vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I requested a cashier 's {$9500.00} check from my USAA checking account, which had a sufficient balance of {$11000.00} at the time. USAA Bank denied my request without a legitimate explanation, and in a manner that was dismissive, sarcastic and indicative of class-based discrimination. As a contingency, I issued a check payment online through the USAA 's platform on XX/XX/year>, at Formal Complaint Against USAA Bank XXXX XXXX, for {$9500.00}, payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, Confirmation Number : XXXX Scheduled Delivery : XX/XX/year>. As of today, USAA Bank has failed to deliver the check and has postponed the payment without notifying me of a revised date or justification. I have made multiple attempts to contact the bank, only to be redirected through inaccessible automated systems that prevented me from reaching a competent representative. 
I am now facing forfeiture of a {$1000.00} retainer fee paid to the merchant on XX/XX/year>, due solely to USAA 's failure to honor my scheduled 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX [ Date ] Subject : Request to Cease Reporting and Remove Federal Student Loan from Credit Bureaus Account # XXXX ( Federal Data Breach Impact ) To Whom It May Concern, I am writing to formally dispute the reporting of my Direct Consolidation Loan, serviced by MOHELA under Account Number XXXX, due to a federal government data breach that compromised sensitive information and impacted my student loan records. 

This breach, which involved unauthorized access through federal systems, caused incorrect or unauthorized information to be reported to the credit bureaus. I had no history of delinquency or non-payment prior to this issue, and the resulting credit damage was not due to any action or inaction on my part. 

Given the nature and severity of the breach, and the harm it caused to my credit, I am requesting that MOHELA : Cease all credit reporting for this student loan ; and Formally request removal of this account from all three credit bureaus ( XXXX XXXX XXXX XXXX ). 
This request is made under the Fair Credit Reporting Act ( FCRA ), which requires the reporting of only accurate and verifiable data. Due to the breach, verification of the accuracy of this reporting is not possible. 

Please provide a written confirmation of the actions taken in response to this request. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: KY

Complaint narrative:
Subject : Demand for Immediate Deletion of Unverified Account XXXX XXXX XXXX XXXX ( Account # : XXXX ) To Whom It May Concern, This is a formal demand for the * immediate deletion * of the following account from my credit file : * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * Account Number : XXXX * Current Status : Charge-Off {$6500.00} I have contacted the creditor * three times * requesting legally required verification under the Fair Credit Reporting Act ( FCRA ). They failed to provide : - A signed agreement, - Itemized history of charges and payments, - Properly dated pre-reporting notices, - Legal proof of the alleged debt.

Their only response was a generic XXXX XXXX agreement, which does not meet the standard of verification required under * 15 U.S.C. 1681s-2 ( b ) *.

Since the information can not be verified, its continued reporting is a violation of * 15 U.S.C. 1681i ( a ). I am not requesting reinvestigation I am demanding * * permanent deletion * of this unverifiable item from my credit report.

Failure to comply will result in legal escalation.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is refusing to reimburse me for nearly {$10000.00} lost in a * * bank impersonation scam * * by claiming that because the money was sent via XXXX XXXX ( a P2P payment ), there are " no consumer dispute rights under current regulations. '' This is incorrect under * * the Electronic Fund Transfer Act ( EFTA ) and Regulation E * *. 

* * Summary of what happened : * * On XX/XX/XXXX and XXXX XXXX XXXX, I was contacted by scammers impersonating Wells Fargo employees. They used spoofed caller IDs and convincing language to make me believe I was protecting my account. Under this deception, I unknowingly transferred {$9900.00} to an XXXX XXXX Balance. I immediately reported this fraud to Wells Fargo. 

Wells Fargo repeatedly denied my claim, issuing the same copy-pasted letter each time, stating that I " authorized '' the transactions or that P2P payments carry no consumer dispute rights. They refuse to consider the fact that * * authorization obtained through deception is NOT valid authorization under Regulation E. * * * * Regulation E requires banks to : * * - Investigate whether an electronic fund transfer was unauthorized. 
- Reimburse the consumer for unauthorized transfers. 
- The burden is on the bank to prove the transaction was authorized. 

Wells Fargo has not met these obligations. They have not provided documentation of how they determined the transfers were authorized. They are ignoring that I was the victim of a sophisticated scam where I did not knowingly authorize these transfers in any meaningful way. 

