vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I got my first check ( {$1300.00} and change ) from my new job. Went to a branch to deposit as I need to pay rent today ( XXXX XXXX ). I made the deposit around XXXX, they said my funds would be available. They weren't, so I contacted customer service, and they said it would be available BY XXXX. It was not available. Now they're telling me I'll have to wait a few business days. Not only did they give me the wrong information TWICE, but they referred me to their availability process, which says my funds should have been available same day. They were not. Now I'm facing eviction because they are withholding my paycheck. I went through the proper channels and took the proper steps and they are still not processing my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I was sent 2 transactions that equals XXXX XXXX  put my money on hold and took a fee.... and then the person that sent it disputed it because I couldn't see the deposit for a few hours then it finally hit so the dispute was satisfied in my favor so I get an email saying the transactions go against their policies which I never knew what policies were violated ... anyway they said my funds will be frozen for 180 days without reason. So they won't give me access to my funds which I am in dire need of paying my rent and bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
In XXXX I went XXXX XXXX XXXX XXXX XXXX XXXX and in XXXX I graduated to said School. After I graduated in found out that my degree was basically something that I could not use the degree would not give me a chef position like promised that I was told by the recruiter. When I went into multiple interviews I was told that the only way with getting a higher position is experience not a degree. In XXXX I received a email from U.S. Department of education saying that the XXXX XXXX XXXX XXXX was being sued and closed for misleading information and fraud and for this reason I was allowed to request for a discharge for my federal loans. At which time I did request this, later it was granted. In multiple occasions to my lender Mohela who were XXXX at that time I asked about my private because I had both and my private were the actual student loan but was told every time that only applied to the federal. Early this year doing some research I found out they were now allowing applications regarding this in private in which time on XX/XX/XXXX I entered a school misconduct discharge application. I received a vague denial on XX/XX/XXXX. On the date XX/XX/XXXX I wrote a dispute regarding the denial being that it was vague, which they responded on XX/XX/XXXX. I do not understand why they are denying my discharged when my federal was already granted and the physical loan was not with the federal but with the private. At no time did they provide this information I had to find it on my own and have been fighting for a degree that is useless. I acquired this loan through a scam with fraudulent basis but have been struggling to pay back loan for this said degree. There are people that have been discharged for similar reasons I am requesting but for some reason mine are being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : There has been no late, nor delinquent payments to XXXX XXXX XXXX XXXX  on student loans, yet, XXXX  [ servicer ] continues to report late, delinquent payments for XXXX XXXX, & XX/XX/XXXX knowing that information is inaccurate. Refiling COMPLAINT ( S ) for removal, because XXXX is defiantly refusing to comport with 15 USC 1692, 1681. 

DEMANDING XXXX BE REMOVED FROM COMPLAINT, AS THE REPORTING OF DELINQUENT PAYMENT XX/XX/XXXX & XX/XX/XXXX IS AN OVERT ERROR, MANDATING CORRECTION. THERE IS AND WAS NOT LATE PAYMENTS. FACT IS : XXXX IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF XXXX ( CFPA ). AS XXXX, a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, PREDATORIAL, DECEPTIVE, ABUSIVE ACTS & PRACTICES [ UDAAPs ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING XXXX ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL XXXX CREDIT BUREAUS ( XXXX XXXX, & EXPERIAN ). 

I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 


Best, XXXX XXXX XXXXXXXX XXXX PHONE : XXXX EMAIL ( XXXX ) : XXXX AND XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : There has been no late, nor delinquent payments to XXXXXXXX XXXX XXXX XXXX on student loans, yet, XXXX  [ servicer ] continues to report late, delinquent payments for XXXX XXXX, & XX/XX/XXXX knowing that information is inaccurate. Refiling COMPLAINT ( S ) for removal, because XXXX is defiantly refusing to comport with 15 USC 1692, 1681. 

DEMANDING XXXX BE REMOVED FROM COMPLAINT, AS THE REPORTING OF DELINQUENT PAYMENT XX/XX/XXXX & XX/XX/XXXX IS AN OVERT ERROR, MANDATING CORRECTION. THERE IS AND WAS NOT LATE PAYMENTS. FACT IS : XXXX  IS IN DIRECT VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692, & FEDERAL CONSUMER FINANCIAL PROTECTION ACT OF XXXX ( CFPA ). AS XXXX, a loan servicer, IS ENGAGING IN UNLAWFUL, UNFAIR, PREDATORIAL, DECEPTIVE, ABUSIVE ACTS & PRACTICES [ UDAAPs ] AND THEIR ADVERSE REPORTING CONSTITUTES FRAUD, ABUSE, TARGETED EXPLOITATION, AND EXTORTION. I AM DISPUTING XXXX ADVERSE CREDIT REPORTING AND DEMANDING RETRACTION OF SUCH REPORTING BE MADE TO ALL XXXX CREDIT BUREAUS ( XXXX, EQUIFAX, XXXX XXXX  ). 

I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 


Best, XXXX XXXX XXXXXXXX XXXX  PHONE : XXXX EMAIL ( XXXX ) : XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting to formally dispute certain collection accounts and multiple credit inquiries currently reported on my credit report. After a detailed review, I have identified these entries as inaccurate, incomplete, or unverifiable, which may violate the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, the collection accounts reported by XXXX with a balance of {$1300.00} and XXXX with a balance of {$480.00} are disputed. I request full validation of these debts, including original documentation from the creditors that proves the balances, the dates of default, and the legitimacy of the collections.. Furthermore, FCRA 607 ( b ) requires that all information reported must be accurate to the maximum extent possible, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know, or should know, to be incorrect. In addition to the collections, I dispute the following credit inquiries as they may have been made without my authorization or were inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-18 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 extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today. I have refreshed my browser several times, yet nothing has changed. Please review the documents I sent carefully so this issue can finally be resolved once and for all.

