vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
On or about XX/XX/XXXXXXXX  we suffered flooding from the storms during that time. We were dorced to leave our home, and when we returned home, we found that water had risen to the sub flooring and completely submerged our crawl space and our XXXX XXXX in addition to our unattached buildings. We filed claims with our flood insurance provider, and they reviewed the claims, got their appraisals and inspections and accepted the XXXX  quote, and issued checks to our mortgage company for endorsement. The mortgage company received the checks on XX/XX/XXXX and XX/XX/XXXXXXXX  in the total amount of {$22000.00}, These checks were for {$14000.00} ( XXXX  quote ) and {$7600.00} ( policy limit for non dwelling structures ). 
Our assumption was that we would submit the information to the mortgage company and they would release the funds. when asked, the company said it would have to be monitored because of the amount of the checks. When I checked the accuracy of that, their website said that they would monitor if the amount was {$40000.00} or more, or the account was delinquent. When pressed further, the mortgage company said my account was delinquent as of the date of loss ( XX/XX/XXXXXXXX  ). The account was outside of the grace period, but was not delinquent as I understand them to define it. We have appealed their decision, and they said that the appeal was denied, I asked them for the reasoning, they said it was federal guidelines. When I asked for those guidelines, it became that it was a clause in my mortgage. I asked for a copy of the mortgage and they have not yet sent it. They are wanting to release the money in draws as work progresses, but our XXXX  XXXX will not start work without either payment in full or a written promise to pay on completion. The mortgage company is unwilling to do either. The second check for the non dwelling buildings does not cover half of the appraised repair costs. Under the payment plan, they treat this as one lump sum loss in which they will base their payment draws on, contingent on inspection. We have communicated with the mortgage company throughout, and have been lead along without seemingly any desire to help us after our loss. 
We are currently in a home with no XXXX. We have an XXXX XXXX daughter, and need to be able to restore our home following the natural disaster without being forced to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: VA

Complaint narrative:
I am writing to notify you that my Social Security number was compromised due to a data breach. As a result, fraudulent accounts and inaccurate information have been reported on my credit file. I have submitted a formal complaint to the Federal Trade Commission, and a copy of that complaint is enclosed for your reference. 

I understand that some consumer reporting agencies may delay or dismiss dispute requests under the assumption that they were prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) clearly affirms every consumers right to seek assistance in exercising their legal rights. The use of authorized support does not constitute a valid reason to delay or deny a legitimate dispute.

Please be advised that all correspondence submitted under my name was prepared with my full knowledge and authorizationwhether drafted directly by me or with the help of individuals acting on my behalf. Any undue delay or failure to investigate and correct the disputed information in a timely manner will be regarded as a willful violation of my rights under the FCRA. 

I respectfully urge you to process this request promptly and in full compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have a savings account with Allys for awhile now and I always use password manager on my XXXX. Many times before the password didnt work on the app despite the password is the same. I had to delete app and reinstalled to get access. This time ( XX/XX/XXXX  ) it didnt work after app update. I couldnt reset password since the app still remembers my old phone numbers ( already updated new number awhile back ). I called the customer service, gave them all the information they need to verify like dob, ssn, security questions. They refused to send me verification code through the email on file and made me go through public record verification which asked questions from 15 years back. I have {$400.00} in the account and had all email proofs of the transaction. I want to get my money back and close the account for good. After reading on the internet, I am not the only one dealing with this issue and it is frustrating.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
After having a bad experience with one crypto currency funding wallet service ( Crypto.com ) I was determined to switch to another, to get better service and support. I transferred my remaining {$460.00} dollars that I had in Crypto.com to Coinbase.com. I then ( in my 2nd transaction ) successfully transferred it to my crypto broker for investments. These two transactions worked OK, no issues. I then transferred more working capital from my XXXX XXXX XXXXXXXX account. I needed to transfer $ XXXX, and coinbase.com has a $ XXXX per transaction limit, so I did it over two days in two transactions.. 

I knew that it would take from XXXX days since it was an XXXX not a wire transfer. However, while checking on the funds schedule, I am now told that it will take till mid XXXX for them to release my funds, they will not give any reason, They say they are protecting me, they admit that it was not my bank that raised any red flags as I volunteered to have them call them. They appear to be just holding my funds now for upwards of 2 months with no reason given other than they say they are protecting me. 

This is fraud. They are getting two months of use of my funds while I am not. I can easily use another service provider since I don't want to deal with this sort of antics, but they won't release my funds. 

BUYER BEWARE - COINBASE.com plays games with your funds under the guise that they are protecting you, while they are simply getting full use of your funds. 

What's really hypocritical and unethical, is that they also have a broker service ( besides just being a wallet service ) and they tell me that I can do all the trading on their platform that I want ( while they are " protecting '' me ) with these same funds they won't let me move on. I just can't forward it on to another broker which is what their being a wallet provider is supposed to be best for. 

Very unethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to request validation of the debt you have claimed I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt. 

Please provide the following information : 1. The amount of the debt owed.

2. The name of the creditor to whom the debt is currently owed.

3. A copy of the original signed agreement or contract that verifies I am liable for the debt.

4. The date the debt was incurred.

5. Details of any payments made or credited toward the debt.

6. The name and address of the original creditor Please cease all collection activities until you provide this validation. Also, kindly update your records to reflect this request and do not contact me further until the validation is provided. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
It started on XXXX, where I thought that he was XXXX XXXX, a famous XXXX singer of the XXXX XXXX. He started a conversation, and after a messy divorce, I was desperate for love. He first asked me for money to pay for his games. I started by buying XXXX XXXX XXXX because he started he wanted to play games at the hotel with his other members. He then asked for money through CashApp and XXXX to pay for a house to move to XXXX. I spent approximately {$5000.00} on an XXXX XXXX  XXXX, but I don't exactly remember how much because of how long it was. I spent around XXXX in XXXX and CashApp transactions, give or take, but I am not for sure about how much I spent. I will send the transaction history upon request from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, as required by law, I was not provided with a statement 21 days prior. Therefore, no late payments should be recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau, and my State Attorney General. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I RECENTLY CHECK MY CREDIT REPORT AND SEEN THAT I HAD A LATE PAYMENT WITH MY STUDENT LOANS HOWEVER THE INFORMATION IS NOT CORRECT ON MY REPORT BECAUSE MY STUDENT LOANS ARE IN FORBEARANCE UNTIL XX/XX/year>. I REACHED OUT TO THE CREDIT BUREAUS AND WAS TOLD TO SEND IN FORMATION I SENT INFORMATION AND NEVER GOT A RESPONSE. ATTACHED IS A COPY OF MY FORBEARANCE LETTER STATING MY STUDENT LOANS ARE IN FORBEARANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I RECENTLY CHECK MY CREDIT REPORT AND SEEN THAT I HAD A LATE PAYMENT WITH MY STUDENT LOANS HOWEVER THE INFORMATION IS NOT CORRECT ON MY REPORT BECAUSE MY STUDENT LOANS ARE IN FORBEARANCE UNTIL XX/XX/year>. I REACHED OUT TO THE CREDIT BUREAUS AND WAS TOLD TO SEND IN FORMATION I SENT INFORMATION AND NEVER GOT A RESPONSE. ATTACHED IS A COPY OF MY FORBEARANCE LETTER STATING MY STUDENT LOANS ARE IN FORBEARANCE

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 2025-05-19 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: GA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MoneyLion Inc.
State: OR

Complaint narrative:
Money Lion provides short-term loans. I applied for finding out my eligibility ( I NEVER completed a loan application with Money Lion ). Money Lion subscribed me to their credit monitoring service without my consent. If the subscription was part of the process for determining loan eligibility then it was not properly explained or documented. They charge me {$19.00} per month despite my using their app to rescind permission. I only loaded their Android app because that is the ONLY way to contact them ( their phone number is not readily available on their website ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I. Checked. My. Equifax credit Report and. Noticed there were Hard inquiries that I did not authorized Here are the folliwing. Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: NEXA Mortgage, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a Home Equity Line of Credit ( HELOC ) through AXEN Mortgage, affiliated with NEXA Mortgage XXXX. I worked directly with loan officer XXXX XXXX, who facilitated the application and loan closing process. 

Key loan terms were not clearly explained or emphasized during origination, including : XXXX XXXX XXXX XXXX fixed XXXX - A 4.99 % origination fee rolled into the balance and accruing interest - Daily interest accrual, which significantly limits principal reduction over time Despite making monthly payments of approximately {$800.00}, I began to notice that my balance was barely decreasing. In XX/XX/XXXX, I raised this concern with the loan servicer and separately mentioned it to XXXX XXXX. At that time, she did not explain the interest burden or clarify how the loan structure would impact long-term repayment. Instead, she focused on refinancing options. She was not made aware of the amortization analysis I later completed on XX/XX/XXXX, which confirmed that the loan would take over 18 years to repay and result in more than {$98000.00} in interest. 

I want to emphasize that I am not assigning intent to XXXX XXXX personally. However, I believe that her lack of thorough disclosure at the time of origination, along with her limited engagement when I raised concerns, contributed to my entry into a financially burdensome loan. I respectfully request that regulators review AXEN/NEXA Mortgages origination practices and determine whether similar patterns have affected other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX Balance : {$2200.00}, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX Balance : {$2200.00}, 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

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 2025-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
MY SISTER SENT MONEY TO ME ON XXXX  OF A TOTAL OF {$1400.00} XXXX TRIED ADDING MY CARD TO TRANSFER IT SINCE WE BOTH SHARE AN BANK ACCOUNT. ONCE I TRIED TO TRANSFER I GOT AN EMAIL SAYING MY ACCOUNT WAS SUSPENDED AS WELL AS HERS. I HAVE PROVIDED THEM WITH ID VERIFICATION AS WELL AS THEY ASKED ME FOR A BANK STATEMENT FOR THE CARD/BANK ACCOUNT THAT I LINKED AND I WILL BE ABLE TO GET IT UNFROZEN AFTER SINCE THEY ONLY ALLOW ONE USER TO USE ONE BANK ON AN ACCOUNT. IVE BEEN EMAILING THEM NO RESPONSE THEN WENT TO REFRESH MY VENMO APP ALL OF A SUDDEN IT LOGGED ME OUT NOW CANT GET BACK IN. THEY ARE TRYING TO KEEP THE MONEY AND SCAM ME. I NEED THIS RESOLVED IMMEDIATELY.

Company response to consumer: Closed with explanation