vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AP

Complaint narrative:
I am stationed overseas and rented my property while abroad. Before leaving I transitioned my homeowners to landlord insurance with the same agency and agent. 

Unbeknownst to me, mainly due to the deluge of spam from Mr. Cooper, a force hazard policy was enacted at XXXX market value of my landlord policy. This raised my payment from XXXX to XXXX. I didn't notice for two months. Upon noticing I immediately updated my policy information on mycoverageinfo on XX/XX/year> that showed the property had been covered the entire time. That information has been processed. One of the reasons I chose to self-pay was how poorly escrow has been managed.

It is very hard to contact customer support on JST, but I was able to reach customer support who stated that since it was over 30 days it could take additional time to process. I was then told my escrow couldn't be canceled because it had a negative balance. This is hilarious because I self-paid the insurance. The entire reason the escrow account is negative is due to their error. My understanding of insurance law is that forcing a hazard policy on an error resulting from negligence on their part is illegal.

Luckily I can afford to wait, but some people couldn't afford this negligence. Especially those overseas with me who find it hard to contact home during normal hours. Shameful behavior from Mr. Cooper who was recently acquired by XXXX XXXX 

I've attached the policy below identifying coverage during that time period while redacting personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
Back in XXXX I got hooked up with the company that was in a solid at my credit and they said I could back out at any time and all I had to do was cancel it and I was going to do my discover card and consolidate that and pay it off faster with a lower fee and at the last minute I backed out and I canceled it and then XXXX  days later I believe that company closed my discover account contacted discover and had my discover account closed and I did not authorize that now I owe this money to discover it and I have a closed account that was not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX complained about : TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Related company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX CFPB Complaint ID ( XXXX XXXX XXXX XXXX XXXXXXXX Date of events : Happy Money inquiry XX/XX/XXXX ; adverse action notice dated XXXX ; CFPB response XX/XX/XXXX. 

Summary of complaint ( one sentence ) : TransUnion furnished an inaccurate or incomplete consumer report ( returned a null score / insufficient credit information ) to Happy Money, causing an adverse action ; TransUnion failed to conduct a reasonable reinvestigation and did not provide required disclosures or corrective notices under the FCRA and Regulation V. 

Detailed description ( chronology and facts ) : On or about XX/XX/XXXX, I applied for credit with XXXX XXXX XXXX XXXX  adverse action notice ( XX/XX/XXXX ) states my credit score : null and that they couldn't get enough information about your credit history from TransUnion. XXXXXXXX XXXX  CFPB response ( XX/XX/XXXX ) confirms they were unable to obtain sufficient credit information from TransUnion. I have active tradelines ( e.g., XXXX XXXX account ending XXXX ) and no credit freeze. I dispute TransUnions representation that my file lacked sufficient information and request a full reinvestigation. 

Legal basis and requested relief : Under 15 U.S.C. 1681i and Regulation V ( 12 CFR part 1022 ), TransUnion must conduct a reasonable reinvestigation, provide me with the consumer report and score furnished to XXXX XXXX ( including score model/version and up to four key factors ), produce transaction and audit logs ( inquiry timestamp, response codes, suppression flags, vendor XXXX logs, and user IDs ), and correct or delete any information that can not be verified. If TransUnion can not verify, I request that TransUnion ( 1 ) delete or correct the inaccurate data, ( 2 ) notify XXXX XXXX and any other recipients that received the incorrect report, and ( 3 ) provide me written confirmation of actions taken. I also request an explanation of the procedures that produced a null score and any remedial steps taken to prevent recurrence. 

Attachments : Happy Money adverse action notice ( XX/XX/XXXX ) ; XXXX XXXX CFPB response ( XX/XX/XXXX ) ; drivers license ; XXXX XXXX statement ; certifiedmail receipt of dispute to TransUnion. 

Desired outcome : Corrected consumer file ; written confirmation of corrections and notices to recipients ; production of the report and logs described above ; and an explanation of the cause and remediation. I reserve the right to seek statutory or actual damages and further remedies. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: DISCOVER BANK
State: MS

Complaint narrative:
The credit bureaus claim the account was verified, yet they failed to provide the method of verification as required by FCRA XXXX ( a ) ( XXXX ). No original signed contract, account-level payment history, or competent evidence was ever provided. Verification appears to have been conducted through automated e-OSCAR responses, which does not meet the standard of a reasonable investigation as established in XXXX v. XXXX. 

