vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage was transferred from XXXX to Mr. Cooper as of XX/XX/XXXX and my payments to the new company are being paid but not applied to my mortgage. The old company XXXX was to send the payments if they went to them but I addressed and sent to the new company yet XXXX went to XXXX and they refunded it to me and I sent it right back to Mr. Cooper. My payments are all paid actually I should now be a payment ahead in my panic to make sure my mortgage is paid. I sent my bank statement reflecting payments made as follows : XXXX was paid to XXXX the payements to Mr. Cooper and I validated the address and account number with them when my payments were just missing and he said yes this is our error yet they still were not applied I sent to the research company as they advised and I am getting default notices and 45 day foreclosure notices yet they have payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so I should be a payment ahead yet I am getting foreclosure notices. I have called 3 times and sent emails as requested to the research email. 

My account number is XXXX. 

I want all the late fees removed and letter stating I was never in default and mostly to find my thousands of dollars that just seem to be lost by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-26 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: MD

Complaint narrative:
This complaint against Equifax is in reference to them failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours, verifying the account as accurate without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts for this complain are below : XXXX XXXX XXXX XXXX XXXX Confirmation # XXXX Individual Account Number : XXXX Amount : {$1300.00} Collection Reported : XX/XX/year> The reason you disputed this item : This is not my collection. 
The results are : VERIFIED AS REPORTED XXXX XXXX XXXX XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX as of XX/XX/year> : {$440.00} Collection Reported : XX/XX/year> SXXXX XXXX XXXX, XXXX Individual Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance as of XX/XX/year> : {$2400.00} Collection Reported : XX/XX/year> * I did not receive any correspondence for this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I 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.

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 2025-01-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXXXX Account Name : XXXX  # XXXX Account Name : 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 explanation
Consumer complaint received 2025-01-26 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : 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 explanation
Consumer complaint received 2025-01-26 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: ID

Complaint narrative:
I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, I was responded to within 24 hours stating the account was accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S.C. 1681i, WHICH MANDATES A REASONABLE INVESTIGATION OF DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account  opened at XXXX XXXX BANK XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for failing to remove inaccurate items from my credit report, despite my repeated disputes. The items in question are not mine, and although Experian has marked them as verified, they have failed to provide any supporting documentation or proof as required under the Fair Credit Reporting Act ( FCRA ). This violates 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), which mandate thorough investigations and reasonable procedures to ensure maximum accuracy. XXXX failure to comply with these legal obligations has caused significant emotional distress and financial harm to me and my family, including denied credit opportunities and increased stress from unresolved disputes. I request that the CFPB take action to compel Experian to immediately remove the inaccurate items, provide verifiable proof of any future verifications, and investigate their noncompliance. Attached to this complaint is any supporting documents and any responses received from Experian. I urge the CFPB to act promptly to ensure XXXX adherence to the law and prevent further harm.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I received an email that PayPal was going to take XXXX out of my bank acct. They left a number for me to call, but I chose to call PayPal directly. 

The person that answered ended up being the hacker. He told me my Venmo and XXXX were probably compromised to. This hacker 's number is XXXX. 

He asked for my Venmo info, to fix the problem. I fell for it. 

I followed the steps he asked me to take and he took {$2700.00} from my bank acct. through Venmo and also got {$500.00} from my XXXX. 

My bank is still investigating, I had XXXX give me fraud alerts and made a police report with XXXX XXXX, XXXX XXXX. XXXX. 

Venmo denied my claim and I haven't received the {$500.00} that was taken from XXXX. I am working with a banker. 

My phone was compromised so I had to buy a new one. 

These people are awful! 


Thank you, Sincerely Sent from my XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
Transunion has responded to my request in 2024 and said the inquiry were deleted off my credit report as I check today months later the same inquiries they stated has been deleted is still on 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 explanation
Consumer complaint received 2025-01-26 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for all disputed accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NCB Management Services Inc.
State: IN

Complaint narrative:
THIS ACCOUNT IS VERY OLD, I SAW THIS ON MY CREDIT REPORT DID NOT KNOW WHAT THIS WAS ABOUT UNTIL I CALL AND TALKED TO A YOUNG LADY ABOUT THE A LOAN, I KNOW NOTHING ABOUT THIS, SHE ASKED ME DID I PUT A LOAN OUT ON A MOTORCYCLE I TOLD HER NO, AND HOW DID SHE GET MY INFORMATION, THEY WANTED ME TO PAY XXXX, I AM NOT PAYING THAT, I DO NOT OWN BIKE, I HANG UP ON HER, AND NEVER HERE FROM THEM FOR YEARS, UNTIL LAST YEAR, THEY WANT ME TO MAKE PAYMENTS, NOW I DID GO TO CALIFORNIA TO VISTED MY SISTER BECAUSE SHE WAS VERY ILL, I DID LOSE MY WALLET AT THE STORE IN THE CART WENT BACK TO FIND, IT WAS NOT THERE, I HAD ALL OF MY ID, CREDIT CARDS AND DRIVER LICENSE, WHICH I HAD TO GET ALL OVER AND CANCEL OUT, NOT KNOWING THAT SOMEONE USE MY STUFF TO MAKE LOADS AND OTHER, SO THIS COMPANY IS TRYING TO MAKE ME PAY FOR A LOAN THAT I DIDNT SIGN FOR, HOW COULD ANYONE DO THIS, I DID NOT KNOW WHAT NCB WAS FOR A LONG TIME UNTIL I WAS TRYING TO GET A HOME,, NCB MANAGEMENT RISE CREDIT OF CALIFORNIA XXXX FILE, XXXX,, NO ; XXXX, I DO NOT HAVE ANY PAPER WORK ON THIS LOAN AT ALL, I HAVE NOTHING TO SENDED TO YOU ALL, SORRY ABOUT NOT HAVING ANY PAPER WORK. I AM LITTLE UP SET ABOUT THIS,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX BANK XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I have credit inquiries from companies I did not authorize to pull my credit and it has lowered my credit score : 1.XXXX XXXX XXXX  Date XX/XX/year> 2.XXXXXXXX XXXX XXXX  Date XX/XX/year> 3.XXXX XXXX XXXX XX/XX/year> 4. XXXX XXXXXXXX XXXX  Date XX/XX/year> 5. XXXX XXXX XX/XX/year> 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX Date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
This company is reporting a negative account on my credit that is causing damages to my life. Exeter finance has this status of this account listed as charged off on XX/XX/year> but has failed to provide me a 1099c. while after writing this off of their taxes this company has failed the proper process to notify me with the 1099c and still reporting on my credit is committing FRAUD. Under FCRA, I can now seek statutory damages since Exeter finance has furnished inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming i owe the debt. This account needs to be deleted immediately from all reporting credit bureaus which are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early warning services, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have failed to safeguard Zelle from fraud and other defects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
I disputed some incorrect information on my credit and nothing has been done then I just found out all three are being sued for this action

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