vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I am the grantor and original signatory of a mortgage loan agreement currently serviced by RoundPoint Mortgage Servicing LLC. While I am referred to as the borrower in conventional terms, I am legally the grantor of the security interest and the party entitled to full accounting and disclosure under federal law and the UCC. 
I have submitted multiple written demands via certified mail, most recently on XX/XX/XXXX, requesting the following information : 1. Full accounting under UCC 9-210 and 12 U.S.C. 1831n 2. Proof of lawful standing under UCC 3-305 3. Disclosure of securitization or assignment under UCC 9-404 4. Evidence of no fraudulent inducement under XXXX  Civil Code 1572 Additionally, I requested information regarding any trust, pooling and servicing agreement ( PSA ), and the CUSIP number associated with the securitization of my mortgage. These requests fall squarely within my rights under RESPA ( 12 U.S.C. 2605 ( e ) ). 
Despite these lawful and specific requests, RoundPoint Mortgage Servicing LLC has failed to respond. XXXX XXXX the confirmed investor, has acknowledged that it does not respond to borrower inquiries and that all disclosure responsibilities rest with the servicer during a phone call with me on XXXX. Please note that I have sent numerous requests via certified mail with return receipt since XX/XX/XXXX. The XX/XX/XXXX letters were the most recent and final attempts. Roundpoint called me on XXXX @ XXXXXXXX XXXX to acknowledge receipt of the documents and state they would respond the following week. On XXXX, I received an email notification with another response letter ( attached ) stating they would provide me a response to my requests by XX/XX/XXXX. Take notice that they have sent nothing, and it is now XXXX, XX/XX/XXXX. 
This ongoing refusal constitutes a pattern of noncompliance and a violation of RESPA and UCC obligations. I request the CFPB to investigate, compel RoundPoint to respond, and apply any and all appropriate enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I observed a {$9.00} charge on my BMO credit card ending in XXXX. Upon inquiry, I was told the card was closed without my knowledge. I was transferred 6 times between customer service and rewards. Neither party was able to articulate which transactions led to the {$9.00} charge. 

On XX/XX/XXXX, I contacted BMO again. BMO said a supervisor will call me to explain the charge. I waited. No one called. 

To prevent debt, I logged in to ensure my automatic payment is working. However, upon log-in, I received conflicting messages. The page went from you will not be charged, to no automatic payment will be processed, to 500 Internal Server Error, to a BMO homepage with no access to any credit card accounts given their closed status. 

I continued to wait for the supervisor 's call but received no callback to this day. 

On XXXX, while still waiting for the {$9.00} to be explained and the system giving conflicting messages about payment not being processed, I was charged not one, but two {$9.00} fees, and an interest adjustment fee of {$1.00}, totaling {$20.00}. 

On XXXX, I called to inquire about the fees. I was again provided with a vague statement related to rewards, and BMO is " not able to tell you about the transaction ''. 

Afterward, I was pressured to pay the {$20.00} without a clear explanation of what led to the initial {$9.00} charge. 

The call dropped before the issue could be resolved. 

On XX/XX/XXXX, I called BMO and the manager XXXX again told me she was unable to tell me about the transaction that led to the {$9.00} charge, but insisted that I pay. She said she would have to transfer me to rewards to explain the charge. However, I had already been ping-ponged between BMO customer service and rewards in XXXX with no answer provided. 

In addition, the manager has now confirmed that the online payment system is not available to me given that my account was closed back in XXXX. However, I continued to be pressured into paying the extraneous fees. 

I request that 1 ) the {$9.00} be removed unless it is explained clearly as to which transactions led to the fee, 2 ) the extraneous fees {$9.00} + {$1.00} be removed.

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 2025-05-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am filing this formal complaint against TRANSUNION for the inaccurate and potentially fraudulent reporting of XXXX accounts on my credit file. The first account is from XXXX XXXX  with a partial account number of XXXX, reported as opened on XX/XX/XXXX. The second account is from XXXX XXXX XXXX, with a partial account number of XXXX, reported as opened on XX/XX/XXXX. I dispute the validity and accuracy of both accounts, and I affirm that I never authorized, applied for, or opened either one. Their presence on my credit file constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and may be the result of identity theft. 

