vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I bought my home, which was a new build, in XXXX. I have never missed a mortgage payment. Initially my mortgage was managed by Homepoint Mortgage  XXXX XXXX XXXX ), but about a year ago, this was transferred to Mr Cooper. 

In my closing documents, it looks like the escrow was underfunded, and the property taxes were underestimated. Here 's what is listed on my closing disclosure : Homeowner 's Insurance {$200.00} per month for 3 mo. {$600.00} Mortgage Insurance per month for mo. ( this is left blank ) Property Taxes {$100.00} per month for XXXX mo. {$510.00} I bought my house midway through the year. The ACTUAL taxes for that year were {$2000.00}. For XXXX, my property taxes were {$4600.00}. 

When my loan was transferred to Mr Cooper, there was a deficit in my escrow, because XXXX had only estimated ( and therefore funded my escrow account to pay ) my property taxes at {$860.00} annually. So Mr Cooper increased my escrow payment to make up for that deficit. This brought my monthly mortgage payment from {$2100.00} to {$2600.00}, a significant financial blow to me. After speaking with the mortgage company several times, they came to realize that my property taxes were, again due, and there is STILL a negative balance in my escrow account, and have informed me that my mortgage payment will be increased even further to account for the actual property taxes ( so not {$860.00} annually as they were basing their escrow amount on, but for almost {$5000.00} annually for property taxes ). To fund this, my mortgage payment will likely increase now to almost {$3000.00} monthly, or more. 

Someone from XXXX should have caught this based on my first payment for property taxes, but they didn't. They also didn't increase my escrow balance in XXXX or XXXX to cover the payments for property taxes. Now Mr Cooper is trying to correct for this almost {$10000.00} deficit, and placing the entire burden on me. This seems like an oversight of XXXX, and they should be responsible for the deficit/lack of oversight of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 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 2025-06-03 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-03 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$68.00}

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 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
On or around XX/XX/XXXX, 4 days before my due date, I logged into my XXXX 's credit card account with Bread Financial ( formerly Comenity ) to make a payment. When I logged in there was a zero balance due, so I did not make a payment. XXXX weeks later, the day before payday, I logged in to check my payment due. Much to my surprise, my balance had gone up. I checked my transaction history to see that I was charged late fee, for a missed payment on XX/XX/XXXX. I called customer service, they told me that I had already been refunded a late fee in XXXX of XXXX also due to errors on their website, because I could not log in to pay the bill. They said once every XXXX  months a refund could occur. If this was my fault, I could understand that, but this was their error and are refusing to grant me a refund of a late fee caused by their system issues. All of my complaints, they completely ignore the issue at hand, which is their system issue. Ultimately, I would like the late fee scrubbed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
SSN ( Last 4 ) : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Final Notice - Failure to Block Fraudulent Accounts To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ).

You are required to block fraudulent accounts within four ( 4 ) business days upon receiving proper identity theft documentation.

I previously submitted the following : - Government-issued ID - Proof of address - Identity theft affidavit and/or police report - Statement of accounts I did not open or authorize Despite this, the following fraudulent accounts remain on my TransUnion credit file dated XX/XX/XXXX : - XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX - Status : Repossession - XXXXXXXX XXXX XXXX ( Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Status : Charge-Off - XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX ) - Status : Collection - XXXX XXXX XXXX ( Acct # XXXX * XXXX XXXX XXXX ) - 30-day late payment - XXXX XXXX  - Inquiry dated XX/XX/XXXX - Unauthorized - XXXX XXXX XXXX Inquiry dated XX/XX/XXXX XXXX Unauthorized I demand the following actions be taken immediately : 1. Block and remove all listed fraudulent accounts and inquiries under 15 U.S. Code 1681c-2.

2. Provide written confirmation within five ( 5 ) business days. 
3. Disclose the names of all furnishers notified.

If unresolved, I will escalate this issue to my State Attorney General. I am also prepared to pursue legal action under 1681n and 1681o. 
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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I successfully identified and verified my identity after using the card and paying it in full. My account was restricted along with everyone else on XXXX stating the same thing Im saying after successfully identifying myself Im being asked for financial documents for a {$500.00} credit card nevertheless Ive supplied them Now Im being told I need more income and must send in more bank statements. Im confused at this point, which is it verifying my identity or my financial status capital one is misrepresenting what theyre saying to me and calling themselves a lending institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-03 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$4900.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX  Account number XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$170.00} Open Date XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 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: TN

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$38.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$27.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$14.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$71.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$47.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$37.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$15.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$46.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00}

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 2025-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank regarding its refusal to accept payments via credit card for XXXX of its services or accounts. I find this policy both restrictive and discriminatory, as it limits customers options to manage payments using a secure and legitimate form of tender. 

In my experience, Wells Fargo is refusing to accept credit card payments. This policy is highly inconvenient and raises serious concerns about accessibility and transparency. This was not explained. As a customer, I should be able to use my credit card to manage my finances, especially in circumstances where immediate payment is required. 

I believe this limitation is unreasonable and may violate fair banking practices, especially when it imposes an undue burden on customers. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that financial institutions, such as Wells Fargo, provide fair and flexible payment options to consumers. 

Please feel free to contact me should you need any additional information regarding this matter. 

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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I was at a restaurant and went to pay and my card declined. I made a {$500.00} payment thinkng it was my available credit, but still declined. That is when i realized my account was restricted/frozen. I had to leave to go get another card and go back down to pay. I called the number listed. They had no idea why the account was restricted. They sent me to credit security but they were not able to help me. They told me I needed to call the fraud department the following day. THe next day I called fraud. They had no idea why my account was restricted, The transffered me to disputes, same answer. Went to account management and requested a manager, after being on hold for an hour, i was hung up on. I had to call back and then waited another hour for a manager. The manager told me they have no other information other than it is under investigation. They would not give me a reason or a time frame. I asked for someone higher up and he said he is the end of th customer service and there is nothing he could do for me. They told me to keep checking and that I would get an update via email. However, i never even received an email about the restriction to begin with. I chatted with someone again today, who told me there is no update and it it still under investigation and to check back tomorrow. Another issue is all of my automatic payments that are being declined because I do not have access to that account, that i will now be charged fees on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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