vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have a mortgage serviced by Mr. Cooper ( Nationstar Mortgage LLC ) for my property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My loan number ends in XXXX. 

Since XX/XX/XXXX, my escrow account has been recalculated multiple times, resulting in XXXX separate escrow shortages in less than XXXX years. The shortage adjustments were as follows 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 XXXXXX/XX/XXXX, I paid the {$9700.00} escrow shortage in full to bring my account current. I have also made every monthly mortgage payment on time and in full since origination. 

Despite this, I have now received delinquency letters and a Sheriff Sale Notice from the XXXX XXXX XXXX attorneys XXXX XXXX XXXX XXXX, XXXX ) stating that my property taxes remain unpaid. This is occurring even though I have been making full monthly escrow payments and paid the shortage in full. 

I have repeatedly requested from Mr. Cooper : A complete escrow history ( deposits, disbursements, analysis projections ). 

Proof of all property tax payments made from escrow. 

An explanation for the repeated mid-year recalculations. 

Instead of providing this, Mr. Cooper has sent me only generic policy explanations, without proof of disbursements or documentation of specific tax bills. Meanwhile, my property is now at risk due to servicer failure to pay property taxes on time. 

This is a serious escrow servicing error and appears to violate RESPA requirements for escrow account management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
This inconsistency is a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Additionally, Metro 2 Compliance Standards require furnishers to report data uniformly and accurately across all credit reporting agencies. The contradictory reporting of this account demonstrates noncompliance with these standards.

I have formally disputed these inaccuracies with each credit bureau and requested deletion of the false late payments. If the bureaus continue to report conflicting and inaccurate information, I request that the CFPB take enforcement action to ensure compliance with federal law and industry reporting standards.

Attached are copies of my dispute letters sent to each bureau. I respectfully request the Bureaus assistance in compelling the CRAs to delete the inaccurate late payments from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CarMax, Inc.
State: TN

Complaint narrative:
I am disputing an alleged auto deficiency balance of {$9100.00} being demanded by CarMax Auto Finance XXXX XXXX. 

CarMax repossessed and sold my vehicle but continues to demand this deficiency without providing any proof that it currently owns or holds my XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/year>, I sent CarMax a Final Chain of Title Demand Letter by certified mail. In that letter, I requested : Proof of ownership or assignment of my XXXX, The full chain of title showing whether the XXXX has been securitized, transferred, or converted into a book-entry security, Evidence that CarMax retains XXXX standing to enforce or collect the alleged deficiency. 


To date, CarMax has ignored prior requests and continues to demand money without showing ownership of the debt. This creates confusion, damages my credit, and subjects me to collection efforts by a party that XXXX lack standing. 

I am requesting that the CFPB require CarMax to : XXXX. Provide complete documentation of ownership/chain of title for my RSA, XXXX. Demonstrate that it has legal standing to collect, and XXXX. Correct any collection or credit reporting activity if it can not prove ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Experian for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute reinvestigation. Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are unauthorized hard inquiries on my credit report that I did not authorize. Under 15 U.S.C. 1681c-2 ( FCRA 605C ), I have the right to request that consumer reporting agencies block and remove information resulting from identity theft or transactions I did not authorize. I am requesting that these inquiries be deleted from my credit file in compliance with the law. The hard inquiries are : 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account ( XXXX XXXX ) : ( # XXXX * * * * * * ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated on time as they should be as I was NEVER late. Thanks.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
Received letter from I.Q Data XXXX XXXX XXXX about debt collection at THE XXXX AT XXXX ( CA ). I have not been informed by company about this debt. No email contact or phone call. I want to know what this debt is intitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX, which is unlawfully reporting a fraudulent collection account on my consumer credit file. 

Creditor/Agency Name : XXXX Amount Reported : {$2300.00} Status Reported : Closed Collection Credit Bureaus Reporting : Experian, TransUnion, Equifax This account is not mine and is being reported in error. I have already disputed this account with the credit bureaus and provided my identity theft report, copy of government-issued identification, and proof of address. Despite these actions, the account remains on my file.

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires fraudulent/identity theft accounts to be blocked and deleted within 4 business days of receiving documentation.

FCRA 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed accounts within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits the furnishing of false or misleading information related to a debt. 

By continuing to report this account, XXXX and the credit bureaus are in violation of federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

Enforcement action against XXXX for willful noncompliance with the FCRA and FDCPA. 

