vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I had a mortgage through XXXX XXXX with automatic payments set up biweekly to align with my employment pay periods. XXXX XXXX transfered my loan to Mr. Cooper. In the notice I was told I did not have a choice in the matter. Correspondence from Mr. Cooper mortgage company said that if I already had automatic payments set up with XXXX XXXX that I would not have to take any further action and that those would continue. 

Later I would notice that no biweekly payment came out. When I reached out to Mr. Cooper customer service I was unable to actually get to a live representative so I instead had to use their " chat '' function on their website. Their the representative told me that only automatic monthly payments would carry over and not biweekly. I was then told that if I made XXXX manual payments on my regular biweekly dates and then enrolled in XXXX I could pick up right where I left off. 

Then on XX/XX/year> Mr. Cooper debt collection attempted to call me even though I had made the first half of my monthly payment as I would have under normal circumstances. I was not able to speak to a live representative even though repeatedly telling the AI assistant that is what I needed to do for nearly XXXX minutes. Finally a live rep told me that in order for me to enroll in their auto pay biweekly payments I would first have to pay a full month in advance of any biweekly payments being taken out. 

Again this is against what their initial letter stated which contained no language regarding biweekly payments would not continue and from what their rep on the chat line had explained. I asked for this to be escalated because this was not right for a company to portray that this process, one that I did not want to begin with, as supposedly seemless. When all it has been was unfair as I was regularly making my payments prior without issue and now Mr. Cooper was putting an unnecessary financial burden on me solely for the fact that they took over servicing of my mortgage from XXXX XXXX. The fact that they refuse to make this right and stand by their written communication should be a violation of some type of consumer protection law if anything it is unethical, deceitful, and predatory. How many other veterans with VA loans have been subjected to this practice by this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/year> I initiated an online dispute with this company due to unauthorized activity on my card. The creditor has reversed the charges in writing. On XX/XX/XXXX, this bank denied and closed my dispute without returning the funds that the creditor reversed. I have contacted bank several times and they refused my refund. At this point, it appears necessary to seek legal counsel in addition to this complaint. I will like my funds refunded, it a lawsuit proceeds, I will request my funds, interest, legal fees and compensation for my mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One did not address the core issue in my original CFPB complaint ( XXXX XXXX  ) and provided a generic response that ignored the documented legal violation. This second complaint is being filed because the company failed to investigate properly, failed to reference the fraud alert that existed on all three credit reports at the time of my application, and failed to comply with federal law. 

The problem remains unresolved. 

I had an active FCRA Fraud Alert ( 15 U.S.C. 1681c-1 ) on all three credit bureaus when I applied on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Under this law, Capital One was required to take reasonable steps to verify my identity by contacting me at the telephone number listed in my credit file before denying the application. 

Capital One did not call me, did not email me, did not text me, and made XXXX attempts to verify my identity. They then proceeded to pull XXXX hard inquiries without completing the required fraud-alert verification procedure. 

In their CFPB response, Capital One : did NOT acknowledge the fraud alert did NOT provide proof of any identity-verification attempt did NOT explain why XXXX credit bureaus were pulled prematurely did NOT provide call logs or documentation tied to the application did NOT address the FCRA requirement at all Instead, they provided a generic letter describing the difference between hard and soft inquiriesinformation unrelated to the actual complaint. The company did not perform a reasonable investigation as required by CFPB standards. 

This second complaint is being filed because Capital One failed to meaningfully respond and failed to comply with FCRA 605A fraud-alert requirements. If the company continues to avoid addressing these legal obligations, I will continue submitting additional CFPB complaints as needed until the matter is properly investigated and resolved. 

I am requesting CFPB escalation for inadequate investigation and unresolved legal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
This complaint is entirely legitimate and requires immediate attention. My credit report includes inaccurate information that does not meet the mandatory standard of maximum possible accuracy. 
These errors are causing severe and ongoing harm to my life, and I demand that they be thoroughly investigated and either corrected or deleted without any further delay. 
Resolving this issue is not just necessary it is absolutely critical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized {$21.00} transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not make this purchase. I have never visited this merchant. I was in possession of my card and did not authorize this transaction. Despite this, BMO denied my original dispute, stating that because the chip was read, the transaction must have been authorized by me. 

On XX/XX/year>, I submitted a written request for a second review of the dispute, explaining that I have never been to the merchant and that the transaction was fraudulent. I also stated I was willing to provide further evidence, such as my XXXX location history, to support that I was never at that store. I was also open to filing a police report or contacting the merchant directly if BMO can support with documentation or further suggestions for next steps. I also requested documentation supporting their conclusion, including how they verified the chip read and merchant information. I received no acknowledgement or response. 

On XX/XX/year>, I sent a follow-up email asking for confirmation that my second review request was received, a status update, and the expected timeline for resolution. And a follow up to both emails sent on XX/XX/year>. Again, BMO did not respond to any of my XXXX emails and provided no information. 

This means BMO has failed to properly investigate the unauthorized transaction and has not complied with my request for information or with the requirement to conduct a timely review under Regulation E. I can provide supporting evidence such as my emails, the denial notice, and proof that I was not near the merchant.

I am requesting that BMO reopen and complete the investigation and reimburse the unauthorized {$21.00} charge.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In order to close my account they said I have to contact over XXXX merchants and remove payments. I only want to close my account as there is no buyer protection. I purchased a shein item ( couch ). It was delivered without the accessories to assemble. I asked to send the pieces they replied that I must return. So I bought the replacement parts. So I want compensation for the time and missing items ( and additionally the material was not as described ). PayPal disputes team did not waive the case in my favor. So I appealed l. They did not provide messages or any communication regarding the appeal. And now will not allow me to open a new case and will not allow me to close my account.

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 2025-11-18 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: NC

Complaint narrative:
I am a victim of identity theft and national credit bureau data breaches ( XXXX XXXX XXXX ). Experian XXXX. continues to report fraudulent and inaccurate tradelines on my consumer credit report despite multiple disputes. These include : a ) CXXXX 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 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 : Balance : {$320.00} : Date Fraud Begun : XX/XX/XXXX I have disputed these items multiple times. Experian XXXX. has failed to conduct a reasonable reinvestigation, continues to report them as valid, and has not provided documentation verifying their accuracy. 
Violations Alleged Federal Law : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i : Failure to conduct a reasonable reinvestigation within 30 days.

1681n : Willful noncompliance.

1681o : Negligent noncompliance.

Damages Suffered Denial of credit and higher interest rates.

Denial of employment and housing opportunities.

Emotional distress, reputational harm, and financial costs incurred attempting to correct errors.

I request that the CFPB require Experian Plc. to : 1. Delete all inaccurate accounts listed above. 
XXXX. Provide written confirmation of deletions/corrections. 
XXXX. Send updated reports to all entities that received my report in the past 6 months ( 2 years for employment ). 
XXXX. Provide documentation of the method of verification used. 
XXXX. Compensate me for damages sustained. 
Authority Federal courts have recognized consumer rights to hold CRAs accountable for inaccurate reporting, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Experian XXXX. continued reporting of fraudulent accounts despite notice and dispute is unlawful. I request immediate regulatory intervention to enforce my rights under federal and North Carolina law.

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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is posting that I have a late payment recently which is completely false. I have some past debts associated with a few collection agencies. In an attempt to make me pay, they are violating the FCRA by re-aging my debts as new debts that are somehow categorized as late payments. This attempt to make me pay by resubmitting my old debts as new late payments is illegal. They do this to force you to pay or your credit score will keep going own. Experians customer service is a complete fraud that prevents any kind of resolution. You cant get a live person no matter what you do. XXXX XXXX XXXX XXXX is the company that is re-aging my debts as a new late payment which is illegal under the FCRA. XXXX other collection agencies of concern are XXXX XXXX XXXX and XXXX XXXX XXXX. They may be involved in the re-aging of debts which is illegal under FCRA.

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 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
In XX/XX/year> due to a tax classification, I was overbilled on my property taxes, for a total of {$8200.00}. I appealed the tax classification in XXXX XXXX While my appeal was pending the tax bill was paid from my escrow account with XXXX XXXX XXXX XXXX XXXX  The appeal was granted and my tax amount was reduced by {$6800.00} on XX/XX/scrub>XXXX XXXX XXXX  advising the mortgage servicer to contact the XXXX Office of Tax and Revenue to process the refund. In XXXX, I reached out to Shellpoint/Newrez with the correspondence received from the DC XXXX XXXX XXXX and XXXX, and requested they process the refund with an escrow analysis. On XX/XX/year> I received a response back from Shellpoint/Newrez stating they 'opened a task to track refund and it will be processed soon '. 

Instead, on XX/XX/year>, I received an updated escrow analysis which did not reduce the refund of {$6800.00}, and there is no indication it was processed with the DC Office of Tax and Revenue. I contacted customer service and had to walk through what happened with the agent, and was told a note would be put in for the escrow department to correct this. 

Time is of the essence for me as I'm in the process of applying for a refinance and the escrow amount does not look favorable in my application. 

Also, I renewed insurance recently and paid a {$500.00} down payment, and need to know if this is reduced from my escrow as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My account was compromised fully, all information was changed overnight, where all funds from the account were removed. They are now refusing to reverse the transactions and return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: TN

Complaint narrative:
I have a medical account with XXXX XXXX XXXX XXXX. I set up automatic monthly payments and have continued paying every month. Even though payments were being made, the hospital sent the account to a third-party debt collector. I was not notified that the account was at risk of being sent to collections, nor was I told that my payment plan was no longer recognized. 

I contacted the hospitals billing department multiple times to request that the account be recalled from the collection agency and reassigned back to the hospital. It has now been over XXXX months, and I have not received any resolution. The hospital has not responded with any explanation or correction. 

During this time, the collection agency has continued to contact me even though the debt is being disputed and was actively being paid. This situation is causing unnecessary financial harm and stress.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I saw that these inaccurate accounts continue to appear on my credit report, and they still have not been removed. This situation is overwhelming, so I am urgently asking that the documents I have attached be reviewed carefully so I can finally stop stressing about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX Wrongful Repossession ( Combined Version ) Complaint Type : Auto Loan / Repossession Company : Bridgecrest Acceptance Corporation Complaint Description : My vehicle was wrongfully repossessed after I attempted to make my payment in the Bridgecrest app before the deadline they provided. On the evening of XX/XX/year>, I submitted my payment well before the XXXX XXXX cutoff time. The app was glitching and repeatedly returned me to the one-time payment screen after I clicked Submit. I have a time-stamped screenshot showing my payment attempt. 

Despite this, Bridgecrest repossessed my vehicle in XXXX 

Immediately after discovering the repossession, I emailed Bridgecrest with my screenshot showing the payment submission time and explained the app malfunction. I made a good-faith effort to pay before the deadline, and their system failure should not result in repossession. 

Following the repossession, I requested : A written reinstatement quote A full payment ledger All fees and charges in writing Written notice of where my vehicle is located Written instructions to reinstate or redeem Bridgecrest repeatedly told me they can not send these documents, even though written documentation is required under federal loan servicing regulations and the Florida Consumer Collection Practices Act. 

Their refusal has made it impossible for me to reinstate my loan or retrieve my vehicle. They repossessed my vehicle after a documented payment attempt, and they are now obstructing my ability to resolve the issue by refusing to provide written information. 

I am requesting CFPB assistance to : XXXX. Obtain a written reinstatement amount XXXX. Obtain a full written payment ledger XXXX. Obtain a written breakdown of all repossession-related fees XXXX. Identify the location of my vehicle XXXX Review whether the repossession was wrongful due to the documented payment attempt and app glitch XXXX. Investigate Bridgecrests refusal to provide legally required written documents XXXX. Prevent any sale of the vehicle during the investigation My vehicle was repossessed even though I attempted payment before the deadline, and Bridgecrest is withholding essential documentation required for reinstatement. I am simply trying to correct the account and recover my vehicle, and the companys refusal is causing significant financial and emotional hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am very distressed to see that the inaccurate accounts are still showing up on my credit report, and none of them have been taken off. I am begging for the documents I submitted to be checked properly so I can stop worrying about this nonstop.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am very distressed to see that the inaccurate accounts are still showing up on my credit report, and none of them have been taken off. I am begging for the documents I submitted to be checked properly so I can stop worrying about this nonstop.

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I applied for a loan and got approval. Sent my paystubs through the website and it gave me problems. Call them to inform of the situation and she was helpful. Then wanted my whole social number for verification. Now I been declined cause the verification the representative read to me over the phone was not approved. Call them back once again and still not able to help me out since the identity wasn't verified. Even though they got a copy of my paystubs and driver license front and back. Asked to escalate the Call. The representative had to put in a ticket and wasn't offered to speak to someone now. Told me it will take a few days to get a call back. Great.. Needing this loan to pay my rent and they didn't care. This is the worst customer service ever.

Company response to consumer: Closed with explanation