vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
My mortgage was transferred to Mr Cooper in XX/XX/XXXX. Since then Mr Cooper keeps reversing my payment of the mortgage. I never had a mortgage company reject my payments before and its not due to lack of funds. It is now XX/XX/XXXX and they still have not rectified the issue. 

My bank with the savings account was able to run an investigative report to identify that there is a rouge special character in my name when they try to pull the ACH. Ive provided documentation of this and asked for assistance repeatedly to fix the internal error on their part. Im told that payments are through a 3rd party and its hard for them to access. Ive been dealing with customer service for months and they are providing no insight, no timeline. Ive incurred lates fees due to their mismanagement. Ive had to move money around and pay from different accounts thats been a major inconvenience and headache. When weve identified the issue, they should be able to reach out to their internal 3rd party biller to correct an error thats documented. Please help. This has gone on for too long. I submitted a case back in XXXX and it was closed out without resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MD

Complaint narrative:
I was slated to start paying student loans in XX/XX/year> after finishing medical school and beginning residency with {$460000.00} in loans. But given the court orders, I was not able to join a repayment plan ( income driven, particularly SAVE plan ). I was told I would be placed on administrative forbearance and have 0 % interest like other borrowers in this situation. So far {$19000.00} has accrued and I have tried to call Mohela ( student loan servicer ) to fix this and have my account placed on administrative forbearance instead of processing forbearance. Mohela at first told me I would have to keep waiting and they would fix it. Then I recently was told by another representative that I would have to speak to the Department of Education about getting administrative forbearance, but they would tell me to speak to my student loan servicer ( Mohela ) and that it was pointless and that I would have to continue waiting with NO solution. I need to find a way to remedy this, interest is still accruing when I should have been placed on administrative forbearance and no one at Mohela or the DoE is willing to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
My Robinhood app was restricted. To remove the restriction, Robinhood requested documents to several bank accounts that neither have access to, belong to me, funded my account, received funds from my account, nor was not attached to the debit card. As a result, Robinhood is refusing to allow me to withdraw my funds and close/deactivate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I purchased my vehicle XX/XX/XXXX and my pay off date was XX/XX/XXXX. Every time I get close to paying it off it seems like more interest is added on. I have paid more interest on this car than the car is worth. My statement is saying my loan contract will be over XX/XX/XXXX but it's saying I have a balance of XXXX that does not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I continue to not get resolution on this wrongful situation by XXXX  XXXX, The state of Virginia nor Experian, the XXXX XXXX XXXX XXXX. I have reported this horrible mistake and incident now to several agencies and several people. I am not paying this XXXX back to these XXXX XXXX XXXX company nor the property management complex at XXXX  XXXXXXXX XXXX XXXX. I will write a letter and report every day until this is 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 2025-03-21 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: VA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Hardship Program and Lack of Assistance I am writing to formally express my frustration and disappointment with the way Bank of America has handled my recent attempts to resolve my account outside of your hardship ( charge-off ) program. 

I reached out to your customer service and dispute lines seeking to cancel the hardship program due to the severe negative impact it would have on my credit. My goal was to work out a plan to pay off the original balance in good faith, rather than allowing the account to be charged off. To my dismay, I was met with unhelpful responses and a lack of willingness to work with me. 

One of your representatives even suggested that I stop making payments to potentially cancel the hardshipadvice that was both misleading and damaging. When I called back a month later, after following the guidance I was given, I was informed that there was nothing more Bank of America could do because I was now behind on payments. 

This series of events shows not only poor communication and internal inconsistency, but also a troubling level of negligence on the part of the bank. I attempted to act responsibly and resolve my account, only to be penalized for following the direction provided by your own staff. 

I believe I was treated unfairly and that your policies around hardship and credit impact lack transparency and customer consideration. I am requesting that you review this case, consider reversing the charge-off status, and allow me the opportunity to pay off the original balance, as I had initially intended. 

I would appreciate a written response acknowledging this complaint and outlining any possible steps toward resolution. I hope that Bank of America values its customers enough to address this matter in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : CREDIT COLLECTION AGENCY Account Number/Reference Number : XXXX Date the Account Was OpenedXX/XX/XXXX I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLLECTION AGENCY, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
At XXXX am on XX/XX/year> received a call waking me up.The caller ID said Synchrony Bank ( XXXX ). Once I was fully awake I called the number back a recorded message said Account On-line Support, no bank name. I continued listening and the recorded message stated to enter my full account number or full Socal Security number. I of course hung up. I googled the number & it came up XXXX. I do have an account with Synchrony Bank for my XXXX account & XXXX 's account. The phone numbers on the back of the card has a totally different phone number. I also have an account for XXXX credit card with XXXX. I called the number for XXXX and they wanted the last XXXX digits of my social security number and after talking to the machine, transferred me to the department that could help me. That department was not open yet. I did check my accounts and I do not see any activity that was not mine. But I am sure, there are people that will give the information ( full SSN or full account number ).

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 2025-03-21 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:
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
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Ive lost XXXX Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
They close my account without notice. 
They didnt let me get my welcome bonus back for purchasing {$500.00} within XXXX XXXX. 
And my other points from buying groceries and gas. 
XX/XX/XXXX I call the customer service I know something wrong co they didnt deduct my payment yet. A different card was mixed on my account under XXXX didnt know its under capital one. And so when I pay for the $ XXXX didnt went thru, little did I know the card I was using to pay was my moms account. 
My mom went to bank thought that she was scammed around XX/XX/XXXX. But I figured it out because it was same amount that was billed to me by capital one, then I call XX/XX/XXXX for them to fix it. And they said they did. They close that XXXX XXXX account so I was able to pay it on my bank account, then XX/XX/XXXX I tried using my account to pay for gas it got declined.i went online it says restriced, wasnt able to see my points anymore for {$210.00} I got from welcome bonus points from groceries. 
I give a call XXXX of XXXX around XXXX, they said they close it and cant get my rewards anymore, I was so upset because I was talking to supervisor and didnt do anything about it.didnt make any resolution on my issue.didnt give me any option as well if I can open an account or what ever neither say apologize.nothing. Was very upset about it. No notice.no email.no mail that they gon na close it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NE

Complaint narrative:
I have been disputing the collections on my accounts through XXXX for years. But about in XXXX of this year XXXX. I personally wrote dispute letters to each Credit Bureau requesting proof from the actual companys I owed money to. All of the accounts I supposedly owed debts to were all unknown and only under the debt XXXX companies. There were also duplicate debts from the same company which ironically is XXXX XXXX XXXX XXXX too. After the 30 days I never got a response except from XXXX bureau saying I had to provide my social security number, my drivers license and my light bill. 

But On XX/XX/XXXX XXXX XXXX XXXX XXXX  REOPENED a collection account that was closed from XX/XX/XXXX. XXXX XXXX is also sending me emails about other accounts that are already closed on my credit report threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TN

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 XXXX of the Fair Credit Reporting Act.

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 2025-03-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief