vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
In a prior CFPB response, Mr. Cooper stated that foreclosure proceedings were on hold and that a cease and desist designation was on or associated with the account. This designation has not been explained, and I am requesting a full legal and procedural explanation. 

I am the court-awarded legal titleholder of the property. I am not the borrower, have never assumed the debt, and have been trying to participate in court-supervised mediation in Connecticut to XXXX title and equity issues. Mr. Cooper continues to issue unclear responses, refuses to assign a single point of contact, and has failed to explain why communication or servicing is being blocked under this so-called designation. 

I need answers to the following, and request that CFPB compel Mr. Cooper to respond : XXXX. What is the cease and desist designation? 
When was it applied? 
Who requested or triggered it? 
Is it tied to a cease and desist letter from a party or attorney, or is it internal? 
XXXX. What legal effect does it have? 
Does it prevent communication with me as the titleholder? 
Does it block assumption processing or document production? 
Does it limit mediation participation? 
XXXX. Does the designation apply to XXXX XXXX ( the borrower ), to me, or both? 
XXXX. If Mr. Cooper is using this designation to justify failure to communicate or comply with servicing regulations, that XXXX constitute a violation of : XXXX XXXX XXXX ( Requests for information ), XXXX XXXX XXXX ( Loss mitigation procedures ), And servicer duty of care obligations under federal law. 

I have been denied portal access, assumption rights, and loss mitigation communication yet the loan remains active under the name of a borrower who abandoned the property and has not been served. 

XXXX XXXX vague use of cease and desist language appears to be a misuse of internal status codes to obstruct legal communication and due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 am writing to express my concern regarding a late payment reported on my credit file that I believe is inaccurate. I have always prioritized meeting my financial obligations on time and maintain meticulous records to support this. The presence of this derogatory mark is not only inconsistent with my history but is also causing undue harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 2025-07-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccurate and damaging items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws I have made multiple attempts to dispute these items directly with the credit reporting agencies but they have failed to properly investigate and correct the information as required by law The following information is being inaccurately reported on my credit file and is causing substantial harm to my credit standing and overall financial well-being I am requesting that the CFPB intervene and assist in having these errors permanently removed or corrected from all major consumer reporting agencies. 
UNAUTHORIZED INQUIRY TRUIST Date : XX/XX/year> Issue : Credit report was accessed without my authorization Law Issue : FCRA 604 Requires a permissible purpose and consumer consent Story : I did not authorize TRUIST to pull my credit. I have not submitted any application with them and this is a direct violation of my rights UNAUTHORIZED INQUIRY SYNOVUS Date : XX/XX/year> Issue : No credit application or permission given for this inquiry Law Issue : FCRA 604 Requires prior consumer authorization Story : I did not authorize XXXX to access my credit file. This is a privacy violation and must be removed UNAUTHORIZED INQUIRY XACTUS Date : XX/XX/year> Issue : Unapproved inquiry with no permissible purpose Law Issue : FCRA 604 Hard inquiries must be authorized Story : I have never had any dealings with XXXX. I did not consent to this credit access. Please remove this immediately UNAUTHORIZED INQUIRY XXXX XXXX Date : XX/XX/year> Issue : Credit inquiry made without my authorization Law Issue : FCRA 604 ( a ) ( 3 ) No permissible purpose exists Story : I never permitted this company to view my credit report. I request immediate deletion I respectfully request that the Consumer Financial Protection Bureau investigate these issues and require the credit bureaus to comply with their legal obligations under the FCRA and FDCPA I want all unverified inaccurate and unauthorized information to be removed from my credit report including the listed addresses accounts and inquiries These entries are severely impacting my ability to obtain housing employment and credit and are the result of negligent reporting and lack of proper investigation Please ensure that a thorough reinvestigation is conducted and that I am provided with full documentation and results in writing pursuant to 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-07-30 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: HW Holding, Inc
State: IL

Complaint narrative:
This apartment collection account from XXXX XXXX in the amount of {$3400.00} Account numberXXXX XXXX XXXX is due to identity theft. I did not sign a lease, live at the property, or authorize anyone to do so in my name. I have included a police report and an FTC identity theft affidavit. I request immediate removal of this fraudulent account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Been trying to close my savings account since XX/XX/year>, after being denied an ATM card due to a discharged bankruptcy over 17 years ago. Last email send was XX/XX/year>. After numerous phone calls and emails. To date I've been unsuccessful in closing this account and obtaining my funds. Every call has resulted in a we'll check?! Only to hear nothing and receive nothing.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to pay movers {$700.00} via XXXX XXXX XXXX Bank of America account, but the transaction remained pending for several hours. Because the payment didnt process in time, I withdrew {$700.00} in cash and paid them directly. While on hold with Bank of America trying to cancel the pending transaction, it suddenly went through resulting in the movers being XXXX  twice. 