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 2025-10-18 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 am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today. I have refreshed my browser several times, yet nothing has changed. Please review the documents I sent carefully so this issue can finally be resolved once and for all.

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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have received unordered items at my house from XXXX & reported this to them in XX/XX/year>. The items were youth ankle braces ; large light bulbs ; small light bulbs ; and storage containers. i did not want, order or desire any of these items. These items are still at my house. I do not want them. 

Then last month when I was paying my Capital one monthly payment, I checked my available credit & learned that I have no available credit & knew that that was not supposed to be correct. I investigated through Capital one & they shared with me the following charges from XXXX XXXX : {$250.00} ; {$240.00} ; {$180.00} ; {$270.00} ; and {$110.00}. 

I claim that I did not make these purchases. 

XXXX tells me that they look at my account & they only see that i ordered a book about 3 years ago. they DO NOT SHOW ANY OTHER ORDERS BY ME. That is correct. I did order & receive a book about 3 years ago that is totally unrelated to this, I believe. 

Capital one -- -through case number : XXXX -- -continues to state that information that they discovered leads them to believe that I or another account user benefitted from the transaction. 

They tell me there is insufficient evidence of fraud and that i am responsible for the charges. They tell me to call XXXX XXXX. Capital One gives me limited information & tells me to call XXXX XXXX. They did provide me a XXXX reference no : XXXX. 

I called XXXX & they say there is nothing in my account except the book that i ordered XXXX years ago. 

The items that I received continue to be at my house. I do not want them. i would like for them to be returned to XXXX & the charges removed from my capital one account. 

However, I do not believe that the items that i received at my address would be valued at what was charged to my capital one account. Not knowing anything about the value of these items, I would estimate that the ankle braces, light bulbs & storage containers would not be valued at more than {$200.00}.

This is a nightmare for me. Please help me. Capital one has not been helpful. XXXX has sounded more compassionate yet not so helpful either. Please, please, please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: WI

Complaint narrative:
Identity theft. I requested a repression and nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Month of XX/XX/XXXX XXXX rocket mortgage lead me on and made me believe I was refinancing my house with VA loan and I had to pay out off {$970.00} of money I really didn't have to get test and appraisal done on home just to tell me I was denied at the last couple days of the loan to close and then say there's nothing they can do for me cause rof a late payment and they could of been found that out in the beginning of the process and saved me money now I'm out that money and no service or help from them now I see how really they are with truly helping veterans I see

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. I need this matter resolved immediately and ask that the documents I provided be carefully reviewed so this problem is completely fixed.

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 2025-10-18 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: CA

Complaint narrative:
I find it very unfortunate that Transunion has ignored my requests and doesnt seem to care about the consumer. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Transunion regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of depression and XXXX  which I have been getting treatment for and along with this I recently suffered an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Transunion being one of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Transunion operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

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 2025-10-18 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: VA

Complaint narrative:
FRAUDULENT AMOUNT FROM XXXX XXXX XXXX OF {$6500.00} SHOWING ON CREDIT REPORTS THAT IS NOT SUPPOSED TO BE THERE.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
If you do not want to end up in court, my best advice would be to carefully re read the information contained on the dispute letter considering this is my third time having to submit a dispute for the same item. I am absolutely disgusted at your company protocol to take care of an investigation using a computer such as the e-oscar system. your company is in violation and it's time to make things right!

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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America card was closed by Bank of America for no apparent reason, and I am not allowed to withdraw the money in it. I have been using the account normally, but Bank of America closed my account. I am now filing a complaint with Bank of America and requesting that my account be reactivated. Could you please help me resolve this issue? Thank you.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
XXXX XXXX continues to report late payments after I fully settled the account in XX/XX/year> with a {$0.00} balance. 
This is false and violates federal law, including FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ( 1 ) ( D ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ).

I have contacted XXXX XXXX XXXX  but the inaccurate information remains. 
I request immediate deletion of this account and a confirmation that all negative reporting be permanently removed. 
This constitutes willful noncompliance under 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
{$130.00} payment - {$55.00} to premium - {$80.00} fees - no breakdown or explanation - every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union withdrew {$750.00} from my account without my authorization and applied it toward an account that had already been charged off. This transaction was done without my consent, knowledge, or approval, and I only discovered it after noticing the funds missing from my active account. 
When I contacted Navy Federal to ask why this money was taken, I was told that it was applied to an old, charged-off account. However, that account had been closed and written off for some time, meaning it should not have been eligible for internal transfers or collections activity of any kind. The fact that Navy Federal reached into my current, active account and withdrew funds without permission feels like a violation of trust and consumer protection laws.

This action placed me in a difficult financial situation, as those funds were budgeted for essential expenses. I was given no warning, no notice, and no opportunity to dispute or stop the transfer before it occurred. It feels extremely unfair and unethical that a financial institution can access and remove my money for a debt that was already considered charged off. 
I am frustrated, disappointed, and honestly exhausted from trying to get a straight answer from Navy Federal. Every representative Ive spoken with gives me a different explanation, none of which justify taking money from my account without my consent. It feels like my rights as a consumer have been completely disregarded. 
I am asking the CFPB to investigate this unauthorized transfer, ensure that my {$750.00} is returned, and hold Navy Federal accountable for what appears to be an improper and potentially unlawful action. I would also appreciate clear communication from Navy Federal about how and why this transaction occurred, as well as what safeguards they plan to implement to prevent this from happening to other customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation