vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
You will see per copies of records that Mr. Cooper left a sticker on my basement door stating they were taking over my mortgage as of not that was left on the bottom basement door dated XXXX that as of XXXX Mr. Cooper took over my mortgage loan account # XXXX and only had the loan until XX/XX/XXXX in which as still apart of the Bankruptcy in which all of the fees and costs should have been included in the bankruptcy case. Please find documents that have XXXX total payment of XXXX. You will see balance of {$60000.00} as principal and then you will also find hazard insurance of XXXX legal fees of XXXX county taxes of XXXX County Taxes payment of XXXX for partial payment. Now they have not had the loan or done anything as it was not even XXXX days and why would I pay legal fees as I'm in bankruptcy and they ran up XXXX, stating that was due at filing yet they just took over the loan and the bankruptcy was filed in XXXX and it plainly say XXXX in the arrears at LAST MONTH ON THE INFORMATIONAL MONTHLY MORTGAGE STATEMENT. There was insurance paid again and taxes as which the previous loan mortgage showed payments and its due once a year not monthly plus my taxes has not ever been XXXX and insurance has never been over XXXX per year. Plus this statements shows that they charged from XXXX of XXXX and XXXX of XXXX, which their letter shows XX/XX/XXXX to XX/XX/XXXX. 
i WILL LET THE MONTHLY STATEMENTS SHOW YOU THAT IN XX/XX/XXXX total PAYMENT WAS XXXX PRINCIPAL XXXX ESCROW A CREDIT OF XXXX, however just XXXX months later it was XXXX a payment of XXXX with total due XXXX. 

My question is the inflated fees, the legal fees on a new loan, inspection fees, They show no payments made to them and XXXX ran up XXXX compared to when they got the loan form XXXX. 

Both XXXX and Mr. Cooper has been in many class actions that would have affected me. in inflated and junk fees, failed to pay peoples fees and insurance and yes I was XXXX that had my property set for tax sale. Their own servicing practices and services for coinvent fees, inflated inspection fees weekly, higher property evaluations and expenses for online payments violations of consumer protection laws, robo calling, alleged sells the mortgages to XXXX. 

XXXX Mortgage has had multiple cases of class actions lawsuits which again has impacted me and my late husband and yes even while in a bankruptcy that is supposed to be safe and protected. 

Mr. Cooper and XXXX both have fraudulently ran up extra costs and exhibited corruption against struggling clients. They have and do know that they have surpassed against the statue of limitations in trying to collect fees that was involved in the bankruptcy, passed on down the lines with more inflated costs and refusing to provide requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
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 168b permissible purposes of consumer reports. 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. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-27 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: TX

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 168b permissible purposes of consumer reports. 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. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am requesting the removal of outdated and incorrect personal information from my TransUnion credit report, including old names, addresses, and employer data that do not match the information shown on my valid government-issued ID and current proof of address. 

On XX/XX/year>, I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ) requesting deletion of this inaccurate personal information. I specifically demanded that TransUnion respond and verify corrections within 4 business days.

I included valid documentation proving my current address and legal name. I am a stay-at-home mother and do not have a current employer, so any listed employer info is outdated and should be removed. 

These inaccuracies compromise the accuracy of my credit report, and I am requesting immediate correction or deletion of all unverifiable personal information in compliance with the FCRA.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting the removal of outdated and incorrect personal information from my TransUnion credit report, including old names, addresses, and employer data that do not match the information shown on my valid government-issued ID and current proof of address. 

On XX/XX/year>, I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ) requesting deletion of this inaccurate personal information. I specifically demanded that TransUnion respond and verify corrections within 4 business days.

I included valid documentation proving my current address and legal name. I am a stay-at-home mother and do not have a current employer, so any listed employer info is outdated and should be removed. 

