vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: MOHELA
State: OK

Complaint narrative:
MOHELA has not posted the payoff from XXXX for the refinance of my ParentPLUS loans received to them on XXXX, XXXX. 

I have contacted MOHELA via electronic contact on their website every month since XXXX requesting my account be updated with the payoff from XXXX for my ParentPLUS loans and accrued interest since the payoff date be removed from my account. I receive an automated email and not follow up of the inquiry. I have submitted the manifest with the cancelled check and my ParentPLUS loan account numbers to MOHELA and receive an automated reply with no action. 

I called MOHELA XXXX XX/XX/year>, the phone attendant acknowledged receipt of the manifest, I was transferred several times then told a supervisor would have to make the correction and was transferred to the supervisor at which time I received an automated message to push 1 for a call back in 48 hors or the call would be disconnected. I pushed 1, the call then disconnected. I did not receive a call back in 48 hours I filed a complaint with the Federal Student Aid Ombudsman on XX/XX/year> and receive an automated email with a case number and I would receive a response in 15 days. As of today XX/XX/year> I have not received a response and have reached back out as directed in the automated email.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I used my Chase debit card to pay for an XXXX purchase on XX/XX/year> for {$4600.00}. 

My order Ship-to was XXXX XXXX ( XXXX XXXX ). XXXX tracking XXXX shows the package was delivered to XXXX XXXX, which is not my unit and not authorized by me. I never received the merchandise. 

I opened a dispute with Chase on XX/XX/XXXX. On XX/XX/XXXX, Chase issued a final decision denying my Reg E error claim, telling me the merchant could show delivery to the right location. In reality, this is a large apartment building and the office/XXXX  XXXX is not my office and has no relationship or authorization to receive on my behalf. I tried other avenues : XXXX says delivered to XXXX and asks me to work through the shipper ; the XXXX window to open an item not received case is closed ; There is no other viable path for me to obtain a refund. I used my Chase debit card to pay for an XXXX purchase that I never received. 

My XXXX order Ship-to was XXXX XXXX ( XXXX XXXX ) in my apartment complex. XXXX tracking for this shipment shows the package was delivered to XXXX XXXX. XXXX is not my unit and no one there was authorized to accept packages for me. I did not receive the item. 

This was a high-value item with XXXX  signature required. The XXXX record reflects a signature that is not mine and the delivery address/unit is not mine.

Chase closed my Reg E claim as a final decision, stating the merchant could show delivery to the right location. That is incorrect in a large apartment building : XXXX is a different unit with no relationship or authorization to receive on my behalf. 

I am submitting XXXX-origin documentation ( sent from XXXX address with a Case/Inquiry ID ) confirming delivery to XXXX, not XXXX. I also attach my XXXX order page showing XXXX XXXX. Chase said my XXXX  file was not directly from XXXX  and insufficient, but it is from XXXX  and includes headers and the XXXX  case ID. This is merchandise not received due to misdelivery to a different unit, not fraud. 

I am requesting CFPB assistance because my bank denied the claim without accepting this XXXX-origin evidence for a misdelivery to a different unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The original debt was with XXXX XXXX XXXX XXXX opened in XX/XX/XXXX, with the last payment made in XX/XX/XXXX. The account was charged off by the original creditor in XX/XX/XXXX. 

The debt was sold to XXXX XXXX XXXX XXXX, who is now reporting the account with a new open date of XX/XX/XXXX, and listing it as past due as of XX/XX/XXXX. 

This inaccurate reporting resets the timeline for when the debt first became delinquent, which I believe violates the Fair Credit Reporting Act ( FCRA ) by unlawfully re-aging the debt. 

I have requested validation and correction of this information, including the proper date of first delinquency, but the company has not provided adequate documentation or corrected the reporting. 

This misreporting is negatively impacting my credit report and score.

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 2025-09-14 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: NY

Complaint narrative:
I, XXXX XXXX, dispute the accuracy and completeness of the following accounts on my credit file : XXXX XXXX XXXX Account # : XXXX Shows 1 late payment and balance {$880.00}. Payment history and Last Payment Date ( XX/XX/XXXX ) conflict with my records and your own payment summary. 

