vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made my first payment I believe in XXXX of XXXX  on this federal student loan. I was advised by the person ( XXXX ) on the phone that I was late on payments by a few months. I was unaware that I was supposed to start paying on my loan. I also told the call taker that I recalled receiving phone calls about a student loan debt but because of constant spam calls I had been receiving, I had believed previous calls were spam calls. The then provided my credit card info to the call taker. I reasonably believed this established automatic monthly payments. I was not aware that additional enrollment steps were required to set up auto payments. As a result of this payment understanding, payments were unintentionally missed. 

I was contacted by XXXX again in XX/XX/year> and was advised that I was months late on several payments. That is when I discovered that my payments were not on auto-pay ( like the rest of my bills ). explained this situation to XXXX but was advised that no changes could be made. 

It is to be noted that when I bought my current house, my credit report was in excellent standing with zero negative reporting and a credit score of XXXX. I had zero issues in qualifying for a mortgage loan and with affordable interest rates prior to now.

I attempted to have this issue resolved directly with XXXX but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through XXXX. As you can see, this issue was not resolved due to conflicting information. 

The resulting delinquency reporting does not reflect my intent to pay or the circumstances surrounding the missed payments. I believe the reporting is inaccurate given the lack of clear disclosure that auto pay was not established by making the initial online payment. 

This inaccurate reporting is now materially impacting my ability to obtain a mortgage. I am requesting a review of a reporting for accuracy and correction as a appropriate.

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 2025-12-22 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: TX

Complaint narrative:
I made my first payment I believe in XXXX of XXXX  on this federal student loan. I was advised by the person ( XXXX ) on the phone that I was late on payments by a few months. I was unaware that I was supposed to start paying on my loan. I also told the call taker that I recalled receiving phone calls about a student loan debt but because of constant spam calls I had been receiving, I had believed previous calls were spam calls. The then provided my credit card info to the call taker. I reasonably believed this established automatic monthly payments. I was not aware that additional enrollment steps were required to set up auto payments. As a result of this payment understanding, payments were unintentionally missed. 

I was contacted by XXXX again in XX/XX/2025 and was advised that I was months late on several payments. That is when I discovered that my payments were not on auto-pay ( like the rest of my bills ). explained this situation to XXXX but was advised that no changes could be made. 

It is to be noted that when I bought my current house, my credit report was in excellent standing with zero negative reporting and a credit score of XXXX. I had zero issues in qualifying for a mortgage loan and with affordable interest rates prior to now.

I attempted to have this issue resolved directly with XXXX but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through XXXX. As you can see, this issue was not resolved due to conflicting information. 

The resulting delinquency reporting does not reflect my intent to pay or the circumstances surrounding the missed payments. I believe the reporting is inaccurate given the lack of clear disclosure that auto pay was not established by making the initial online payment. 

This inaccurate reporting is now materially impacting my ability to obtain a mortgage. I am requesting a review of a reporting for accuracy and correction as a appropriate.

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 2025-12-22 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-22 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: NY

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-22 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: MD

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-22 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: MN

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I cant enroll my phone number into Zelle with ending in XXXX with bank called XXXX it say this this phone number cant be used to enroll with Zelle and I just got this phone number last week sometime so I know it cant be blocked or restricted or suspended and token for it on Zelle cant be revoked or suspended or blocked if it is blocked or suspended or revoked please unsuspended it or unblock it or unrestricted or unrevoke the token on it or do all of them I say with Zelle if yall cant do that tell me what bank is it linked too so I can link it to my bank account etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: GA

Complaint narrative:
I didn't know I had to put a reason why I was sending or receiving money and the cash so allowed it to go through without warning. Also, since I didn't have a cash app card the app allows me to link my debit card to withdraw and transfer funds and since I XXXX XXXX that. It was a problem. They said I violated the terms and policies and their not giving me a clear reason of what I did wrong. I need my account back. If isn't doing right from a lender why won't they send a message or call you before they just deactivate your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
No, the company did not provide the information. They told me they are not responsible even though both purchases were completed and confirmed on their platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
Advised company that the debt was a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Recieved XXXX letters from Department of Education on XX/XX/year> that my loans had been forgiven. As of todate I am told by XXXX that my loans are still waiting with my original provider. I have attached the letter from them stating this. 
Loans with Aidvantage do show that they are in the negative but have been showing this for about XXXX plus months at this point. When I call I am given little to no information on when movement will take place. 
I am given the run around between Aidvantage, XXXX and DOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am writing to ask that the following late payment be taken off my credit report. This is a mistake on the bill. I was never late with this payment. I always paid on time because my account is set up for automatic payments. Please change to never late. This letter has all the papers you need.

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 2025-12-22 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells fargo has sold my loan ( my assets ) to a company called XXXXXXXX XXXX XXXX  now called XXXX XXXX 


dates and information are not adding up, wells fargo has first put a sheriff sale up that was cancelled. ( an attorney said if they went through with the first sale there would be a lawsuit ).. 
wells fargo then sold it to allegedly mr.copper along with several other loans people have. 
the date mr.copper claims they got my loam and private information was in XXXX and wells fargo is still contacting the court regarding my home. 

I am wanting my loan back to its origional form and the chapter bankupcy along with the accepence of the hardships barrence

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NV

Complaint narrative:
I made a purchase on XXXX on XX/XX/year>, for a XXXX XXXX XXXX XXXX in the total amount of {$170.00}. The order was marked as delivered, but I never received the item. 

I contacted XXXX starting on XX/XX/year>, and followed up multiple times throughout XXXX. XXXX repeatedly requested additional information and placed the claim under review several times. As part of this process, XXXX required that I file a police report. 

I filed an official police report with the XXXX XXXX XXXX Police Department on XX/XX/year>, for the missing XXXX package and submitted the police report to XXXX as requested. 

Despite fully cooperating and providing all requested information, including the official police report, XXXX refused to issue a refund and relied solely on the carriers delivery confirmation without providing valid proof of delivery. 

Due to the prolonged review process and lack of resolution from XXXX, I later disputed the charge with my debit card issuer, Chime. The dispute was filed on XX/XX/year>, but the dispute process did not result in a refund. 

I am submitting this complaint because I paid for goods I never received, complied with all requests made by the merchant, including filing a police report, and was denied a fair resolution through both the merchants process and the card dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
While I was XXXXXXXX XXXX XXXX XXXX XXXXXXXX, multiple financial accounts were opened without my knowledge or authorization. These accounts include credit and/or financial services established during my XXXX period, without my consent, signature, or participation. 

I did not apply for, authorize, or benefit from these accounts. I became aware of the activity only after returning and reviewing my credit reports. Some of the unauthorized accounts show balances, charges, and/or delinquent activity that I did not incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against Bank of America , N.A . regarding multiple fraud and identity theft claims involving California XXXX prepaid debit card accounts issued and administered by Bank of America. These accounts are covered prepaid accounts under Regulation E and the CFPB Prepaid Rule.

This complaint concerns unauthorized electronic fund transfers resulting from identity theft and mail theft. I did not authorize, initiate, or benefit from the disputed transactions. Police reports from multiple jurisdictions confirm identity theft, U.S. mail theft, and fraudulent use of my personal and financial information. 
At the time Bank of America alleges I failed to respond or receive correspondence, I was XXXX  for extended periods and experienced homelessness, which prevented secure access to mail or financial communications. These circumstances are documented and were included in my submissions. 
Bank of America denied or closed my fraud claims citing alleged non-response or procedural issues, without conducting a reasonable investigation and without properly considering the police reports, incarceration documentation, and sworn identity theft statements I provided. The company did not explain how the transactions were determined to be authorized or how its investigation complied with Regulation E. 
I submitted complete, individualized claim packets by fax to Bank of Americas Claims Department, with my name and claim number on every page. Each packet included law-enforcement reports, XXXX  records, and identity theft documentation. Despite this, Bank of America failed to provide the information I requested or a substantive claim-specific determination. 
The affected claim numbers include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that Bank of America reopen and fully investigate each listed claim, credit all verified unauthorized transactions, provide written claim-specific determinations, and ensure compliance with Regulation E and the CFPB Prepaid Rule.

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