vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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:
Please Delete these Fraudulent inquiries from my credit report. I have included the identity theft report as well as my ID, SSN and Passport. 

XXXXXXXX XXXX Date of inquiry XX/XX/year> XXXXXXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Hello good afternoon. My name is XXXX XXXX. I live at the property at XXXX XXXX XXXX, XXXX, XXXX  XXXX. I would like to go ahead and file a complaint against PHH Mortgage. Im in the middle of a loan modification which was approved. Now its been denied because they are saying that they are having issues with the title the underwriter and the title department can not get the clearance That is needed to get this procedure done. I have been in constant communication with this company for the past six months, trying to get my loan modification process done and approved and finalized. This is the third time now that I have gone into this process and they denied me once again. After approving me. None of this is making sense after they have taken three months of my payments ( plus they haven many many more payments ) on the mortgage assistance program and then send me the final packet to get the loan modification process approved and done the first time that I got the loan modification. They canceled it and reset it without my approval. The second time I forgot to make the trial payment and it was canceled so I have applied for a third time now for mortgage assistance and was approved. Made my three payments and was supposed to be approved for a loan modification/forbearance. I dont know exactly what to do. I have done everything in my power to stay in constant communication with them via email and phone. I signed the loan modification paperwork before any of this was denied so its not making any sense to me. Im going to need some help Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WY

Complaint narrative:
I received a call on XX/XX/XXXX that stated my loan account was past due. I have been making the required monthly payments since XX/XX/XXXX and have never received a call or notice about past due amounts. I called Aidvantage and they stated that 2 of my loans were not included in my autopay, however, on my account page it clearly says they are. Every time I mention this Im placed on hold for 15+ minutes and there has been no resolution. No one will respond to this and theyve been giving me the runaround. Im concerned that I paid them an extra amount that I didnt have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Company : Capital One Auto Finance Issue : Identity Theft/Fraudulent Account Complaint : I am a victim of identity theft and am disputing a charged-off auto loan account with Capital One Auto Finance XXXX I did not authorize, open, or use this account. The FTC Identity Theft Report I filed ( # XXXX ) details the fraudulent activity. Capital One has refused to remove the account despite multiple disputes. I request that this account be permanently deleted and blocked from my credit reports. I HAVE NEVER BEEN AFFILIATED WITH CAPITAL ONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
Upon checking my credit report I noticed some fraudulent account. Please remove these account from my credit report as it hurt my ability to obtain credit.

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 2025-06-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

Account name : XXXX XXXXXXXX Account # : XXXX * * * * * * Account name : XXXX Account # : XXXX * * * * * * * * * * Account name : XXXX Account # : XXXX * * * * * * * * * * Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX * * * * Account name : XXXX FIN AM Account # : XXXX * * * * * * * * I looked at my Experian credit report and on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 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: NC

Complaint narrative:
I am a victim of identity theft, someone has stolen my information and opened up several cell phone or internet accounts, credit cards etc.

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 2025-06-21 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:
I am a victim of identity theft, someone has stolen my information and opened up several cell phone or internet accounts, credit cards etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
This letter is a formal dispute of inaccurate and unverifiable information appearing on my credit report as provided by your agency. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which grant me the right to dispute inaccurate information and request verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-21 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: IL

Complaint narrative:
On XX/XX/year>, someone accessed my Cash App account without my permission and attempted to withdraw {$800.00}, but that transaction was denied. Right after that, three separate unauthorized transactions were processed {$200.00}, {$400.00}, and {$200.00} all sent to the same recipient. 

I did not authorize any of these payments. I believe my account was compromised, and I reported this to Cash App. Despite explaining the situation, my claim was denied without a proper investigation or explanation. I was told nothing more could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: 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, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
Subject : Complaint Regarding Inaccurate Information Reporting and Lack of Resolution Description of Issue : I am writing to formally submit a complaint against Lexis Nexis regarding inaccuracies in my credit report, specifically with the information provided to a third-party reporting agencyXXXX XXXX XXXX XXXX  and XXXX. Despite submitting multiple disputes and complaints regarding the erroneous information, the company has failed to resolve the issue or delete the inaccurate entries. 

Details of the Incident : Date of Dispute Submission : XX/XX/year> Date of Company Response : XX/XX/year> Nature of Discrepancy : The incorrect reporting includes Names, Numbers, dispute, e.g., an incorrect address, account status, or payment history. 

Action Taken : I have contacted the company and submitted supporting documentation to prove the inaccuracies. Additionally, I have reached out to Lexis Nexis on XX/XX/year>, requesting the deletion of the incorrect entries. 

Despite these efforts, the company has failed to delete or correct the inaccuracies in my report. The incorrect information continues to be reported, which is having a detrimental effect on my credit score and financial standing. 

Requested Resolution : I am requesting that Lexis Nexis take immediate corrective action, including : Correcting or removing the inaccurate information from my credit report. 

Providing a formal response detailing the steps taken to resolve the issue. 

Ensuring that any future reporting is accurate and compliant with all applicable consumer protection laws. 

Additionally, if the issue is not resolved promptly, I will consider pursuing further action, including reporting this matter to the appropriate regulatory authorities. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I discovered that my U.S. Bank XXXX XXXX XXXX XXXX was no longer functioning for transactions or payments. Attempts to make payments through the app and website returned error messages. I contacted U.S. Bank on XX/XX/XXXX, and was informed that my account had been temporarily closed, but I could not be assisted further as the verification department was unavailable due to the XXXX  XXXX. 

I called again on XX/XX/XXXX, and was told by a representative that my account had been placed under security review and was permanently closed due to being flagged as a " higher risk. '' No prior notice, communication, or opportunity to respond or remedy any alleged issue was provided. I also did not receive any formal adverse action notice as required under Regulation B. 

My primary concern is that this closure appears to be timed in a way that prevented me from fully redeeming the points I earned under the cards unlimited 2 % cashback promotional offer. While I was able to apply some of my reward points as a statement credit, attempts to redeem them directly as a deposit into my U.S. Bank checking account as advertised failed repeatedly with system errors. I believe the closure may have been intended to avoid fulfilling the advertised cashback terms. 

U.S. Bank prominently markets this card as offering unlimited 2 % cashback on every purchase with no caps, yet they closed my account after significant spending that complied with all published terms. The cards disclosures do not identify any limits or restrictions on spending categories relevant to my use. I also had over {$100000.00} in qualifying balances with U.S. Bank, which made me eligible for the full advertised 4 % rewards further incentivizing my card usage. I attempted to obtain the full cardmember agreement to verify any potential restrictions, but I was blocked from accessing it online due to my account closure, and the relevant department was unavailable over the weekend and holiday. 

I believe the banks actions constitute deceptive advertising and unfair treatment, and I am seeking regulatory review of their practices. I am also requesting full explanation and documentation of the adverse action.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo I XXXX money for goods and services and did not receive the goods and Wells Fargo does not want to give me my money back

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