vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Barrett Financial Group, L.L.C.
State: AZ

Complaint narrative:
I submitted a full mortgage application with XXXX XXXX, a loan officer aXXXX Barrett Financial, on XX/XX/year>. As part of the application, XXXX ran my credit, and I paid {$62.00} for the credit report. I later learned that by law, I should have received a Loan Estimate within XXXX business days of submitting a completed application. I never received XXXX, not by the deadline, and to this day, not at all. 

XXXX also never provided me with a pre-approval letter, despite processing my application and moving forward as if I were approved. Even though I was the loan applicant, she refused to communicate with me directly and instead relayed vague updates through my realtor, XXXX XXXX. 

I began reaching out to XXXX on XX/XX/year>, and continued calling, texting, and leaving voicemails for XXXX weeks without a single response. I finally escalated the issue by contacting Barrett Financials ' corporate office around XX/XX/year>, which prompted the start of an email chain. However, XXXX still refused to respond or provide the legally required Loan Estimate. 

When I hired XXXX as our realtor, I was unaware that she and XXXX were close personal friends. XXXX casually referred me to XXXX during a phone call, saying she had " a friend who does mortgages. '' Because I trusted XXXX, I moved forward with XXXX, a decision I now deeply regret. 

I firmly believe that XXXX and XXXX were intentionally working together to mislead me. My partner and I were very clear from the beginning that we had a specific monthly mortgage payment range, and that we would walk away from any home if the payments exceeded it. I now believe they told us exactly what we wanted to hear with numbers that were too good to be true to push us into signing a home contract. Once I started asking for documentation to verify those numbers, XXXX completely disappeared for over XXXX weeks. 

This entire experience was not only unprofessional, but a clear violation of TRID ( TILA-RESPA Integrated Disclosure ) regulations. As a first-time homebuyer, this situation was incredibly distressing and left me feeling manipulated, taken advantage of, and completely unsupported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MO

Complaint narrative:
I am filing this complaint against Equifax for its handling of a charged-off XXXX XXXX XXXX XXXX XXXX XXXX ) account. 

While the account was closed and charged off in XX/XX/XXXX, Equifax reported a Date of Last Activity and Date Reported of XX/XX/XXXX. This date is nearly XXXX years after the account was closed and charged off, which raises concerns of re-aging the debt. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, a debt may only be reported for seven years from the date of first delinquency. Updating the tradeline with recent dates when no new activity has occurred is misleading and may artificially extend the time this negative information remains on my credit report.

Additionally, Equifax fails to clearly indicate that the account has been transferred or sold, unlike Experian, and marks fields as Indeterminate. I respectfully request that Equifax provide documentation justifying the updated dates or remove this tradeline entirely if they can not provide such documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I received an email that someone tried to access my cashapp account. Someone ended up hacking my cashapp account and fraudulently transferred XXXX dollars that was in my balance to their personal cashapp account and then they proceeded to transfer XXXX dollars from my personal debit card that was linked to my compromised cashapp account. I notified cashapp immediately and they stated they would open an investigation and freeze my account. However during that time the hacker still had access to my account and continued to make unauthorized fraudulent transactions. I called cashapp immediately again and they were successfully able to let me back into my account and I was able to manually sign out the hacker and put a XXXX step verification security feature. I disputed all the fraudulent activity and they emailed me back days later and stated they were going to refund all XXXX dollars to me that was stolen from this hacker. However, cashapp internal fraud department purposely closed my account and I am not able to get access to my cashapp account to withdraw my funds. Ive called back back to back numerous times at least XXXX times to get assistance and each time they say balance transfer can not be processed nor access to my account due to fraud. They have refused to help me or escalate this issue to anyone in their company. Theyve also refused to allocate my funds into my new cashapp account or send me a check in the mail. I believe this very unfair and extremely unethical as this was fraud and I can not get my refund that was issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
The Accounts And Inquiries Listed In My Identity Theft Report Were Fraudulently Open By An Unknown Individual. I Did Not Give Any Consent To These Accounts And Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Advanced Resolution Services , Inc XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Final Notice FCRA Violations for Failure to Investigate and Provide Full Consumer File | Intent to Pursue Legal Action To Whom It May Concern, This letter serves as final notice that Advanced Resolution Services , Inc is in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



On XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> I lawfully submitted a written dispute concerning inaccurate or unverifiable information in my consumer file, along with a request for a full consumer file disclosure. Rather than fulfill your legal obligations, you have responded with vague and non-substantive stall letters, falsely claiming the need for additional identity verification or irrelevant documents despite having already provided sufficient documentation. 





