vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XXXX I received a preapproved credit card offer from XXXX XXXX. I specifically looked for small print stating a credit check would be conducted. The only thing that came up was your social would be used to CONFIRM your report which is obviously misleading. Nothing came up asking if I agreed to a credit check. Nothing came up indicating the application would pull a hard inquiry or any inquiry for that matter. Its misleading because most people would look at confirm as meaning checking to see if the social matches your name, not pull hard inquiry ( why not just say they are pulling a credit report ).

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 2025-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit report I noticed XXXX unauthorized inquiry I have no knowledge of and I believe I've been a victim of identity theft, can you please remove this fraudulent inquiry from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also attached my identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
XXXX XX/XX/XXXX Summary : On the XXXX of XX/XX/XXXX the XXXX XXXX XXXX  XXXX XXXX and the XXXX XXXXXXXX XXXX auditor issued a mortgage payment on behalf of myself, XXXX XXXX XXXX to Nationstar Mortgage/Mr. Cooper/USAA. This was in the amount of {$2100.00} and was for the months of XX/XX/XXXX and XX/XX/XXXX, which would have brought my account current up until XXXX XX/XX/XXXX. It was on the XXXX of XXXX when I noticed that the payments hadnt been credited to my mortgage account. At this time, I spoke with a XXXX. XXXX representative who stated they needed a copy of the check to research the missing payments. She felt the check may have been deposited into the wrong account and would start a Research inquiry as to the location. 
On the XXXX of XX/XX/XXXX I made a payment to Nationstar for the month of XXXX which on the XXXX of XXXX was returned to my XXXX checking account with a notice saying they couldnt process the payment. When I spoke with a Nationstar representative she stated that since my account was XXXX days past due that they wouldnt accept it. Once again, the reason the account is XXXX days, past due is that they lost my XXXX and XXXX payments. She stated that she would investigate it and get back to me the next morning, which she never did. 
Due to these missing payments XXXX. XXXX wont allow me to make payments stating that my account is XXXX days past due, which if the XXXX payments would have been credited to my account would have only been XXXX days past due. Thus, my XX/XX/XXXX payment was rejected without a reason. 
In addition, on the XXXX of XX/XX/XXXX I received a letter from Nationstar mortgage saying that they had located my missing payments, and the funds would be credited to my mortgage account on the XXXX of XX/XX/XXXX. Yet, as of the XXXX of XX/XX/XXXX the missing payments had not been credited to my account. The letter even apologized for the inconvenience. 
At this point Im worried about Nationstar filing for foreclosure due to the missing payments. 
Timeline documentation attached in PDF : XXXX XXXX XXXX XXXX BS MORTGAGE STATEMENT SUBMITTAL XXXX XXXX XXXX XXXX  BS HCVS CLEARED CHECK MORTGAGE ASSISTANCE XXXX XXXX XXXX XXXX BS EMAIL HCVS XXXX XXXX XXXX BERNDT BS MISSING CHECK SCAN SENT TO XXXX  XXXX XXXX XXXX XXXX BS RESOLUTION EMAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX LETTER FROM XXXX XXXX XXXX XXXX XXXX  BS ACH MORTGAGE PAYMENT TO XXXX XXXX XXXX XXXX XXXX XXXX NOTIFICATION OF PAYMENT NOT PROCESSED XXXX XXXX XXXX XXXX XXXX XXXX CHECKING ACC SCREEN SHOT XXXX XXXX XXXX XXXX XXXX MORTGAGE PAYMENT RECORD SCREEN SHOT XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT SUMMARY SCREEN SHOT XXXX XXXX XXXX XXXX XXXX XXXX RESOLUTION LETTER AND APOLOGY XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT SCREEN SHOT SHOWING NO PAYMENTS

