vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
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: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
I called Mr.cooper on XX/XX/XXXX, and communicated I was fired from work and was not going to be able to make a payments on time and need help. They refused to start a review and told me I have to be 2 months past due 61 days, to be helped. Iv spoken to HUD they explained to me that, since I am terminated from my employer, my mortgage services should allow me to be on a forbearance, when I requested it. But they refused to help. I called again today with 35 days delinquency, and told them I am needing help because I am still unemployed, they stated they can not offer me help till am 61 days. By that time I have occurred more late fees, and potentially foreclosure. I have spoke to HUD multiple times, they have stated they have programs for people who are unemployed. I am not understanding why Mr.cooper is not helping me and making me wait. To further hindering my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My Bank of America credit card account ( XXXX ) was transferred to XXXX XXXX XXXX for collections. I reached a full settlement with XXXX XXXX XXXX on XX/XX/XXXX, and I have a formal settlement letter confirming the account was resolved. I paid the full settlement amount of {$13000.00} on XX/XX/XXXX. 

Despite fulfilling my financial obligation in good faith, Bank of America continues to report an outstanding balance of {$16000.00} to the credit bureaus ( XXXXXXXX XXXX XXXX XXXX ). I have contacted both Bank of America and XXXX XXXX XXXX XXXX XXXX over the past several weeks, requesting that the account be updated to reflect a {$0.00} balance and Settled status. 

Recently, I received a letter by mail from Bank of America stating that they reported the account as settled on XX/XX/XXXX. However, this update is still not reflected in my credit reports, and the balance continues to appear as unpaid. When I contact Bank of America, they now claim that the account is still with XXXX XXXX XXXX even though the account was clearly and fully settled months ago.

This situation is not only confusing but also completely unacceptable and damaging. Neither party is taking responsibility for fixing the inaccurate reporting, and I, the consumer, am suffering the consequences. My credit score has dropped over XXXX points, which has now prevented me from qualifying for a home loan and other lines of credit. I am being financially penalized for something that is entirely outside of my control, despite having documentation proving the settlement was completed. 

This issue was previously raised and yet the problem remains unresolved. The continued inaction reflects a severe breakdown in communication and accountability between Bank of America and XXXX XXXX XXXX. 

I am formally requesting : Immediate correction of the credit reporting to reflect a {$0.00} balance and Settled status with all major credit bureaus.

A joint investigation into the breakdown in communication between Bank of America and XXXX XXXX XXXX. 

A written explanation and resolution timeline from both entities. 

That this matter be escalated for regulatory review, given the harm caused by inaccurate reporting and lack of accountability. 

If this issue is not resolved immediately, I will be forced to pursue legal action, including filing a civil lawsuit for the financial and emotional harm caused by this negligent and misleading credit reporting. 

This situation has already gone on far too long, and I am asking for the CFPBs support to ensure that this matter is corrected fully, accurately, and permanently.

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 2025-08-05 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: VA

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XX/XX/year> XXXX XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to Equifax for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Forward Funding Group, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I responded to a promotional program advertised online by this company. The advertisement stated that customers could qualify for funding options after providing certain information. I provided all requested details as instructed. 

No money was paid to the business, but personal and sensitive information was shared with the expectation of being matched with an offer. After completing the process, I received a generic message stating that I was not matched with any offers, with no explanation as to why. 

The business committed, through its promotional advertisement, to provide program options based on the information submitted. However, there was no transparency on eligibility requirements, and the reason for denial was never provided. 

I attempted to get clarification, but there has been no clear resolution or detailed response explaining the decision. This raises concerns about the accuracy of the advertising and the handling of personal data. 

The advertisement was seen online in XX/XX/year>, and it created the impression that a legitimate promotional program was available for those who provided the requested information. Transparency and clear communication are essential, and in this case, those expectations were not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
I would like to assert that I currently do not possess a formal contract with the company in question, nor have I ever provided explicit authorization for them to access or obtain my personal information. This unauthorized action constitutes a clear violation of my rights to privacy, as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Such infringements not only breach my legal protections but also undermine my trust in how my sensitive information is handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. Please see the attached FTC report and remove the following account from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. Please see the attached FTC report and remove the following account from my credit report XXXX XXXX XXXX XXXX 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have tried to solve this issue with the hotel and my bank I was charged twice and tried to dispute the other amount with my bank I was told by the XXXX that it would fall off and go back on to my account I told them it did not so I was told to contact my bank I got a homeless lady a room for XXXX night and was charged XXXX for the room for her the lady had me insert my debit card twice which I did the and was charged XXXX and something dollars she must of entered the wrong amount on the key pad before I entered my pin I asked her will I be charged twice she said no I said ok I checked my bank account and was in fact over charged I have tried to resolve this issue with my bank and the XXXX no one is wanting to help me the XXXX said to reach out to my bank and my bank is saying reach out to the XXXX its just a back and forth issue thats draining I have tried to dispute this matter twice

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 2025-08-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 U.S Code $ 1681c-2 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 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2025-08-05 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-05 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 XXXXXX/XX/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 2025-08-05 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: NJ

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-05 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:
I am writing to formally dispute and request the immediate removal of inaccurate late payment entries reported for the months of XX/XX/2022 and XX/XX/2022 on my credit report associated with account number [ Insert Account Number ]. 



Upon reviewing my credit report, I noticed that these entries were reported as late payments, which is factually inaccurate and in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. According to the FCRA, all information furnished to consumer reporting agencies must be accurate and complete. Reporting false or misleading information, whether intentional or not, is a violation of federal law. 



In addition to the inaccuracies noted above, I would like to bring to your attention that numerous complaints have been filed against your institution with the XXXX XXXX XXXX XXXX XXXX  ) regarding similar issues. This pattern of behavior raises serious concerns about the reliability of your reporting practices. 



If you fail to correct or remove these inaccuracies within the timeframe allowed under the law ( typically 30 days ), I will have no choice but to pursue legal remedies. This may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially initiating legal action for damages caused by your negligence. 



I also request written confirmation of your findings and actions taken regarding this matter. 



Thank you for your immediate attention to this serious issue.

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 2025-08-05 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX 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 XXXX XXXX XXXX XXXX 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 2025-08-05 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint regarding Robinhood Markets , Inc. I previously held an account with Robinhood, which was permanently banned without clear explanation. Since then, I have attempted to open a new account, but the platform automatically blocks me from re-registering, even after significant time has passed and despite having no knowledge of any wrongdoing on my part. 

I have reached out to Robinhoods support multiple times requesting clarification about the ban, the specific reason for it, and whether any resolution is possible. I have received generic or unhelpful responses, with no detailed explanation or path toward reinstatement. I have not been accused of fraud, market manipulation, or any illegal activity, and to the best of my knowledge, I was in full compliance with their terms of service. 

As a consumer, I believe I should have the right to a clear explanation for the termination of my account, and the opportunity to resolve any issues, especially when dealing with a financial institution that provides access to essential investing tools. Robinhoods current approach is unfair, opaque, and damaging to my ability to participate in the financial markets.

Company response to consumer: Closed with explanation