I previously submitted formal dispute and reinvestigation requests directly to TRANSUNION, in accordance with FCRA 1681i, requesting deletion of both accounts unless TRANSUNION could obtain and provide documented verification proving the accounts are legitimate. To date, TRANSUNION has failed to provide sufficient evidence, such as original signed applications, statements of account, or documentation demonstrating a permissible purpose for the inquiries and reporting under FCRA 604 ( a ). Both accounts contain conflicting and unverifiable information regarding account activity, balance reporting, and payment history. These inaccuracies are damaging my creditworthiness and negatively impacting my financial opportunities. 

I am including my FTC Identity Theft Report ( No. XXXX ) as supporting documentation and again assert that these accounts were either fraudulently created or erroneously reported. I request that TransUnion immediately remove both accounts from my file and block their reinsertion as required by FCRA 605B. I further request that TRANSUNION provide written confirmation of the deletion, along with all documentation and communication used to justify the continued reporting of these accounts, if applicable. 

This ongoing misreporting is causing financial and emotional harm, including denial of credit and increased interest rates. I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate TRANSUNIONs failure to comply with federal reporting requirements, and to compel the permanent deletion of these inaccurate and disputed accounts. Accurate credit reporting is not just a legal obligationit is essential to protecting consumers from financial abuse and identity-related harm.

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 2025-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding an attempted but unauthorized towing incident involving XXXX XXXX  located in XXXX, Massachusetts. 
On Monday, XX/XX/XXXX, between approximately XXXX XXXX  and XXXX XXXX, an individual from XXXX XXXX unlawfully entered my private property without permission and began hooking up my vehicle, which was lawfully parked in my private driveway. While the vehicle was ultimately not towed, the operator was clearly preparing to remove it without my consent and in direct violation of Massachusetts law. 

This individual was trespassing on my property and committed an act of unauthorized entry, which escalated the situation into a breach of the peace. At no point were any legal grounds or required notices provided to justify this action. When I confronted the tow truck operator and refused to hand over my keys, he told me I would need to pay {$500.00} for a locksmith to replicate my keys an alarming and coercive tactic with no legal basis. 

Massachusetts towing laws are explicit in requiring proper signage, advance notice, and consent under certain circumstances. None of these legal requirements were met. I have video evidence of the entire incident, including timestamps, and am prepared to provide it upon request. 

This experience was both invasive and threatening, and I am requesting that your office conduct a thorough investigation and hold XXXX XXXX accountable for its actions, including trespassing, attempted unauthorized towing, and consumer intimidation. 
Thank you for your attention to this matter. Please feel free to contact me if you require any additional information or supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cliff Lending Inc. d/b/a Advance Loan Solutions
State: KS

Complaint narrative:
On XXXX I went into a contract with Advance Loan Solutions for {$300.00} loan. I agreed that I could pay it off by my next check on XX/XX/XXXX for {$390.00}. I was able to pay off the loan on XX/XX/XXXX ( they forced to schedule it for XX/XX/XXXX without charging me an additional {$5.00} for using my card on XX/XX/XXXX ). I expected ALS to adjust the {$90.00} interest charges since I was paying it off 11 days early. ALS refused to adjust the interest they could charge to XX/XX/XXXX even if I paid it early. I informed them that was illegal since there was no where in the contract that specifically stated the {$90.00} was a flat rate not interest. Instead I was referred to page 3 of my contract by a manager to the promise to pay section that she said did state that they could start charging interest the moment the loan was deposited. I didnt dispute that fact, but just using basic math if they are able to charge {$90.00} for a 21 day period the. Divide the 90 by 21 days and they are able to charge XXXX a day. I was willing to pay {$340.00}. They refused to take a less amount and told me if I didnt pay the XXXX they wouldnt close the account. I scheduled the payoff for XX/XX/XXXX through ACH for {$390.00} so I didnt have to pay the extra {$5.00} for using a card. However I want a refund of the XXXX for the overage in interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-05-19 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AZ

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. I do not know where these accounts came from. XXXXXXXX XXXX XXXXXXXX XXXX, {$750.00}, opened : XX/XX/XXXX XXXX XXXXXXXX, {$0.00}, opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX {$2600.00}, opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX - XXXX, {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$690.00} XXXX opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$14000.00}, opened : XX/XX/XXXX XXXX & XXXX XXXX - XXXX, {$2000.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$3500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX, {$660.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, {$440.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, {$400.00}, opened : XX/XX/XXXXXXXX XXXX XXXX- XXXX, {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX, {$130.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, {$470.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX, {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XXXX, {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, {$400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}, opened : XX/XX/XXXX XXXX XXXXXXXX, {$2100.00}, opened : XX/XX/XXXX XXXXXXXX XXXX  - XXXX, {$480.00}, opened : XX/XX/XXXX 2022

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 2025-05-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle was declared a total loss. I immediately reported this to XXXX XXXX and submitted an insurance claim through XXXX XXXX, which is still active and pending due to a delay on the insurers side. 

Despite timely communication and submission of all necessary documentation, XXXX transferred my account to collections after 60 days and reported a derogatory mark to the credit bureaus. This is not my fault, and the debt is expected to be paid by the insurance once the claim is processed. 

I have attempted to resolve this issue by contacting XXXX via phone, chat, and the app. However, I have not been able to speak with any English-speaking agent. Every call is routed to non-English staff who can not help beyond reading scripts. The app also prevents me from making any payments and redirects to the same phone number with no real support. 

I am requesting removal of the negative credit reporting and a pause in collections activity until the claim is resolved. I am also requesting that XXXX coordinate directly with 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle was declared a total loss. I immediately reported this to XXXX XXXX and submitted an insurance claim through XXXX XXXX, which is still active and pending due to a delay on the insurers side. 

Despite timely communication and submission of all necessary documentation, XXXX transferred my account to collections after 60 days and reported a derogatory mark to the credit bureaus. This is not my fault, and the debt is expected to be paid by the insurance once the claim is processed. 

I have attempted to resolve this issue by contacting XXXX via phone, chat, and the app. However, I have not been able to speak with any English-speaking agent. Every call is routed to non-English staff who can not help beyond reading scripts. The app also prevents me from making any payments and redirects to the same phone number with no real support. 

I am requesting removal of the negative credit reporting and a pause in collections activity until the claim is resolved. I am also requesting that XXXX coordinate directly with 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX I visited Chase Bank XXXX in XXXX XXXX XXXX PA, to open a new Checking & Savings account, which was successfully opened by the bank representative. but on XX/XX/year> received a email from Chase Bank saying we have restricted your account and call us on a number, which i called they asked me how did you opened your account in XXXX or XXXX i said in XXXX, but they said no system shows something different, you have to visit the branch with ID, so some one can help you. I visited the branch again on XX/XX/XXXX, XXXX the person who opened my account was not there but other representative helped me to see whats going on, she called the customer care and verified me as per there instructions. then she asked where you did you opened the account i said here in your branch only, she also know that since the first day when i visited the branch she was the first who welcomed me in the branch. she sad i remember you. then asked me is the person showed you a barcode to open the account? I said yes, then he entered all information in the system and showed me the barcode to scan from my phone and told me to follow the prompt to follow which i did. looks like that consider as a online account opening, how can i know that he also not told me. 
she explained this to the customer care person who was on the phone then he said i will try to solve this. but after few minutes he said i can not do anything since i have to talk to my higher level officer to do it will be solved on Monday. she told me Monday it will be taken car and someone will call me and update. but no one called me and i called the branch and spoke to person who initially opened my account, he said he don't know anything about this and system shows my account is closed. I am a XXXX yrs old person, and depend on other for ride and language problem, this bank people are giving trouble. 
I request & will be thank full if CFPB help me to solve this problem.

Company response to consumer: Closed with explanation