vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX XXXX the homeowner is not in default but faced foreclosure without her knowledge. US Bank had prior knowledge of the " unclean '' title / incorrect deed and admitted it as such in Superior Court ( this information was stated in their filing XXXX ). They made no attempt to contact XXXX XXXX to correct this issue before selling the property. US Bank used the same deed and survey to sell the property to the " new owner ''.

US Bank had no standing to foreclose on XXXX XXXXXXXX XXXX property irrespective of what they deem as a " technical '' error. XXXX XXXX is now being harassed by the new " owner '' to gain access to the easement and her property

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
Received a call from a debt collector claiming to be for XXXX & he caught a nasty attitude with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
The information is not accurate and there was a breach of information FERPA

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 2025-06-20 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: NY

Complaint narrative:
The information is not accurate and there was a breach of information FERPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
CFPB CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SOCIAL SECURITY # 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 2025-06-20 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've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I have an FHA-insured mortgage and have experienced temporary financial hardship due to urgent home repair costs. My mortgage servicer is refusing to offer any assistance or evaluate me for forbearance, despite multiple requests. Im not yet delinquent and am trying to avoid falling behind, but Ive been told there are no options. This appears to violate HUDs guidelines for FHA loan servicing. I have attempted to contact HUD and the servicers escalation departments with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have been paying on my debt with Discover Bank card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I RECEIVED AT LETTER FROM BANK OF AMERICA STATING THEY WERE GOING TO CLOSE MY PERSONAL LINE OF CREDIT ACCOUNT DATED XX/XX/XXXX WITH A CLOSED DATE OF XX/XX/XXXX. MY ISSUE IS THAT I HAVE HAD THIS ACCOUNT FOR OVER 30 YEARS AND A LIMIT OF {$10000.00}. WHEN I CALLED THE BAN, THE FIRST TIME ON XX/XX/XXXX, I WAS TOLD THEY NO LONGER WANT TO SERVICE THIS TYPE OF ACCOUNT. THE ISSUE I HAVE IS HOW WILL THIS IMPACT MY CREDIT SCORE. AS I UNDERSTAND THIS COULD IMPACT THE LENGHT OF ACCOUNTS AND ALSO THE UTILIZATION PERCENTAGE. WHAT WAS EVEN MORE OF AN ISSUE WAS WHEN I ASKED THE BANK AGENT, THEY STATED THAT THEY WERE CLOSING THE ACCOUNT AT MY REQUEST WHICH IS TOTALLY WRONG. 
ON XX/XX/XXXX I ASKED FOR A MANAGER AND WAS TOLD THEY WERE BUSY AND WOULD CALL BACK IN A COUPLE DAYS. NOT GETTING A CALL BACK, I CALLED AGAIN ON XX/XX/XXXX AND WAS GIVEN THE SAME STORY.

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 2025-06-20 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: AZ

Complaint narrative:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had {$120.00} in my Cashapp account on XX/XX/25. On XX/XX/25 at XXXX I went to XXXX XXXX XXXX and purchased {$36.00} in gas. After the charge posted, a charge for {$22.00} also posted for overdraft repayment. I contacted support because I knew I did not overdraft. From what they told me apparently the gas station put a hold before the actually purchase was finalized. Then when I finished pumping the hold came off and only XXXX was charged. But Cashapp charged me for {$22.00} on top of the {$36.00}. So I guess the gas station put a hold for {$140.00} which doesnt even make sense. Why that amount is weird. I cant see that transaction anywhere so I dont know the actual hold amount. I requested a refund for the {$22.00} and Cashapp refused. I dont even know if there was an actual hold or for what amount since I can not see that info. This is stealing and should be a crime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-20 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-20 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: CA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV Funding LLC with two collections accounts. I am unaware of this debt and did not get the opportunity to dispute these accounts. If you believe you sent proper notification through Certified Mail with a receipt showing my signature. If not, please delete LVNV Funding LLC from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 just noticed Th e following accounts are being reported Inacurately fraudalently Must cease and delete XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, 948 v 489 past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance O {$11000.00} Balance updated XX/XX/XXXX Recent payment e following accounts are fraudalent XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Status Account charged off. {$9.00}, 993 written off. {$9.00} 087 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance O {$9000.00} Balance updated XXXX XXXX  XXXX XXXX Account number XXXX Account type Auto Loan Responsibility O Individual Date opened XX/XX/XXXX Status Account charged off. {$58000.00} XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$47.00}, XXXX writte XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, 948 v 489 past due as of XX/XX/XXXX XXXX updated XX/XX/XXXX XXXX XXXX {$11000.00} XXXX updated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 just noticed Th e following accounts are being reported Inacurately fraudalently Must cease and delete XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, 948 v 489 past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance O {$11000.00} Balance updated XX/XX/XXXX Recent payment e following accounts are fraudalent XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Status Account charged off. {$9.00}, 993 written off. {$9.00} 087 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance O {$9000.00} Balance updated XXXX XXXX  XXXX XXXX Account number XXXX Account type Auto Loan Responsibility O Individual Date opened XX/XX/XXXX Status Account charged off. {$58000.00} XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$47.00}, XXXX writte XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, 948 v 489 past due as of XX/XX/XXXX XXXX updated XX/XX/XXXX XXXX XXXX {$11000.00} XXXX updated XX/XX/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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ 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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 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: MI

Complaint narrative:
On XX/XX/year>, I sent in a letter to Equifax to formally dispute the bankruptcy reporting on my credit report. The credit bureau claims that the information has been verified by a third party vendor, XXXX XXXX XXXX. However, did not provide documentation or records used during the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLCcontinues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent via email to XXXX, XXXX and XXXX. 

I requested a payoff for my loan.

The above email addresses have been provided to me by Shellpoint customer service through their phone line : XXXX. 

I did not receive any response. 

Today is XX/XX/XXXX. They still do not have the payoff statement. I called customer service again.

Please note, the property connected to the mortgage has already been sold. The title company is holding my funds until they receive the payoff statement. So, at this point, I am paying interest on a loan that is supposed to have been paid off 4-5 days ago and there is no end in sight on when Shellpoint will provide the payoff.

Customer service says to submit a new request ( and start a new clock on the request ).

For a different property, many months ago, they previously stated that if I follow up with them within 7 business days, it triggers a new request and the clock re-starts. Therefore, I should not follow up with them.

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 2025-06-20 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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