vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Kind Holdings, LLC
State: FL

Complaint narrative:
I did an investment refi on my home at the time in XXXX. At the time I planned on keeping the home, however received an offer on it so I decided to sell after the refinance closing ( XX/XX/XXXX ). 
First payment was due to Kind Lending on XX/XX/XXXX. After multiple attempts and emails to include my loan officer attempting to assist, kind lending had the wrong loan number attached to our names so we were unable to make a first payment. When kind lending finally fixed it around XX/XX/XXXX, the loan was already being transferred to XXXX. According to the transfer letter kind lending stated that XXXX would begin servicing XX/XX/XXXX, XXXX all payments to kind would stop XX/XX/XXXX. 

I attempted to make the first payment to kind lending online but the program told me I was unable to process ( we thought due to loan transfer ). I contacted the title company and my lender at the time and was advised that XXXX was taking over the mortgage so I could make all payments to them. 

The original loan amount was for {$760000.00} with kind lending, and then on XX/XX/XXXX we closed the sale of the home. Because we sold it the XX/XX/XXXX pay off was through XXXX who advised they bought the loan in full from kind lending and we shouldnt owe them any money. That we only owed XXXX the full amount and interest. XXXX took the loan on on XX/XX/XXXX ; the pay off was for {$770.00}, XXXX. That was what we believed to be the interest due for the kind lending missed payment. We believed this because we got a fast pay off. The title company is known to us, so XX/XX/XXXX as soon as the sale happened they immediately wired the money to XXXX to avoid further interest. The pay off ordered was only for a few days. 
For reference my payment amount wad $ XXXX month. 
Kind lending has sent us a letter saying we owe {$16.00}, XXXX  ; then when I called them, they said oh no actually you owe {$10000.00} .. then they passed me to escalation team who said oh you owe $ XXXXXXXX XXXX well after also talking to XXXX they said I shouldnt owe anything because I paid the loan off to its entirety. 

Kind lending said they were going to report me to credit bureau, so out of being afraid of damaging my credit ( never have I ever missed a mortgage payment and I have owned many homes/and am a real estate broker ), I decided to just make the $ XXXX payment. However then, I spoke to title attorneys again who said no thats not right cancel the payment. I asked kind lending to cancel the payment I made yesterday.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I deposited a {$170000.00} settlement check at a Chase banking center on [ insert date ]. The check was drawn on a XXXX XXXX XXXX attorney escrow account. XXXX XXXX XXXX has confirmed to me directly that the funds were released to Chase. 

Despite this, Chase is holding the funds until XX/XX/XXXX. I have made multiple calls, was

told a manager would call me back, and never received one. Now Ive been told I must wait three days just to speak with a manager.

I am experiencing serious hardship. My electricity has been shut off for two months. My water has been shut off for a month. I am behind on child support and other legal obligations. I have informed Chase of this multiple times and requested a partial release, which I was told was possible. They refuse to act, despite the fact that the funds are already in their possession.

Chase is knowingly creating avoidable harm by withholding cleared funds without cause. I am requesting CFPB intervention to secure a partial release and immediate escalation to a decision-maker. 

XXXX. In person deposit. Told will be a hold until XXXX but can call for partial release on XXXX XXXX spoke with XXXX XXXX supervisor quoted policy and scheduled a manager call back XXXX still no manager call back. Spoke to XXXX, part of the check deposit team, still quoted policy. Spoke with XXXX, account supervisor, still only quoted policy. Transfer to XXXX in the executive office. Was told someone from the executive office would call me back but would/ could not give me a time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This loan used to be XXXX  I was a co signer for my son and so when first XXXX took over. The problem started it was fine for a few months then the auto pay got cancelled and every time he tried to pay it rejected payment and they say it was us, he never received any information intill it was late. They dropped my credit score XXXX points. They are very difficult to deal with we have got his payment caught up and they refuse to take off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
These came unexpectedly and do not appear to be authorized. Please take urgent action and look at the supporting documents.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 very concerned about the accuracy and integrity of my credit file due to incorrect personal details being reported. I have noticed addresses and employment information that do not relate to me in any way.

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 2025-07-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Fraudulent inquiry on mycreditreport. 
XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am disputing unverifiable and inaccurate information on my credit report. I have requested the credit bureaus to conduct a lawful reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). Certain items can not be verified and must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please see attached formal complaint letter and supporting documents.

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 2025-07-24 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: MS

Complaint narrative:
I am disputing unverifiable and inaccurate information on my credit report. I have requested the credit bureaus to conduct a lawful reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). Certain items can not be verified and must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please see attached formal complaint letter and supporting documents.

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 2025-07-24 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 am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 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: IL

Complaint narrative:
Fraudulent accounts on mycreditreport. 
XXXXXXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: IA

Complaint narrative:
I keep getting assessed extra fees for some reason I have been watching very closely when I get an advance and how much the fees are and now there is a extra XXXX applied to my account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB Complaint XXXX/Experian/XXXX Reporting Charge-Off After Pay-for-Delete Agreement To whom it may concern, I am filing this complaint against XXXX XXXX, Experian, and XXXX for reporting inaccurate derogatory information on an account ending in XXXX, which was paid in full under a Pay-for-Delete agreement in XXXX. 

Despite the agreement and the balance being {$0.00}, both Experian and XXXX  continue to report the account negatively, with Experian listing it as Charge-Off in XX/XX/XXXX, and XXXX showing it as In Dispute but still derogatory. 

What Happened : This XXXX XXXX account was closed and paid in full in XXXX, under a Pay-for-Delete agreementXXXX XXXX  has correctly deleted the account. 

Experian added a " CO '' ( Charge-Off ) remark in XX/XX/XXXX, more than XXXX years after closure, which is misleading and damaging. 

XXXX  continues to report the account as In Dispute with derogatory status, despite a {$0.00} balance and the agreement to delete it. 

I received no notice from either Experian or XXXX  before these negative updates were added. 

Violations of the FCRA : This situation violates several sections of the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Credit bureaus must report only accurate and up-to-date information.

1681i ( a ) : They must correct or delete inaccurate or unverifiable information when disputed.

1681s-2 ( a ) : Furnishers like XXXX must not report information they know is inaccurate or that misrepresents the account status. 

Furthermore, the Pay-for-Delete agreement constituted a binding resolution, and its noncompliance represents not only a violation of the FCRA but a breach of good faith and fair dealing.

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 2025-07-24 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: FL

Complaint narrative:
I am writing to dispute and demand removal of several hard inquiries that appear on my credit report. These inquiries were conducted without my permission and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding dispute number XXXX, totaling {$18000.00}, related to unauthorized transactions labeled XXXX XXXX. 

I submitted a formal dispute with supporting documentation. The bank closed the claim in less than 10 business days without issuing a provisional credit, which is inconsistent with Regulation E ( 12 CFR 1005.11 ).

I requested a re-evaluation, and the case was reopened. However, it was denied again on XX/XX/year>2025, with the same vague reason : " The charge was authorized by you or someone permitted to use the account. '' The bank did not provide any concrete evidence ( such as a signed receipt, IP address, or merchant communication ) to support their conclusion. 

This has caused serious financial harm. I followed all procedures, submitted everything they requested, and still lost almost {$20000.00} without explanation. 

I am asking the CFPB to review this matter and ensure the bank complies with consumer protection laws and provides a fair 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 explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am submitting this formal dispute concerning a late payment that has been reported inaccurately on my credit file. I am confident that all payments were made within the required timeframes, and this mark is both misleading and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Midland Credit Management, I am writing to formally dispute the debts referenced in your XX/XX/year>XXXX   letter ( Case # : XXXX ), and to notify you that : I am not the individual associated with these accounts. 
The last four digits of the SSN listed ( XXXX ) do not match mine. 
I have never resided in Illinois, where the address listed is located. 
I have never opened any accounts with XXXX XXXX XXXX  or XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
This is a formal request for the deletion of unauthorized hard inquiries appearing on my credit profile. I have not initiated or permitted any transactions that would justify these credit checks.

Company response to consumer: Closed with non-monetary relief