vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
My current XXXX loan # is XXXX My prior XXXX loan # is XXXX Myy issue happened in XXXX before my loan was transferred from XXXX to XXXX XXXX mailed a check ( {$610.00} ) to XXXX or someone else mistakenly for home owner insurance on XX/XX/XXXX XXXX. However XXXX did not receive it. 
XXXX mailed XXXX check ( {$610.00} ) to XXXX for home owner insurance again on XX/XX/XXXX XXXX. XXXX received this one and cashed it. 
I reached out to XXXX insurance depart several times. They said the XXXX check cashed by someone else. It is probably a fraud. But it is not my fault, they will refund me after investigation. 
However, XXXX closed their insurance department suddenly, I lost my contact. 
XXXX months ago, I reached out to XXXX again after being kicked back and forth between XXXX XXXX and XXXX XXXX times. 
They provided me a case # XXXX. However I lost the contact again and don't know how to get back to XXXX. 
Mr.Cooper have investigated this issue for another couple of months and told me I need to reach out to XXXX. But I don't have any contact to reach!

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone is actively hacking into my transunion account and using my identity to open fraudlent accounts. I have gotten reports of T-mobile account being activated in my name, XXXX XXXX  to buy a dog, XXXX debit, XXXX credit and debit, XXXX credit card, Credit inquiries for auto leasing, XXXX XXXXXXXX and more. They've changed the information to theirs on all my crediting reporting companies but more so on TransUnion. They changed my initial fraud alert to have their phone number as the primary contact. They've successfully changed the email and phone number multiple times even though I have called Transunion several times and asked them to ensure that the perpetrators can not access my account. The fraudster has purchased a TransUnion premium membership under a credit card I do not recognize but has my billing address. TransUnion has done nothing for the security of my account and allows this person to continue activity when I have contacted multiple times of the fraudulent emails and phone numbers. The phone operators have been no help in rectifying the situation and keep transferring me to departments that unsuccessful as well. I was transferred from the account management department, to disputes, and directed to call migration department and none were helpful or successful in mitigating the risk on my account since the fraudster was able to update the phone number on my credit report and change the email and phone on my account tied to Transunion.

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 2025-08-23 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: KS

Complaint narrative:
Equifax is incorrectly reporting inquiry Factual Data - not mine, identity theft. 
Transunion is inaccurately reporting Factual data XXXX XXXX XXXX there are 2 inquiries within 20 days. They could have used the same credit report. Please delete the inquiry from them dated XXXX Experian is incorrectly reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX double reporting could have used the same inquiry within 30 days. Please delete the inquiry from them dated XXXX WFbna card. Are all incorrectly reporting. Please delete. Thank you.

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 2025-08-23 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: KS

Complaint narrative:
Equifax is incorrectly reporting inquiry Factual Data - not mine, identity theft. 
Transunion is inaccurately reporting Factual data XXXX XXXX XXXX there are 2 inquiries within 20 days. They could have used the same credit report. Please delete the inquiry from them dated XXXX Experian is incorrectly reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX double reporting could have used the same inquiry within 30 days. Please delete the inquiry from them dated XXXX WFbna card. Are all incorrectly reporting. Please delete. Thank you.

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 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I submitted an instant transfer from Venmo on XX/XX/year> at XXXXXXXX XXXX and it is supposed to go through within 30 minutes. It is now XX/XX/year> at XXXX and it is still saying its pending and I can not reach a Venmo representative. This transfer was for XXXX XXXX!!! I really need assistance, please I need it transferred to my bank account that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I reached out about the constant changing amounts that I am being told by Chase with regard to a closed account. ( sold my property in XXXX, had a final payoff and clear title ) On XX/XX/year> I saw a " mortgage '' balance showing as if I owe {$75000.00}. 
They acknowledged receiving my complaint and now when I looked at it today it is saying {$100000.00}!!!! 
Additionally, I am hearing through my daughter that they are sending letters to his address and he does not forward them to me nor does owe any money as this account is CLOSED... 
Again, pure harassment in spite of the fact that they are totally messed up with their figures. 
I OWE NOTHING... DOES NO ONE AT CHASE HAVE A CALCULATOR OR A BRAIN FOR THAT MATTER??? 
MY MAILING ADDRESS HAS BEEN AND STILL IS XXXX XXXX XXXX XXXX XXXX XXXXXXXX AT LEAST TRY TO CORRECT THAT ERROR!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I was to be a cosigner on my nephew 's loan at XXXX XXXX XXXX when i received the contract by e-mail my name was already docu signed on the contract. Their were many inconsistencies on the contract as well. I did not agree to the contract and I did not sign it either, but they have already sent it to the Westlake financial institution. I never even went to this dealership and had not even seen the car. They fraudulently signed ( XXXX ) my name to that contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Equifax is reporting a {$150.00} medical collection account, which is under {$500.00}. Per the XX/XX/XXXX policy adopted by Equifax, XXXX XXXX XXXX ( implemented in XXXX ), medical collections under {$500.00} must be deleted from credit reports. Equifax previously marked the account as verified, ignoring this mandate. This reporting is inaccurate under FCRA 607 ( b ). I am requesting immediate deletion or a full method of verification under 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, LVNV FUNDING LLC, has violated my rights, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing a complaint against Capital One for their failure to process a simple change of address, which has led to multiple other problems. 

