vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I was approved for a modification in XX/XX/XXXX. I successfully completed my trial on XX/XX/XXXX and turned in all the paperwork signed and notarized. After calling lakeview i asked if i had to give a payment in XXXX since my phone app already had the new modifiedification and it said i had a due date of XX/XX/XXXX. The agent said that I did not have to give a payment for me to wait until XX/XX/XXXX, I was receiving multiple calls from lake view advising me I owed XXXX when I constantly advised them I already had completed my modification and I have a new contract already in place and I had already given my first payment in XXXX. Agents kept mis informing me, I even got supervisors involved and they admitted it was miscommunication in there part. I went to the app on XX/XX/XXXX to give XXXX payment and it did not let me because it said my modification was rejected. I spoke to Agent " XXXX '' and she said modification was rejected because I did not give XXXX payment on the XXXX. I advised her that my modification was completed back in XXXX. So she submitted a new modification application. I find it inconvenient for my modification to still be pending when I was informed it was completed. This is jeopardizing foreclosure for me and my family when there was always miscommunication about the modification. I don't think its fair they rejected my modification after it was said it was already completed. They gave me new interest rate my payment of XXXX dropped to XXXX, so if it was in process how would I know this? Please help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX XXXX XXXX denies to report accurate balances, over reporting by 80 % pf the credit limit, XXXX even with proof of balance denies to correct for more than 90 days both

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 2025-05-10 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 HAVE BEEN AFFECTED OF TRAFFICKING 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 TRAFFICKING. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am writing to inform you that I did not authorize this inquiry, nor did I initiate any application for credit or service with the aforementioned creditor that would justify such an action. I have no knowledge of any legitimate reason for this inquiry to exist on my credit report. 


The presence of this unauthorized inquiry is potentially damaging to my credit score and raises serious concerns about potential identity theft or fraudulent activity. I am entitled to an accurate and fair credit report, as guaranteed by the Fair Credit Reporting Act ( FCRA ).

I demand that you conduct a thorough investigation into this matter and provide me with written confirmation that the unauthorized inquiry has been permanently removed from my credit report within ten ( 10 ) business days of the date of this letter.

Failure to comply with this demand will leave me with no alternative but to pursue all available legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating legal action to recover all damages incurred as a result of this inaccurate reporting. 


I expect your prompt attention to this serious matter. Please provide written confirmation of the inquiry 's removal to the above address. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a follow-up to my prior CFPB complaint against Chase regarding fraudulent transactions on my Chase credit card account. Chases response was unsatisfactory and contained false statements. I am now submitting a new complaint due to the banks failure to address my concerns truthfully and in good faith. 
1. False Statement About Transaction Validity Chase claimed I " notified '' them that a transaction dated XX/XX/XXXX for {$2.00} at XXXX * XXXX XXXX was valid. This is entirely false. That charge was not included in my initial fraud claim only due to an oversight by the Chase agent who helped me start the claim. When I noticed this omission, I explicitly called Chase to correct the error and reported this charge as fraudulent. 
XXXX. No Benefit Received From Fraudulent Charges In the response letter, Chase stated that I received benefits from the remaining transactions. That is completely untrue. I did not authorize or benefit from any of the disputed charges, most of which occurred in XXXX XXXX XXXX while I was in XXXX, and my card had already been reported lost. 
XXXX. Misleading Statement About Prior Fraud Claims Chase claimed that I have " an extensive history of reporting fraudulent charges. '' This is misleading and factually inaccurate. I lost my Chase card once in XX/XX/XXXX. A Chase representative even confirmed to me that their system erroneously showed XXXX separate losses in XX/XX/XXXX, even though only XXXX occurred. This was likely due to their own internal processing issuethey reissued my card twice for the same fraud incident. Chases claim of a pattern is unfounded and appears to be an attempt to discredit me. 
XXXX. Inconsistent and Unprofessional Communication As described in my previous complaint, Chase repeatedly promised call-backs regarding my claim and then failed to follow through on every single one. Their explanation that a scheduled call was canceled due to escalation does not excuse their failure to contact me as promised, nor does it resolve my fraud dispute. 

I request that CFPB investigate Chases mishandling of this fraud claim, including : Their false claim that I validated a fraudulent transaction Their refusal to reinstate credits for clearly unauthorized charges Their reliance on internal errors to argue that I have a pattern of fraud claims Their failure to provide timely communication or resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Against : TransUnion, LLC Subject : Unexplained Credit Score Drop and Suspected Re-Aging of Closed Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against TransUnion, LLC regarding an unexplained and significant drop in my credit score. On or around XX/XX/XXXX, my TransUnion XXXX XXXX credit score dropped XXXX points, with no corresponding changes reported on my credit file. XXXX XXXX, which monitors my TransUnion data daily, states that there were no recent changes, and yet the score plummeted without explanation. 

I suspect this score drop may be related to the XXXX XXXXXXXX XXXX  account ( opened XX/XX/XXXX ), which I previously disputed due to potential re-aging and outdated reporting. I have not opened any new accounts, missed any payments, or changed my credit behavior in a way that would justify a nearly XXXX drop. I did have a single hard inquiry from XXXX on XX/XX/XXXX, but this would not reasonably cause a score drop of this magnitude. 

I believe TransUnion is either : Silently re-aging a previously negative account, or Manipulating the scoring model without transparency, resulting in misleading consumer data and potential FCRA violations. 

This score drop has harmed my ability to seek financing and has created emotional and financial stress, especially given that Equifax increased by XXXX points during the same period, indicating positive credit activity overall. 

I have mailed a formal dispute letter to TransUnion via certified mail, requesting a full investigation. I am now asking the CFPB to : 1. Investigate the unexplained score drop and reporting practices of TransUnion.

2. Require TransUnion to provide a detailed explanation for the change in score.

3. Ensure fair, transparent, and accurate credit reporting per the FCRA. 

Attached are screenshots from XXXX XXXX and Experian showing relevant data, including the XXXX XXXXXXXX XXXX  listing and recent inquiry. 

Thank you for your attention and help resolving this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Against : TransUnion, LLC Subject : Unexplained Credit Score Drop and Suspected Re-Aging of Closed Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against TransUnion, LLC regarding an unexplained and significant drop in my credit score. On or around XX/XX/XXXX, my TransUnion XXXX XXXX credit score dropped XXXX points, with no corresponding changes reported on my credit file. XXXX XXXX, which monitors my TransUnion data daily, states that there were no recent changes, and yet the score plummeted without explanation. 

I suspect this score drop may be related to the XXXX XXXXXXXX XXXX  account ( opened XX/XX/XXXX ), which I previously disputed due to potential re-aging and outdated reporting. I have not opened any new accounts, missed any payments, or changed my credit behavior in a way that would justify a nearly XXXX drop. I did have a single hard inquiry from XXXX on XX/XX/XXXX, but this would not reasonably cause a score drop of this magnitude. 

I believe TransUnion is either : Silently re-aging a previously negative account, or Manipulating the scoring model without transparency, resulting in misleading consumer data and potential FCRA violations. 

This score drop has harmed my ability to seek financing and has created emotional and financial stress, especially given that Equifax increased by XXXX points during the same period, indicating positive credit activity overall. 

I have mailed a formal dispute letter to TransUnion via certified mail, requesting a full investigation. I am now asking the CFPB to : 1. Investigate the unexplained score drop and reporting practices of TransUnion.

2. Require TransUnion to provide a detailed explanation for the change in score.

3. Ensure fair, transparent, and accurate credit reporting per the FCRA. 

Attached are screenshots from XXXX XXXX and Experian showing relevant data, including the XXXX XXXXXXXX XXXX  listing and recent inquiry. 

Thank you for your attention and help resolving this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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 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 seven 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 2025-05-10 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I visited XXXX XXXX XXXX regarding a used XXXX XXXX XXXX ( XXXX : XXXX ) with XXXX miles listed at {$13.00}, XXXX. I was offered a deal with the following terms : XXXX XXXXXXXX XXXX XXXX  ( VIN : XXXX ) with XXXX, XXXX miles Price : {$14.00}, XXXX Sales Tax : {$930.00} Total ( + fees ) : {$16.00}, XXXX Down payment : {$600.00} Loan term : 60 months Interest rate : 23.20 % XXXX Monthly Payment : {$450.00} I believe I was targeted with predatory lending practices. Despite having a decent credit profile ( these are post hard inquiries numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was pressured into agreeing to an extremely high interest rate without transparent discussion of the loan details. I did not consent to the excessive number of credit inquiries -- XXXX in total -- performed without my clear authorization. 

I was misled about pricing and pressured to consider other vehicles i wasn't interested in. I was denied clear numbers on the XXXX XXXX I originally wanted, and staff behavior was inappropriate and unprofessional, including overheard comments about me that were hurtful and discriminatory. I felt manipulated and disrespected during the entire process, and I am filing this complaint in hopes of protecting myself and others from similar mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MD

Complaint narrative:
I am submitting this complaint as a follow-up to a previous CFPB complaint regarding the permanent closure of my Cash App account ( XXXX XXXXXXXX ) on XX/XX/year>, with no prior warning or clear explanation. On XX/XX/year>, I was informed via email that I was ineligible to appeal, yet I was never told what specific violation of the Terms of Service led to this action. 

In response to my earlier complaint, Cash App only provided general information about the broader CFPB settlement with Cash App, and did not address my individual account closure or provide any meaningful resolution. My original concern remains unresolved. 

I have contacted Cash App multiple times through their app and email support. I provided my case number ( # XXXX ), the phone number tied to my account ( XXXX ), and confirmed that my name is XXXX XXXX, the only name Ive ever used for verification. Despite this, I received no explanation or investigationjust a blanket denial. 

I also received threatening messages from unknown numbers ( XXXX and XXXX ) prior to my accounts closure. These messages warned Id be reported for fraud. I strongly suspect that a false or malicious report may have triggered my account being flagged or closed.

I have never violated Cash Apps Terms of Service. This experience has not only locked me out of a service I relied on but may also have affected my standing with other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with no due process or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a notice regarding fraudulent inquiries on my credit report resulting from identity theft linked to the XXXX XXXX national data breach, XXXX, and many more shown in the attachments. Under UCC 1-605 ( b ), FCRA ( 15 U.S.C. 1681 ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ), I demand the immediate deletion of these inquiries within four ( 4 ) business days, as they were never authorized by me and can not be lawfully verified. 

Fraudulent Inquiries to Be Removed Immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Violations & Required Actions : UCC 1-605 ( b ) You are legally obligated to correct or verify disputed information within 4 business days. Failure to do so constitutes waiver of any claim to these fraudulent entries.

FCRA 1681b ( c ) ( 3 ) Prohibits reporting inquiries not initiated by the consumer.

FCRA 1681c-2 Mandates blocking of identity theft-related fraudulent data.

18 U.S.C. 1028A These inquiries resulted from criminal identity theft, punishable by federal law. 

Connection to XX/XX/XXXX XXXX XXXX XXXX : These inquiries directly correlate with the massive data breach in XX/XX/XXXX, which compromised my personal and financial data. Their appearance on my report is irrefutable evidence of fraud. 

Demand for Compliance Within 4 Business Days : DELETE all fraudulent inquiries immediately and no later than [ 4 business days from receipt ]. 

SEND WRITTEN CONFIRMATION of deletion via certified mail and email. 

XXXX XXXX any related fraudulent accountsI never authorized them.

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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I bought a car in XX/XX/XXXX with financing from American credit acceptance I struggled to make payments and by XX/XX/XXXX, the account was completely removed from my credit reportlikely related to their class action lawsuit around that time. 
I never received any calls, letters, or bills from XXXX after thatnothing for nearly 3 years. 
In XXXX, I officially updated my address with the XXXX via mail forwarding. They never contacted me at my new address. 
Suddenly in XX/XX/XXXX, they repossessed my vehicle without warning while I was at my boyfriends houseand demanded {$13000.00} to get it back. 
The account is still not reported on my credit report, there is no repossession remark, and the car loan now shows as sold or charged-off. 

I was led to believe the loan was closed or forgiven, and XXXX failure to notify me ( especially with USPS forwarding in place ) appears to violate Maryland repossession law, FCRA, and basic consumer protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MO

Complaint narrative:
This is no my account. The name and information on the statement is not mine as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I accepted your Less Than Full Balance Offer settlement agreement requiring four ( 4 ) payments of {$240.00} to fully settle my account ending in XXXX. I have completed all four payments as agreed and the Bank with my chase bank account ending in XXXX and still continue trying to collect the credit card full balance. 

Despite fulfilling the 4 payments, I continue to receive collection calls and notices, and your records incorrectly reflect a balance. This is in violation of the settlement agreement. 

I also sent several secure messages on the chase online and they never respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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