Additionally, Discover Bank continues to furnish this information despite being directly disputed under FCRA XXXX ( a ) ( XXXX ), which requires a reasonable investigation and correction or deletion of inaccurate information.By continuing to report unverifiable information, the following violations have occurred : FCRA XXXX Failure to conduct a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) Failure to provide method of verification FCRA XXXX ( a ) ( XXXX ) Furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) Failure to properly investigate a direct dispute FCRA XXXX ( b ) Failure to maintain maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is trying to collect money from a contract that Ive never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for a synchrony XXXX XXXX XXXX XXXX XXXX on XX/XX/year> and got approved and after I got a message saying I should be getting my card between XXXX and XXXX I never received the card by those dates I called and requested another on XX/XX/year> I was giving information over the phone that I needed to get sent a text with a link to take a video selfie and photos of my drivers card then I got to call back in to give them a special code in order to re issue me another card I dont think they never sent the first one after I was racially profiled by the words of we wont be senting out another card until I redo the link verification so as of now Inhave no card again this company is scamming, and pushing people out their promotions thats offered once approved the XXXX XXXX XXXX XXXX XXXX  on has it you can get XXXX cent off a gallon only for the 1st 30 days after opening the account I wont be able to use that promo because my card was never sent to me but the company purposely did this so I wont benefit from nothing the card has to offer who knows if im gon na receive the next card also their customer service number is always in a high Q When my card was not received I changed my address to a po box and the company went in on me saying I cant by law get a card issued to any other address not even on a temporary basic so what If i move, or have an emergency your gon na close my account and refuse me a card seems like military tactics

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 2025-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one took {$500.00} out of my saveing account and I called and tried to see who authorized and they told me that they can't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-14 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-12-14 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express ( AmEx ) conducted a credit review on my personal credit card account and lowered my spending limit. I contacted the American Express Credit team for remediation. 

XX/XX/XXXX : I contacted AmEx about the credit review. I was told I could either update my income or make a one-time payment of {$1100.00} by XX/XX/XXXX to reinstate my spending limit. I also received an email from XXXX referencing my review request and offering re-evaluation options. 

XX/XX/XXXX and XX/XX/XXXX : I made two payments of {$1200.00} exceeding {$1100.00} ( more than the amount requested ) in reliance on the instructions provided.

After making the payment, my spending limit was not reinstated.

I followed up repeatedly and was told reinstatement would take at most 30 business days. It has now been nearly two months ( ~42 business days ) with no resolution.

In my most recent call, AmEx stated the limit was not reinstated because I allegedly did not pay the required amount, and that my XX/XX/XXXX payment does not count because I was not formally enrolled in the program required to reinstate the limit. 

This is contradictory : I was instructed to make the {$1100.00} payment by XX/XX/XXXX, via an email that I received shortly after I called them on XXXX, I did so ( and more ), yet later I was told my payment does not count due to enrollment, which had never been disclosed as a prerequisite. The shifting explanations and failure to resolve within the promised timeline have caused me significant mental XXXX, ongoing disruption and concern about whether non-credit-related factors such as race and immigration status were considered. I am attaching supporting screenshots ( payment activity and the XX/XX/XXXX email ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the XXXX  department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
I disputed a reported late payment on my XXXX XXXX XXXXXXXX credit card after noticing inconsistencies across credit bureaus. In the XXXX XXXX XXXX XXXX app, the account appeared as paid, which led me to reasonably believe payments were being made. Later review showed payments were not actually being withdrawn, and the apps presentation was misleading. 
I filed disputes with XXXX XXXX and Equifax. XXXX updated the account to show no delinquency ( ND ) for XXXX and no late history. Equifax initially showed the account as paid as agreed, but after further updates now reports both a 30-day and 60-day late status for XXXX, despite also showing Pays as agreed and minimal or {$0.00} {$1.00} past due amounts. 
XXXX XXXX XXXXXXXX responded to the dispute stating they accurately recorded all payments and would continue reporting the account as delinquent, but did not explain how the delinquency was calculated, which payment was late, how payments were applied, or whether any late fees were assessed, waived, or reversed. 
The reporting is inconsistent across bureaus and internally contradictory on Equifax. I believe the investigation did not resolve errors in how the account history is being furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I met someone on XXXX thinking it was a real person that did tattoo work to see about getting a cover of my deceased son... we talked back and forth and set up a day, time, and price and I was informed that I would need to pay half of the total up front which was XXXXXXXX XXXX  but they only received the deposit through Chime ... I did not have Chime and inquired how to use it with the scam XXXX. Please not they asked for my name, phone and email address to add for the appointment. Next thing I know my email had a email address added that I was not familiar with and I saw that XXXXXXXX XXXX was transferred and then the person blocked me on XXXX ... never heard from again... they did give me a number XXXX which I called and texted ) and address but it was fraudulent. Upon research this has happened to other people on XXXX with this person claiming to be in the same city as the person they are scamming but really not there. The person named on XXXX was XXXX it is still available because I had my kids to check, I am just still blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-14 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: NY

Complaint narrative:
This account is inaccurate and unverifiable. XXXX XXXX XXXX is a debt buyer reporting this account, but the original creditor is XXXX XXXX XXXX XXXX  XXXX. The account is currently reported as an Open Account, which is misleading. I am requesting that TransUnion fully delete this account from my credit report under FCRA 609 and 611.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation