vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
I am writing to file a formal complaint regarding what I view as a deceptive, coercive, and frankly unethical attempt to force-place insurance on my property through a deliberately opaque and punitive process. 

I recently received XXXX physical mailers from my mortgage servicer, RoundPoint Mortgage, stating that my property may not be adequately insured and directing me to take action to avoid a costly, lender-placed policy. This is categorically false. My property has been covered continuously by a comprehensive XXXX XXXX XXXX policy since XXXX, the year I purchased the home. In nearly a decade, this has never once been an issue with any other mortgage servicer. 

Adding insult to injury, these notices were delivered via postal mail, despite my communication preferences being set to email-only in RoundPoints own portal. No emails, phone calls, or digital alerts were provided an intentional sidestep of digital notification settings that made it more likely this would be missed. That alone is grounds for scrutiny. 

But beyond the communication failure, the structure of this process feels like an intentional gotcha trap : instead of verifying coverage directly as every other mortgage company Ive worked with has done seamlessly with my XXXX  or the insurer RoundPoint requires the homeowner to personally locate documents, log into an obscure third-party portal ( XXXX XXXX XXXX ), and manually input a large amount of nonstandard data just to avoid being charged a fee for unnecessary coverage. This is not a customer service process it's a profit-driven pressure tactic. 

I want immediate written answers to the following : Why was no effort made to verify my insurance coverage directly with the XXXX  or insurance provider, as is standard across the industry? 
Why were communications sent by paper mail only, in direct violation of my stated email-only communication preferences? 
What oversight exists to prevent this process from being used to generate revenue through uninformed or delayed homeowner responses? 

Let me be absolutely clear : if this issue is not resolved swiftly and if I incur any charges, stress, or administrative burden due to RoundPoints negligence or indifference I will escalate this matter to the state insurance commissioner, the CFPB, and legal counsel. I have no intention of quietly accepting what appears to be an orchestrated attempt to monetize compliance failures and catch homeowners off guard. 

I expect a formal written response within 7 business days confirming that my coverage is valid, the false claim of insufficient insurance has been dropped, and no further forced-placement actions will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This loan was paid in full XX/XX/year> I have requested multiple times to have this updated and it still has not been done which has caused my credit to suffer. This was NOT a charge-off as reported on my credit report please report this update to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2700.00}

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 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX  XXXX XXXX RE : Dispute and Validation Request for Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX XXXX '' in the amount of {$500.00}, associated with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.

I request the following documentation : 1. The original signed c
redit agreement bearing my wet signature.

2. Full itemization of the alleged debt, including all interest and fees.

3. Proof of assignment or transfer of the debt, including the complete chain of custody.

4. Any pooling or securitization agreements involving this account.

5. Confirmation of whether a Form 1099-C was issued.

6. A complete accounting of the obligation from origination to present. 

If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: DC

Complaint narrative:
My personal information was exposed to XXXX XXXX XXXX and my identity was stolen and i do not recognize these accounts listed below. 
XXXX name XXXX  XXXX XXXX OF MARYLAND Account XXXX XXXX XXXX. Account name XXXX XXXX Account number XXXX XXXX. Account name XXXX  XXXX Account number 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 2025-07-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX FEDERAL CR UNION # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  CREDIT UNION # XXXX * * * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Im receiving numerous phone call back to back in random hours of the day. 

After answering some of these calls they dont have too much information but request that I pay a debt that I did not do or sign off on. 

The specific entries I dispute are as follows : Company : Credit Systems XXXX XXXX Amount : {$650.00} Opened : XX/XX/XXXX Company : Credit Systems Int XXXX Amount : {$520.00} Opened : XX/XX/XXXX Company : XXXX XXXX  Amount : {$380.00} Opened : XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX FEDERAL CR UNION # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  CREDIT UNION # XXXX * * * * * * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I have a mortgage with PNC Bank. PNC Bank increased my mortgage payment due to a supposedly escrow shortage by {$550.00} per month. My previous total mortgage payment was {$1800.00} and my new total mortgage payment is {$2300.00} per month. This is a 30 % increase in my monthly mortgage payment due to the incompetence of the mortgage company to accurately estimate my insurance and tax amounts. I contacted PNC Bank and they agreed to spread the shortage over several years, however they have not done so. I do not think that a mortgage company should be permitted to increase a mortgage escrow payment by more than 30 % of the current payment. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I caled the credit caard company to note a change of address. I got a letter in XXXX indicating that the change of address had been recieved at my new address. It stated that if i made the change no other action was required on my part. It happens that XXXX Bank sent a letter to the previous address too. That letter, given that I am not there was retruned to the bank. Because the lette was retuned ( AS IT SHOULD HAVE BEEN given that an not at that address ) led the bank to place a block on my account WITHOUT informing me. The bank has my email, has my telephone number.... neither was used to let me know of the block. Standing in line for a purchase I am told, in the presence of many people that the charge was declined!! That was embarassing. I have no idea that there is a block on the account. Conversations with XXXX ' and XXXX?? at the back provided no acknowlegement that there is a problem with the bank 's prcedure. What was repeated was that the fact that the XXXX service returned the letter sent to the previus address blocked the account!! I was suppsed to leave a forwarding address?? The fact is that the letter informing me that the if I initaiated the change of address, that it was proecessed and that no other action was required of me should not have so stated. I should have been informed of the block. I am XXXX XXXX XXXX and take great pains to make certain payments and accounts and in fact that my life is in order ... My parents taught me well. I appreciated good CUSTOMER SERVICE and this is not that.

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 2025-07-06 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my credit card was charged XXXX  times at amount of {$920.00} total {$2700.00}. These purchases were not made or authorized by me. Capital one states based on their investigation that the charges were made by me. I did not make theses purchases and then was told to reach out to the vendor that made the charges but I have no information on the vendor and they claim to not have information either. I am unsure how to proceed because the lady I spoke to claimed because I still have the card it was me when it was not. I'm unsure how the investigation proved it was me when I did not make any purchases. I can provide photos of my location at the time of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting the removal of a fraud alert from my credit file. 

I submitted a written request to the credit bureaus TransUnionalong with valid documentation, including my government-issued ID, Social Security card , and utility bill as proof of identity and address. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request removal of any initial or extended fraud alerts. I no longer require the fraud alert to remain active on my file, and I have not placed any new alerts. 

Despite properly submitting my removal request with all necessary documents on XX/XX/year>, I have not received confirmation or removal of the alert ( s ).

I am asking the CFPB to assist in enforcing my rights under FCRA 605A, which allows a consumer to request the removal of a fraud alert at any time. 

Attached is my identity verification and the original fraud alert removal letter I submitted to all three credit bureaus. Please follow up with TransUnion to ensure this matter is resolved.

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 2025-07-06 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: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
FCRA violation loan not mine : ACHIEVE PERSONAL LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I paid the company off, the company is stating fraudulent information on my report. I paid this company off over XXXX to XXXX  years ok, but keeps reporting that i have a balance. Once I paid them off, they still will not remove it from my credit report. XXXX and deceptive practices 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 non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 20205\n\nTo\nExperian  XXXX XXXX XXXXSubject: Request to Remove Previous Addresses from My Credit Report\n\nTo Whom It May Concern,\n\nI am writing to formally request the removal of all previous addresses listed on my credit report and to retain only my current address, which is:\n\nNONE of my financial history or current accounts are associated with any and all previous addresses from over 20 years past.  All of my current financial ties and all accounts are associated to the address below.XXXX XXXX XXXX XXXX  GA XXXXPlease find enclosed a copy of my identification and proof of current address for verification purposes:\n\n* A copy of my government-issued photo ID\n* A recent utility bill or bank statement showing my current address\n\nI respectfully request that you remove all outdated or incorrect addresses associated with my file, as they are no longer valid and may lead to potential confusion or errors in reporting.\n\nPlease confirm in writing once the corrections have been made. I appreciate your timely attention to this matter.\n\nSincerely,XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 20205\n\nTo\nExperian  XXXX XXXX XXXXSubject: Request to Remove Previous Addresses from My Credit Report\n\nTo Whom It May Concern,\n\nI am writing to formally request the removal of all previous addresses listed on my credit report and to retain only my current address, which is:\n\nNONE of my financial history or current accounts are associated with any and all previous addresses from over 20 years past.  All of my current financial ties and all accounts are associated to the address below.XXXX XXXX XXXX XXXX  GA XXXXPlease find enclosed a copy of my identification and proof of current address for verification purposes:\n\n* A copy of my government-issued photo ID\n* A recent utility bill or bank statement showing my current address\n\nI respectfully request that you remove all outdated or incorrect addresses associated with my file, as they are no longer valid and may lead to potential confusion or errors in reporting.\n\nPlease confirm in writing once the corrections have been made. I appreciate your timely attention to this matter.\n\nSincerely,XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation