vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage with XXXX was transferred to Cooper earlier this year. At the time, my payments including escrow were approximately {$2000.00} a month, which I have been paying. I went to pay my mortgage for XXXX and the payment had increased to {$2500.00}. When I called and asked about it, the representative initially told me it was due to an increase in my XXXX insurance. I told her that made no sense. Then upon further review, she indicated that XXXX had paid the insurance in XXXX and XXXX paid it again in XXXX. This resulted in an increase of {$500.00} a month for my mortgage. I was told by a supervisor from XXXX that I would have to wait for the insurance company to refund the {$6000.00}, which takes as long as six weeks to receive, and in the interim, I am responsible for paying the increased mortgage payment of {$2500.00}! This company has taken zero responsibility for this error and I am shocked this business practice is even permitted by law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced collection account ( s ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ).

1. Request for Validation under 15 U.S.C. 1692g ( b ) : I hereby request that you provide proper validation of the alleged debt ( s ), including but not limited to : The name and address of the original creditor The amount of the alleged debt, including itemization of fees or interest A copy of any judgment ( if applicable ) Documentation bearing my signature or showing I am legally responsible for the alleged debt Until you provide this information, you are required by law to cease all collection activities, including reporting the debt to any credit reporting agencies. 
2. Cease Communication Notice under 15 U.S.C. 1692c ( c ) : Pursuant to my rights under 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter. If the alleged debt is valid, your only permissible response should be to provide the required validation or notify me of specific legal action. 
Be advised that failure to comply with these requests will constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or result in civil action. 
This letter is not an acknowledgment of any debt, nor an acceptance of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
Someone has added an authorized user account to my profile. I have asked several times for it to be removed but only get letters asking me to confirm my identity. I have provided this information on 3 separate occasions.

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 2025-04-15 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: DC

Complaint narrative:
( XXXX XXXX XXXX XXXX ) this is not my account I was added to it by my parent. Please remove from my credit report because Im not obligated to receive negative remarks from the account on my credit. Please remove ASAP.

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CO

Complaint narrative:
On XX/XX/scrub>/2025, I became aware that my personal financial data, including my XXXX XXXX XXXX  details, may have been accessed by an external partyXXXX XXXX Department of Government Efficiency ( DOGE ). It was reported that DOGE was granted access to sensitive government systems, including the IRS 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX records. As a result, I am concerned that my loan information, including the terms and amounts, may have been mishandled or exposed without my consent. I have not been able to directly resolve this issue with my loan servicer or obtain clarification about the security of my loan data from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Notice of Unauthorized Credit Limit Decrease Dear Best Buy Customer Service, I am writing to formally address an issue regarding my Best Buy credit card. I recently discovered that my credit limit was decreased without any prior notice. Based on my understanding of the laws governing credit card issuers and my rights as a consumer, this action appears to be in violation of several federal regulations, and I am requesting an immediate review and correction of this matter. 

According to the Credit Card Accountability, Responsibility, and Disclosure Act of XXXX XXXX  CARD Act ) and The Truth in Lending Act ( TILA ), I believe the following laws were violated : 1. CARD Act - Section 101 ( a ) ( 1 ) : Credit card issuers are required to provide at least 45 days advance notice before decreasing a credit limit. I did not receive any such notice, and I was not made aware of the change before it occurred. 
2. CARD Act - Section 101 ( a ) ( 3 ) : If the credit limit reduction was based on information from a credit bureau, I must be informed of the reason for this action. However, I was not provided any explanation or disclosure as to why my limit was decreased.

3. CARD Act - Section 102 : As a consumer, I have the right to opt out of certain changes, including credit limit decreases, in specific circumstances. I was not given this option, nor was I informed of the reduction in advance, making it impossible for me to exercise my right. 
4. TILA - Section 1026.9 ( c ) : Creditors are required to notify consumers of significant changes to their credit card terms, including credit limit reductions, at least 45 days in advance. I did not receive any such notification, thus violating my rights under this statute. 

Given that these laws appear to have been violated, I request that you immediately : XXXX. Provide a detailed explanation for the credit limit decrease and clarify whether it was based on information from a credit bureau. 
XXXX. Reinstate my previous credit limit, or provide a reasonable justification for the reduction in compliance with the law. 
XXXX. Take corrective action by ensuring that proper notices are sent to me in the future in accordance with the laws cited above. 

If I do not receive a satisfactory response within 30 days, I will be forced to consider further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring other legal avenues to resolve this matter. 

Please address this issue promptly and send a response to my contact details listed above.

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 2025-04-15 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: IL

Complaint narrative:
I was notified today that TransUnion refused to reinsert a XXXX XXXX XXXX account ending in XXXX due to " internal policy ''. This account is currently suppressed on my TransUnion credit report. XXXX has said I need to reach out to TransUnion, which I did today, and multiple reps have said that they can not unsuppress - only TransUnion can do so. 

TransUnion, please unsuppress the XXXX account ending in XXXX and add it back to my credit report, and please clarify why you rejected XXXX 's request to you to do the same. You recently unsuppressed my XXXX XXXX account ending in XXXX after XXXX XXXX reached out like XXXX did and after I reached out to you via the XXXX  so this is the exact same scenario. 

I should also not be having to file complaints over this matter. Please clarify who should be taking care of this directly on your side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX 2025, I disputed a {$190.00} charge on my Chase credit card with XXXX XXXX for sending me the wrong item. A Chase representative told me on the phone that the charge would be placed on hold while the dispute was reopened and that I would not need to pay it or be affected by it. Because of that, I only paid off my remaining balance.Despite that assurance, the disputed charge was added to my statement balance and reported to credit bureaus, causing my utilization to rise to 47 %, and my credit score dropped XXXX points. I feel that Chase misled me, caused significant damage to my credit, and failed to handle the dispute appropriately. I am requesting the CFPB to intervene, ensure this reporting is corrected, and hold Chase accountable for inaccurate and harmful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America, On XX/XX/year>, I submitted a complaint via XXXX regarding a fraudulent transaction involving your client, XXXX XXXX, who is using a Bank of America account to receive funds under false pretenses and conduct illegal financial operations. 

From two accounts my personal XXXX XXXX account and a joint account with my mother we sent her two XXXX transfers : {$100.00} and {$500.00}. XXXX promised to withdraw the money in XXXX and help deliver it to another person locally. Instead, she rerouted the funds through unknown third parties to a XXXX  account, possibly through multiple banks. She also withheld {$60.00} from the total amount and refuses to return it. 

We later discovered through written and audio messages that she runs an unauthorized money transfer business, helping people send money across borders while bypassing international sanctions. She uses both her XXXX  and American bank accounts for these activities. We were never informed of this, and believed she was simply doing us a personal favor. 

This individual is abusing Bank of Americas services to carry out suspicious financial operations. I filed a fraud complaint through XXXX and also contacted your bank, but to date, I have received no response. 

I am requesting : - A partial refund of at least {$60.00} that she unlawfully withheld. 
- An investigation into this customer 's financial activities. 
- A response from your fraud team confirming this case is being reviewed. 

I can provide screenshots, audio recordings, and payment IDs upon request. I expect this to be treated seriously, as it involves repeated misuse of your banking platform for potentially criminal activity. 

XXXX XXXX 's phone number : 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 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I noticed a collection account on my credit report, so I contacted the company that was reporting it and asked for a debt validation letter. Instead of sending me any proof that the debt was real or mine, they just sent me a bill offering a discount if I paid early like 50 % off or a payment plan. It said that if I did not act quick there discounted payment option would run out. I dont think that counts as a proper debt validation. I asked for real verification, not a payment offer. I believe this is a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-15 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: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-15 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: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
The Following companies has violated my rights please see attached document od the perpetrator that stole my identity.

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 2025-04-15 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: CITIBANK, N.A.
State: DC

Complaint narrative:
The Following companies has violated my rights please see attached document od the perpetrator that stole my identity.

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 2025-04-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was looking at my credit report and saw XXXX fraudulent inquiry 's. 

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 2025-04-15 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: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-15 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: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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