team. Nothing was coming from this so I filed tickets and through their research department we came to find out our mortgage company is saying we are short on our hazard insurance that we canceled in XX/XX/XXXX. This is not true. Our mortgage company sent a check for escrow to our insurance company in XX/XX/XXXX for {$2300.00}. We were covered from XX/XX/XXXX through XX/XX/XXXX until we canceled, insurer canceled, where our insurance company refunded XXXX {$960.00} that was immediately deposited right back to our mortgage company. Our mortgage company completed " research '' and advised {$1300.00} was unaccounted for. When I advised this was the earned premium with our previous insurance company and they needed to go back and run their numbers and reanalyze our escrow, they came back with another research ticket saying that the {$960.00} was issued to us and that was it. I replied again, saying yes it was and deposited right back to them, as referenced in their original research document to me, and that this should not show a short on our account and needs to be readjusted. They have been working on this for a month and no one is doing anything. I feel like they are trying to confuse me, keep throwing " research '' at me not addressing the issue in hopes I'll give up and they can make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am writing as the approved sponsor of my XXXX XXXX  Cash App XXXX account ( XXXX XXXX ), which is currently frozen. When she receives her next direct deposit this week, her account will have a balance of approximately {$1400.00}, consisting entirely of direct deposits from her employer ( legitimate earned wages ).

The freeze appears to have been triggered by a malicious report from another teen ( XXXX XXXX  ) during a personal disagreement, unrelated to any financial transaction. Despite multiple attempts to resolve this through regular customer support, we have been unable to gain access to her funds.

Because this is a sponsored teen account, I have full authority to act as guardian and am prepared to provide : Proof of sponsorship and guardianship, My government-issued ID, Documentation of her direct deposits ( pay stubs and deposit records ).

This situation is causing unnecessary financial harm to my daughter by withholding wages she has legally earned. I respectfully request that Cash App : Immediately reinstate access to her account, or Issue a check for the frozen balance payable to her.

Please advise on the next steps required to resolve this matter. If necessary, I am prepared to escalate further through the XXXX, CFPB, or other appropriate channels. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: MA

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 2025-08-19 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NY

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 ] 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 2025-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
XX/XX/year> we received a preapproval from the bank for XXXX we have to increase that to XXXX due to the market and that was done XXXX days later. would you require a {$33000.00} at closing?. we gave them all the information we checked on everything at the XXXX paperwork finished. We also paid $ XXXX an XXXX and we also paid {$1000.00} down for the title. We are less than XXXX week away from closing and the XXXX XXXX call us and said we have a problem that we recurring another {$44000.00} above the XXXX for the FHA loan. I said thats got ta be wrong she said. Because of the Dti ratio, I asked how that changed. And its a huge increase of XXXX for some reason due a few days before were closing .. even my real estate agent couldnt believe what was going on. Now we talk to the loan XXXX on a recorded line, she said oh we denied you for your DTI as well. FHA stipulations in the loan from the seller my boyfriend said to her that is crazy for a down payment of {$84000.00} due for an XXXX loan is at 45 %. I feel like were trying to be swindled for extra money down and something just doesnt seem right even my real estate agent said that .. as soon as we had an attorney, they pretty much closed out and said we had to fix Child Support this had to fix this and that and like didnt even give us a chance to fix any of that for XXXX week away from closing and now we are homeless in a few days. There wasnt any talks of fixing anything we even asked if theres anything we need to pay off they said no were gon na combine everything. Everythings good just to lie to our faces and try to swindle us out of more money at the end of the loan I believe thats impossible breach of contract. We have XXXX to honor their loan and they said no even my real estate agent thinks theres something shady that went on.. I believe they violated the contract

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX my nephew won the lottery for XXXX dollars he cashed the ticket in and was given a check for XXXX dollars he didnt have a bank account yet so we deposited the check into my account we did a mobile deposit the mobile deposit kept saying that it wasnt deposited into the account so me and him went to chase bank to do the deposit in person the teller said the check will clear in a few days so I gave him the XXXX in cash so when it was finally cleared they close my account because they said that Ive stolen the check from my nephew we went to the bank numerous times with all of our identification to show to them that the lottery check wasnt stolen and now its been going on a year and some months now and they still havent released the funds that was deposited into my account saying that because his phone number caller ID doesnt say his name so they cant release the money or mail a check out to him because they cant verify that its him but remind you that we have been in the bank together with a bank manager from chase bank on the phone with someone from corporate showing the bank manager our state IDENTIFICATION and birth certificate and social Security card and they saying they can not release the money all because his caller ID on his phone doesnt show his name when they look it up in their system and this phone number is on his bank account that he started with them a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
My mortgage servicer, Mr. Cooper, violated the Real Estate Settlement Procedures Act ( RESPA ) by failing to respond to multiple Notices of Error and Requests for Information within the required timeframes under 12 CFR 1024.35 ( e ) and 1024.36 ( d ).

Now they are recommending my loan for foreclosure despite their RESPA violation due to multiple unanswered requests for information by phone, online correspondence and certified mail. This has been a very frustrating On XX/XX/year>, I submitted a written request for a documented explanation of my {$230000.00} loan balance. On XX/XX/XXXX, they acknowledged receipt, promising a 30-business-day response, but never responded or provided an extension. 
On XX/XX/year>, I requested a written explanation of a {$32000.00} second lien in my loan modification. I sent another certified letter in XXXX to the XXXX XXXX, which was acknowledged on XX/XX/XXXX, promising a response by XX/XX/XXXX but no response was provided. 
On XX/XX/XXXX, I sent a certified letter requesting all of this information. 
On XX/XX/XXXX and XX/XX/XXXX, I repeated my requests. On XX/XX/XXXX, Mr. Cooper sent a letter that stated a RESPA Response to Notice of Error admitting that they did not respond to my my requests for the details of the loan modification. 
Despite these pending and unresolved disputes and their own admission of noncompliance my home has been placed in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation