vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I purchased a house for {$670000.00} on XX/XX/XXXX of XXXX from Freedom Mortgage. I lost my job on XX/XX/XXXX and struggled to pay my mortgage because I was on unemployment. I did not pay the mortgage for XXXX, XXXX and XXXX of XXXX. During that time, my mortgage was sold to Fannie Mae with Mr Cooper ( Nationstar Mortgage LLC ) servicing the loan. 

I called Mr Cooper in XXXX of XXXX to tell them that I lost my job and that I need their help. They told me that there was nothing I could do because I didn't own the house for more than XXXX years. I decided to put my house up for sale for {$720000.00} in XXXX of XXXX. I owed {$640000.00} for the payoff. 

Right before my realtor put the house up on the market in XX/XX/XXXX, Mr. Cooper called me back and told me that I could do a forbearance plan where my payment would get deferred for 6 months and that amount would be put on the back end of the mortgage. I decided to not put my house on the market in XX/XX/XXXX and take the forbearance deferment plan. After XXXX  months, Mr Cooper offered to extend the forbearance deferment plan for an additional XXXX months. 

During that time, I got another job but took a XXXX XXXX pay cut. My only option was to sell the house. I asked my realtor in XXXX of XXXX to put my house on the market for {$720000.00}, which would be enough to cover all closing costs and expenses since I owed {$640000.00}. My realtor asked me to get a payoff quote and that is when Mr Cooper sent me a payoff quote for XXXX. 

I currently have a cash offer of {$720000.00} to purchase my home and am prepared to pay the remaining principal balance of {$640000.00} at closing. 

However, the payoff statement provided by Mr. Cooper includes approximately {$80000.00} in additional interest, fees, and charges that I believe are excessive, improperly calculated, or unexplained. 

I have requested an itemized payoff statement, but several charges are unclear, and the figures do not appear consistent with the loan terms. I have also submitted a formal short-payoff request and requested a full account audit and correction. 

These additional charges are preventing the sale from closing, even though I am ready to pay the principal balance I legitimately owe. I am requesting the CFPBs assistance to ensure that the payoff is accurate, any improper or unverified charges are removed, and that I can complete the sale by paying the principal balance of {$640000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Emergency CFPB I am filing a complaint against Citibank regarding unauthorized debit card transactions and mishandling of my fraud claims, which are causing immediate financial hardship.

Details : Claim Numbers : XXXX ( XXXX  purchase {$96.00} ) and XXXX ( XXXX XXXX XXXX {$590.00} ) I did not authorize either transaction. 

The XXXX transaction never produced a receipt or confirmation and appeared after a suspicious redirect on the website. I reported it immediately. 

The XXXX XXXX XXXX transaction appeared this morning. I contacted the merchant and spoke with Operations Manager XXXX ( phone : XXXX ), who confirmed that : He could not give me more info directly but would provide all details to Citi.

He is willing to assist Citi in confirming the fraud.

He agreed to cancel the order and provide a voided receipt to expedite resolution.

He asked if I knew the name XXXX XXXX I did not.

Despite this verification and my repeated requests to speak with the Regulation E claims unit, Citi has : Refused to escalate my case Kept me on hold for long periods Disconnected calls Told me to wait for transactions to post before issuing provisional credits for both which can take 10 days and or to 90 days, leaving me out nearly {$700.00} of my own funds Impact : I am a single mother of XXXX. This delay is preventing me from paying my mortgage today, causing financial hardship, late fees, and extreme stress.

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 2025-12-01 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have made all student loan payments on time, yet MOHELA has repeatedly and incorrectly marked my account as past due. I have payment confirmation proving that the payments were received. 
In XX/XX/year>, a MOHELA representative confirmed that a {$24.00} past due amount was caused by a system issue and that no borrower error occurred. I paid {$48.00} in XX/XX/year> to resolve the issue, but in XX/XX/year> MOHELA then showed that same {$48.00} as past due. I contacted MOHELA again in XXXX and was told the problem would be resolved within 10 business days. After 12 business days, my account still showed the incorrect past due amount.

During another call, I was told my account would be placed into forbearance temporarily so I would not be penalized for MOHELAs error. As of XX/XX/year>, this has not happened, and my account is now showing new past due amounts on loans that I have already paid in full.

MOHELAs repeated system errors and inconsistent explanations have caused ongoing confusion and concern. I am worried these inaccuracies may impact my credit, repayment status, or interest accrual. I am requesting that MOHELA correct my account history, remove all incorrect past due designations, prevent any negative reporting, and provide written confirmation that my account is fully current.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. The specific inquiries I am referring to are as follows
: XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UTAHCASHLOANS LLC
State: UT

Complaint narrative:
I got a loan and took a bit longer to pay it off in full. The loan is paid off. However they threatened me daily with taking me to court over a XXXX $ loan. I paid it off and gave them a 1 star review online with no comments just the star. and they responded with posting my loan amount and payment schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: ND

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
XXXX XXXX is reporting inaccurate and unlawful information on my credit report for the account ending in XXXX. This account was included and discharged in my XXXX XXXX XXXX, but XXXX XXXX continues to report late payments and charge-offs AFTER the bankruptcy filing and discharge, which is illegal. 

Specifically, my credit reports show : XX/XX/XXXX : 60 days late XX/XX/XXXX : 90 days late XX/XX/XXXX : 120 days late XX/XX/XXXX : 150 days late XXXX XXXX : Repeated monthly Charge-Off ( CO ) reporting These entries could not have occurred, because the debt was no longer legally collectible after bankruptcy. This violates : FCRA 1681s-2 ( a ) duty to report accurate information FCRA 1681i duty to correct inaccurate information Bankruptcy Code 524 ( a ) prohibits post-discharge collection activity and derogatory reporting I have already disputed this with the credit bureaus, but the incorrect reporting continues. This inaccurate reporting is harming my credit, misrepresenting my payment history, and preventing me from obtaining new credit.

I am requesting CFPB assistance to have this XXXX  XXXX tradeline removed or corrected to show : Included in XXXX XXXX XXXX {$0.00} balance No post-bankruptcy late payments No post-discharge charge-offs I have attached : Affidavit Bankruptcy discharge Recreated payment history Screenshots of the inaccurate reporting My dispute letter Thank you for your assistance.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Opened : XXXX XXXX Amount due : {$720.00} Closed account is reported opened on my credit report, this is damaging my credit report please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Multiple accounts that I never opened or authorized are appearing on my credit report, and I have strong reason to believe these are the result of identity theft. These fraudulent accounts were created and reported without my knowledge or consent, and their presence is producing inaccurate, misleading, and damaging information about my financial history. This is a serious violation of my consumer rights, has caused significant stress, and threatens my financial security.

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 2025-12-01 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED ACCOUNTS THAT WERE OPENED WITHOUT MY CONSENT

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 2025-12-01 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: PA

Complaint narrative:
I am disputing the late payments reported on this account because they are the result of clear billing and reporting errors made by the creditor. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to ensure that all payments and credits are accurately reflected. However, payments I made were not properly recorded, and there appear to be calculation and posting errors in the amounts being reported. Additionally, I was not provided with the required 21-day notice before a payment became due, which makes these late payment marks invalid and unfairly damaging to my credit.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX. I have a debt with them through care credit and synchrony bank. I have since had my legal name changed. I've been willing to work with them thus far. But I have only asked for my name to be updated for legal accuracy as my right with the FCRA. I have all the legal means and documentation. Court papers, driver 's license, social security, birth certificate everything. I was told online to call XXXX from an account manager XXXX XXXX online saying they'd change it for accuracy. But when calling they said they can't, wouldnt provide a reason. I reiterated my means to provide proof. But they ignored it and said they can't do anything and weren't willing to.

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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: MI

Complaint narrative:
I have XXXX XXXX XXXX XXXX XXXX and I have 3 safety recalls with no remedy available I contacted XXXX and requested buy back or early lease termination they denied and ignored my safety and my kids safety

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On Saturday they in XXXX they repossessed the vehicle after I payed the XXXX hold off from repossession.They repossessed it anyway.They said i owed XXXX after paying approximately XXXX I asked if I can defer the payments at the back end of loan they said no.I did XXXX XXXX payments but the lady said i can hold off the repossession if I payed the fee .. The 24.99 % was incredibly hard to pay off this car.Im XXXX and on ssd.American Credit Acceptance didn't care. I really needed this car. But to say I owe XXXX after paying for approximately XXXX  years isn't fair.I need help. The reason I missed the payments was because I had to pay for insulin because my health insurance didn't go through. I also needed phone because no smartphone not anyway to do anything when it comes to bill payment or anything.If I would have known in the beginning that American Credit Acceptance didn't refinance I wouldn't have payed the XXXX down payment to enterprise in XXXX XXXX for the vehicle in the first place.But I wasn't informed about this.

Company response to consumer: Closed with explanation