These inaccuracies compromise the accuracy of my credit report, and I am requesting immediate correction or deletion of all unverifiable personal information in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am currently reviewing my LexisNexis report and there are addresses reporting on my report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : XXXXXXXX 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have been a victim of identity theft, and I have been a victim of data breaches from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-27 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NV

Complaint narrative:
This was a secured account with XXXXXXXX XXXX XXXX. I requested that my account be closed because my payments were not being processed and if they were processed they weren't being processed on time. I would receive calls that my account was delinquent and it wasn't. I would try to use my card for purchases and it would be denied. I reached out to the company and was told that they hadn't received my payment and that my card was over the limit. I paid the amount that they said I was over and asked for a copy of my account information. I tried to use the card again and it was denied. I then requested the account be closed and for a full refund of my money. When I reached back out to the company I was told that the company had been sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am filing a complaint about a disputed charge on my Apple Card ( issued by Goldman Sachs ) that was wrongfully denied. The dispute concerns XXXX XXXX XXXX order # XXXX, which included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted a return for all three items on XX/XX/2024, via XXXX prepaid return service. I received a confirmation email from XXXX acknowledging the return for all three items : the XXXX jeans and the XXXX However, the refund processed on XX/XX/XXXX only included {$110.00} for the XXXX jeans. XXXX claimed they did not receive the XXXX, this is not the case. The entire order was returned including all XXXX items. 

I filed a dispute through Apple Card, but it was denied because the merchant claimed the cologne was not received. Again, this is false, all items were returned to the store. 

I did not receive a refund for the XXXX ( {$84.00} ), which XXXX acknowledges in writing to XXXX  claim. 

I am seeking CFPB assistance because both the business and my card issuer failed to honor my legitimate return. I am requesting a refund of {$84.00} for the XXXX that was returned but not credited back to my Apple Card. 

Thank you so much for your time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX financed me a XXXX which was stolen XXXX weeks later, when police report was file, the XXXX went to try to run my name via vin number of vehicle and XXXX XXXX never included my info on the car. I never received car back. 
Theft occured in XXXX, I reside in XXXX, had no way to get back to get car, had no money to go back to XXXX  without car, and due to car being stolen employement was lost and was kicked out of residence due to loss of wages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME A AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE! 

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : 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 pronmtly remove this data within XXXX bbusiness days pursuant to 15 USC 1681-c-2 to aviod any furthur legal proceedings. Thank you for your timely 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 2025-05-27 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: TN

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
On XX/XX/year> I called RoundPoint Mortgage Servicing LLC at their listed # XXXX and requested the PMI related to my mortgage be removed based on the Homeowners Protection Act. My XXXX at that time was already under the 80 % threshold, near 78.47 %. I meet all other conditions ( good payment history, current on loan, no subordinate liens ) to have the PMI removed based on the XXXX. I am not requesting removal based on current market value ; therefore, no new valuation is legally required. RoundPoint responded on XX/XX/year> by sending me a PMI Removal Request form. A .pdf is available here XXXX XXXX XXXX XXXXXXXX and has been attached to this complaint. In that form, their PMI XXXX XXXX on XXXX XXXX states that a valuation is required in any scenario. In XXXX XXXX of their written process, they also require consent to an unlisted property valuation fee for as much as " {$750.00} or more '' -- both sections seem to be in direct conflict with the XXXX. I was on the phone with RoundPoint while reviewing this document- I underlined the conflict with federal law and reiterated that my PMI removal be honored. As of today XX/XX/year> I called back in to RoundPoint- they are beyond a month of my initial request. They have continued to take PMI deductions from my escrow after my mortgage 's PMI should have auto-cancelled. Based on my call today they are refusing to remove the PMI or send me any written legal basis for their requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
LexisNexis is inaccurately reporting lien and judgment records that are not verified, do not belong to me, and were never served to me. Specifically : Filing Number XXXX Filing Number XXXX I never received proper notification, service, or verification for these records and was never a party to these alleged liens. LexisNexis is required under FCRA 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information they report. Verifying a lien by automated bulk data imports from third-party sources without confirming identity, service, or a court judgment violates this statute.

Under FCRA 1681i, once a dispute is submitted, the burden is on the agency to provide verifiable, original evidence ( i.e., wet-ink signature, court docket linking the consumer, certified judgment, and proof of service ). LexisNexis failed to provide such documentation.

Their verification is vague and unsupported by any legally binding or authenticated document that connects me to these records. Furthermore, per 15 U.S.C. 1681c, public record data must be accurate, complete, and not misleading. These are incomplete, and no legal process was provided to me.

This is inaccurate, unverifiable, and in violation of my due process rights under the FCRA and basic consumer protection law.

Company response to consumer: Closed with explanation