vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
They been reporting me behind on House Payments for XXXX  years or more. I miss A payment in XXXX, they been reporting me behind to all three creditors. I have been behind. This enables my credit score to grow which effectively prevents me from financial growth for my family

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to express my concern and formally request a review regarding the unexpected closure of my personal and business banking accounts, as well as the termination of my Chase XXXX Credit Card account. 
Recently, I was notified that my accounts with Chase were closed without any prior warning, detailed explanation, or stated reason.

These closures have come as a complete surprise to me, especially considering my long-standing positive history with Chase. I have maintained all of my accounts responsibly, with consistent deposits, timely payments, and no record of overdrafts, charge-offs, or unusual activity. My Chase XXXX Credit Card was always paid on time, and I never exceeded my credit limit. 

The sudden closure of my accounts has caused serious disruption to both my personal finances and my business operations. My business relies on Chase for transactions, payroll, and vendor payments, and the credit card provided essential working capital. Losing access to these accounts without any explanation has created significant hardship and uncertainty. 

I am requesting a full review and clarification regarding the reasons behind these closures. If there were any issues or misunderstandings, I am more than willing to cooperate fully to resolve them. My intention is to maintain a positive and transparent relationship with Chase, as I have always valued the professionalism and trust associated with your institution Given my strong account history and consistent positive standing, I respectfully ask that Chase reconsider the decision or at least provide a clear explanation so that I may understand and address any concerns appropriately. 

Please confirm receipt of this appeal and advise me on the next steps or any additional documentation needed to support my case. I appreciate your time and understanding, and I hope we can reach a fair resolution that allows me to continue banking with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the unprofessional conduct of XXXX of your agents and to urgently request confirmation of a payment made on Wednesday, XX/XX/year> at approximately XXXXXXXX XXXX XXXX. I was told I would receive confirmation of payment between XXXX hours I followed up with a phone call today to NCS to get specifics around the timing of the confirmation receipt. I require this official confirmation immediately to finalize a time-sensitive housing transaction and avoid incurring a penalty fee. 

On Thursday, XX/XX/year> at approximately XXXXXXXX XXXX XXXX, I called to clarify the XXXX timeline and confirm the payment. 

First Agent : I spoke with XXXX XXXX ( Agent ID unknown ). When I attempted to explain the time sensitivity of my request and the need to confirm the XXXX calculation ( starting Thursday morning vs. XXXX calendar hours ), she transferred me to a supervisor without resolving the basic inquiry and while expressing agitation. There was no attempt to hear what I actually needed. 

Supervisor Misconduct : I was then transferred to Supervisor XXXX XXXX. As I attempted to clarify my urgent need for the confirmation to avoid a housing penalty, XXXX XXXX repeatedly interrupted me, cut me off, and ultimately hung up on me while I was still speaking. 

This conduct is unacceptable and directly contradicts the standard of " honest, professional and calm '' behavior your recorded line encourages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I, as the individual consumer, am submitting this complaint because Experian, Equifax, and TransUnion continue to report a charged-off / profit-and-loss write-off account as collectible debt, even after being notified on XX/XX/year> through prior CFPB complaints. A charge-off is a non-collectible event under IRS guidance and should not be reported as collectible debt. A charge-off may require a Form XXXX to be issued to the consumer and reflects income to the creditornot a continuing debt obligation. 


Additionally, the same account is the subject of active litigation in the United States XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed XX/XX/year>. The CRAs have ignored the dispute, failed to mark the account as disputed, failed to remove the account under FCRA 605 ( a ) ( 2 ) and failed to conduct a lawful reinvestigation under FCRA 1681i. 

This complaint is being filed to request CFPB intervention and ensure that all CRAs correct and remove the improper reporting of charged-off information. 

CFPB Complaint Numbers previously filed : XXXX ( Experian ) XXXX ( Equifax ) XXXX ( TransUnion ) Please see the attached documents. I have also included my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a valid settlement check into my Citibank account. Shortly thereafter, Citibank froze my account without providing a clear explanation. Subsequently, Citibank sent an email stating that I had violated the terms of the account. The email also indicated that all Citibank accounts under my name would be closed within 60 days and would no longer be eligible for deposits or credits. 

Citibank has not provided written notice of the specific term or rule that I allegedly violated, which is required under Regulation E and standard banking regulations. No fraud, misconduct, or suspicious activity has been explained to me. 

My funds are being restricted without justification. I believe this action is improper and may involve discriminatory treatment. I am requesting an immediate investigation, the release of my legitimately-owned funds, and a written explanation of Citibanks decision.

I also request enforcement to ensure that Citibank complies with all federal consumer protection requirements. 
What term I allegedly violated What triggered the account restriction Why my settlement check could not be verified with Bank listings of other Bank information. 
Why deposits and credits are now being blocked and the threats of closing my account. 
Why do I need to contact the Issuers 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 explanation
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
To whom it may concern : My name Is XXXX XXXX my loan number is XXXX, i decided to submit this complaint because i feel discriminated. I have attempted to modify my loan for a couple years now with no success. Ive submitted all documents that I have ask for and so far nothing has been done. I am at the verge or losing my home i am XXXX XXXX XXXX have no where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My account got restricted completely after I tried to withdraw a leftover {$12.00} into my bank account but I had deposited it from my debit card linked to that account and I guess it marked it as suspicious cause I hadn't use that money to invest because I was only buying options I have a total of {$430.00} in my account. I've tried contacting support but the usual quick live support chat has been disabled for me and only option is to join a queue to be called but im still in the queue and haven't gotten any call at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These items may not be accurately reflecting my credit history and I am requesting an investigation to verify their correctness and proper reporting. 

Charged Off Accounts : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} Inquiries : None Positive Accounts : None Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am writing to dispute the accuracy of information appearing on my TransUnion and Experian credit file regarding a Revolving Charge Account opened on XX/XX/XXXX, closed on XX/XX/XXXX, and reported with a Pay Status : Sold ; was Charged-off. 

This account is being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), which require consumer reporting agencies to maintain maximum possible accuracy of credit information. 
The balance is listed as {$0.00}, indicating no money is owed. However, the Pay Status Sold; was Charged-off implies there is an outstanding delinquency or loss, which is contradictory and misleading. 
If the account was sold or transferred, the original creditor should no longer be reporting an active charge-off or payment status under FCRA 623 ( a ) ( 2 ).

The terms Paid Monthly and Sold/Charged-off conflict, since an account can not simultaneously be active for payment and written off as a loss. 
The Date Updated : XX/XX/XXXXXXXX  suggests ongoing activity on a closed, XXXX-balance account, which is inconsistent and may negatively affect my creditworthiness. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this account. Please verify all information with the data furnisher. If the creditor can not provide documentation validating the charge-off or the current reporting status, this account must be corrected or deleted entirely from my TransUnion and Experian credit file. 

Please provide me with : 1. The results of your reinvestigation, 2. The name, address, and contact information of the furnisher, 3. A corrected copy of 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX  has continued to report a bankruptcy record ( Case No. XXXX ) using a verification source that is impossible, unlawful, and explicitly contradicted by the evidence. XXXX reinvestigation letter states that it obtained and verified the record through LexisNexis, even though my LexisNexis consumer file is under an active Security Freeze, documented in writing and legally prohibiting any release of information to third parties. It is impossible for LexisNexis to have transmitted any data to XXXX under a freeze, making XXXX verification false, fabricated, or the result of unlawful access. This violates FCRA 1681e ( b ), 1681i ( a ), and 1681b ( a ) ( 2 ). 

Furthermore, the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to LexisNexis, XXXX, or any consumer reporting agency for credit-reporting purposes. This means XXXX  relied on a non-furnisher, a frozen file, or an unauthorized data source. The combination of ( 1 ) a Security Freeze violation, ( 2 ) false verification, and ( 3 ) reliance on a non-furnisher source constitutes a serious breach of federal consumer-protection law, data security obligations, and reinvestigation requirements under the FCRA. 

I am attaching my formal NOTICE OF DATA BREACH, UNLAWFUL ACCESS, AND FALSE VERIFICATION, along with the LexisNexis Security Freeze confirmation, the Bankruptcy Court letter, and XXXX reinvestigation response. These documents demonstrate that XXXX claimed verification source is impossible and unlawful, and that the bankruptcy record must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am disputing inaccurate reporting on my XXXX credit report related to an Affirm account. Affirm is reporting an incorrect past-due status and re-aged delinquency date. The account is being shown as past due as of XXXX XXXX which is not accurate and is not consistent with the actual history of the account. This appears to be improper re-aging, which violates the Far Credit Reporting Act ( FCRA 623 ).

I submitted a dispute to XXXX requesting that they verify the date of last payment, the past-due date, and the basis for reporting the account as currently delinquent. XXXX closed the dispute without conducting a proper investigation and without providing verification from Affirm as required under FCRA 611. 

I specifically requested verification and documentation supporting the reported dates and status. XXXX  did not provide this information, did not correct the inaccurate reporting, and did not explain why the account is showing a recent past-due date that is not accurate. 

The incorrect reporting is harming my credit scores and affecting my ability to qualify for a mortgage. I am requesting that the CFPB require XXXX and Affirm to conduct a proper investigation, correct the inaccurate information, and provide documentation supporting any information they choose to continue reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: OH

Complaint narrative:
XXXXXXXX XXXX a division of Midfirst Bank mailed to me a check in the amount on {$3900.00} for extra funds that were in my account after I refinanced with another lender. After depositing the check I was notified 2 days later by my bank that XXXX issued a stop payment on the check without giving any warning to me that the check wasnt good to deposit. I essentially spent funds that I didnt have at the time for a bathroom upgrade and since this incident have been in financial strain. XXXX has accepted no accountability for this and provided no explanation, despite numerous attempts to resolve the matter

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 2025-11-13 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a house as well as getting a reliable car for my family. I am a single mother trying to create the best life for my son and I understand that it starts with me providing and maintaining a happy, healthy environment for him to thrive in. Please remove these fraudulent accounts from my credit report 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 2025-11-13 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: AZ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief