vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
I am making twice monthly mortgage payments, with each 1/2 payment including principal, interest, escrow, and additional principal payment. There is no pre-payment penalty on the mortgage.

I anticipated Freedom Mortgage would apply the 1/2 principal payments made twice monthly to reduce the principal balance with each payment. Thereby reducing accrued interest.

Instead Freedom Mortgsge places the 1/2 payment into a non-interest bearing Partial payment account until the second payment is received, then reduces the principal balance as a full payment.

I talked to Freedom Mortgage representatives any they said that is the way they handle partial payments, even though they apply twice monthly additional principal payments.

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 2025-11-10 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-10 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased furniture using special financing through Wells Fargo under the terms of no interest if paid in full within 18 months. I set up automatic payments online in the amount shown on Wells Fargos website, assuming that amount would ensure the balance was paid off within the promotional period.

However, the automatic payment amount ( {$170.00} ) provided by Wells Fargo was less than what was required to satisfy the
18-month payoff term. As a result, at the end of the period, I still had an outstanding balance of approximately {$1800.00}. Wells Fargo then added {$2000.00} in interest charges, increasing my balance to about {$4000.00}.

I disputed the charges, and after nearly two months of review, Wells Fargo agreed to waive the {$2000.00} in interest only if I paid the {$1800.00} balance within three weeks.

My position is that Wells Fargo should not have displayed or allowed an automatic payment amount that was insufficient to fulfill the terms of the promotion. This was misleading and unfair. I made every payment on time and in good faith, trusting that the payment plan set up through their system was correct. Had I been aware that the automatic payment amount was too low, I would have adjusted it immediately.

It is also unfair that Wells Fargo is giving me no reasonable option other than to pay the full {$1800.00} within a short period or incur {$2000.00} in interest. Furthermore, I dispute their claim that they attempted to notify me about the approaching end of the 18-month period.

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 2025-11-10 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: LoanCare, LLC
State: TX

Complaint narrative:
I sent an endorsed insurance claim check to the address specified ( received on XX/XX/year> ) I have now been waiting over a month for the funds to be released. An inspection was completed showing repairs at 100 % and yet no funds are being released. I have spoken to XXXX different people all who said they would escalate this to no avail. I finally asked for a XXXX and then their supervisor who were still unhelpful and told me they would hold my funds indefinitely until a XXXX who I hired sent them documentation back. I told them the XXXX wouldnt respond- and that I was suing them for incomplete work and refusal to reimburse overpayment. Mortgage company didnt care and said that until the XXXX responded they would not release the funds.

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 2025-11-10 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 XXXXXX/XX/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 2025-11-10 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am disputing the following items on my Equifax credit report. I request a full reinvestigation. If the information can not be verified with proper documentation, I request immediate correction or removal of the items listed below. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$700.00} XXXX XXXX XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$490.00} LATE PAYMENTS ( XXXX ) XXXX Acct : XXXX This late payment appears inaccurate or unverifiable. If it can not be substantiated with proper documentation, I request removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Chase Credit Card reduced my limit from XXXX to XXXX. I have never been late always paid my bill on time in full each month. I had an XXXX XXXX XXXX until this change which I'm sure it will change with this change in spending limit debt to bill ratio I have always taken pride in my credit score and currently have XXXX cash back sitting in my chase account from rewards I have received for paying my bill in full each month now I'm being reduced because I haven't used the card as much This is going to impact my credit score the same as someone that didn't pay their bills on time and getting their limit reduce for not paying their bill on time and I feel like I'm being treated like I'm a risk and my credit score will imply this This is not right for someone that has always paid their bills on time to improve their credit and spending limits over the years to be undone just because I have used my credit card less

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-10 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XX/XX/XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX placed against me, which has been legally been satisfied.TD bank has still not released my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally complain about a late payment marking on my account and to request a thorough investigation into the circumstances surrounding this issue. As a long-standing customer, I value my relationship with USAA and expect fair and transparent handling of billing matters. 

On XX/XX/year>, I made a payment of {$250.00} toward my outstanding balance, which I believed at the time to be the correct amount due. However, I later learned that the total due was {$260.00}, resulting in an underpayment of {$9.00}. I never received any prior notification of the exact amount due via email or postal mail, despite having provided my contact information. This lack of communication prevented me from correcting the payment before it was processed. 

Additionally, the phone calls I received regarding this matter appeared to originate from a number flagged as a potential scam by my phone XXXX. This raised serious concerns about the legitimacy of the contact and further contributed to my confusion and delay in resolving the issue. 

Upon discovering the discrepancy, I promptly reached out to USAA to explain the error, provide context about the missed notifications, and request a goodwill adjustment to reflect the circumstances. In response, USAA team waived the associated late fees ( which are still on there ), which I appreciate. However, given that the underpayment was only {$9.00} and the waiver of late fees should effectively make my {$250.00} payment sufficient to bring the account current, I am perplexed and frustrated that my account was still marked as late. This has negatively impacted my credit and caused unnecessary stress. 

I kindly request that you investigate this matter, including : XXXX. Why I did not receive email or mail notifications about the payment due. 
XXXX. The source and legitimacy of the phone calls, particularly those associated with scam-flagged numbers. 
XXXX. Whether the waiver of late fees, combined with my payment, should have resolved the account status without a late marking. 
XXXX. Removal of the late payment notation from my account and credit report, along with any further adjustments as appropriate. 
I have attached copies of my payment confirmation, account statements, and records of our previous communications for your reference.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-11-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX  XXXX XXXX XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Netspend Corporation
State: NV

Complaint narrative:
I placed an online order with XXXX but canceled the order immediately. There was an authorization hold but XXXX canceled the transaction and sent me proof. Skylight bank immediately posted the transaction and did not return my money and is giving me a difficult time. I attempted to file a dispute for the transaction and the agent wouldnt do it. I filed the dispute on my own online and the bank is still giving me a difficult time returning my funds and it was their error. I received an email today, in which the agent was rude and stated they can cancel the dispute, in short not refunding my money

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app is allowing fraud activity on my account after I repeatedly sent in documents proving fraud Ive asked for my refund Ive asked that person for my refund i provided police report as well and even text saying that she took funds and still will do nothing and support that fraud on my account I have to tried to reach out to supervisors and no response or they say I cant speak with a supervisor

Company response to consumer: Closed with explanation