vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2025, I sent a {$800.00} XXXX payment from my Bank of America account ending in 9748. The payment was immediately placed on hold for further review, and I received an email saying no further action was required. The next day, on XX/XX/XXXX, I received another email instructing me to call Bank of America within XXXX  days at XXXX. 

I complied and made numerous calls, but the number only provides XXXX automated menu options and never connects to a live representative. None of the options allow resolution. I also called Bank of Americas main customer service line and was repeatedly told the transfer is under review with no explanation, no escalation path, and no timeline for resolution.

The funds remain inaccessible despite the fact that ( 1 ) no sanctions or compliance issue exists with this payment, ( 2 ) it has been over 10 business days, and ( 3 ) I no longer want the payment sent and simply want my funds credited back. 

After XXXX  years as a customer, I find the lack of transparency and inability to speak with anyone unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel XXXX XXXX XXXX Email : XXXX SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  PA XXXXExperian XXXX XXXX XXXX TX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Experian Consumer Services,XXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to XXXX XXXX XXXXa). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened inXXXXmy name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder XXXX XXXX XXXX(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block inf

ormation appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Constant calls, multiple times a day, claiming I owe a debt with no legal validation of debt or legal chain of command they are authorized to collect said debt they claim I owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I have been ingored in all attempts to have collector send me verification of my obligations. I have taken up the matter with original debtor and collection agency without a suitable resolution. The original debtor is a student housing scam on young people that I co-signed with my daughter, where they forced her to sign next year 's lease XXXX  months prior to the current term 's end or they would lease her room out to someone else. She wound up moving schools, we found them a replacement tenant still XXXX  months prior to the end of her lease term, and they still charged her {$700.00} to back out. I have been fighting this ever since. The company XXXX XXXX XXXX XXXX has a long history of XXXX reviews showing shady business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 XXXX  Date : 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 Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, a representative from Tower Loan named XXXX called my personal phone and asked me to have a person I know contact them. I am not associated with this account. I do not want to provide my personal contact information. I am concerned this is an unlawful use of my personal information under the Fair Debt Collection Practices Act ( FDCPA ). I will also notify the person they were reaching out for, as this type of contact could expose your company to legal action. I request that the CFPB investigate this 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 2025-08-27 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
Subject : XXXX XXXX Freedom Mortgage Corporation USDA Guaranteed Loan Modification and Servicing Practices Loan Number : XXXX Dear CFPB, I am submitting this complaint against Freedom Mortgage Corporation regarding their handling of my XXXX  Guaranteed Loan ( Loan Number : XXXX ) and their failure to properly assist me with loss mitigation, in violation of federal mortgage servicing rules. 

Background and XXXX XXXX XX/XX/XXXX, I contacted Freedom Mortgage to request assistance with a loan modification due to financial hardship. The representative I spoke with encouraged me not to apply for a modification, stating that it would not help me. I escalated this issue to a supervisor, but no assistance was provided. 

I called numerous times in XXXX and XX/XX/XXXX seeking assistance before I defaulted on my loan. Despite my repeated efforts, I was still discouraged from applying. I believe Freedom Mortgage should have recordings of these calls, and I respectfully request that they be reviewed. 

Because of the misinformation and lack of assistance, I believed bankruptcy was my only option to protect my home. I ultimately filed bankruptcy as a last resort to try to save my house. 

In XX/XX/XXXX, I was placed on a short-term forbearance plan, but this was only temporary and left my account delinquent. 

In XX/XX/XXXX, I received a letter from Freedom Mortgage stating that my forbearance had ended and that I was not approved for permanent assistance. The letter also warned that foreclosure activity and negative credit reporting could resume. 

Regulation and Rule Violations I believe Freedom Mortgages actions violate the Consumer Financial Protection Bureaus Regulation X ( XXXXXXXX XXXX XXXXXXXX ), which : Prohibits servicers from discouraging borrowers from submitting a loss mitigation application. 

Requires servicers to evaluate borrowers who request assistance for all available loss mitigation options. 

By encouraging me not to apply for a modification in XX/XX/XXXX and stating that it would not help me, Freedom Mortgage failed to fulfill their obligations. This directly harmed my ability to obtain timely assistance, pushed me into delinquency, and forced me into bankruptcy. 

Harm Caused As a result of XXXX Mortgages actions : I was forced to file bankruptcy to try to save my home. 

My account became increasingly delinquent due to their refusal to evaluate me for modification. 

My credit was severely damaged. 

I continue to face foreclosure risk despite being willing and able to pursue a XXXX  loan modification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  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 XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against TransUnion regarding XXXX accounts that are inaccurately or misleadingly reported on my credit file. These accounts are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX XXXX account is closed and paid or settled with a {$0.00} balance. However, TransUnion continues to report derogatory statuses such as Payment after charge-off/collection, and duplicate or unclear remarks like Dispute resolved reported by grantor and Settled less than full balance appearing twice. 

Some accounts also show inconsistencies in closure dates versus last payment dates. These issues make the tradelines appear more negative than they should and XXXX violate the FCRA. Ive attempted resolution directly and am now requesting CFPB assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This Wells Fargo account was closed on XX/XX/XXXX, and has a {$0.00} balance. It is marked as Settled less than full balance, but still carries the derogatory status of Payment after charge-off/collection. 

Additionally, the remarks include Dispute resolved reported by grantor XXXX, which is a potential FCRA violation due to inaccurate or duplicate reporting. 

The last payment date is listed as XX/XX/XXXX after the account was closed suggesting an inconsistency in the reporting timeline. 

I contacted the creditor with a goodwill request to resolve this before submitting a complaint but received no reply. XXXX now asking for formal investigation and correction or removal of this tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal dispute regarding a fraudulent account that has been falsely attributed to my credit report. I have no connection to this account and never authorized its creation. Its reporting is misleading and harmful to my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the inclusion of a fraudulent account on my credit report. I did not authorize or initiate this account, and it is therefore completely inaccurate. Its presence misrepresents my financial reliability and is damaging my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2025-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: MN

Complaint narrative:
I told them The SSN XXXX  belongs to the XXXX and anything purchased with that identifier number is a obligation of the United States XXXX XXXX. XXXX. 
Means that anyone attempting to collect a debt from you is guilty of XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX. XXXX I been asking for them to send me a final payment demand or a true bill they refuse Ive got recordings I went to the branch to settle this debt by taking they bill or demand and making it a negotiable instrument in accordance with XXXX XXXX and offering a silver dollar cash for a unconditional offer they refuse so there in breach of contract there not letting me pay or send it forward to treasury and there in violation of false claims act and thats fraud all money I have paid needs to be compensated and returned they deal maritime law XXXX constitutional law bill of rights they cant take my property real property there at XXXX XXXX with the dead XXXX a natural person and there harassment trying to bring me to court I need compensation federal laws beat state codes statues please tell them billing error and I cancel all contract with them since they are in breach and it was illegal for them to bill me or trick me into signing anything when they knew it was obligation of the XXXX XXXX government

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