vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I was under a XXXX protection plan but lost my job, I reached out to the lender on XX/XX/XXXX and was advised to do a loss mitigation. I return the paperwork, I called on XX/XX/XXXX to see if they received everything, XXXX XXXX stated yes but it was pointless because the sale was already set for XXXX. she then said it has to be XXXX  days prior to the sale date. I advised that I was advised that this was an option. She stated per call notes I was, I was not told that. She said I didn't talk with her but it was her direct line. She said well, it was in the paperwork. 
It was noted but since I got the forms on the XXXX I thought that they would help. 
If they knew this was not an option, why send this to me? I wasted time I could have used to find other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MN

Complaint narrative:
Experian and Equifax has an initial security alert and fraud alert on my Experian and Equifax credit report. I do not want an initial security alert or fraud alert on my Experian or Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I had a cashier 's check printed from my XXXX XXXX XX/XX/25 for the full payment amount of {$1500.00} and mailed at the post office the same day to my original loan servicer company - XXXXXXXX XXXX XXXX  XXXX. This is per the instructions provided both written in a letter and verbally provided at the closing of the house, I mailed my check to the original servicer for XX/XX/25 payment to be posted when received. This should have posted to the account early and removed a few days worth of interest from the mortgage and interest on the escrow amount. A letter dated XX/XX/25 confirms that payments on or after XX/XX/25 should be sent to the new servicer and that the current servicer is collecting payments. A second letter dated XX/XX/25 stated the opposite that the due date for the first payment on XX/XX/25 should be with the new servicer. Clearly, this was several days after the payment was due. 

The new servicer is Freedom Mortgage and they sent me a letter stating that they had not received payment and that I was late on my mortgage. When I received this letter XX/XX/25, I immediately called them to check on where they payment was. They informed me and I later confirmed with my online account that it had posted XX/XX/25. Furthermore, the new servicer sent a letter dated XX/XX/25 stated that the older servicer would not collect payments after XX/XX/25 - again sent well after the end date.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-03-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$680.00} - Account # : XXXX XXXX XXXX - Balance : {$25000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$680.00} - Account # : XXXX XXXX XXXX - Balance : {$25000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach This is to notify you that I have fallen victim to a data breach, and I request the immediate blocking and deletion of specific accounts and inquiries, as provided under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX {$750.00} XXXX XXXX XXXXXXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I have had several accounts with cash app over over the years and have never had a problem. I got a loan of {$50.00} from them and was unable to pay due to being out of work due to back and neck injuries resulting from an accident. When I finally got some money to be able to pay the loan back and start using the account again they had restricted it and wanted me to verify myself again with them. I did this but in the meantime I was able to pay the loan amount that was due so thought the account was good and bought a metal card for the account which was about {$55.00} with tax. Before they told me anything about that account I opened another account so I could still have an account for sending and receiving money. I ended up getting that one closed as well. I gave it one last try and opened a third account thinking third times the charm. I deposited money in this one and bought a metal card for this one and everything seemed fine till I logged in last night and saw where they had restricted my account again and totally closed it by this morning. Im not getting any explanation other than I violated the terms of services but thats a lie when the account has literally only been opened a month for the last one and wasnt even used for the others til XXXX of this year when I received money from an accident settlement. They have blocked my phone number, IP address on my phone and email so I cant call or verify anything with them. Ive been trying to get them to tell me what happened cause I believe my card number for the first card was compromised but they arent being very responsive or helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my credit report and found an error. The duplicate item ( XXXX ) are being reported inaccurately. I am disputing the accounts listed below : Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Nature of Dispute : Inaccurate information/Duplicate account. 
Date of Error : XX/XX/XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Nature of Dispute : Inaccurate information/Duplicate account. 
Date of Error : XX/XX/XXXX I am requesting that this inaccurate information be investigated and corrected. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute and correct ( delete ) any inaccuracies within XXXX  days. This is a violation of my rights. 
Please confirm receipt of this dispute and keep me updated on the status of the investigation. I would appreciate it if you could also send me a copy of my updated credit report once the dispute is resolved. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, ***

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/year> XXXX XXXX breached a contracted with me ; which failed to fulfill their obligations as outlined in the contract without a valid excuse by cancelling the rest of my payments agreement with them of the amount of XXXX dollars. They still charged me for the monthly payment as stated on the agreement with them ; which is XXXX. Then XXXX XXXX closed my account without any notice and sent the rest of the amount due to a collection agency ; as a result they sent a negative credit report to credit bureaus! 
I was on a regular auto payment with this credit card company and one day I logged in to my account and I found a XXXX dollar unknown charge ( probably a paper statement fees or something ) Because I was on the auto payment with them I didnt notice about this charge! The XXXX credit card company has never contacted me in any method to notify me about it. I also, saw their offer to pay the full balance on an agreement if you accept their payment plan. It looked like a good offer ( hardship offer with willing to pay and the agreement was successfully accepted ) then suddenly they sent it to collections agency even though I was paying on time! I have all supporting documentation that I can sent when required! 
I have too many credit card balance with other companies, but I have been always responsible making payments on time and my payments history from my credit scores proves it! 
I have never had such an issue! 

Note : I started paying the first monthly collection agency after they refused to give an explanation! 

If XXXX XXXX  is unwilling to take responsibility for their breach of contract and fix this issue, I will be forced to take legal actions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 explanation
Consumer complaint received 2025-03-26 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: IL

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 explanation