vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
I received a call several weeks ago asking me to pay the loan over the phone I told them I don't do over the phone payments to protect myself from identity theft as I have no way to verify who they are. They told me i had two weeks to make the payment or face action if i do not by the 1st of next month. They dont charge a late fee but they will report nonpayments to credit. They mailed me loan documents which I then used to try to create an online account but it said I couldn't be found. I tried calling the number provided which just provided another which I also called which then says call number provided by previous loan holder which they don't have nor did they give me. I drove two hours to go to one of their offices which I found to be completely empty at XXXX despite business hours saying monday-friday 8-5 and Saturday by appointment. Speaking to neighbors they said they've never seen anybody enter those offices or those who did said it was XXXX time in the last month. I tried calling the number on the door which lists the " branch manager '' and two employees however all three options just disconnect the line once I choose. I can't even get a mortgage statement I need to move the loan to another bank that I will be able to pay it. The branch manager at my bank was able to get a payment however he was unable to get a person either and therefore unable to get the loan statement for them to transfer it. I do have videos of attempting access to the website, empty office and even being disconnected when trying to call the office number i can provide however can't upload here do to limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 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 2025-10-30 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: MI

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 non-monetary relief
Consumer complaint received 2025-10-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX late mortgage payment on my credit reports. This information is inaccurate and does not reflect my long-standing payment history with Chase Bank XXXX 
In late XX/XX/year>, I received alerts from the credit bureaus stating that XXXX of my mortgage payments had been reported as more than 30 days late. This came as a complete surprise, as I have maintained an impeccable payment record for over 30 years with both of my mortgage accounts. 
I immediately contacted the Chase Mortgage Department for clarification. I was informed that XXXX of the XXXX mortgage payments did not process. I explained that the payment had been scheduled online as usual. The representative confirmed my history of never having a late payment and advised me to make a payment right away, with assurance that the late fee would be waived. Following those instructions, I submitted a payment in the amount of {$2000.00} to cover both XXXX and XX/XX/year> payments. 
Despite this, within a week, I discovered that a XXXX late payment was still reported to all three credit bureaus. 
Since then, I have contacted Chase multiple times, including Customer Relations, Dispute Resolution, and even the XXXX XXXX. I have also submitted XXXX written requests for a correction, as well as a goodwill adjustment, given my perfect payment history spanning more than XXXX decades. Each request has been denied. 
Chases justification is that email alerts were sent regarding the missed payment. While I do not dispute that emails XXXX have been issued, Chase manages multiple accounts for me and these emails are not distinguishable from routine notifications. Overlooking a single system-generated message should not outweigh XXXX years of flawless performance. 
To support my dispute, I provided evidence of the scheduled payment in the amount of {$810.00} yet the derogatory reporting remains. 
I respectfully request that this matter be investigated and that the inaccurate XXXX delinquency be removed from my credit reports. This late-payment mark is unjustified, harmful to my credit standing, and inconsistent with the customer experience I have demonstrated and expected from this institution. 
I am prepared to provide any additional documentation needed to resolve this dispute promptly. 
Thank you for your attention to this matter. I look forward to your swift response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This third party collector is impacting my credit reporting and attempting to collect {$19000.00} from me. I have had no lease or agreement ever with this company or the company they are representing XXXXXXXX XXXX I have no knowledge of the company or the address where they are trying to collect from. I have expressed numerous times that I am not the owner of this debt nor do I have knowledge or consent to this being on my credit report. Yet its still there affecting my life in many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Mid-Atlantic Finance Co., Inc.
State: NJ

Complaint narrative:
I did not grant permission for these credit inquiries. They are unauthorized and are negatively affecting my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Barclays Bank because they put a restriction on my account. 
The reason they put a restriction is because I couldn't get a code texted to me because I no longer had the phone they had on file. I asked if they could email me a code so that I could access my account as they had done in the past but they said NO. Anyway, I have been so frustrated by the fact that they need to verify my information every month when I have had my account with them for over 10 years and I use the same computer. I told them that I would just want them to close my Barclays account and transfer the {$190000.00} balance to XXXX XXXX. ( Which they have that account on file because monthly, I transfer interest from Barclays to XXXX. ) Anyway, they said in order to do that, I needed to send a copy of my drivers license, social security card, XXXX bank statement and I also sent a copy of my passport ( for good measure ) to XXXX. 
Today. XX/XX/XXXX I called them back to verify if they had received my information. They told me I needed to resend all the documents ( which I find very frustrating and not trustworthy ) in order to request my account be closed. So, as of today, I have sent the documents twice and have not received any feedback from the bank. This is my life savings and the money I live on. I can't wait around for them to get to my file. I am XXXX and depend on my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc.
State: WY

Complaint narrative:
I signed up for a XXXX Credit Card earlier this year. 

I began using it last month. My first payment due date is XXXX. 

I owe a {$6100.00} balance ( roughly ). 

Coinbase will not let me link my bank account except by way of XXXX. This is so because Coinbase thinks I CAN link my bank account through plaid. BUT I CAN'T. I spent over an hour on the phone with a rep, and she could not help me. 

Because I can not pay through plaid, I have to deposit funds to coinbase to pay. BUT COINBASE CHARGES A PERCENTAGE FOR EVERY AMOUNT YOU DEPOSIT. Thus, just to pay off my XXXX  XXXX balance, I HAVE TO PAY WELL OVER A XXXX DOLLARS IN TRANSACTION FEES!!!!!!! 

When I tried to make a formal complaint about this on Coinbase 's website, the form took TONS of time to fill out. And THEN BECAUSE I SELECTED THAT I WAS SEEKING MONETARY DAMAGES, it REQUIRED that I select my choice of currency from a drop-down box. But NO OPTIONS WERE AVAILABLE. I EVEN SELECTED THE NOTHING OPTIONS TO NO AVAIL. Because this was a required field, COINBASE WOULD NOT LET ME SUBMIT MY COMPLAINT. I have screenshots of this clear strategy to PROHIBIT monetary demands and DISCOURAGE customers seeking redress. 

Second issue : Coinbase did not tell me I would have to pay a yearly {$50.00} fee to use its card until I already had the card and was using. This was also fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been trying to open and access the funds in an Inherited XXXX  that my grandmother left me after she died XXXX months ago. Citi Bank has failed to open the account despite me providing all information they have requested! They are illegally withholding funds from 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 monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Please see attached letter. I am asking FBI to investigate as it seems highly likely that XXXX employees are perpetuating the fraud, reopening account XXXX times after XXXX specific requests to close and then sending XXXX different cards to bogus address in Ohio for use by conspirator.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
Hancock Whitney Bank closed my account for being overdrawn by about {$130.00}. However, the account technically remains open according to the banks statements and emails. Despite this, they have XXXX my online access, preventing me from viewing or managing the account. 

Recently, I received an email notification that a {$200.00} bonus was deposited into my account, but I have no way to access or withdraw this money due to the restricted online access. I continue to receive monthly account statements and other communications indicating the account is still open, yet I am completely locked out. 

Ive attempted to resolve the issue with the bank, but my account access has not been restored, and I have not been provided a clear explanation or a way to claim my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Resurgent Capital Services regarding XXXX accounts owned by LVNV Funding LLC that appear on my credit report. Both debts are from early XXXX. I was calling to resolve them, either through payment or settlement, and requested written confirmation of any pay-for-delete or payment agreement. 

The representative refused to identify himself, refused to transfer me to a supervisor, and hung up after I stated that I was recording the call for accuracy. When I called again, another representative told me that Resurgent Capital Services could not accept payment directly and that I had to contact a law firm instead, but they would not provide written confirmation of this. The representative later gave me the name of the law firm, but that firm does not answer phone calls and their voicemail box is full. 

The accounts are now nearly XXXX years old, and I believe they are beyond XXXXXXXX XXXXyear statute of limitations for credit card debt. I believe LVNV Funding and Resurgent Capital Services are continuing to report and attempt to collect on time-barred debt while refusing to provide written validation or to accept payment directly. 

I am requesting that the CFPB investigate Resurgent Capital Services and LVNV Funding LLC for their collection practices, require them to provide written validation of the debt and the last payment date, and remove or correct any inaccurate or unverifiable reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-30 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: KEYCORP
State: OR

Complaint narrative:
XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} toggle details for debit transaction amount XXXX from reverse provisional credit-disputes on XX/XX/year> XX/XX/year> reverse provisional credit-disputes Misc- {$99.00} I disputed the above charges from XXXX  with my bank. These charges were from some online game the children were playing. The game accessed my digital wallet and keeping repeatedly charging my account. I also requested a refund from XXXX. XXXX denied the refund. So I filed a dispute with my bank. My bank, Key bank has recharged my account for these disputed charges?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation