vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ

Complaint narrative:
In XXXX my parents took out a reverse mortgage with XXXX XXXX. At some point thereafter, they received notice that the mortgage was part of a class action lawsuit. They responded to the notice, but I do not know whether they chose to participate in the lawsuit or opted to handle the matter independently. 

Ultimately, XXXX XXXX and its parent company at the time, XXXXXXXX XXXX, left my parents to manage the issue on their own, reportedly due to the relatively small loan amount. However, no changes were ever made to the terms of the mortgage, and over time, the mortgage rapidly consumed the equity in their homeseemingly overnight. From the moment they signed, it appears they lost approximately {$130000.00} in home equity. 

Upon reviewing the records, it appears that my parents were paying high interest rates, costly insurance premiums, and administrative fees. When I questioned how much money my parents actually received from the loan, I was not given a clear answer. However, going through the documents myself, it appears that after depleting the homes equity, the company continued to lend them " XXXXXXXX XXXX '' funds under predatory termswhile threatening foreclosure if they did not comply. 

When we attempted to obtain discovery regarding the mortgages financial records, the lender moved for foreclosure and filed a motion for summary judgment. At the initial hearing, the judge denied the motion due to their failure to produce the required financial documentation. About a week and a half later, they filed a second motion for summary judgment. This time, they submitted altered records : financial documents that appeared redacted, concealing interest rates, fees, and other key data from the period when XXXX XXXX held the mortgage. The records they did provide appeared inauthenticmore like spreadsheets created in XXXX XXXX than legitimate mortgage statementswith no breakdown or categories explaining how the money was applied. 

Despite my motions opposing summary judgment and requests for full discovery, the court denied my requests. The lender was ultimately granted foreclosure, and the property is now scheduled for sheriffs sale on XX/XX/XXXX. 

I am a XXXX senior citizen and a XXXX individual. I have lived in the home with my parents and my XXXX cousin since XXXX. We have nowhere else to go. Due to the current housing crisis in the U.S., we are unable to find alternative housing or supportive resources. I filed an appeal as soon as I discovered this information, which has only come to light within the last week. This is an urgent situation, and I am desperately in need of legal help and a safe place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

PORTFOLIO RECOVERY ASSOCIATES {$540.00} PORTFOLIO RECOVERY ASSOCIATES {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX CPS Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2025-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I drove to the XXXX XXXXXXXX XXXX XXXX location. The first issue was I felt XXXX XXXX when she took measurement for my fitting in the middle of the store for everyone to see instead of using the available dressing rooms. When I went to check out they had to split my order into 2 separate orders. 1 was an order for the items I wanted they did not have available instore and informed me they would have to be shipped. She did not include my coupons I gave her. The other was for the items that were available in store that I was taking with me that day. The worker failed to provide me the advertised promotional price of XXXX pairs of underwear for {$35.00}. Instead she charged me for each pair which ranged from $ XXXX {$15.00} per pair. When I got home and noticed the overage charged I immediately reached out to them via their chat option and was told the issue required me to contact their customer service directly. I contacted the customer service as directed. The gentleman I spoke to said he pulled up both receipts and that he could apply the missed coupons to my online order, which he did. He said he knows the reason I didn't get the promotion in the store is because the representative only charged for XXXX of the XXXX underwear and therefore the discount did not apply resulting in the overage of all the pairs. He stated XXXX XXXX does not allow their representatives to fix that and I had to contact the store manager for that location directly. I then contacted the store directly and spoke with the manager who stated she would not fix the overage unless I reported back to her store directly in person. I told her that store is more than XXXX hours away from me and that was unreasonable. They had already been bouncing me all over the place to fix their errors. They were at this point stealing my money and avoiding paying it back. They have ability to take online order then they have the ability to issue me a refund for the difference that they took from me in error. The store manager still refused and tried to add additional work and fees for me to drive XXXX hours ( One way ) just to get my money back. I have estimated is approximately {$100.00} in overage on my credit card plus interest. Frustrated at not getting resolution I wrote a letter and hand mailed it to their corporate office. I waited a full month to give them ample time to respond and correct the issue. They chose to ignore it. I have since cancelled my credit card with them and will never do business with them again since this is how they treat their loyal customers and card holders. I can see why their businesses are struggling. I do however still want to get the money back they stole from me. I more than did my part and they have chosen to ignore every opportunity they had presented to them to make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Account Firstpoint Collection Resources. Balance owed : {$670.00}. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
1. What happened?