XXXX XXXX XXXX Account # : XXXX Shows 8 late payments on an account marked Paid, Closed. The Last Payment Date of XX/XX/XXXX conflicts with the payment history provided. 

XXXX / XXXX Account # : XXXX ( duplicate entries ) Reported twice, each showing 9 potentially negative months and a {$940.00} charge-off. The duplicate reporting and payment-history details are inaccurate and misleading. 

My Demand Under Federal Law Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : Conduct a reasonable reinvestigation within 30 days of receiving this dispute. 

Identify and disclose to me the furnisher ( s ) you contactedincluding names, addresses, phone numbers, and dates of contact. 

Provide a complete description of your method of verification, including the specific documents or records relied upon ( not just a code or form response ). 

Supply copies of all evidence and communications used to verify these items, including ACDV/AUD/e-OSCAR responses. 

Correct or delete any information found to be incomplete, inaccurate, duplicated, or unverifiable, and promptly notify all CRAs of any changes. 

Prevent reinsertion of any deleted items unless supported by proper documentary proof, as required by FCRA 611 ( a ) ( 5 ). 

Notice of Liability If you fail to comply fully with these obligations, or if you continue to report inaccurate or unverifiable information, I will consider this a willful violation of the FCRA and will pursue all available remedies, including filing a lawsuit for damages, costs, and attorneys fees. The FCRA makes CRAs liable for negligent or willful noncompliance ( 616, 617 ). 









Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: NY

Complaint narrative:
I, XXXX XXXX, dispute the accuracy and completeness of the following accounts on my credit file : XXXX XXXX XXXX Account # : XXXX Shows 1 late payment and balance {$880.00}. Payment history and Last Payment Date ( XX/XX/XXXX ) conflict with my records and your own payment summary. 

XXXX XXXX XXXX Account # : XXXX Shows 8 late payments on an account marked Paid, Closed. The Last Payment Date of XX/XX/XXXX conflicts with the payment history provided. 

XXXX / XXXX Account # : XXXX ( duplicate entries ) Reported twice, each showing 9 potentially negative months and a {$940.00} charge-off. The duplicate reporting and payment-history details are inaccurate and misleading. 

My Demand Under Federal Law Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : Conduct a reasonable reinvestigation within 30 days of receiving this dispute. 

Identify and disclose to me the furnisher ( s ) you contactedincluding names, addresses, phone numbers, and dates of contact. 

Provide a complete description of your method of verification, including the specific documents or records relied upon ( not just a code or form response ). 

Supply copies of all evidence and communications used to verify these items, including ACDV/AUD/e-OSCAR responses. 

Correct or delete any information found to be incomplete, inaccurate, duplicated, or unverifiable, and promptly notify all CRAs of any changes. 

Prevent reinsertion of any deleted items unless supported by proper documentary proof, as required by FCRA 611 ( a ) ( 5 ). 

Notice of Liability If you fail to comply fully with these obligations, or if you continue to report inaccurate or unverifiable information, I will consider this a willful violation of the FCRA and will pursue all available remedies, including filing a lawsuit for damages, costs, and attorneys fees. The FCRA makes CRAs liable for negligent or willful noncompliance ( 616, 617 ). 









Sincerely, 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received a Capital One & a XXXXXXXX XXXX in the mail. Both in my name. I immediately called and closed the accounts. I reported it to the credit bureaus but was told that the cards have not hit my credit yet. Today the Capital One card hit my XXXX  account and I called and filed a fraud alert with them. XXXX  advised me to contact Capital One again to get this removed from my credit. I called both XXXX and Capital One to advise them once again that the accounts were not mine. XXXX was very helpful in the process. Capital One was not helpful and advised me to call the police. I worked in XXXX XXXX for 30 years and the last thing I thought the police needed was another report to file. Capital One was real quick to shift blame and not want to help. I was told they would look into my claim. I request that you look into them doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I placed an XXXX order for a pair of XXXX XXXX XXXX XXXX XXXX priced at {$77.00}. Shortly after, XXXX canceled the order and marked it as customer canceled, even though I did not cancel it. 

When I contacted XXXX, I was told the only way to receive the shoes was to reorder them at the new price of {$110.00} ( about {$120.00} with tax ). I explained this was unfair, and XXXXXXXX XXXX XXXX  explicitly promised me in writing that if I placed the second order, they would refund me {$39.00} for the price difference upon delivery. I only placed the second order under that condition. 

After delivery ( and the item arriving in the wrong color ), XXXX refused to honor the promised refund. Instead, they told me I would have to return the product and wait up to 30 days for a refund. Meanwhile, the same shoes later dropped back down to {$77.00}, proving that I overpaid solely because of XXXX wrongful cancellation and broken promise. 

This is a clear case of being overcharged for a purchase I made with my Apple XXXX  card, based on misrepresentation. I am requesting that Goldman Sachs Bank USA, as the issuer of XXXX XXXX, ensure I am made whole by enforcing the promised {$39.00} refund that induced me to place the second order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Introduction I am filing this complaint against National Credit Systems , Inc. ( NCS ), a debt collection agency headquartered at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding their unlawful handling of an alleged debt from my former apartment XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Background & Timeline End of XX/XX/XXXX I vacated my apartment, paid all balances due, and received confirmation in writing from the property manager, XXXX XXXX XXXX, that my account was paid in full. 
XX/XX/XXXX Despite this, I received a letter from National Credit Systems , Inc. stating that my account had been placed in collections. The property management had my forwarding address and contact information, yet no attempt was made to notify me directly before sending my account to collections. 
XX/XX/XXXX I sent NCS a certified letter with supporting documentation proving my account was fully paid, including the property managers written confirmation. I requested that the account not be placed in collections until the dispute was resolved. 
XX/XX/XXXX After receiving no response, I sent another certified letter requesting proof of debt, an itemized account history, and removal of the account if verification could not be provided. 
To date ( XX/XX/XXXX ) NCS has never responded to my written disputes or provided validation of the debt. Yet, they continue to report this alleged debt to the credit bureaus, negatively impacting my credit. 
________________________________________ Legal Concerns Failure to Validate Debt : Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection until validation is provided. NCS failed to do this despite multiple written requests sent by certified mail. 
Improper Credit Reporting : By continuing to report disputed, unverified debt to credit reporting agencies, NCS may also be in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 
Failure to Respond : Ignoring repeated, documented consumer disputes demonstrates a pattern of noncompliance. 
________________________________________ Harm Caused As a result of NCSs actions, my credit report has been damaged. This has impacted my financial standing, potentially increasing borrowing costs and reducing my access to credit. I acted in good faith, promptly provided all proof, and repeatedly sought resolution. Instead, NCS failed to comply with federal requirements and continues to harm me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: TX

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX : XXXX Product : Reverse Mortgage FHA Case Number : XXXX Borrower ( Original ) : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Current Debtor Listed : Virginia XXXX XXXX ( incorrect spelling ) Original Loan Amount : {$200000.00} ( funded XX/XX/XXXX ) Current Loan Balance : {$340000.00} Complaint Summary : My aunt, Virginia XXXX XXXX, passed away on XX/XX/XXXX. While assisting her daughter with estate paperwork, we discovered invoices from XXXX regarding a reverse mortgage originated by her husband, XXXX XXXX XXXX, on XX/XX/XXXX. XXXX XXXX passed on XX/XX/XXXX. After his death, XXXX changed the debtor name to Virginia ( with her name misspelled ). 
Since origination, the loan has grown from {$200000.00} to {$340000.00}, including {$130000.00} in accumulated interest and mortgage insurance premiums. 
I believe XXXX practices raise several issues : 1. Accuracy of Records : Borrowers name was incorrectly recorded.

2. Excessive Charges : Fees and interest appear disproportionate and potentially predatory toward elderly borrowers.

3. Impact on Heirs : Heirs are left with a balance far exceeding the original loan, raising fairness and transparency concerns. 

Requested Resolution : XXXX XXXX handling of FHA XXXX # XXXX. 
Verify whether fees, interest, and PMI were properly calculated and disclosed. 
Provide guidance on heirs rights and obligations under reverse mortgage regulations, and determine if relief or adjustment is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XX/XX/year> - Submitted a request on NewRez web portal to remove escrow/close my escrow account XX/XX/year> - Called for a status update on my request. I was told my request was denied because my loan-to-value ratio was above 80 %. The customer service representative verbally confirmed that this information is NOT CORRECT and my XXXX at the time was below 60 %. He acknowledged that because I do not have PMI on my mortgage, that it MUST be below 80 %. He called his escalation team and confirmed with them that there must be an error. The representative and the escalation team verbally confirmed there were no disqualifying reasons to deny my request for escrow removal. He opened my request back up and sent it to the escalation team. 

XX/XX/year> - Called to check on my re-opened case. I was told by a new customer service rep once again that my request was denied because my XXXX was too high, above 80 %. The representative confirmed once again that my XXXX was, in fact, below 80 % and acknowledged that this is evident because I do not have PMI on my mortgage. She stated, however, that NewRez uses two different calculation to calculate XXXX. For PMI removal they will use latest appraised value. For escrow removal, they will use ORIGINAL LOAN AMOUNT. I asked her to clarify that she did not mean ORIGINAL APPRAISED VALUE and she verbally confirmed. I explained that, hypothetically, if someone made a 50 % down payment on a house, that using ORIGINAL LOAN AMOUNT to calculate XXXX would result in a 100 % XXXX on day one of that mortgage, despite the person having 50 % equity in the house. She confirmed this is how they calculate XXXX. 

XX/XX/year> - Sent formal complaint letter via NewRez web portal requesting written escrow removal policy and XXXX calculation clarifications. 

XX/XX/year> - Received letter in mail from NewRez requesting more time to respond in a thorough and accurate manner. 

XX/XX/year> - Received an email from NewRez with a generic response denying my request to remove escrow because my XXXX is above 80 %. They attached my XXXX XXXX XXXX that simply showed my payment and balances since the loans origination. They did not attach any written policies, any calculation clarification, nor did they even provide my current XXXX ( simply " above 80 % '' ). 

I believe Newrez is applying contradictory internal policies and denying escrow removal without proper basis. This refusal to provide documentation or apply consistent standards appears to violate the Real Estate Settlement Procedures Act ( RESPA, 12 U.S.C. 2605 ) and constitutes unfair servicing practices.

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 2025-09-14 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) Subject : Demand for Immediate Deletion of Unverified XXXX XXXX Account FCRA Violations Dear Equifax Dispute Department, I am writing to demand the immediate deletion of the XXXX XXXX account that Equifax continues to report on my credit file. This account was disputed beginning in XX/XX/year>. I filed this dispute through the CFPB, and I have attached documentation proving the filing.

The Fair Credit Reporting Act ( FCRA ) places strict obligations on consumer reporting agencies like Equifax : 15 U.S.C. 1681i ( a ) ( 1 )
( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumers file or modify that item of information, as appropriate, based on the results of the reinvestigation.

It has now been nearly 90 days since I filed this dispute. The account remains listed as under dispute/review on my credit report. This is unlawful. The FCRA allows you no more than 30 days to verify disputed information, and if you can not verify it, the law requires that it be deleted from my credit file.

By failing to remove this unverifiable information, Equifax is in clear violation of the FCRA.

Furthermore : 15 U.S.C. 1681n : Willful noncompliance subjects Equifax to liability for actual damages, punitive damages, and attorneys fees.

15 U.S.C. 1681o : Negligent noncompliance subjects Equifax to liability for actual damages and attorneys fees.

Demand for Immediate Action I hereby demand that Equifax : Immediately delete the XXXX XXXX account from my credit report as required under 1681i ( a ) ( 5 ) ( A ).

Provide me with written confirmation that the account has been permanently deleted.

Remove any under dispute notation related to this account, as the 30-day reinvestigation window has expired.

If Equifax fails to comply within 15 days of receipt of this letter, I will pursue all remedies available to me under the FCRA, including filing a lawsuit for damages under 1681n and 1681o.

This letter is being copied to the FTC and the CFPB to document Equifaxs ongoing violations of federal law. 

Sincerely, XXXX XXXX Enclosures : Copy of dispute filed through CFPB

Company response to consumer: Closed with non-monetary relief