vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am submitting this complaint because Freedom Mortgage has denied my formal request to remove the MIP from my FHA loan, despite the fact that I have significant equity in my home and have consistently made on-time payments. My loan originated on XX/XX/XXXX with an original balance of {$220000.00}. As of XX/XX/XXXX, my current loan balance is {$190000.00}, and my home is now worth approximately $ XXXX, putting my loan-to-value ratio below 50 %. I fully understand that FHA loans originating after XX/XX/XXXX are not eligible for AUTOMATIC MIP CANCELLATION. However, my request was not for automatic removal- it was for DISCRETIONARY REMOVAL based on the fact that I have built significant equity and my loan now represents very low risk. I requested that Freedom Mortgage evaluate my current financial standing and exercise reasonable discretion to remove the MIP. 

Instead, I received a generic denial letter citing standard FHA policy, with no acknowledgment or review of my home 's current value, equity position, or payment history. I believe this to be unfair and misaligned with responsible servicing practices. I also believe it is highly inappropriate for a servicer to continue collecting MIP indefinitely without justification when the homeowner has WELL EXCEEDED equity thresholds used industry wide to determine risk. 

I am requesting that Freedom Mortgage be require to : 1. Reassess my PMI request based on my current home value and loan balance.

2. Provide a specific explanation for why MIP is being retained despite my equity.

3. Justify why discretionary cancellation was not considered, or confirm in writing that such discretion is not available. I have included their latest response ( which was the same as their first 2 responses- one being from 2 years ago ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 XXXXInquiryXX/XX/XXXX XXXX  XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXXXXXXInquiryXX/XX/XXXX XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXXXXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXXInquiryXX/XX/XXXX XXXX XXXX - Incorrect Personal IN AND OUT - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Cash app has allowed strangers to keep my money when I accidently typed 1 wrong letter or number in the tag and I don't know who they are or how to reach that person to get it back. Second they closed my account on an accusation that I gamble when in fact I use it for buying and selling art they have caused me to lose customers and money due to deffemation if character and discrimination due to the fact that 90 % of online casinos are supported by cash app and only use cash to send and receive money how can they assume that I was gambling when they are in partnership with gambling facilities online for advertising and usage of cash app to others and I can prove it. They said that they don't support gambling therefore I can no longer have an account with them when they support all those online casinos that are legal. Who are they to tell me what I'm doing with my money when they don't protect me against theifs and discriminate and discredit me with my clients they even allowed one of my accounts to be hacked and stolen they did nothing about it I need help in suing them for these reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have been kicked out of school 3 times because they have my account on the national student loan data base saying I am in default and flagged so I can not receive federal student aid and have neglected to remove it so my school says I have an outrageous balance thats not paid. Also my income tax is being held as well because of the data base and they admit it is not in default. I have called the department of education, the national student loan registry, and federal default department only to be told that the XXXX department is the once to have it removed this has been going on since XXXX and caused severe hardship to XXXX XXXX where I am seeking federal legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IN

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within 15 days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: DC

Complaint narrative:
The XXXXXXXX XXXX XXXX account from XXXX XXXX  is closed, paid in full and has a XXXX balance. See attached the letter from XXXX. Please correct the status and account balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Money was refunded back in to my credit acct on XX/XX/year>. It's been 8 days wells fargo has had my money and not deposited it back in my acct. And they are saying it could take 15 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.

Complaint narrative:
I am filing this second CFPB complaint against InComm Financial Services due to their unethical and retaliatory behavior following my original complaint ( # XXXX ), which they falsely closed with explanation. 

Initially, InComm approved my refund and claimed they had sent a replacement card. I have screenshot evidence showing that my case was marked resolved and the replacement was supposedly shipped. However, after I escalated my concerns to the XXXX  due to excessive delays ( over 6 months ), InComm abruptly reversed their decision and denied my case entirely. This appears to be an act of retaliation. 

They now claim the issue was related to unauthorized transactions and shifted responsibility to the merchantcompletely contradicting their previous resolution. I also have a screenshot of their denial after they had previously confirmed a replacement card would be sent. 

This tactic is both unethical and deceptive. 

I am still without a refund or replacement card, despite following all instructions and being repeatedly told the issue was resolved. I am also willing to provide any documentation, including : Screenshot showing case marked as resolved Screenshot showing denial message after resolution Email records of my communication XXXX  complaint ( # XXXX ), where InComm doubled down on the denial and ignored the previous resolution InComms actions are not just poor customer service they amount to bad faith and possible retaliation for filing a CFPB complaint. This company should not be allowed to reverse decisions already communicated as final and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

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 2025-04-17 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: MD

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 non-monetary relief
Consumer complaint received 2025-04-17 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: CA

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 explanation
Consumer complaint received 2025-04-17 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I was never notified that my federal student loan had been transferred to MOHELA. I only became aware of the delinquency after checking my credit report on XX/XX/year>. Upon discovering this, I immediately created an account with MOHELA and paid the amount due. I did not receive any prior communication regarding the account setup or payment requirements. MOHELAs response to my inquiry was generic and did not address my specific concerns. I am requesting a review and correction of the reported late payment, as the delinquency resulted from a lack of notification, not negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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