vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — VA 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: LoanCare, LLC
State: FL

Complaint narrative:
am writing to file a formal complaint regarding the mishandling of my VA loan modification process under the XXXX XXXX XXXX XXXX XXXX XXXX program by my mortgage servicer On XX/XX/year>, I received an offer under the XXXX program, with a clearly stated response deadline of XX/XX/year>. I did not receive this letter until the following week due to standard mail delays, and I promptly responded with my acceptance on XX/XX/year>, well before the stated deadline. 

However, I was later told by my loan servicer that the VA stopped accepting new XXXX applications on XX/XX/year>, and that I no longer qualified. I was never informed of this earlier cutoff date, and the original offer I received still listed XX/XX/XXXX as the valid deadline. 

To make matters worse, I have now been offered a traditional loan modification with a 7.25 % interest rate, which results in a payment of nearly {$2500.00} per month a drastic and unaffordable increase from my current 2.625 % rate. 

According to XXXX XXXX XXXXXXXX, issued on XX/XX/year>, servicers were instructed to stop new XXXX submissions as of XX/XX/year>, not XX/XX/XXXX. This means my servicer appears to have misrepresented the program 's timeline and denied me access to a critical program I was actively pursuing. 

I am asking for the VAs assistance in reviewing this matter. I am seeking to be reconsidered for the XXXX program or an equivalent option with affordable terms. I acted in good faith, responded on time according to the documentation provided, and was not notified of any change in eligibility or deadlines until it was too late. 

Please advise me on how to proceed and whether a formal review can be initiated. I am also happy to provide documentation of the original XXXX offer and my written response. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX  NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-28 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: 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX  NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-28 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. 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 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 2025-05-28 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: MI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On or around XX/XX/year>, I deposited a check at a USAA ATM. This check was payment for moving work I completed for a couple and should be easily verifiable by the issuing bank. Shortly after the deposit, my account was placed in credits only status, restricting my access to funds. I was told someone would contact me within XXXX  hours, but this same promise was made before and no one ever followed up.

Prior to this, I made a few attempts to deposit checks via the mobile app, but I never completed or submitted any deposits. A USAA representative told me she believed the mobile deposits were fictitious or altered, despite no deposits being processed. This is a false and damaging accusation. Simply initiating a deposit without completing it is not fraud or a violation.

I called to resolve the matter, but was placed on hold for nearly two hours with no resolution. I believe this situation could be quickly resolved with a simple check verification. Im requesting that USAA immediately verify the deposited check, lift the account restriction, and stop making unsupported assumptions about my intent.

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 2025-05-28 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: NC

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep frustration and concern regarding two unresolved financial issues on my Cash App account, both of which reflect a troubling pattern of negligence and what I consider fraudulent practices by your platform. 

XXXX XXXX XXXX Authorization Hold : I stayed at the XXXX XXXX XXXX from XX/XX/year>, using hotel points to cover the cost of the stay. A {$50.00} incidental authorization was placed on my Cash App card at check-in. Upon my checkout on XX/XX/XXXX, XXXX XXXX XXXX promptly released the {$50.00} hold, as is standard. However, as of XXXX XXXX two weeks laterCash App is still withholding these funds. After speaking to two separate customer service representatives, I was told that Cash App holds such authorizations until the merchant finalizes the charge. This explanation is not only inaccurate in this case but also unacceptable, as the merchant never finalized a charge. Cash App is now holding my funds without cause or consent. 

XXXX  Dispute ( XX/XX/XXXX ) : I disputed a charge of {$38.00} for services from XXXX, a company that failed to deliver the product I paid for. The merchant explicitly confirmed via email that they were unable to fulfill the order. However, instead of refunding the amount to the original payment method, they issued a site creditsomething I never agreed to. Despite clear evidence of non-fulfillment, Cash App denied my dispute and sided with the merchant, effectively enabling theft from my account. 

At this point, I am out {$88.00} due to Cash App 's mishandling of authorizations and disputes. This is not the first time I have had to escalate issues of this nature. Your continued pattern of holding funds and denying legitimate disputes reflects a serious failure in consumer protection and, in my view, amounts to complicity in financial fraud. 

If my funds are not released and refunded to the original form of payment within XXXX  hours, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and consider legal action for failure to safeguard consumer rights and funds. 

Cash App should not be operating as a financial service provider if it can not uphold basic fiduciary standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I have been unable to access my account online to retrieve documents and statements, despite multiple attempts. Additionally, I have been unsuccessful in reaching customer support via phone or email. Mohela has not responded to any inquiries for the past month, leaving the issue unresolved. I request immediate assistance in restoring access and receiving the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX USC XXXX XXXX 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. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$9700.00} XXXX  # XXXX XX/XX/XXXX -- {$45000.00} XXXX  FIN SVCS # XXXX XX/XX/XXXX -- {$42000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8200.00} XXXX  FINANCIAL XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX  # XXXX XX/XX/XXXX -- {$26000.00} XXXX  # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX {$3300.00} XXXX AUTO # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
In 2023, I upgraded my XXXX with XXXX XXXX XXXX. I returned my old phone in the prepaid/labeled box and now I am being charged a fee. I sent it well within the timeframe. Months later I noticed a {$500.00} charge for not returning it. On XX/XX/year>, at XXXXXXXX XXXX ( reference Number : XXXX ) it was confirmed that it was a billing error. [ XXXX XXXX XXXX ] : Upon checking, I see the charges still show on the account due to a billing error, do not worry this will be reversed on next bill cycle. 

The charges were not reversed. I called again and was told the same thing. In the next billing cycle, they were there. I canceled my XXXX XXXX XXXX plan after being a loyal customer. 

I have already disputed this charge with XXXXXXXX XXXX XXXX and not it has been sent over to a third party collection company and is on my credit report.

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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: FORD MOTOR CREDIT CO.
State: IA

Complaint narrative:
On or about XX/XX/year>2020, I cosigned a auto loan for my daughter XXXX XXXX for a XXXX  XXXX XXXX. I was not comfortable cosigning a car loan, as I have been screwed in the past. Dealership, along with XXXX XXXX  pressured in consigning and told me it was for only 2 years. I agreed for only two years. Apparently XXXX XXXX  and the dealership lied to get the sale of the car. If it would have been for the entire loan period, I wouldn't have cosign for the car. I believe that XXXX was not honest with me just to get commission on the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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
Consumer complaint received 2025-05-28 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Complaint Statement BMW Financial Services ( XX/XX/year> ) I submitted a formal credit reporting dispute directly to BMW Financial Services, including a signed letter, government-issued ID, and proof of address. I requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), as I believe the account reported on my credit file is inaccurate. 

Instead of investigating, BMW sent a response dated XX/XX/year>, falsely stating that they believed my letter came from a credit repair organization. This is entirely false I submitted the dispute myself as an individual consumer, without the involvement of any third party. 

Their refusal to investigate violates my rights under 15 U.S. Code 1681i ( a ) and 1681s-2 ( b ). They also failed to provide any results, status update, or justification regarding the information reported. This is a clear act of noncompliance, delay, and obstruction.

I respectfully request that the CFPB intervene, compel BMW to perform a proper reinvestigation, and enforce compliance with federal credit reporting obligations. I am attaching all related documents, including BMW 's response and my original dispute package.

Company response to consumer: Closed with explanation