This fraudulent collection account is damaging my credit and financial stability. I respectfully request CFPB intervention for prompt correction.

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 2025-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
It was reported to local and federal law enforcement that my former roommate has stolen my identity and was opening bank accounts, credit lines and an attempt to purchase multiple vehicles in my name. The following companies have pulled my credit over XXXX times EACH in the past XXXX days without my permission, on some occasions XXXX times in XXXX day : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO CREDIT None of these inquiries were authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
It was reported to local and federal law enforcement that my former roommate has stolen my identity and was opening bank accounts, credit lines and an attempt to purchase multiple vehicles in my name. The following companies have pulled my credit over XXXX times EACH in the past XXXX days without my permission, on some occasions XXXX times in XXXX day : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT None of these inquiries were authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Kriya Capital, LLC
State: OH

Complaint narrative:
I owed XXXX, so they sold my info to Credence Resource Management , LLC. And they bought my account. So now it's paid for, I think. But them. I didn't give permission to sell my info. XX/XX/year>. Amount was XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Respondent : 1st Progress Card Services ( A Division of Synovus Bank ) Subject : Failure to Issue Secured Credit Card and Provide Required Disclosures To the Consumer Financial Protection Bureau, I am submitting this complaint against 1st Progress Card Services regarding their failure to provide the secured credit card and required disclosures in a timely and lawful manner. 



Background On XX/XX/year>, I applied for and paid for a 1st Progress secured credit card, depositing {$200.00} as the secured balance. 
I additionally paid an expedite fee of {$19.00} to ensure quicker processing and delivery. 
As of today, nearly 30 days later, I have not received : Any confirmation email or account access information. 
Any tracking or shipping information. 
Any balance update or disclosure of terms as required by federal law. 
The physical credit card itself. 

Despite full payment, I have been left without the product, without disclosures, and without communication. 



Violations & Legal Concerns Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., creditors are required to provide account terms and disclosures clearly and in a timely manner.

Under the Fair Credit Billing Act ( FCBA ), consumers must be provided with accurate account information and notice of charges, which has not occurred.

The CFPBs Credit Card Accountability regulations ( 12 CFR Part 1026 Regulation Z ) require creditors to deliver disclosures and ensure consumers receive the card or access to their credit line within a commercially reasonable timeframe.

1st Progress has failed to comply with these obligations, despite receiving my funds.

Requested Resolution I demand that 1st Progress Card Services : 1. Immediately issue and deliver my secured credit card.

2. Provide all legally required disclosures, account balance confirmations, and cardholder terms.

3. Refund the {$19.00} expedite fee if the card can not be shown to have been processed and shipped within the expedited timeframe promised.

4. Provide a written explanation of why there has been no communication, disclosures, or delivery. 



Complainant Contact Information : XXXX XXXX XXXX XXXX Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are fraudulent hard inquiries on my report that I do not recognize. I called TransUnion they said I have to request it by mail I mailed them several times and they never received it. I will list the inquiries and dates below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/2025 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Requested On XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Requested On XX/XX/2025, XX/XX/2025 XXXX XXXX XXXX XXXXXXXX XXXX Location XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Requested On XXXX  XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX Requested On XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested On XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On XX/XX/2025 XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested On XX/XX/2025 XXXXXXXX XXXX XXXX  XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/2025

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian allow XXXX to assign a debt to me that was the personal debt of my deceased wife. Per the FCRA the credit report must include the 'name... address, ' etc of the person responsible for the debt. Since XXXX new the debt was not mine they input in " person responsible '' as " Individual '' instead of the actual name.

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 2025-09-01 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: DE

Complaint narrative:
My Equifax credit report contains inaccurate and duplicate accounts, including XXXX Funding, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. Crew, XXXX XXXX XXXX XXXX & Co XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. These accounts report conflicting balances, duplicate tradelines, and inconsistent statuses. This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ). I am requesting reinvestigation and correction or removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My husband and I both have a XXXX XXXX XXXX. There for when I we t to my app I did NOT realize that it was his account I was logged into when I added it to my BMO account for wire transfer. Im currently living in a motel with 9 daughters myself and my husband we have been waiting for the state taxes for 5 months this so that we can move out. When I deposited the check amount for XXXX I got excited to see that we finally had the money to move out but I couldnt figure a way to transfer the money out to be able to get access for it. Thats why I made a mistake and added the wrong account to my BMO account. So Ive called repeatedly to expedite this process of fraud Ive provided all proof that was asked.

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