vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I called Mr. Cooper on XX/XX/XXXX and spoke to XXXX. She informed me that I couldnt receive a loan modification because they could not lower my payment. My loan went from a 30 year loan to a 15. It was kept at the same interest rate but it effectively doubled my payment. I struggled for over 3 years making that payment now they say that they cant lower the payment. They have not asked for any documents or willingness to work with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, a {$200.00} balance from my XXXX XXXX account was placed with Credence Resource Management for collection. I was never contacted directly by XXXX about an overdue balance, and I never received any written or emailed notice from Credence. The only attempted communication from Credence was through phone calls from unfamiliar numbers, which I could not identify as theirs. I was never properly informed about the overdue balance or my right to dispute the debt. 

During this same period, I was hospitalized in a XXXX XXXX and was unable to return to school, where the XXXX XXXX account was being used. Because of this, I was especially vulnerable and unable to monitor accounts closely. Without proper notification, I had no fair opportunity to resolve the balance before it was reported as a collection. 

I discovered the collection only after reviewing my credit report in XX/XX/XXXX. I immediately paid the balance in full on XX/XX/XXXX, but the collection account remains reported, causing significant damage to my credit. 

I am requesting that this issue be reviewed, as the lack of proper written notification deprived me of my rights under the Fair Debt Collection Practices Act ( FDCPA ). At minimum, I ask that the credit reporting be corrected to reflect that I was not given the required notice. Ideally, I am requesting that the collection account be removed from my credit reports entirely, since I was not given fair opportunity to resolve the balance before it was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$31000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Jacob Law Group, PLLC
State: TN

Complaint narrative:
Hello I had a XXXX XXXX XXXX  credit card that went into collections with XXXX Funding who I suppose retained XXXX XXXX whom hired Jacob Law Group PLLC to collect and settle account. I reached a settlement with Jacob Law group who issued the settlement on behalf of XXXX XXXX. The settlement proposal letter issued was to be paid in the amount of {$4100.00} on XX/XX/XXXX. I was in communication with XXXX letting them know due to the holiday it would get there by XX/XX/XXXX. The rep assigned to my file name was XXXX and she stated that would be fine. Jacob Law group received the check on XX/XX/XXXX. Since this time Jacob Law group has closed the file sent it as settled in full, Im presuming, back to XXXX XXXX, informing XXXXXXXX XXXX and yet have not provided me with a receipt of payment nor a settled in full letter. When I call Jacob Law Group to inquire about when I will receive a paid and settled letter I am receiving the run around from customer service and no one is giving me an estimated time when I will receive and I am confident in knowing they are not trying to provide these legal documents that is to be given after a settlement payment has been received on an account and especially after they have closed the file in their office. I have no acknowledgment of payment and it being settled in writing from this law firm of this account being settled which isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-16 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-16 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: CA

Complaint narrative:
I have a Wells Fargo account and i had money but when someone sends me money through XXXX it should be instant, Wells Fargo has again and again withheld my XXXX funds. I had a friend XXXX me {$40.00} on XX/XX/XXXX and why is it barely hitting my account as of yesterday, XX/XX/XXXX? This is not the first time but this is the most recent time and XXXX extremely annoyed of this constantly happening my and funds being withheld through a service that is supposed to be instant transferring. I already have had money in my account and my funds still are withheld and it should not be for over a week. XXXX is instant. And for XXXX XXXX it should be XXXX days and its been multiple times where they wait for more than XXXX days. And then they hold it and stack charges on top of it so I basically never got the money.

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 2025-09-16 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: GA

Complaint narrative:
This complaint is submitted intentionally and with urgency. My credit report contains multiple inaccuracies that can not be verified as accurate and are actively harming my financial standing and personal well-being. These errors have lowered my credit score and are causing real hardship ; I will not accept misinformation on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
I have an account with CashApp, and I've been trying to get my funds from them. About three years ago, more or less, I was sent {$500.00} from a friend of mine, XXXX XXXX, for {$500.00}, and I tried to access that account, but I couldn't because my phone was turned off, so I had no access to that phone number, and I had forgotten my email, so I couldn't get into that email either. I've made several accounts in attempts to do everything they've asked about verifying who I am, both my identity, with sending pictures of me, and holding my ID, my bank accounts, my cards. I've done everything they've asked. They said there's still a security breach, so they will not send me my money. I have three accounts with money on them, {$500.00}, {$160.00}, and then {$50.00}, and they will not give me my money. 
At the time due to not being able to get my funds i wasn't able to pay my rent and was made homeless with my XXXX  who was XXXX. 

I have had the worst past few years since to say the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I fell down and broke my knee at work. I called and asked for an extension on my payments or put back onto a payment plan so that I did not keep occurring these charges because I was unable to make the minimum payment I ended up finding the money to make the payment and was told on the phone after I called and let them know that I fell and broke my knee and I need some assistance. I was told that there is no assistance and then asked for a copy of my medical records which I found very unusual for a credit card company to ask for a copy of my medical records. Why would you do that? Thats a violation of my personal privacy thats breaking HIPAA I dont know you from XXXX and XXXX and why should I send you my hospital information and then when I told him that he was also on a recorded line, he hung the phone up on me called again. Ive made several complaints. I havent gotten anywhere got yet another charge. It was XXXX now its XXXX and its just gon na keep going up because I cant afford to make the minimum payment right now. Im out on Workmens Comp .. Its been two months. Im still waiting for proper payments from my company. Im just asking for help any kind of help please I cant keep going into a more of a financial hole that I am unable to get myself out of. I will gracefully add my Mri report. Please take my name and everything else out of this report. I just want to prove and validate. Im not a liar. Im not trying to gain the system. Im just trying to ask the system to help me when nobody else is helping right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$78.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is submitted intentionally and with urgency. My credit report contains multiple inaccuracies that can not be verified as accurate and are actively harming my financial standing and personal well-being. These errors have lowered my credit score and are causing real hardship ; I will not accept misinformation on my record.

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 2025-09-16 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: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I hope this message finds you well. I am writing to formally asking for dispute charge for the item I DIDNT use due to the merchant couldn't use which I purchased from XXXX Company XXXX On XXXX XXXX, the date I intended to use this pass voucher, they didnt be able to use the voucher for XXXX XXXX to scan/ redeem for me as customer to use, which forced me to repurchase the same identical tickets with XXXX XXXX the same amount {$300.00}. I tried to call/contact XXXX customer right away, and also attempted to repurchase with XXXX for the same item on XX/XX/XXXX, however XXXX never XXXXesponded. They have no customer service on the call or online. On top of this difficult using the ticket, I have XXXX small children with me waiting in the hot sun crying. 

Despite opening a claim with my credit card right away on XX/XX/XXXX for this unusable item, Synchrony bank refund - {$300.00} on XX/XX/XXXX. However, I got charged the same amount again from XXXX for {$300.00} on XX/XX/2025. 

I kindly ask you to dispute my purchase of {$300.00} for unauthorize item, XXXX redeemed my voucher as used the next day without my permission. I have a proof of purchased the same ticket with XXXX XXXX on XXXX XXXX for exactly same names as customer. 

I also contacted XXXX XXXX, they said I have to reach out to Synchrony credit card company. XXXX company keeps denying me and trying to charge me back again. 

I have always been a good customer and consistently pay on time. I kindly request your understanding and assistance in reviewing this charge and issuing refund as the service was not accessible as promised. 

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

Best regards, 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