vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. COOPER Powered by XXXX aka NATIONSTAR MORTGAGE erroneously reported me as " Serious Delinquent - 90 to 120 past due '' in XX/XX/XXXX and subsequent months to XXXX, XXXX and XXXX  while I was in the middle of a FORBEARANCE PLAN period which began in XX/XX/XXXX. XXXX and was to continue thru XX/XX/XXXX. 

Mr. COOPER aka NATIONSTAR MORTGAGE erroneously misreported me as " Serious Delinquent - 90 to 120 past due '' in direct violation of my " Offer for Mortgage Forbearance Agreement '' dated XX/XX/XXXX '', which specifically states on Page 2, " During this period, we will not report delinquent payments to credit bureau reporting agencies. '' Reporting the " Serious Delinquent - 90 to 120 past due '' against my credit history during the Foreberance period is exactly what Mr. COOPER Powered by XXXX did. Furthermore, Mr. COOPER followed up the actual misreporting of derogatory credit with numerous " threatening '' Collection LetterS ( Item # ' 6, 7, 8, 11 & 12 attached above ).

This erroneous misreporting of derogatory credit caused an immediate and significant precipitous decline in all three of my credit scores.

This is not only in violation of my " Offer for Mortgage Forbearance Agreement '' dated XX/XX/XXXX '', it is also a serious direct violation of the Federal Fair Credit Reporting Act ( FCRA ).

Supporting Documentation # 1 thru # 15 : I've enclosed and attached every relevant supporting document the XXXX XXXX XXXX XXXX will need to expeditiously remove the Mr. COOPER Powered by XXXX 's erroneous misreporting of " Serious Delinquent - 90 to 120 past due '' from my credit history and report, once and for all.

The supporting documents # 's 1 thru 15 I've enclosed herewith span a period of time beginning from the XX/XX/XXXX " Offer for Mortgage Forbearance Agreement '' ( # 1 ), the actual erroneous misreporting in XX/XX/XXXX ( # 10 ), through the progression of threatening Collection Letter to the XX/XX/XXXX LOAN MODIFICATION AGREEMENT ( # 14 ) and ending with the most current Mortgage Statement dated XX/XX/XXXX, ( # 15 ). 

It's important to note that the all three payments made during the 3-month " trial period '' leading up to the XX/XX/XXXX, LOAN MODIFICATION AGREEMENT, as well as all subsequent {$1800.00} monthly XXXX payments to Mr. COOPER on my loan # XXXX have all been made on time in accordance with the prescribed terms and conditions of my Agreement with Mr. COOPER. 

Thank you very much. 

Respectfully, XXXX XXXX XXXX. Supporting Documents # 's XXXX thru XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: VA

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 explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: IL

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 data reporting standards. Despite my formal dispute dated XX/XX/XXXX, Equifax continues to report inaccurate, unverifiable, and non-compliant information, including faulty inquiries, inconsistent identifiers, and derogatory tradelines. This failure constitutes a violation of my consumer rights under federal law. 

I explicitly demanded that Equifax retain only factually accurate, timely, complete, and Metro 2 compliant information, and permanently remove all inaccurate identifiers, unverifiable accounts, and inquiries. 

Equifax is reporting multiple unproven inquiries including, but not limited to : XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Equifax is also reporting XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as late, despite deficiencies in verification and reporting standards. This account has not been proven valid or compliant with Metro 2 reporting requirements. 

In addition, Equifax continues to report inaccurate personal identifiers, including outdated names, addresses, employers, and incorrect formatting of my date of birth, despite my clear demand that only verified identifiers be reported. 

Supporting Facts : I provided my full and accurate identifiers ( name, DOB, SSN, current address ) and directed Equifax not to retain or report any other unverified information. They continue to publish outdated and inconsistent data. 

The listed accounts and inquiries were disputed on XX/XX/XXXX, yet remain unproven, inconsistent, and non-compliant. 

Metro 2 requires consistent, certified compliant reporting across all bureaus. Equifax has failed to meet this standard. 

Equifaxs repeated disregard for proper investigation and correction represents willful noncompliance under the FCRA ( 15 U.S.C. 1681 ), FDCPA, and FACTA.

Harm : Due to Equifaxs inaccurate reporting, I have experienced : Denial of credit approvals Higher interest rates on approved applications Reputational harm and financial injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to know how this information was verified.

Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Report Number XXXX Date Generated XX/XX/XXXX Source : Experian This is the second attempt. The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX None : 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 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
A collection of {$860.00} was put on my credit report that Negatively Affected my XX/XX/XXXXXX/XX/XXXX form ( SOURCE RECEIVABLES MANAGMENT ) ON XXXX XXXX the open date was XXXX XXXX this is in strict violation of 15 U.S.C. 1681s-2, which is part of the Fair Credit Reporting Act ( FCRA ). It states that a person or entity may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Selene Holdings LLC
State: VA

Complaint narrative:
The options provided did not match my situation. 
The mortgage company Selene Finance sent me a letter about renewing forced insurance. This letter was received yesterday XX/XX/year> with a deadline of XX/XX/year>. The letter inside is dated XX/XX/year>. It would not take first class mail that long to reach me. I have read other complaints and even saw there was a lawsuit with this company revolving this issue. I have sent them an email regarding this and asking for an extension. With XXXX XXXX  on Monday, that gives me only 1 day to coordinate with the company on obtaining insurance. From what I have seen, they are required to give 45 days notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forest Recovery Services LLC
State: PA

Complaint narrative:
Never received notification about this debt from landlord or from the debt collector. I have absolutely no paperwork or anything verified with this debt. Also XXXX  also refuses to send me info on this debt when I've disputed it multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MO

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: 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 explanation
Consumer complaint received 2025-08-31 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 am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-31 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate reporting of an Affirm Inc. unsecured loan. This account, opened on XX/XX/year>2022 with a reported balance of {$360.00}, is being incorrectly reported as a charged-off account with a balance due. I previously disputed this account and specifically requested proof of the charge-off, correction of the balance to {$0.00}, or deletion of the negative payment status. Despite my dispute, the bureaus verified the account without providing supporting documentation, and I do not agree with the results of this investigation. To date, I have not received proof of the charge-off or proof supporting the negative payment status that continues to be reported.

This reporting violates the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified account as a charge-off without documentation fails to meet this standard. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items. No reasonable investigation has been conducted in this case, as no proof has been furnished to validate the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX025 I opened a Square account. For online/digital transactions for my XXXX XXXX XXXX XXXX On XXXX XXXX,2025 once I received payments from three customers line up they randomly shut my account down. Also, on XX/XX/XXXX multiple emails were sent to Square Account Services. Of course the 24-48 hour generic response was given. When I finally received an email back I was told to call in. I made the call into the company Square and they could not tell me why my account was closed and why my funds were placed on hold. They advised me to send a message on the website, when I did they told me my account was deactivated and because of their financial institute they couldnt not give me a reason why. I was then asked again to send an email, which I did again on XXXX XXXX2025 and the woman who emailed me back resorted me back to messaging the chat on their website from XXXX Monday thru Sunday. I am getting the run around from this company. I messaged them again XXXX XXXX XXXX,2025 as its been almost 90 days and the customer service representative still could not tell me why or release my funds. Also stated multiple times that a supervisor was not available and at this point is needed. I have every record of conversations and I need assistance with receiving these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
Victim of Data Security Breach : Equifax , Inc . Customer No. XXXX ( U.S. District Court for XXXX XXXX XXXX of Georgia ) Violations are : Failed to Maintain the Maximum Possible Accuracy : 15 USC 1681 ( s-2 ) b Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant ), declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief.

II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink.

b. The Equifax data breach exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file.

III. Identified Fraudulent Accounts I have personally reviewed my consumer credit report ( s ) prepared and distributed by Equifax Inc. I have identified the following fraudulently information : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I made a purchase of {$1900.00} at a local Lowes using my Cash App card. A second charge for the same amount was debited from my account at XXXXXXXX XXXX on XX/XX/year>, which caused my account to overdraft. 

I returned to XXXX and spoke with a customer service representative, who confirmed that only one transaction appeared in their system under my account. I then filed an electronic double charge dispute with Cash App, which was denied two days later. 

I contacted XXXX again, and they again confirmed only one transaction was visible on their end. I then filed a second double charge dispute with Cash App, which was also denied. Following that, a Cash App representative escalated my case to the fraud department, but this too was ultimately denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my 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 non-monetary relief
Consumer complaint received 2025-08-31 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: AL

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 response to consumer: Closed with non-monetary relief