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX, 2025 my father and I went to the M & T Bank on XXXX XXXX XXXX in the XXXX XXXX XXXXXXXX, PA. It was there we met the manager XXXX XXXX. He asked what we were there for and we told him a home equity loc. He asked why and I told him I needed the money for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and we need a XXXX XXXX XXXX XXXX XXXX It was then that he accused me of fraud and said what men would do that and started to really question items. I sent him proof of items that were done by professional organizations that we were working with and other supporting documents. It was at that time that I realized that the XXXX XXXX XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and possibly XXXX XXXX XXXX XXXX XXXX XXXX  ). He started to stumble around then walked out of the office and I heard him state to a fellow employee that elder abuse was occurring as well, it was not. My father, a senior, was getting confused because of his incompetency. It was at that time that I said to the manager that we are leaving and I said that I am not comfortable and he said why, I responded don't worry and any further questions I am calling the police. A few items : 1. I believe he discriminated against me and my reproductive rights, who is he to question why men would do XXXX. 2. He was XXXX and I wanted to call the police due to XXXX XXXX. I hope you make M & T aware, I have made it my personal mission to get this branch shut down through letting the public know about his behavior and by filing code complaints with the community to put them out of business.

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 2025-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-20 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate.

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am submitting a complaint against Freedom Mortgage for inaccurate credit reporting and misinformation provided by their representative. 

On XX/XX/year>, I contacted Freedom Mortgage regarding my mortgage account and was informed by their representative that, since my loan was in loss mitigation status and under review for a forbearance, the XX/XX/year> delinquency would not be reported to the credit bureaus. 

I was later approved for an informal forbearance period from XX/XX/XXXX through XX/XX/year>, as confirmed in their letter dated [ insert letter date ]. However, despite the assurance I received during the call, a 30-day late payment for XX/XX/year> was reported to the credit bureaus, resulting in a XXXX drop in my credit score.

This misinformation has caused significant financial hardship and credit damage, especially as I am actively trying to regain financial stability during this time.

I have attached the letter I received from freedom mortgage, my original complaint, and their response. They have not addressed the issue of misinformation received from their 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 explanation
Consumer complaint received 2025-04-20 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: MO

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Identity Theft Notification Request to Block Fraudulent XXXX Account under FCRA 605B Dear Sir or Madam, I am writing to formally dispute and request the removal of a XXXX credit card account that is being reported on my credit file. This account is fraudulent, and I did not apply for, open, or authorize this account in any way. I am a victim of identity theft, and this account is the result of criminal misuse of my personal information. 

My personal data was compromised in the XXXX XXXX  data breach, and since then, I have been the target of multiple fraudulent accounts being opened in my name. In response, I have taken proactive measures including filing identity theft reports and enrolling in a credit monitoring service to detect and mitigate further unauthorized activity. 

In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), I am exercising my right to have this fraudulent XXXX account blocked from my credit report. The FCRA mandates : 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 not later than XXXX business days after the date of receipt of : ( i ) appropriate proof of the identity of the consumer ; ( ii ) a copy of an identity theft report ; ( iii ) the identification of such information by the consumer; and ( iv ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please find enclosed the following required documents : A copy of my valid government-issued photo ID A utility bill or other document showing proof of current residence A copy of my FTC Identity Theft Report ( or police report ) My signed written statement affirming that the XXXX account is fraudulent and not associated with any transactions I made I am requesting that you block this XXXX account from all reporting on my credit file immediately. Please be advised that failure to do so within the time frame set by law is a violation of the FCRA, and under 15 U.S. Code 1681n and 1681o, you may be held liable for : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees and legal costs Please confirm in writing when the XXXX account has been removed from my file, and ensure no further information about it is reported in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt compliance. 

Sincerely, 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 2025-04-20 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Okay Ive been with this company called Robinhood and Ive been storing asset such as cryptocurrency and cash with them,, so all of a sudden my account got restricted with no reasons and its been two weeks now Im unable to access my funds theyve asked me for couple of identification such as my bank statement and id card which Ive provided then they promise to review it and all they do now is keep shifting date after date without doing nothing its getting annoying and I need to access my funds I hope I get help with this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: OH

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect late payment entries from XXXX XXXX XXXX XXXX which has caused my XXXX XXXX to drop by over XXXX points! This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records XXXX have been compromised or altered without my consent. 

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

XXXX. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX may have incorrectly or fraudulently reported late payments that I did not actually incur. 

XXXX. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

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