I immediately reported this issue, but Bank of America denied my refund request without providing any written explanation. I had to call multiple times to follow up, and each time I was given vague or evasive responses. At XXXX point, I was placed on hold for nearly an hour after asking to speak with a supervisor and then disconnected. 

This was not user error. It was a failure of Bank XXXX XXXX XXXX, both technically and procedurally. I am seeking a refund of the duplicate {$700.00} XXXX payment.

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 2025-07-30 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 mailed a full dispute package to XXXX  on XX/XX/XXXX. XXXX received it on XX/XX/XXXX, including a legible government-issued ID, proof of address, and a formal letter disputing inaccurate consumer information. The documents were clear, readable, and properly formatted, fully compliant with dispute requirements. I received a follow-up letter on XX/XX/XXXX, telling me this. 

Despite that, XXXX responded claiming my documents were illegible. This is a blatant abuse of the FCRA dispute process and a delay tactic. Theyre attempting to reset the 30-day reinvestigation window in violation of 15 U.S.C. 1681i ( a ) ( 1 ).

They also failed to follow reasonable procedures to assure maximum possible accuracy, violating 1681e ( b ). Texas law ( Bus. & Com. Code 20.06 ) prohibits deceptive obstruction of valid disputes. Metro 2 guidelines also require fair and consistent dispute handling, which they ignored. 

This isnt an isolated issue. In XXXX, the CFPB brought enforcement action against XXXX  ( XXXX XXXX. XXXX ) for similar violations. Their behavior shows a repeated pattern of bad-faith reinvestigation and obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GFS II, LLC
State: MI

Complaint narrative:
In XXXXXXXX XXXX XXXX I went to XXXX XXXX XXXX XXXX in XXXX MI. I had previously went thru them and had a good experience with the XXXX XXXX location. My car was having issues and I need reliable transportation. At the time, I worked full time and received disability. I was not informed of my interest rate. I recently found out its nearly 92 %. My car payment is {$730.00} a month. I was told after signing my loan that if I am asked about how much I pay for rent to lie by a few XXXX dollars. In XXXXXXXX XXXX XXXX, I lost my disability and started struggling to keep up with rent, the car, ect. Only {$200.00} of my payment is going to the principal. My loan is for {$27000.00} something for a used XXXX XXXX that is work maybe half of that at signing. Which I was not aware of. They took advance of that and put me in a predatory loan that they obviously knew wasnt affordable but knew I needed a vehicle. In XXXX of this year, I had to get a deferred payment. Ive been laid off work most of XXXX. I spoke to them on XX/XX/XXXX and was told there was nothing they could do. I also spoke to them back in XXXX when I realized that my loan was for 6 years not 2years, after reaching out to XXXX XXXX XXXX They are not willing to work with me or lower my payments. Im pretty sure the interest rate is illegal. Ive lost my housing over trying to keep my car and now Im about to lose the little roof over my head because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
In XX/XX/XXXX, I received a XXXX mile ambulance ride to a hospital, with no medical care received during the ride. I was vacationing and unaware of the name of the ambulance company, but they took my contact information. 

On XX/XX/XXXX I received notice that a medical collection had been filed against me. 

The collection had apparently been on my report for over a year. No prior notice of intent to collection was provided. No prior medical bill was sent, either, which is a violation of Utah XXXX. 

On XX/XX/XXXX I sent a certified letter to Mountainland Collections LLC, informing them that the collection was improper due to failure to issue a bill first. I also asked them to validate the debt in accordance with FDCPA. 

Mountainland replied on XX/XX/XXXX with an " account balance {$2700.00} '' and an ambulance company name. Mountainland noted that the account had been placed for collection on XX/XX/XXXX, more than a year prior to my first notification about this collection. Mountainland marked the account as " Disputed '' but made numerous legal violations and misrepresentations. 

Mountainland 's violations include : - Failure to properly validate, only a one line statement of amount ( FDCPA violation ) - Falsely marking credit report as FCRA compliant ( Section 623 Furnisher violation ) - Failure to address collections reporting without prior billing ( Utah XXXX violation ) - Falsely claiming their response complies with " FTC Guidance '' for validation requests.

Mountainland 's marketing material brags that " We comply with federal regulations... including FDCPA, ... FCRA '' Mountainland has had six months to resolve the violations, but has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
I am contacting you to formally dispute the listing of an account on my credit report that I believe was opened fraudulently using stolen personal information. I did not authorize the use of my name or identifying details for the purpose of opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 2025-07-30 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: FL

Complaint narrative:
XXXX'To Whom It May Concern,\n\nI am writing to formally dispute and demand the immediate deletion of the account listed below from my credit file due to multiple verified inaccuracies in violation of the Fair Credit Reporting Act (FCRA).\n\nCreditor/Collector Name: XXXX XXXX XXXX XXXXAccount Number: XXXXCurrent Reported DOFD: XXXX XXXX XXXXCorrect DOFD (per itemized bill)XXXX XXXX XXXX XXXXnDespite multiple investigations (at least 5 times), the account continues to be reported with the wrong Date of First Delinquency, artificially extending the negative impact on my credit profile beyond the seven-year reporting limit as outlined in FCRA 605(a)(4).\n\nBy continuing to verify inaccurate information, the furnisher and the credit bureau are in violation of:\n\t\tFCRA 611 (15 U.S. Code 1681i): Failure to properly investigate disputes.\n\t\tFCRA 623 (15 U.S. Code 1681s-2): Duty to report accurate information.\n\t\tFCRA 607(b): Reasonable procedures must be used to assure maximum possible accuracy.\n\nThis is not a correction issue anymore. It is a systematic failure to correct a verified error, which warrants complete deletion of the account per FCRA.\n\nI am requesting the following:\n\t1.\tImmediate deletion of the account from my credit file.\n\t2.\tA copy of the results of your reinvestigation.\n\t3.\tThe method of verification and name of the data furnisher who verified the information.\n\nFailure to remove this inaccurately verified account may result in a formal complaint to the Consumer Financial Protection Bureau (CFPB) and consideration of further legal action for damages under FCRA.\n\nSincerelyXXXX 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 2025-07-30 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: FL

Complaint narrative:
XXXX'To Whom It May Concern,\n\nI am writing to formally dispute and demand the immediate deletion of the account listed below from my credit file due to multiple verified inaccuracies in violation of the Fair Credit Reporting Act (FCRA).\n\nCreditor/Collector Name: XXXX XXXX XXXX XXXXAccount Number: XXXXCurrent Reported DOFD: XXXX XXXX XXXXCorrect DOFD (per itemized bill)XXXX XXXX XXXX XXXXnDespite multiple investigations (at least 5 times), the account continues to be reported with the wrong Date of First Delinquency, artificially extending the negative impact on my credit profile beyond the seven-year reporting limit as outlined in FCRA 605(a)(4).\n\nBy continuing to verify inaccurate information, the furnisher and the credit bureau are in violation of:\n\t\tFCRA 611 (15 U.S. Code 1681i): Failure to properly investigate disputes.\n\t\tFCRA 623 (15 U.S. Code 1681s-2): Duty to report accurate information.\n\t\tFCRA 607(b): Reasonable procedures must be used to assure maximum possible accuracy.\n\nThis is not a correction issue anymore. It is a systematic failure to correct a verified error, which warrants complete deletion of the account per FCRA.\n\nI am requesting the following:\n\t1.\tImmediate deletion of the account from my credit file.\n\t2.\tA copy of the results of your reinvestigation.\n\t3.\tThe method of verification and name of the data furnisher who verified the information.\n\nFailure to remove this inaccurately verified account may result in a formal complaint to the Consumer Financial Protection Bureau (CFPB) and consideration of further legal action for damages under FCRA.\n\nSincerelyXXXX 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 2025-07-30 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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