I submitted a change of address and provided all required documentation. Despite this, Capital One has failed to mail my new card to the correct address, leaving me without access to my account. 

Every time I call customer service to resolve this, representatives are rude and provide no help. The situation remains unchanged after each call. 

Furthermore, I received an approval email for a new Capital One credit card. However, when I try to accept the offer, I receive an error stating I can not open the account. I believe this is directly due to the unresolved address issue. 

I have given Capital One multiple opportunities to fix this. Their failure to act has left me without services and shows a severe breakdown in customer service and basic account management.

I want Capital One to : 1. Immediately update my address correctly.

2. Express ship my new card to my verified address.

3. Honor the approval for the new credit card they offered me.

4. Provide a explanation for this failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: VA

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 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
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I repeatedly requested information and resolution regarding the duplicate debit. Specifically, I asked Capital One managers to verify the duplicate cleared payments with my bank, to provide confirmation of when and how the funds would be returned, and to issue an XXXX refund rather than a mailed check. 

Managers Lashorn ( ID XXXX ) gave me the run around and XXXX ( ID XXXX ) verified the funds but refused my requests for immediate refund, even after confirming with my bank that the funds had cleared. They provided inconsistent timelines ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days again ) and ultimately forced me into accepting a paper check I did not authorize. This delayed my access to my own money despite clear evidence that Capital One held duplicate funds. Neither of them would send me to someone who could actually have the XXXX to make an XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
This complaint is against Helvey & Associates , Inc ( Reference XXXX XXXX ) who is trying to collect a debt that :! ) They accepted a payment from me via check on XX/XX/2025 that was clearly marked " Endorsement of payment will settle outstanding balance and mark account fully paid '' 2 ) My documentation will show that Helvey & Associates , Inc did in fact endorse the legal document ( the check ) and therefore agreed to the terms of settling the account as paid in full.

3 ) Helvey & Associates , Inc bought this debt from XXXX XXXX who is also trying to collect on it. 
I expect the balance to be marked as paid in full and removed from my credit report ( all 3 agencies ) expeditiously.

Attached you will find : 1 ) a copy of the billing statement and a copy of the check as it was when it was sent to Helvey & Associates , Inc 2 ) a copy of the endorsed legal document ( the check ) 3 ) a letter to Helvey & Associates , Inc requesting confirmation of Paid-In-Full status of which to date I have received no response. Sent to Helvey & Associates , Inc Via certified mail. Copy Attached.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account back in XXXX. They promised me a {$300.00} promo for signing up Ive called multiple times. I recorded all calls. One agent said 60days. I called on the XXXX day because my friend who opened and met requirements the same day as me received hers. But the. I was told it was 90 days well now we past days and I havent got no money. A big scam and false advertisement.

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 2025-08-23 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-23 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: CO

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has failed to maintain accurate information on my credit report and has not conducted proper reinvestigations as required by the Fair Credit Reporting Act. Despite submitting multiple disputes over several months, my Experian credit report continues to display a false address and numerous unauthorized credit inquiries that I never approved. 

My report still shows an address at XXXX XXXX XXXX, XXXX, TX XXXX, which I have never lived at or been associated with. Keeping this false information on my report puts me at risk of identity confusion and harms the accuracy of my credit profile. 

In addition, there are many hard inquiries listed on my report that I never authorized or initiated, and there is no permissible purpose under FCRA 604 for these inquiries to appear on my file. These include inquiries from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ), XXXX-XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). I never applied for credit with these companies, and no documentation exists to justify these inquiries. 

Despite numerous disputes, Experian has failed to properly investigate or remove these inaccuracies. Their responses have been automated and dismissive, providing no proof of my authorization. The FCRA requires Experian to maintain reasonable procedures to ensure accuracy ( 1681e ( b ) ) and to conduct meaningful reinvestigations ( 1681i ), but they have not complied with these obligations. This has damaged my credit profile, caused unnecessary stress, and harmed my ability to access fair credit opportunities. 

I am requesting that the CFPB intervene to require Experian to permanently remove the false address and delete all unauthorized and unverifiable inquiries. If Experian chooses to keep any of these items, they must provide me with verifiable documentation showing that I authorized them. I also request a corrected copy of my credit report reflecting these changes.

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