vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My mortgage balance jumped in XXXX ( XX/XX/XXXX XXXX date ) to {$75000.00}. 

On my previous XXXX from XX/XX/XXXX, my balance was {$72000.00}. On XX/XX/XXXX, we paid {$1000.00}. The amount due was {$530.00}. 

In XXXX, my principle balance was {$71000.00}. the amount due was {$530.00}. We paid {$1500.00} on XXXX. 

Our XXXX, XXXX XXXX balance read {$75000.00}. 

On XXXX we MAILED a check payment for {$1300.00}. the amount due was {$530.00}. 

There were a series of Transactions on the XXXX Statement from XX/XX/XXXX through XX/XX/XXXX that do not make any sense and have not been explained, even though I wrote to my mortgage company in XXXX. 
We did conduct a recast in XXXX, XXXX and we paid a {$500.00} fee to do that. We do NOT have a HELOC. We just simply pay over the amount due each month. 
Our XX/XX/XXXX XXXX balance was {$73.00}, XXXX. 

As of today, we have made our monthly payments on time and for more than was due. We've paid a total of {$10000.00} in this time frame. 

Our balance should be in the neighborhood of {$67000.00}. It's off by close to {$6000.00}, with XXXX reporting back with regard to WHY. 

As of today, my mortgage balance shows {$73000.00}. So, since XXXX, XXXX my mortgage balance has RISEN {$140.00}, as we've paid a little over {$10000.00}. I believe this to be some sort of fraud or breach of trust. When you have a balance and you make payments, the balance goes down. A recast is not a penalty of balance -- it's smart. We are trying to pay this balance off by he end of the year, which is highly difficult when our balance rises in the face of payments. We can not get ANY EXPLANATION from our mortgage company, Mr. Cooper. This is why we are filing a complaint. Our Loan # is XXXX. I have not downloaded any account statments but can upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited check on XX/XX/XXXX for {$40000.00} into a new account I opened for that purpose with my local Truist branch. The check cleared XX/XX/XXXX, we had not received debit cards yet, within 24 hours the funds were locked and the account was closed for reasons nobody can explain without a written request and a 3 week wait. Ive been requesting reissuance of the funds I deposited since the day the account was closed. Ive called every day, spoken to supervisors, complained to every employee at my local branch, and absolutely nothing has happened. They cant even issue funds at the bank, theyve allegedly mailed the check, but Tuesday of last week when I called I was told by a supervisor that despite days worth of notes requesting immediate issuance at the local branch the notes were ignored and the check was set to be mailed on the XXXX and there was nothing that could be done to stop it. I just want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: VA

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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I made 128 Qualifying Payments before receiving XXXX in XXXX XXXX. The 8 payments over the required 120 payments occurred from XX/XX/XXXX to XX/XX/XXXX, totaling {$3600.00}. In XX/XX/XXXX, Mohela told me by phone that these 8 payments would be refunded. However, Mohela now tells me my refund is {$2100.00}. I have repeatedly contacted Mohela and asked for information regarding this discrepancy, an explanation regarding what is being done to investigate the discrepancy, and information regarding why a refund I was told would take 90 days has still not been received nearly 6 months later. Mohela once transferred me to the Department of Education / Federal Student Aid and they sent me back to Mohela, claiming this was Mohela 's error. I am requesting resolution of this issue, a clear answer to each of my concerns, and to be assigned to one point person I can deal with regarding this matter as I have been sent to a revolving door of Mohela staff. I am usually put on hold for an " Advanced Agent '' for hours at a time with no one ever answering. I have been doing this for nearly 6 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Collection I Charge Off ( XXXX ) XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$630.00} My Experian credit report contains serious errors that should have never been reported. This repeated negligence raises concerns about the reliability of your verification process. These inaccuracies are not just numbers on a reportthey are directly harming my financial well-being. I refuse to let this negligence go unchallenged. 

Under the FCRA, every piece of information on my report must be 100 % accurate and backed by legitimate documentation. If these errors can not be verified with concrete, original records, they must be deleted immediately. I demand a thorough reinvestigation and expect an immediate resolution. Any further delay or refusal to comply will be considered a willful violation of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
The accounts are not mine. I do not recognize it and never opened it. Please investigate and remove if inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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 formally disputing the following negative items on my credit report : 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  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I have paid extra towards my lease for several months to cover late fees and any other taxes that come up. XXXX XXXXl has not been able to verify where the extra funds have gone, they state they are supposed to be applied to lower your future payments instead of applying it to the fees they are charging it. Neither is happening. I had a recorded conversation with XXXX XXXX  to remedy the account for tax balance, I was instructed to pay an additional {$260.00} to bring the account to fully paid. This month I logged in to find the account {$600.00} past due with no explanation and XXXX XXXXXXXX has yet to show me where my extra money has gone. They are not able to answer my questions over the phone and unwilling to let me speak to someone in accounting to have this rectified. This will begin hurting my credit if not remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX for what is purported to be a XXXX XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$1000.00} {$180.00} XXXX XXXX - - XXXX XXXXXXXX {$870.00} XXXX XXXX  XXXX {$4000.00} - XXXX XXXX XXXX {$1800.00} {$1000.00} XXXX XXXX XXXX {$2400.00} {$190.00} XXXX XXXX - XXXX XXXX XXXXXXXX - - XXXX XXXX - - XXXX XXXXXXXX {$4400.00} {$4400.00} XXXX XXXX XXXXXXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XXXX XXXXXXXX {$1300.00} {$1300.00} XXXX  XXXX {$2200.00} {$2200.00} XXXX XXXX XXXXXXXX {$2200.00} - XXXX XXXX XXXXXXXX - - XXXX  XXXX XXXX {$220.00} {$220.00} XXXX XXXX - - XXXX  XXXX XXXX - - XXXX XXXX XXXX XXXX {$2200.00} {$2200.00} NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XX/XX/year> XXXX, XXXX XXXX Bank Credit Cards XX/XX/year> XXXX, XXXX XXXX Bank Credit Cards XX/XX/year> TransUnion, XXXX  XXXX Personal Loan Companies XX/XX/year> XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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