vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Good day, I am submitting a complaint against Mr. Cooper part of Nationstar Mortgage. I submitted an appeal to have a 30 day late fee removed from my credit report due to lack of notification from Mr. Cooper. In a nutshell, the payment was missed due to an issue with XXXX XXXX. Unbeknownst to my husband and me, the payment did not go through. However, I never received any kind of notification of a missed payment, late fee being applied, or approaching 40 day late notification. It wasnt until my husband went to pay the bill that he saw we owed 2 payments. He simply paid the bill because there, again, werent any warnings or notifications of a 30 day late fee. It wasnt until I received a notification on my credit report that I saw the 30 day late notification. It dropped my credit score by XXXX points. I have never missed a payment and for a company to report such high stakes information, I believe I should have been notified. There is also a lack of communication with the company. If you call there main number, there is absolutely no way to speak with an agent or anyone that can assist. I called their corporate number and finally spoke with someone that told me to submit an appeal. I submitted it on XX/XX/XXXX. I inquired on XX/XX/XXXX and instantly received a denial letter of my request. I believe this is improper conduct, disruptive, and more importantly preventable. I dont believe I should be held to such consequences and the company not have to be held responsible for lack of proper notification. I ask that you investigate Mr. Coopers practices to prevent me and others from these improper practices. 
Please note,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Line Financial, PBC
State: TN

Complaint narrative:
XXXX I noticed that Beem took two payments out of my account. I contacted them and they stated that they only showed 1 payment. I sent the screenshots showing the double payments. They redo told me to contact my bank and get a PDF statement from my account and send it to them. I contacted my bank and she confirmed the payments indeed came out of my account but stated that my XXXX statement had not come out so all they would be able to provide me was a pdf statement of my account which I had already submitted. I contacted Beem again informing them that my bank did confirm the double payments and told them what the rep had told me the rep then said they sent the information to another department to look into the matter. This went on for several days then Beem told me that they only showed one payment. Even after I had submitted the proof. I had took out another {$50.00} loan with while all of this was going on. And since they had already took two payments I should not be charged for that {$50.00} I was just going to take the {$4.00} loss. I revoked the ACH by emailing them telling them I am revoking the ACH due to them getting to payments on the same day one cleared in the 2nd the other cleared on the 3rd. Today XX/XX/year> I wake up and they have disregarded the revoke and debited my account for {$54.00} again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: SC

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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX : XXXX Mortgage Account Number : XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX Date : XX/XX/XXXX To : Valley National Bank Mortgage Loan Servicing XXXX Subject : Formal Dispute of Reported Late Mortgage Payment XX/XX/XXXX Good afternoon, I am writing to formally dispute any negative credit reporting related to my XX/XX/XXXX mortgage payment. 



On XX/XX/XXXX, I visited the Valley National Bank branch on XXXX XXXX and made my full mortgage payment of {$4800.00} in person. This payment was made on the last day of the month, in accordance with your published grace period and federal credit reporting standards, and should not be considered late. 



Prior to making the payment, I also contacted Valleys Mortgage Customer Service team on XX/XX/XXXX to confirm whether a payment made on XX/XX/XXXX would be considered timely. I was clearly informed that making the payment on that day would be within the acceptable timeframe and would not result in late fees or negative reporting. 



Payment Details : Payment Date : XX/XX/XXXX Amount : {$4800.00} Branch : Valley at XXXX Teller ID : XXXX Branch Manager Contact : XXXX As a reminder, the Fair Credit Reporting Act ( FCRA ) and standard industry guidelines stipulate that late payments should not be reported to the credit bureaus unless they are 30 days past the due date. A payment made on XX/XX/XXXX for a mortgage due XX/XX/XXXX is clearly within this XXXX window and is not eligible for adverse credit reporting. 



I respectfully request that you review your internal records and remove any erroneous late payment reporting associated with this transaction. If needed, I am prepared to provide additional documentation or statements to support this correction. 



Please confirm in writing that this matter has been resolved and that no derogatory information will remain on my credit file. 



Sincerely, XXXX XXXX [

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in 1058 are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture but the late payments remain without proper validation or documentation. Under 15 USC1681S 2A the furniture must report accurate information under 15 USC 1681I the credit bureaus must preform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX LVNV Funding LLC has sent me XXXX Letters in correspondence from a debt challenge letter sent on my behalf to repair my credit stating they will not investigate my debt, stating it as Frivolous and Irrelevant and that they will not investigate the debt. XXXXVNV Funding has sued me before for past debt and it ended up defaulting and leading to Check garnishment for a debt. LVNV holds XXXX debts of mine, and more than likely has intentions to sue again to get the money owed to the accounts, plus court fines that goes to the courts and them. This is fraudulent activity being performed by LVNV Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion and Experian Subject : Dispute of Collection Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear TransUnion and Experian, I am writing to formally dispute the accuracy of a collection account reported on my credit file. The account in question is listed as : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX. ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Status : Collection / Derogatory Comment : Disputed by consumer I am disputing this account because [ select one or more of the following and modify as appropriate ] : I do not recognize this account and believe it may be fraudulent or reported in error. 
The account balance is inaccurate. 
I have no knowledge of ever having a delinquent account with XXXX XXXXXXXX XXXX or XXXX XXXX. 
The reporting dates and account details are inconsistent and unclear across the bureaus. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account and provide verification of its accuracy. If the information can not be verified, it must be deleted from my credit report. 

Please conduct a prompt investigation and inform me of the results in writing. Enclosed are copies of my government-issued ID and a utility bill as proof of identity and address. 

Thank you for your prompt attention to this matter. 

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 2025-06-08 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was a victim of identity and I have no knowledge of this account and neither did I ever apply for any credit cards, loans, or credit. I see that this debt collection agency is violating my rights by trying to collect a debt that I have no knowledge of they continue to harass me with harsh phone calls, emails etc. I need this debt removed from all three credit bureaus XXXX XXXX, and XXXX. I also would like to mention due to the XXXX class action lawsuit filed against XXXX on XX/XX/year>. Insist you conduct on investigation as you are required by the FCRA law. Please delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For the past 3 months Equifax has been reporting a wrong information on my credit file and I dont know why they have been doing this.I tried to contact them twice that my credit file is wrong yet they dont care.How will Equifax keep reporting a wrong fico score on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I called Bank of America around XXXX of 2025 to find out about escrow. 

All I got was the run around and nobody knew anything. 

In XXXX of 2025 I received a letter from Bank of America about taxes and insurance being escrowed ( see letter attached ). 

The account did not have an escrow set up as I the borrower has been paying the taxes and insurance. 

I still pay the homeowners insurance on this account. There is no reason for Bank of America to escrow insurance as they are current ( not past due ) and paid by the borrower. 

The amount if taxes owed is incorrect and the amount of insurance is incorrect. Based on the letter from Bank of America it looks like the only thing they did was to take the monthly mortgage payment and double it. 

This means Bank of America increased my monthly payment by 100 % using an inaccurate calculation based on wrong amount for taxes and insurance. 

Bank XXXX XXXX XXXX is attempting to collect a debt and fees I do not owe. 


To increase a borrowers monthly payment by 100 % in XXXX month should be XXXX. 

The monthly mortgage is about {$1300.00} and Bank of America added about {$1300.00} a month for taxes and insurance. See attached

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
The merchant XXXXXXXX XXXX took {$130.00} from my account for a purchased phone 2 days later the phone would not work. I took the phone back with digital receipt but he refused to give money back. I disputed with chime and they also refused to give me my money back. Chime is in violation of FDIC which insures accounts up to XXXX. Also the merchant XXXX XXXX XXXX illegal took XXXX dollars from my account and chime refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CT

Complaint narrative:
On XX/XX/XXXX Capital One closed my credit cards without me knowing. I called them and they were very vague on why my accounts were closed tried talking to them without any success reopening my existing credit cards. It states that they are restricted. XXXX of the cards I use all the time for gas and groceries. Called a second time still did not get a good reason to why they restricted my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NV

Complaint narrative:
TRANSUNION is in VIOLATION OF FCRA INCLUDING 605B, WILLFUL NONCOMPLIANCE, AND STALL TACTICS IN IDENTITY THEFT MATTER FCRA 605B [ 15 U.S.C. 1681c2 ] You are required to block all information resulting from identity theft within 4 business days of receiving proper documentation, including ( i ) proof of identity, ( ii ) an identity theft report, and ( iii ) identification of the specific fraudulent information. You have failed to block this data as required by law. This provision is mandatory, not optional, and noncompliance constitutes willful negligence.

FCRA 611 [ 15 U.S.C. 1681i ] You are failing to perform a lawful reinvestigation or respond with the required diligence and accuracy to disputes of identity theft-related entries on my consumer file.

FCRA 604 [ 15 U.S.C. 1681b ] You continue to permit access to and dissemination of my credit report without my written consent or a permissible purpose.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] You are not employing reasonable procedures to ensure the maximum possible accuracy of information included in my consumer report.

FCRA 623 [ 15 U.S.C. 1681s-2 ] The furnishers of these fraudulent accounts have been notified and are under legal obligation to cease reporting known false information. Yet these entries remain, implicating your agency in their continued publication.

FCRA 611 ( a ) ( 1 ) ( A ) and 605B ( c ) which explicitly prohibits delays and reinsertion of blocked information without legitimate certification from the furnisher.

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 2025-06-08 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 am writing to formally file a complaint against TransUnion LLC for their repeated failure to comply with provisions of the Fair Credit Reporting Act ( FCRA ), specifically related to a bankruptcy entry on my credit file and their refusal to furnish the required CRA procedural description following multiple requests. 

On several occasions, I have disputed the accuracy of a bankruptcy listed on my credit report and have repeatedly requested, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), that TransUnion provide me with a description of the procedure used to determine the accuracy and completeness of the information regarding the investigation of this public record. 

To date, TransUnion has not complied. Instead, they have issued a generic stall letter, failed to provide any meaningful or specific details of their investigation, and ignored my lawful demand for the names, contact information, and methods used to verify the information. I have also provided multiple forms of identity verification, including my government-issued ID and utility bills, thereby satisfying all verification requirements. 

TransUnions actions constitute the following violations of the Fair Credit Reporting Act : Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to furnish the required procedural description upon request.

Violation of 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in the consumers file. 

Violation of 15 U.S.C. 1681g ( a ) ( 1 ) : Failure to provide all information in the consumers file upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion / Experian Subject : Dispute of Inaccurate Reporting XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Dear Experian / TransUnion, I am writing to formally dispute inaccurate and potentially misleading information on my credit report related to the following account : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Type : Credit Card ( Revolving ) Balance : {$130.00} Past Due : {$130.00} Date Opened : XX/XX/XXXX ( Experian ), XX/XX/XXXX ( TransUnion ) Reported Status : Collection/Charge-off Last Reported : XX/XX/XXXX Comments : Charged off as bad debt / Profit and loss write-off / Unpaid balance reported as a loss by the credit grantor This account reflects inconsistencies, including a {$390.00} high credit against a {$200.00} credit limit and an unclear timeline surrounding the date of last payment ( XX/XX/XXXX ) versus the charge-off and reporting dates. I am requesting that the credit bureau : Verify the accuracy of the dates, high credit, and payment history with original source documentation.

Clarify or correct any discrepancies found in the credit limit, high balance, and status.

Remove or update this information if it can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ).

If the account can not be fully verified or corrected, I request that it be removed from my credit file.

Please complete the investigation within 30 days, as required by law, and provide me with a written response detailing the outcome of your findings.

Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am experiencing significant financial hardship due to pending legal action I have filed. I contacted Capital One via their support chat on XX/XX/year> to request a written hardship accommodation and explain that I am unable to call due to anxiety and the ongoing legal nature of my case. Despite this, I was not provided a way to escalate or speak with a live human via secure messaging. This lack of access and refusal to honor a communication boundary I am legally entitled to, especially during active litigation, has placed me at risk of financial and reputational harm. I am requesting Capital One escalate this to a written support team and pause negative reporting until I can submit full documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a wire transfer from my Chase bank online on XXXX to XXXX XXXX XXXX XXXX  amount of {$3000.00}, but this bank is a fraud and illegal.Its under my name but this is not my account.Somebody is posing as me.

Company response to consumer: Closed with explanation