Your Violations Include : Failure to Investigate Disputed Information Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and provide the consumer with the results within 30 days. You have failed to comply. 
Failure to Provide Complete Consumer File Under 15 U.S.C. 1681g ( a ), I am entitled to a complete and timely consumer file disclosure. Your refusal to provide this is a clear and actionable violation.

Use of Stall Tactics to Delay or Deny Rights Sending template letters requesting redundant identity verification is considered bad faith behavior and a willful attempt to obstruct the dispute and disclosure process. This is not only unethical but legally actionable.

LEGAL NOTICE If Advanced Resolution Services , Inc does not comply with the following within XXXX business days of receiving this letter : Conduct a proper reinvestigation and provide the results in writing, Provide me with my complete consumer file, and Remove or correct all unverifiable or inaccurate information from my file, I will immediately file a civil suit in Small Claims Court for the following : {$1000.00} per violation in statutory damages under FCRA 1681n, Actual damages as allowed under FCRA 1681o, Punitive damages for willful noncompliance, Court costs and legal fees. 




Let this letter serve as your final opportunity to resolve this matter outside of litigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 2025-07-10 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: MO

Complaint narrative:
I am filing this complaint due to inaccurate and misleading reporting by TransUnion regarding a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX ). 

The account shows a {$0.00} balance, which indicates it has been transferred or sold and is no longer owned by XXXX. However, the tradeline fails to note that the debt has been transferred or sold. This omission makes the reporting incomplete and misleading to lenders and violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which requires that information be complete and not misleading.

Additionally, the account status is labeled as Indeterminate, which further adds ambiguity. This contradicts FCRA 's requirement for accurate and clearly stated consumer information. 

I have attempted during multiple disputes to resolve this issue, but it remains uncorrected. I am requesting the CFPB 's assistance in having TransUnion remove this tradeline if they can not report it in full compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX {$2900.00} # XXXX XXXX XXXX {$0.00} # XXXX XXXX XXXX {$0.00} # XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$0.00} # XXXX XXXX XXXX {$0.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX XXXXXXXX XXXX {$0.00} # XXXX XXXX XXXX {$110.00} # XXXX XXXX XXXX XXXX {$930.00} # 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 explanation
Consumer complaint received 2025-07-10 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 formally request a copy of the 1099-C form related to the cancellation of debt that has been reported on my credit report as a negative account. To date, I have not received this form, which is required for my records and for accurate tax reporting. Since this account has been marked as canceled or forgiven, I am entitled to receive the 1099-C in accordance with IRS regulations . Please provide the form at your earliest convenience or inform me of the steps needed to obtain it.

Thank 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 2025-07-10 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: VA

Complaint narrative:
A collection account was reported by XXXX XXXX XXXX ( XXXX ) for {$1400.00} allegedly owed to XXXX XXXX XXXX ( XXXX ). This debt is inaccurate. The account was opened after I moved out of the serviced address. XXXX backdated the charges and associated the account with a meter I never used. I closed my original XXXX account in good standing when I relocated. 

The same debt was previously reported by XXXX XXXX XXXX and deleted from my credit file after a prior dispute. On XX/XX/year>, I sent a certified dispute and debt validation request to XXXX. On XX/XX/year>, I sent a formal demand for deletion under the FCRA, followed by a cease and desist letter on XX/XX/year>. XXXX only response was a copy of an old bill from XXXX, which does not constitute proper validation under the FDCPA. 

Despite the ongoing dispute and lack of proper validation, the account was reported to Experian, Equifax, and TransUnion in late XXXX, negatively impacting my credit during a mortgage process. I have submitted prior disputes to the credit bureau ( XXXX ), yet the item remains. I am requesting the immediate deletion of this unverifiable and inaccurate collection.

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 2025-07-10 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: LA

Complaint narrative:
b'On XXXX XXXX XXXX, I mailed a formal dispute letter to Experian regarding a $XXXX XXXX XXXX collection account that had already been sold to multiple third-party debt collectors including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I included supporting evidence showing that XXXX  no longer owns the debt and has failed to validate or verify the accuracy of the reporting.\n\nDespite the dispute being mailed via certified mail (XXXX Tracking #XXXX XXXX XXXX XXXX XXXX XXXX), Experian allowed XXXX  XXXX to re-report the same invalid debt to my credit report on the same day, XXXX XXXX XXXX  suggesting my dispute was either ignored or not reviewed at all.\n\nThis violates my rights under the Fair Credit Reporting Act (FCRA), specifically:\n\t\t611  Experian failed to conduct a reasonable reinvestigation.\n\t\t609  I was not provided with the method of verification.\n\t\t602  Experian failed in its duty to maintain accurate, verifiable consumer data.\n\nI am requesting the immediate deletion of the XXXX XXXX account from my Experian credit report due to the account being unverifiable, improperly re-reported, and in violation of FCRA requirements'

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I was given conflicting and inaccurate information across multiple calls with MOHELA representatives on a call today XX/XX/year>. I was told : That the XXXX Plan was paused or suspended, which is false according to the U.S. Department of Education That I was in XXXX forbearance, then later told I was not enrolled in XXXX at all That I could not apply for XXXX, and my only option was to discuss repayment or default When I asked for a supervisor, I was repeatedly placed on hold, bounced between reps, and ultimately denied an escalation as of now. 

As a result, I was unable to enroll through MOHELA, but have since applied directly at XXXX. MOHELA has not provided any written confirmation of my account status or explained the conflicting guidance I received.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX representing MidLand Credit Management Midland refuses to speak to us. 

Phone call prior to speaking to Miracle we were threatened with wage garnishment of up to XXXX $ month. Threatening garnishment prior to judgment is illegal. 

XX/XX/XXXX Recorded phone call. Miracle stated we would not need to be present at court due to continuance being filed. Agreed to XXXX $ monthly payment. 

XX/XX/XXXX Recorded phone call. Spoke with supervisor to try and see if payment could possibly be lowered. Told them to mail the paperwork as we had no other choice. 

XX/XX/XXXX Recorded phone call. 
Called to check status of paperwork as it had not arrived. Was told it sometimes take XXXX days for paperwork to process and that it should be in the mail in XXXX days. 

XX/XX/XXXX Called back after voicemail was recieved and was told no payment plan was in place. Was told we missed court and now owed post judgment. What happened to the continuance? We have been asking for a continuance since the first phone conversation back on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/year> account closed for negative balance. Was not informed of this occurring XX/XX/year> PNC re opened acct to accept a deposit after the count was already charged off and balance was reading {$0.00} not negative and sent to PNC collections XX/XX/year> refund of {$260.00} was deposited to account then without my consent bc the balance was {$0.00} not negative anymore bc of charge off PNC withdrew funds which if account was negative they wouldnt of needed to withdraw they would of automatically been credited to the negative balance. So therefore made a transaction without my consent of knowledge deposit and withdraw XX/XX/year> i went to login and it allowed me to which was odd. Allowed me to change phone number allowed me to view balance reading {$0.00} dollars not negative. I called them and filed a complaint and voiced that they cant open account after closed without my consent nor make a withdraw when the balance was showing {$0.00} not negative or anything such as. Told me Id hear from someone in XXXX hrs. 

XX/XX/year> called PNC again now the account was closed no access to any information no notice they closed It again and this is right after I told them was filing a complaint with the CFPB for fraudulent activity against them

Company response to consumer: Closed with explanation