vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am currently studying abroad in XXXX, and on the XXXX of XXXX I saw a fraudulent charge on my debit card. I immediately called Wells Fargo, and they canceled my card and said I could expect a new one within XXXX XXXX. After XXXX XXXX, when I still had not received my card, I called again. The representative I spoke with said that everything looked good and that the card would arrive any day. I confirmed the delivery address in XXXX at this time. XXXX XXXX later, I still had not recieved my card. I called again, and this time the representative said that the card was actually sent to my permanent address in new york, not to my current residence in XXXX. I was really upset, and she said to correct the problem she would cancel that card and send a new one to me expedited through XXXX, which should arrive in XXXX to XXXX XXXX. The next day I got a card delivered. I called Wells Fargo to activate it, which they confirmed and told me I was good to start using the card. I immediately went out to make purchases, since at this point it had been XXXX weeks in a foreign country of me being unable to by basic necessities like food and toilet paper. The card was declined as invalid. I called Wells Fargo again, and they said that the card I had been delivered was the previous one that the representative had canceled the day before. The assured me that the new card would arrive any day, and confirmed the address and that it had been expedited. I waited another 4 days, and still no card. I have just called again, this time 18 days out from when my card was initially canceled, and the representative was confused, saying that it is not possible for them to expedite shipments internationally. He checked the XXXX tracking number and saw that it was on the way to my permanent address in new york. They again canceled the card, confirmed my address in XXXX XXXX, and told me it would be here in XXXX XXXX. I don't believe them. Every call with them has been filled with misinformation and a lack of care for my wellbeing. Every day I go without access to my funds I am at risk. I rely on the kindness of my fellow classmates. I am constantly turning my attention to this issue when I should be focusing on my studies. I have been unable to buy school supplies and it is hurting my performance in this program, something I have already invested a lot of time and money into. This was supposed to be a beautiful once in a lifetime experience of pursuing my XXXX XXXX abroad, and instead Wells Fargo has forced me to starve and neglect my studies, causing irreparable harm. Who knows if it will take another XXXX weeks before my debit card reaches me, if it is even on the right delivery destination.

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 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I took this loan with Bank of America for XXXX on XXXX. Based on the agreement we made they were supposed to automatically discount the money from my checking account every month starting on XXXX. 

The XXXX and XXXX payments happened without any issue, but for x or y reason they didn't do the discount for XXXX, generating this negative record that is affecting my credit ( that was perfect until then in the payments made on time category ). That has hit me so hard in a very critical moment ( where I am taking important steps to buy my first home ). 

I submitted a dispute via XXXX on XXXX, paying the loan amount right away AND for my surprise they just didn't remove the negative record, but they made it worse adding another 30 days of delay. And the worse thing is that we are dealing with a XXXX delay that is nothing compared to the XXXX of thousands of dollars I have paid on time during the time I have been active on the credits bureaus.

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 2025-09-30 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: CA

Complaint narrative:
I am filing a complaint regarding XXXX inaccurate reporting of a settled debt. 

On XX/XX/year>, XXXX XXXX XXXX XXXX offered to settle my XXXX XXXX account ( Ref # XXXX, account ending XXXX ) for {$78.00}. On XX/XX/year>, I accepted the offer and paid in full. XXXX XXXX confirmed in writing that this account has now been settled for less than the full account balance. 

Despite this, XXXX XX/XX/year> dispute results still show this account as unpaid with a {$50.00} balance. This is factually false, materially misleading, and in direct violation of the Fair Credit Reporting Act : FCRA 607 ( b ) : Equifax must ensure maximum possible accuracy.

FCRA 611 ( a ) ( 5 ) ( A ) : After a reinvestigation, inaccurate information must be corrected or deleted.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. 

Equifax has already been given the settlement documentation but failed to update or delete the tradeline. This ongoing inaccuracy has caused and continues to cause harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MA

Complaint narrative:
XXXX was repossessed live on XXXX XXXX had no warning I was late on a couple payment life got super busy was never late on payments during whole loan borrowing called right away payed amount my car had already been sent to auction then waited for title which was delayed on there part someone forgot to send by that time the car was payed off and my car had moved to another auction I have no location of veichle last known Connecticut where is should have never been transferred I have XXXX babies and they wanted me to take a XXXX XXXX XXXX I would like XXXX XXXX due to there unprofessional ism and due diligence to pay me viechle worth. XXXX so upset This was in XXXX  when I call now always get hung up on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I am currently enrolled in the XXXX plan for my student loans. I have been in forbearance since XX/XX/XXXX. I had XXXX qualifying payments at that time. I submitted a reconsideration form XX/XX/XXXX in hopes I would be given a balance to pay for those XXXX remaining payments so my loans would be discharged. I have contacted student aid.gov several times asking for updates regarding my case but have only been told this is in review and an agent will contact me if additional information is needed. I filed a FSA feedback Case XX/XX/XXXX and was advised my case was being escalated for review but XXXX months later I am still no closer to resolution. I am frustrated and this situation is causing undue anxiety. My employment has been verified. I am just waiting and very frustrated.

Company response to consumer: In progress
Consumer complaint received 2025-09-30 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:
A furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00}

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 2025-09-30 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:
A furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) and Notice of Error ( NOE ) under RESPA by certified mail ( proof attached ). PennyMac is required under 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.35 to respond within 30 business days. As of this filing, no full corrective response has been provided.

Meanwhile, PennyMac continues to pressure me to sign modification agreements based on erroneous figures. Over the weekend I received a letter saying my most recent letter ( loan mod ) generated in error creating confusion for me as to if voided. I can not safely evaluate or execute any loan modification while these RESPA violations remain unresolved or a letter explaining the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing refuses to discuss ANY escrow account information. Weeks ago after being forced to pay almost {$800.00} more monthly to cover escrow shortage for approximately XXXX months  and not getting competent professionals who were polite I requested escrow change into my name. Shocking to me they changed it immediately. However my taxes for property of {$3500.00} for half a year are due and I have paid SPS monthly to cover this amount. Specifically the issue is they now react to my weekly inquiries about details on escrow with the same nonsense, stating we have nothing to do with your escrow. Even last evening their customer support told me this then agreed to request an escrow analysis be completed. This request is a redundant act by SPS who previously informed me this analysis would be completed and now approximately a month later its crickets only from SPS. Yesterday they sent a check for approx {$700.00} as an escrow payment to me with XXXX details of how they came up with such a figure. Please XXXX complaints about SPS to learn about the constant shenanigans and mind games they routinely accomplish. Possibly related is their selling in XX/XX/2025 to more huge deep pocketed XXXX XXXX firms such as XXXX XXXX and XXXX XXXX XXXX XXXX XXXX!!!!!! Please note i am a long time hard working XXXX taxpayer getting screwed by big big big powerful business who offer XXXX support such as an office near me so i had availability to talk face to face with a real person versus a XXXX # that connects me to rude, obnoxious, unprofessional folks who seem well trained to steal from us poor souls out here in never never land. Please assist soon if possible as my family of XXXX only has this wonderful office ( thank you XXXX XXXX ) to turn for assistance. Kind regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
A furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX/XXXX  XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
I submitted a request through StudentAid.gov to change my repayment plan. As stipulated under 34 C.F.R. 685.219 ( c ) ( iii ) ( 2 ) and 685.205 ( b ) ( 9 ), this action should have automatically triggered a PSLF-eligible administrative forbearance. According to the regulation, time spent in administrative forbearance while supporting documentation for a payment plan change is collected is considered PSLF-qualifying, for up to XXXX  days. 

This XXXX administrative forbearance period should cover XXXX, XXXX, and XXXX. 

MOHELA confirmed receipt of my repayment plan application on XX/XX/year>, and confirmed the application was processed on XX/XX/year>. I have attached both letters from MOHELA for your reference. 

Additionally, Ive included documentation from MOHELA and XXXX explicitly stating that the time spent in this administrative forbearance is PSLF-eligible. 

This is something that should have been applied automatically. As of right now XXXX have not been updated or corrected. This means Mohela will continue to collect a monthly service fee for as long as they keep my account open. My PSLF payment months if corrected will be at XXXX out of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 am authorizing the submission of dispute letters and the filing of this complaint through the XXXX XXXX XXXX XXXX online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX  XXXX Bankruptcy-discharged Reference # : XXXX XXXX. 
These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-30 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.

Complaint narrative:
I am writing to formally dispute certain information in my credit file. I recently reviewed my credit report and found accounts being reported by XXXX XXXX ( XXXX  ) XXXX XXXX under account numbers XXXX and XXXX, showing balances of XXXX and XXXX respectively. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible purposes. XXXX such purpose is with the written consent of the consumer. I have never given written authorization or consent to XXXX XXXX ( XXXX  ) XXXX, XXXX, or any other related entity to furnish, obtain, or share my personal information with your bureau. 

Because no such authorization exists, this reporting is unlawful and inaccurate. I am therefore demanding that : XXXX. You conduct a full reinvestigation of these accounts. 


XXXX. You provide me with documented proof of my written consent authorizing the furnishing of my credit information. 


XXXX. If no such proof exists, you must immediately delete these accounts from my credit file in compliance with 15 U.S.C. 1681i ( a ).

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 2025-09-30 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.

Complaint narrative:
I am writing to formally dispute certain information in my credit file. I recently reviewed my credit report and found accounts being reported by XXXX XXXX ( XXXX  ) XXXX XXXX under account numbers XXXX and XXXX, showing balances of XXXX and XXXX respectively. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible purposes. XXXX such purpose is with the written consent of the consumer. I have never given written authorization or consent to XXXX XXXX ( XXXX  ) XXXX, XXXX, or any other related entity to furnish, obtain, or share my personal information with your bureau. 

Because no such authorization exists, this reporting is unlawful and inaccurate. I am therefore demanding that : XXXX. You conduct a full reinvestigation of these accounts. 


XXXX. You provide me with documented proof of my written consent authorizing the furnishing of my credit information. 


XXXX. If no such proof exists, you must immediately delete these accounts from my credit file in compliance with 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
b'I am writing to formally dispute inaccurate and/or omitted information currently reflected in my credit report. Upon reviewing my file, I discovered that multiple student loan accounts, as well as an auto loan account, are being reported inconsistently or in violation of federal law. Specifically, I dispute the following:\n XXXX  XXXX  XXXX  Balance: XXXX  \n The reporting of this account is inaccurate for the following reasons:\n\nOmission and Inconsistency: Several student loan accounts have either been omitted entirely or are not reported in alignment with how other credit bureaus reflect these same obligations. This creates discrepancies that misrepresent my overall credit profile.\n\nImproper Delinquency Reporting: Delinquencies are being reported for the above account during a period when consumers were protected under the CARES Act. Under the CARES Act, accounts that received accommodations such as forbearance, deferment, or modified payment arrangements were not to be reported as delinquent. The continued reporting of late payments during this protected period constitutes a violation of federal law.\n\nThe following statutes apply to this dispute:\n\nFCRA 623(a)(2): Requires furnishers of information to correct and update information to ensure it is accurate and complete.\n\nFCRA 611 (15 U.S.C. 1681i): Grants me the right to dispute inaccurate information and requires the credit reporting agency to conduct a prompt reinvestigation.\n\nFCRA 607(b) (15 U.S.C. 1681e(b)): Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nCARES Act, Pub. L. 116-136 4021: Prohibits the reporting of accounts as delinquent when an accommodation was made due to the COVID-19 national emergency.\n\nFair Credit Billing Act (FCBA, 15 U.S.C. 1666): Protects against billing errors and inaccurate reporting of account activity.'

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