vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RFNA, LP
State: MS

Complaint narrative:
I wasnt aware of this lawsuit before hands. I tried to even bring my account up to date and I told them I was having financial hardship. They didnt care about Im having financial hardship so after even making a payment XX/XX/year>. They still didnt try to help me .. my payment wasnt due on the XXXX of the month my month was due on XXXX of every month the typo in that contract was their employee fault not minesthe letter they sent in the letter wasnt label. It was sent in an envelope with only a return address not who it was from now Im facing lawsuit on my record because of their employee fault and even when I tried to make it right they give me no chance this isnt fair to me ( I dont open no mail with no label because I get a lot of loan offer in the mail and they can with just return address..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: FL

Complaint narrative:
The following text was sent to my ex-wife, weve been divorced XXXX  years. 
I do not know this company and my phone number has been the same for XXXX  years and my address hasnt changed in XXXX  years. 

My ex-wife received this on XXXX XX/XX/year> : Hi XXXX XXXX, this is XXXX XXXX XXXX. 

- We need to discuss your account ( Ref : XXXX ). Flexible settlement options may be available. 

- Call/text XXXX or visit [ XXXX XXXX XXXX ]. 

- This is an attempt to collect a debt. Text STOP to opt out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
On Thursday, XX/XX/year>, I sent off my Modification documents via FedEx with the prepaid envelope sent from the mortgage company. On Thursday, XX/XX/year>, I called Cross Country Mortgage to check the status of my modification. I was told by the customer service agent that they received my documents and had been trying to contact me to let me know there was a page missing from my packet. This page is a document that is supposed to be signed by the mortgage company. I expressed that I never received a call or any correspondence about this and I would have no idea about this page. I also expressed that since this page doesn't pertain to me it shouldn't hinder the modification process. The customer service agent then stated that they are very strict so she would have to resend the modification documents to me again. 

I expressed my frustration with my multiple attempts to receive assistance due to illness, decreased income, and divorce. I explained that I feel as if every option I try I keep getting blocked. She explained that I wasn't eligible for any other option but a modification. I expressed that I would have preferred a repayment plan because I filed bankruptcy, voluntarily repossessed my truck, and increased my work hours to get back on track. She expressed that because my mortgage was not with them when I was XXXX months behind and could have qualified for that option there was nothing that could be done. 

I am a hard-working Mother of XXXX and I am tired of all this back and forth with the mortgage company. I have made many sacrifices to get back on track and I don't see any path of achieving that with my mortgage company. I need help real help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: DE

Complaint narrative:
XXXX XXXX XXXX : Congratulations! The XXXX XXXX has forgiven all or a portion of your federal student loan ( s ) listed below with MOHELA as you successfully met the requirements of the XXXX XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Thank you for your public service! 
This forgiveness is effective as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX there was money taken from my account that says it was through XXXXXXXX XXXX service fee Ive contacted them. They said they dont charge a service fee and to talk to my bank talk to the bank and they said it was not because of a overdraft fee and that I should get a hold of the casino app. Now indebted is getting a hold of me due to a collection that states XXXX XXXX, InDebted here. We're a debt collector contacting you regarding your XXXX ( XXXX XXXX XXXX XXXX XXXX payments partner ) account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check in the amount of {$28000.00} into my personal checking account. The check was issued by XXXX XXXX, a reputable financial institution. Despite this, Bank of America placed an unusually long 7-day hold on the deposit. 

The funds were not released until XXXX XXXX  on XX/XX/year>. Shortly after the funds became available, at midnight on XX/XX/year>, Bank of America withdrew {$7300.00} from my personal checking account without my knowledge or consent. This offset was used to pay a business credit card debt. 

The personal account affected is not contractually linked to the business credit card, and I have never provided signed authorization allowing the bank to withdraw funds from my consumer account to satisfy a commercial debt. The timing of the offset, which occurred immediately after the funds were released, strongly suggests a predatory and reactive seizure rather than a scheduled or authorized transaction. 

I sent a certified legal demand to Bank of America on XX/XX/year>, requesting a full refund and documentation proving their legal authority to perform this offset. I also attempted to escalate the issue via email, but the known escalation address returned a fatal delivery error. 

On XX/XX/year>, at XXXX XXXX  CST, I received a phone call from a Bank of America representative. During that call, my refund request was denied. The representative confirmed that no signed documentation would be provided, and that call records or transcripts would only be made available through a subpoena. 

I have exhausted all internal resolution channels. I am requesting a full refund of the seized funds, a formal investigation into Bank of America 's offset and funds-hold practices, and regulatory enforcement for what I believe constitutes a violation of the Electronic Fund Transfer Act ( EFTA ) .

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

Complaint narrative:
XXXX  has not proved in over 90 days I did not make payment by phone then because I did there systems were messed up and it is all on call and tape I will please remove now and the late they stuck on for XXXX  themselves had a breeches in 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to report inaccurate and inconsistent reporting by Experian regarding alleged 30-day late payments on my XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). According to my Experian credit file, late payments were reported for XXXX, XXXX, XXXX, and XXXX. However, I have reviewed these entries and found them to be erroneous, unsupported, and unverifiable. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i : which mandates that credit bureaus must conduct a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681s-2 ( b ) : which requires furnishers to verify disputed information with documentation.

15 U.S.C. 1681e ( b ) : which requires credit bureaus to maintain maximum possible accuracy in consumer reports. 

I have formally requested that Experian and XXXX XXXX XXXX provide : Bank statements showing the due dates and payment posting dates. 

Proof of actual delinquency with original records. 

Documentation of the method and source of verification, explicitly excluding reliance on automated systems such as e-OSCAR. 

Additionally, under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ), creditors are required to provide billing statements at least 21 days before a due date. Any failure to do so invalidates the legitimacy of a late payment report. Moreover, reporting unverified data is a deceptive practice under UDAAP and a violation of Regulation V ( 12 CFR Part 1022 ).

Experians continued reporting without fully verifying the accuracy of these late payments constitutes negligent reinvestigation and misrepresentation of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of accounts opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of accounts opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
Report XXXX details Nexis Lexis refusal to send consumer report. As stated in their response they have their phone number to submit information needed. As stated in my report I have called and given proper information on XXXX separate occasions with promise of them simply sending me a report. This is just proof that they refuse to send me my report. Its been over four months. XXXX help me if they enter false information about anything.

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

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: KEYCORP
State: OH

Complaint narrative:
I was a victim of unauthorized EFT DIGITAL THEFT WITH KEY BANK AND XXXX XXXX. 

I filed a police report & FTC IDENTITY AFFIDAVIT FOR THEFT OF MY CELL PHONE AND WALLET FROM MY VEHICLE WHILE AT VALET. 

I FILED A CLAIM TO REVERSE UNAUTHORIZED CHARGES AND RECEIVED A PROVISIONAL CREDIT IN XX/XX/2025. In XXXX, the provisional credit of {$300.00} was reversed and removed from my checking account, causing a negative balance and overdraft charges accrued due to outstanding checks I wrote that were not covered due to the provisional credit reversal, and no evidence was provided for the decision. 

Due to the key bank 's decision not to adhere to Regulation E, 12 C.F.R., I disputed the REVERSAL OF CHARGES, ENACTING MY regulatory rights TO KEY BANK in writing, requesting a Provisional credit to remove my checking account from a negative banking rating. they denied my rights for provisional credit and reversal of charges under Regulation E rights on digital fraud on the telephone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have uploaded the XXXX  file of the back and forth exchange. XXXX  closed the complaint due to this not being resolved and recommended contacting you and other departments as well. 

Square INC shut my business processing down affecting my livelihood with no explanation - please details written in the PDF file from the XXXX complaint. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I want my credit cleared. I have payment plans set up. I want a pay to delete offer. I do not think that its fair. I pay of the debt and they feel entitled to damage my credit for XXXX plus years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Equifax and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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

Complaint narrative:
The account in question has been reported inconsistently across all three credit bureaus. One bureau shows the credit limit as {$0.00}, while others correctly report a {$500.00} limit. The high credit also varies, with two showing {$530.00} and one showing {$500.00}. Payment history is also inconsistentone bureau reports a 150-day late status while the others report 120 days. Additionally, the date of last payment is different, and closure reasons vary ( closed due to inactivity, canceled by grantor, paid account ). These discrepancies misrepresent the status and history of the account. I am requesting that the information be verified and corrected or removed if it can not be confirmed as accurate.

Company response to consumer: Closed with non-monetary relief