vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this formal complaint regarding the servicing conduct of U.S. Bank on our XXXX XXXX-backed conventional mortgage ( Loan Ending in XXXX ). We are experiencing what we believe to be repeated violations of federal servicing guidelines, including those outlined in the XXXX XXXX Single-Family Seller/Servicer Guide, as well as improper credit reporting and failure to offer compliant loss mitigation solutions. 

Summary of the Issue : We entered forbearance from XXXX to XX/XX/year>XXXX  due to a documented hardship ( job loss ). 
During that time, I repeatedly contacted U.S. Bank ( XXXX ) requesting long-term assistance and was told that no solutions could be offered until the forbearance ended. 
I was never informed that our loan had to be 12 months old to qualify for long-term options like Payment Deferral or Flex Modification.

I was also not informed that our forbearance could be extended, even though our hardship continued. 
By the time our forbearance ended in early XXXX, we were only weeks away from our loan reaching the 12-month age requirement ( XX/XX/XXXX ), but no temporary solution or grace period was provided. 
Any payment we attempted in XXXX would have been applied toward the past-due XXXX balance, not to XXXX. 
We were then told to pay the full forbearance balance ( over {$24000.00} ) to avoid late reportingdirectly contradicting XXXX XXXX  guidance against lump sum repayment requirements after forbearance. 
We ultimately reapplied and were approved for forbearance for XXXX, but XXXX remained exposed and was reported as missed, despite our communication and continued hardship. 

Servicing Violations and Harm : Negative credit reporting occurred during an active hardship and communication period. 
U.S. Bank failed to provide accurate or timely information, misled us about extension options, and withheld critical details about eligibility timelines. 
We were threatened with foreclosure and collections, even while actively trying to resolve the issue in good faith. 
There is concern that U.S. Bank is strategically pushing our account to become 60+ days delinquent, potentially disqualifying us from XXXX XXXX long-term assistance programs such as the Flex Modification. 
Despite multiple calls and documented communication, we were denied the opportunity to make a good-faith XXXX payment and left without a resolution.

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 2025-08-04 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: AL

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL -Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

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 2025-08-04 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: AL

Complaint narrative:
I recently received a copy of my ( Experian, Equifax, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL -Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
On XX/XX/year>2025, I received an email from Robinhood stating that my account was restricted and that withdrawals [ are ] locked. This was done without any advance notice or explanation. I was not provided with a reason for the restriction or a specific action I needed to take.

I contacted Robinhood Support, and about 30 minutes later, I received a vague email stating that my account is under review and that I should expect a status update within 4 days. No further details were given, and no immediate path to resolution was offered. This prevents me from accessing my funds with no timeline for resolution and no assurance that my money is safe.

Robinhoods actionsand lack of transparencycaused financial uncertainty and undue stress. It is unreasonable to lock withdrawals on a consumer account without clearly explaining why and what steps are needed to resolve it. This reflects a broader pattern of poor communication and delayed support that many Robinhood customers have reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$730.00}

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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year> XXXX Date : 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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally report a highly concerning pattern of behavior involving a Bank of America representative ( XXXX XXXX ) who has repeatedly contacted me under the pretense of being my local contact and, each time, has caused the deactivation of my XXXX account without my consent. 

This individual has : Identified herself as my local contact without my request or authorization. 

Repeatedly called me directly. 

Caused my mobile number to be unlinked from XXXX shortly after or during each contact. 
On XX/XX/XXXX phone call from XXXX at XXXX On XX/XX/XXXX XXXX deactivated at XXXX On XX/XX/XXXX phone call from XXXX at XXXX On XX/XX/XXXX XXXX deactivated at XXXX I have never authorized any representative to manage, deactivate, or otherwise interfere with my XXXX enrollment. This repeated interference not only disrupts my financial transactions but raises serious concerns about potential abuse of internal access privileges, harassment, and unauthorized account tampering. 

I am requesting the following actions be taken immediately : A full internal investigation into these incidents. 

Identification of the representative involved. 

Confirmation that no unauthorized changes have been made to my XXXX or other accounts. 

XXXX that this representative will no longer be permitted to contact me directly. 

Restoration of my XXXX account with no further disruptions. 

If this issue is not promptly addressed, I may be forced to escalate the matter to regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). 

I expect a formal response and resolution within 7 business days. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX BoA Account Number last XXXX digits XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Driveway Finance Corporation
State: MA

Complaint narrative:
In XX/XX/XXXX, my vehicle ( XXXX XXXX XXXX ) was involved in an accident and was declared a total loss on XX/XX/XXXX, by XXXX XXXX, as documented in the official settlement letter. The lienholder, Driveway Finance Corporation, was the listed party on the account and was expected to be paid from the insurance settlement. 

Despite this, XXXX  reports that the account remains past due with a balance of {$9800.00} as of XX/XX/XXXX, nearly a year later. Additionally, the credit report shows that the last payment was made on XX/XX/XXXX, and the account is marked closed, yet it continues to report as delinquent and with inconsistent high balance figures, including a high credit of only {$7200.00}, while the account shows balances exceeding {$25000.00} during XXXX. 

This reporting is inaccurate, outdated, and unverifiable. The creditor has not updated the account properly to reflect the total loss and insurance settlement. Because the account is no longer valid and can not be verified post-settlement, it should be immediately removed in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
XXXX XXXX has repeatedly failed to comply with federal mortgage servicing laws. Specifically : XXXX. Failure to Respond to QWRs : I submitted a Qualified Written Request ( QWR ) regarding my first and second loans. XXXX XXXX has refused to acknowledge or respond to the QWR for my first loan, in direct violation of the Real Estate Settlement Procedures Act ( RESPA ). 
XXXX. MERS Listing as Inactive : XXXX XXXX is listed as inactive on the Mortgage Electronic Registration Systems ( MERS ) ID for my first loan, yet they continue to attempt collection and are actively pursuing foreclosure. This raises serious concerns about their legal standing to service or enforce the loan. 
XXXX. Improper Loan Transfer During Pending QWR : While my second loan was under an open and pending QWR, XXXX XXXX improperly transferred the servicing of the loan. This appears to violate the protections provided under RESPA, which prohibit loan transfers while a QWR is unresolved unless very specific conditions are met ( none of which were disclosed or followed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am reaching out regarding a serious error on my credit report. An account has been reported under my name that I did not authorize or open. This has caused me significant stress and XXXX, as I have always taken care to protect my credit and identity.

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 2025-08-04 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
I previously disputed the Bounce AI account ( Original Creditor : XXXX XXXX XXXX, account ending in XXXX ) with Equifax. The tradeline still contains inaccurate and unverifiable information. 
Issues include : Date Opened is reported as XX/XX/year>, while other credit bureaus report a different date. The account is coded as Collection/Chargeoff yet shows {$0.00} past due, no payment history, and no repayment terms. Comments state Consumer disputes reinvestigation in progress and Consumer disputes after resolution but Equifax has not provided documentation verifying accuracy. The Date of First Delinquency ( DOFD ) is missing, making the account unverifiable under FCRA 611.

I have already disputed this account with Equifax, and the reporting remains incorrect. This violates FCRA 607 ( b ) and 611. I am requesting CFPB intervention to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Wells Fargo Auto, says Terms are {$0.00} per month paid monthly for 72 months, past due {$20000.00}, monthly payment is {$0.00}, payments received {$0.00} but last payment made XX/XX/year>. This wasnt even my car my ex husband was the primary account holder.

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Im unable to verify my identity on Cash App due to a system error. The app skips the ID photo step and immediately displays Couldnt verify your identity. Ive contacted support multiple times over the past several days. They give automated replies or redirect me to methods that dont work. I cant access key features of my account, and Im concerned about the integrity of my personal data. Im requesting a manual verification reset or live agent escalation.

Company response to consumer: Closed with explanation