vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Issue : Incorrect closure of mortgage assumption request by Mr. Cooper and repeated mishandling of my documents. 
Complaint : I am attempting to complete a mortgage assumption with Mr. Cooper so that my ex-husbands name can be removed from the loan. I began the assumption process in XXXX and promptly submitted all required documents, including my drivers license and all paperwork they requested. 
After submitting everything, I received a letter from Mr. Cooper stating that my drivers license was not included. I called immediately and spoke with a representative, who confirmed that ALL my documents were received and complete, and that the letter was an error. I was told to ignore it and that my assumption would continue processing. 
However, the next communication I received from Mr. Cooper was a notice stating that my assumption case was closed due to insufficient paperwork. This closure occurred even though their own representative confirmed my documentation was complete. 
This error has now delayed my ability to fulfill requirements related to my divorce and remove my ex-husband from the mortgage. I have made multiple attempts to resolve this directly with Mr. Cooper, but the company continues to mishandle my paperwork and provide conflicting information. 
What I am requesting : That Mr. Cooper immediately reopen my assumption file That they correct the internal error regarding missing documents That they assign a supervisor or escalation specialist to properly complete the assumption That they provide a written explanation of how my file was mishandled and what steps they will take to prevent further delays This situation has caused unnecessary delays and financial stress. I am asking the CFPB for assistance to ensure my assumption is processed correctly and without further mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
Hi CFPB Team, I am filing a formal complaint regarding the closure of my Current account ( issued by XXXX XXXX XXXX ) and the withholding of over {$500.00} in remaining funds. Despite multiple documented attempts to resolve this matter with both Currents Customer Support team and their Account Services department, I have received no meaningful response or timeline for the release of my money. 

Summary of Issue : I was the victim of a scam involving a fraudulent mobile check. I did not knowingly deposit a bad check, and I have provided full documentation of the fraudincluding screenshots, messages, and the check itselfto Currents Account Services team. Even after receiving this documentation, Current closed my account without providing : Written confirmation of my exact remaining balance Any explanation of the review or refund process Any timeline for when the funds will be released Any method to receive the held balance My last emails to both departments were sent on XX/XX/year>, and I have received no response at all. The company has had all required documentation for over a week now. 

XXXX XXXX : Over {$500.00} of my money is currently being held without explanation. 

Attempts to Resolve : I emailed both Customer Support and Account Services with : Full evidence of the scam Request for confirmation of my balance Request for refund timeline Direct deposit information for releasing the remaining funds Follow-up escalation requests Both departments have failed to explain the status of my funds, provide any decision, or communicate in good faith. This lack of transparency and refusal to release funds is causing significant financial harm. 

Requested Resolution : Release of the full remaining balance being held Written explanation of the exact amount retained and why Written timeline for the completion of the review Confirmation that fraud documentation is being reviewed Direct deposit of the remaining funds to the updated account information below : New refund deposit information ( replacing the previous details sent to Current ) : Routing : XXXX Account : XXXX If direct deposit is not possible, I request confirmation of the mailing address Current has on file and immediate issuance of the refund check. 

Attached : Screenshots of scammer messages Copy of fraudulent check ( front/back ) Screenshots/emails showing my communication attempts Both escalation emails sent to Current on XX/XX/year> I appreciate your assistance in compelling Current/XXXX XXXX XXXX to respond and release the funds they are improperly holding. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Sunbit, Inc.
State: PA

Complaint narrative:
An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer! How can you collect on a canceled debt?

The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a Form 3949-A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am submitting a complaint about Lendmark Financial Services regarding an auto loan that financed a fraudulent vehicle sale. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Lendmark financed the purchase. Immediately after leaving the dealership, the check engine light came on. A mechanic later discovered multiple serious issues, including emissions failures and other safety defects that were not disclosed at the time of sale. 

The dealership provided an expired emissions test dated XX/XX/XXXX, even though the sale occurred in XX/XX/XXXX. I later discovered a plastic bag stuffed in the fuel filler neck, missing/bad fuel cap, a non-functioning taillight, repeated stalling and electrical issues, and unsafe battery/wiring conditions. I have OReilly diagnostic reports, photos, purchase receipts ( battery, gas cap ), and witness statements showing these issues. 

I am disputing the loan because the vehicle was unsafe and misrepresented at the time of sale, but when I log into my Lendmark online portal, there are no loan documents availableonly my payment amount and due date. I can not see or download my signed contract, Truth-in-Lending forms, or any other required disclosures. 

I have emailed Lendmark requesting a complete copy of all loan documents, but as of now they have not provided them. 

I am asking the CFPB to : Review whether Lendmark properly documented this loan and had adequate procedures to prevent financing an illegal or deceptive vehicle sale. 
Require Lendmark to provide me with all loan documents. 
Investigate whether the loan should be rescinded, canceled, or adjusted due to dealer fraud and the unsafe condition of the vehicle. 
Ensure that negative credit reporting is paused or corrected while this dispute is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I tried reaching out to American Express about XXXX business gift cards that I received not working. Both of the cards each have {$50.00} on them for a total of {$100.00} that I am unable to access. I have used them at multiple stores in person and online, as well as have been unable to add it to my digital wallet. I have tried reaching out but have been unsuccessful in getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-02 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: MS

Complaint narrative:
This account violates FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) due to contradictory, inaccurate, and unverifiable reporting details including : Highest balance reported as {$0.00} despite {$14000.00} balance. 
Payment history with incorrect symbols, unknown months, and impossible XX/XX/year> delinquency date. 
Charge-off status reported while maintaining active balance history. 
Missing monthly payment information. 
Derogatory reporting past account closure dates.

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 2025-12-02 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: MS

Complaint narrative:
This account violates FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) due to contradictory, inaccurate, and unverifiable reporting details including : Highest balance reported as {$0.00} despite {$14000.00} balance. 
Payment history with incorrect symbols, unknown months, and impossible XX/XX/29 delinquency date. 
Charge-off status reported while maintaining active balance history. 
Missing monthly payment information. 
Derogatory reporting past account closure dates.

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 2025-12-02 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: IL

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 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 2025-12-02 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: IL

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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
LexisNexis is reporting outdated, inaccurate, and unverifiable personal information on my consumer file, including old XXXX addresses, incorrect name variations, incorrect DOB formats, old phone numbers, and public record items such as liens/judgments that LexisNexis has not been able to validate or provide source documentation for. I requested full verification of every personal identifier and public record under FCRA 609 and 611. LexisNexis responded with a generic form letter stating that the information was verified, but they failed to provide the required itemization of sources, no documentation showing where this data originated, and no proof that any furnisher actually validated these records. 

This data is causing inaccurate matches in other credit reports, blocking credit approvals, and causing automated fraud flags with lenders because the information does not match my current and correct records. The outdated XXXX address ( XXXX XXXX XXXX XXXX ) has no active furnisher and is not tied to any open account. My correct address is XXXX, AZ, and all current furnishersincluding BSIsend mail directly to my XXXX address. LexisNexis is reporting information that is not accurate, not current, and not verifiable. 

LexisNexis is violating FCRA 611 ( a ) ( 1 ) ( A ) for failing to conduct a reasonable reinvestigation, and FCRA 609 ( a ) ( 1 ) for failing to supply source and verification data. I am requesting removal of all unverifiable or outdated personal information, including old addresses, name variations, DOB variations, phone numbers, and any public records that can not be validated with maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting a complaint regarding Capital One Bank ( USA ), N.A. because they have failed to provide my original XXXX credit card account agreement, XXXX, balance transfer terms, and required disclosures. 

Account Number : Ending XXXX On XX/XX/XXXX, I mailed a formal written request asking Capital One to provide the original terms and disclosures from when I opened the account in XXXX. Capital One responded to my letter but did not include any of the requested documents and provided no valid explanation. 

Under the Truth in Lending Act ( TILA ), I am entitled to receive my original account disclosures. Without these documents, the accuracy and enforceability of this account can not be verified. 

I am requesting the CFPBs assistance in requiring Capital One to do one of the following : 1. Provide the complete XXXX account agreement and disclosures ; or XXXX. If Capital One can not provide them, immediately close this account and remove it from all three credit bureaus ( XXXX XXXX XXXX XXXX XXXX because the information can not be verified for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have a XXXX credit score and haven't had any debt in over 15 years. I recieve constant calls from portfolio recovery phone number ( XXXX ) XXXX XXXX. They have called my sister in California and my wife and me. I returned the the call before last after they left a threatening message about a potential lawsuit and said they could use their call as proof of contact. I returned their call and told them they are scammers and to stop calling me. The women that answered said " I dont know that i did call you '' I told her I have their phone number on my phone. I received a call again this evening at XXXX with no message. I have now started documenting their calls. Their call comes from California and I have lived in Texas the last 3 years and 4 months. Please see what can be done. Thanks so much, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief