vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear all I had XXXX fraudulent transactions from my bank debit card on XXXX XXXX XXXXXXXX. Bank sent me push notification in the mobile App only when the XXXX transaction was happening. XXXX transactions went through and bank did not stop any before. First XXXX transactions XXXX usd each and third one XXXX usd. The last bank reversed as they suspected fraud. 

From XXXX I m trying to get any assistance from the bank to send me deposit as all my money gone and till today nothing has been done on their side. 

Bank of America, I receive my salary via this bank and my salary was stolen via these fraud transactions. I ask of immediate help please.

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 monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I continue to have ongoing communication issues with the company and get nothing but the runaround. Back at the beginning of 2025, I advised XXXX  that flood insurance was not required, so I was cancelling the policy. On XX/XX/year>, I changed carriers from XXXX to XXXX for convenience reasons. After submitting proof to CrossCountry, they assured me that this matter would be handled via messaging on their website. Today, I see on my account that CrossCountry has paid XXXX a total of {$1500.00} for flood insurance ( which is NOT required in XXXX XXXX ), in addition to paying for another year 's coverage. 
After speaking with an XXXX representative, they advise me since I have coverage with them which started on XX/XX/year>... they would bill CrossCountry directly and that the policy must be paid within 30 days. I continue to try and resolve this matter with CrossCountry to no success.

If the policy is not paid on time, I will have no choice but to spend an additional {$1000.00} to ensure that I have adequate coverage. CrossCountry has been nothing but problematic since acquiring my mortgage. There is no viable way to contact them directly. As of today the have also made a mistake on my legal last name and there no way to get resolve. I have advised XXXX of this error and and taking steps to rectify the situation. I am looking for professional intervention on this matter. The level of ineptness is so frustrating at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MS

Complaint narrative:
bXXXX XXXX XXXX MS XXXX\nEmail: XXXX\nDateXXXX XXXX XXXX XXXX\n\nTo:\nEquifax Information Services LLC\nXXXX XXXX XXXX GA XXXX\n\nTransUnion LLC\nXXXX. XXXX XXXX PA XXXX\n\nExperian\nXXXX XXXX XXXX, TX XXXX\n\nSubject: Formal Dispute of Inaccurate, Outdated, and Unauthorized Information\nReport Confirmation #: XXXX\n\nDear Dispute Department,\n\nI am writing to formally dispute several items on my credit report in accordance with my rights under the Fair Credit Reporting Act (FCRA). I am requesting a reinvestigation and correction or removal of the following accounts, XXXX XXXX inaccuracies, and unauthorized hard inquiries:\n\nDisputed Accounts\nXXXX XXXX (Acct Ending in XXXX)\n\nStatus: Charge-off\n\nIssue: Previously disputed; remains inaccurately reported.\n\nXXXX XXXX (Acct Ending in XXXX\n\nStatus: Charge-off\n\nIssue: Outdated balance and delinquency history.\n\nXXXX XXXX XXXX (Acct Ending in XXXXn\nIssue: Conflicting balance and charge-off information.\n\nXXXX XXXX (Acct Ending in XXXX)\n\nIssue: Negative status with no updated activity; accuracy in question.\n\nXXXX XXXX (XXXX XXXX\n\nAccounts Ending in: XXXX XXXX XXXX XXXX\n\nIssue: Closed/paid but still listing 90-150 day delinquencies from XXXX These entries are outdated and misleading.\n\nDept of Ed / XXXX\n\nAccounts Ending in: XXXX XXXXn\nIssue: Deferred loans still showing residual dispute remarks. These are no longer applicable and should be removed.\n\nHard Inquiry Disputes\nMy credit report lists 78 hard inquiries, several of which I did not authorize. I request deletion of any inquiries that cannot be verified with proper consent documentation.\n\nExamples of unauthorized inquiries include, but are not limited to:\n\nXXXX XXXX Inc  Apr XXXX XXXX\n\nXXXX  XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX and XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\nUnknown  XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\n\XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX\n\nClosing Statement\nIn compliance with the FCRA, I request a full investigation of the items listed above. If the accounts or inquiries cannot be verified within 30 days, they must be deleted or corrected. Enclosed are copies of the relevant pages from my credit report highlighting the disputed items.\n\nThank you for your prompt attention to this matter. Please respond in writing with the results of your investigation.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by reinserting a previously deleted account onto my credit report without proper notice or legal certification, and by failing to provide accurate, verifiable information. 

Background I previously disputed a XXXX XXXX account appearing on my Experian credit report. As a result of that dispute, Experian removed the account from my credit file. However, without providing me with the required written notice or verifying the accounts accuracy, Experian reinserted the same XXXX XXXX account, which is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ).

To date, I have not received any written notification from Experian within five ( 5 ) business days of the reinsertion, as required by law. This accounts reappearance without notice constitutes an unlawful reinsertion under federal law.

FCRA and Regulatory Violations FCRA 15 U.S.C. 1681e ( b ) : Experian failed to maintain reasonable procedures to ensure the maximum possible accuracy of the data they report.

FCRA 611 ( a ) ( 5 ) ( B ) : Experian reinserted deleted information without certifying its accuracy or providing proper written notice.

FCRA 611 ( a ) ( 7 ) : I was not provided a description of the reinvestigation or verification procedure used for reinsertion.

Additionally, XXXX XXXXXXXX XXXX unverifiable response stating that the account was " verified '' is insufficient. I was not provided any documentation or substantiating evidence to justify the reinsertion, and no copy of any signed agreement or detailed accounting of the alleged debt was produced.

What I Am Requesting I am asking the CFPB to take immediate regulatory action to : Permanently delete the reinserted XXXX  XXXX account from my Experian credit report. 

Demand full documentation from XXXX XXXX proving the accuracy and authorization of the account. 

Require Experian to explain why the account was reinserted without proper FCRA-mandated notice.

Ensure future compliance with FCRA and Metro 2 standards from both Experian and XXXX XXXX. 

This reinsertion is a harmful and illegal action that has negatively affected my credit standing. I respectfully request the CFPB 's intervention to ensure that this matter is resolved in accordance with the law.

Thank you for your assistance.

Sincerely, Attachments : CFPB Complaint History Showing Verified Status from XXXX  XXXX Credit Report Showing Reinsertion Government ID and Proof of Address

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 2025-04-18 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Between XXXX, I was enrolled in COVID-related forbearance with Rocket Mortgage. On XX/XX/XXXX, Rocket executed a loan modification that increased my principal balance from approximately {$510000.00} to {$570000.00}, created a deferred non-interest-bearing balance of {$20000.00}, and extended my term from XXXXXXXX XXXX XXXX months. This change effectively doubled the length of my loan without reducing my monthly principal and interest payments. 

Despite this substantial restructuring, Rocket failed to provide : A Truth in Lending Act ( TILA ) disclosure showing the revised APR, finance charges, or total of payments across the XXXX term ( required under 15 U.S.C. 1638 ( a ) ) ; A full amortization schedule to reflect the restructured debt ; A line-item breakdown showing how the combined $ XXXX increase in unpaid principal and deferred balance was calculated ; Any documentation establishing that the modification was implemented in accordance with XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX waterfall guidelines XXXX or any investor-specific COVID hardship relief framework. 
Although Rockets own response ( XX/XX/XXXX ) admits no amortization schedule was included and confirms capitalized balances of {$60000.00} in XXXX and {$20000.00} in XXXX, no reconciliation ledger or substantiating documentation was provided showing escrow advances, interest accruals, or unpaid fees. 

On XX/XX/XXXX, I submitted a formal written request to Rocket Mortgage ( a QWR and Notice of Error under RESPA ), asking for documentation required under 12 CFR 1024.35 and 12 CFR 1024.36. As of this filing, no response has been received. I am supplementing this complaint to note the companys failure to provide federally required disclosures and request the following : A TILA-compliant disclosure showing full loan cost post-modification ; The full amortization schedule used to calculate the XXXX structure ; A detailed accounting of capitalized interest, escrow advances, and unpaid amounts ; Confirmation of the investor and program used to authorize a XXXX modification ; Assurance that these actions did not violate RESPA or constitute deceptive servicing practices under UDAAP standards. 
This unresolved modification is the root cause of further servicing issues with XXXX XXXX ( now escalated in a separate complaint ), including improper payment application and delinquency claims tied directly to the capitalized balance and term extension initiated by Rocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: KY

Complaint narrative:
This is a follow-up complaint regarding the unresolved issue in complaint # XXXX. 

On XX/XX/XXXX, I sent a physical dispute letter to Equifax with evidence supporting my claim of unauthorized hard inquiries. I also submitted my ID, proof of address, and a detailed list of the disputed inquiries ( same as in the initial CFPB complaint ). 

On XX/XX/XXXX, Equifax mailed me a generic response without conducting a proper investigation or providing any verification or documentation of authorization for the disputed inquiries. This contradicts their obligations under the Fair Credit Reporting Act ( FCRA ), particularly Section 1681b, which requires a permissible purpose and written consent for such inquiries.

Equifax did not provide any proof that I authorized these inquiries, nor did they contact me for clarification. Instead, they sent a pre-written response stating that inquiries are a matter of fact, completely ignoring the context and evidence submitted.

I am now formally requesting that the CFPB escalate this complaint and require Equifax to provide documentation showing that I authorized each of the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If they can not provide signed authorization or a permissible purpose, these inquiries must be removed.

This is affecting my credit and my right to privacy. I respectfully request immediate intervention and resolution by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account XXXX : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: HI

Complaint narrative:
I had a cash app account and apparently I did some things to violate the terms of conditions or their terms of rules or regulations or whatever so they closed my account now prior to this. I had a open dispute and after they told me my account was closed for me to retrieve my funds to close the account which I did so it detached my phone number and my email address from the account then two days later I get an email stating that I won my dispute and they deposited {$100.00} in this account that they had closed so I called them and I was like listen. I just want my money. Its fine if you guys dont want me to you know, use your services anymore, but just like every bank or institution, even if you violate the terms of conditions or whatever they still close your account and then they cut you a check if you have money in there well despite it, everyone that Ive spoken to in the appeal that I did I lost the appeal so they said since I lost the appeal I can not regain access while XXXX not trying to regain access. I just want you guys to send me my money theyre like well theres nothing further. We can discuss about the situation. If you have anything else you would like to discuss we can discuss that so theyre totally dodging The fact that I just want my money. They wont even specify well were not gon na send you your money they wont say that they just say theres nothing they can do. Theyre not gon na talk about that anymore. Theres nothing they can do so now moving forward if theres anything else I need and its ridiculous that XXXX dollars belongs to me it does not belong to them. They could mail it to the addresses associated with that account that they closed. They wont do any of that and I dont understand how people can just hold your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Charge-Off Entry on Credit Report No 1099-C Issued Dear XXXX, I am writing to formally dispute the validity of a charged-off account listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This company has since closed and ceased operations. Furthermore, despite the account being charged off and the amount exceeding {$600.00}, I have never received a Form 1099-C as required by the IRS under circumstances of debt cancellation. Without such documentation, I am unable to determine whether the debt has been legally canceled or forgiven, and this raises questions about the accuracy and compliance of the reporting.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1.Verify the accuracy and legitimacy of this charge-off entry, 2. Provide documentation of debt validation and the associated cancellation details, or 3. Remove the account entirely if verification is not possible due to the company being closed and lack of IRS reporting.

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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