* * What I am requesting : * * - That Wells Fargo reopen and escalate my claim to a senior-level investigator.

- That they * * reimburse me the full {$9900.00} * * as required under EFTA and Regulation E.

- That they provide copies of all documentation used in making their decision.

- That they explain how their security and fraud prevention systems failed to detect these unusual, large transactions.

* * Wells Fargos refusal to acknowledge my rights under federal law is unacceptable. I am requesting CFPB intervention to ensure Wells Fargo follows its legal obligations, investigates this fraud properly, and reimburses me as required. * * Wells Fargo Claim # : 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 2025-07-12 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: Nelnet, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX my XXXX XXXX dropped by greater than XXXX points. Upon review of what changed, the Department XXXX XXXX XXXX XXXX a XXXX delinquency. I've never received any documentation of a date to start payment on my student loans, a XXXX late, XXXX late or a XXXX late notification. When I review my credit report it reflects as paid XX/XX/XXXX, XX/XX/XXXX, and XXXX delinquent XX/XX/XXXX and a resumption of payments XX/XX/XXXX. Upon identifying this I immediately contacted them and was informed that they had never reported me as delinquent, however I've not been able to get this in writing. 

I am in the process of purchasing a home and my loan hinges on the correction of these accounts as it dropped my XXXX XXXX significantly. I would greatly appreciate being able to get the delinquency/late payments removed from my credit report as I'm running out of time with the ability to close on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to dispute a collection account appearing on my credit report. I have no knowledge of this obligation and did not authorize or incur this debt. I suspect it is the result of fraud or misidentification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-12 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I was notified today by the loan servicer, AidVantage, that a student loan in the amount of {$7500.00} was opened using my Social Security number around XXXX or XXXX for enrollment at XXXX XXXX XXXX XXXX. 

I did not apply for this loan. This is a clear case of identity theft, and I need this account removed from my credit report immediately. I am in the process of purchasing a home, and this is causing material financial harm. 

During my call with AidVantage, I was given the following fraudulent details tied to the account : Email : XXXX ( a known disposable email domain ) Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( I have no association with this address ) Names on file : XXXX XXXX ( no phone number ), XXXX XXXX ( XXXX ) ( I do not know either individual ) Ive received very little help via phone support, and I am urging your office to escalate and resolve this matter now. I also have serious concerns about how this was approved without verification of identity. Had an ID check been performed, it would have clearly shown I was not the applicant.

Please confirm in writing that : 1. This case is being investigated as fraud 2. The account is being removed from my loan and credit history 3. No future collection or servicing actions will be taken against me for this account This issue is urgent, and I appreciate your prompt assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry listed on my credit report which I did not authorize. There has been no communication, application, or relationship with the company that generated this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I assumed my late husbands, who passed away XXXX XXXX, XXXX, Rocket Mortgage on XX/XX/XXXX and was not told in the process that I would not have access to my new loan online. I reached out to Rocket Mortgage and was told that it is their policy to not give the party/person access online to their mortgage account if they did an assumption loan. I don't understand why I can't have access to my loan, which has my information attached to it and a new loan number to identify me as the legal owner of said property. I have a right to manage my Rocket Mortgage account online and should not have to call a XXXX XXXX to make payments. I do not want to share my banking information over the phone with anyone not even Rocket Mortgage. Obviously my husband can not confirm or access anything so why can't I as the legal owner of the loan access it online? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
The credit bureaus has failed to delete or correct inaccurate and unverified accounts on my credit report, despite multiple written disputes over the past XXXX months. I requested original documentation to verify these accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681e ( b ). TransUnion has not provided a copy of any original contract or documentation bearing my signature, and instead continues to report incomplete, inaccurate, and unverifiable information. This is causing financial and emotional harm due to continued negative 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 2025-07-12 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-12 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-12 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:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Good day, filing this complaint to follow up the previous accounts that I'm requesting for correction or update of the listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the account that I request to be investigated and updated : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment History : XXXX, XXXX XXXX late 30 days, XX/XX/XXXX late XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX late 30 days, XX/XX/XXXX late 60 days

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 2025-07-12 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: CA

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


EXPERIAN : 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 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 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 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} In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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