I submitted multiple disputes to Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiry that I did not authorize on my credit report. Here is the fraudulent inquiry I've found due to identity theft. Also I attached my identity theft report as well. 

XXXX XX/XX/year>

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of Identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to identity theft. I also attached my identity theft report as well. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received an email notification from Everbank on XX/XX/XXXX : Effective XX/XX/XXXX saving withdrawals will be limited to XXXX XXXX daily and XXXX XXXXXXXX total monthly. This does not make my money very accessible, so I took action to start moving it. The current Everbank Personal Account Terms, Disclosures and Agreements Booklet, dated XX/XX/XXXX and accessed today, says ( XXXX, XXXX ) " you may initiate up to {$50000.00} in External Transfers out of your EverBank account in the aggregate in a single day using this service ''. 

When I attempted to move XXXX XXXXXXXX I was denied, so I called and was told that in XX/XX/XXXX they initiated a " temporary '' limit of XXXX XXXX per day with XXXX XXXXXXXX total per month. News to me! This is NOT in line with what I signed up for, nor is it communicated in the most current Booklet.

I have initiated the procedure for closing the account entirely -- even with that, I lose access to my funds for at least two weeks while they mail me a check and I pray it doesn't get lost along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
As per the account manager request, I deposited XXXX into my account rather than using ATM however I noticed they charged XXXX dollars from account. I requested multiple times for a refund. I made a complaint and still no response. Csr suggests chase is one-way machine. Once its gone inside chase dont give back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I was involved in a car accident while driving my friend 's vehicle with their permission. The vehicle was insured under my friend 's name. I am not the owner of the car and do not have a personal auto insurance policy, as I do not own a vehicle. 

After the accident, the other drivers insurance company, XXXX, contacted me twice. During those conversations, they acknowledged that there was no clear way to determine fault in the accident. Despite this, I never received any claim summary, explanation of liability, or indication that I was being held responsible. 

Without notifying me or giving me a chance to respond, XXXX referred the case to a XXXX debt collection agency, National Commercial Services XXXX XXXX ). On XX/XX/XXXX, I received a letter from XXXX demanding payment of {$2200.00}. This was the first time I was made aware that a claim had been filed against me. I received no prior bill, explanation of how the amount was calculated, or documentation supporting the alleged debt. 

On XX/XX/XXXX, I called XXXX to explain the situation. However, the representative was dismissive and repeatedly misrepresented my statements. I clearly explained that I was not the owner of the vehicle and that the insurance was under my friends name. I also stated that I do not own a vehicle and therefore do not carry personal auto insurance. Nevertheless, the representative repeatedly tried to frame my explanation as an admission of being uninsured and insisted I was personally liable for the entire amount. The tone of the conversation was aggressive and unprofessional. I also advised them to contact XXXX or the responding police XXXX if they required further clarification. 

Shockingly, the very next day, the case was escalated and referred again to another XXXX debt collection agency, further increasing the pressure without providing any resolution or meaningful engagement. 

I believe this debt collection attempt is invalid, unjustified, and procedurally improper. I respectfully request that all collection activity be suspended immediately and that this matter be thoroughly reviewed based on factual liability and proper documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action. Please provide me with an updated credit report upon resolution.

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 2025-06-01 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
I have been disputing this account for months. They have not provided me verification of this debt nor deleted it. I have been a resident of Texas over 14 years. I have no debt in MO. This is not my accounts nor does the debt belong to me. They are continuing to tell me they verified but not providing me any info on how or what they are verifying I submitted a complaint thru the FTC and contacted the local municipality but they stated there wasn't much they could do over the phone.

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 2025-05-31 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: TX

Complaint narrative:
A dispute was filed for this account over XXXX weeks ago, and they still havent resolved the issue. I called Equifax today, and it was confirmed that the dispute was over 30 days, and no solution was given XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX or missing XXXX card and high balance XXXX making payments and high balance amount high interest rate requested decreased interest rate with good credit and deposits in main account and repayment XXXX card without knowledge improper notice of removing credit being still active once in repayment plan.

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