vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
see previous Fifth Third Complaint XXXX In XXXX, Fifth Third bank told me they were closing my account due to " suspicious activity. '' It may be because I was trying to send multiple high-dollar wire transfers. They spent hours telling me these were scammers I was sending the money to ( I disagree ) and they cancelled several wire transfers. 

They said they were closing the account. But 53 continued to accept ALL deposits into my account until XXXX, including {$1800.00} in SSA monthly benefits, XXXX pension payments of {$2500.00} as well as $ 800 monthly disbursements from my retirement savings. 

They claimed they sent account total of {$14000.00} to me XX/XX/XXXX. But XX/XX/XXXX a branch bank supervisor at the XXXX XXXX, XXXX, FL revealed 53 had sent the money to XXXX XXXX rather than XXXX, the actual address I gave when I opened the checking acct in XXXX I got the account statements from Fifth Third in XXXX. XXXX weeks later, I called to report at least {$12000.00} unauthorized charges and the XXXX person I was transferred to insisted everything that transpired from XX/XX/XXXX until XXXX was MY FAULT and that 53 had no intention of paying me back a XXXX more that the XX/XX/XXXX disbursement and that was the only money I would get from Fifth Third! She said 53 will not pay me for ANY of those fraudulent charges. 

Because of this bank, I had no income from XXXX until XX/XX/XXXX my new bank held the Fifth Third check for days because it was a new account. They ruined my credit and I can not buy a house. Now they owe me thousands they say they won't pay. 

They took thousands from me to pay fraudulent debtors. I have had XXXX new debit cards this month because of identity theft perpetuated byFif th Third. Because of 53, I still can not p aymy legitimate creditors. 

I now owe family and friends thousands and maxed out my credit cards during the 3 months I had no income. My FICO score plummeted from a perfect of XXXX at the beginning of XXXX to below XXXX today -- leading to the circumstances I am now dealing with today trying to secure a mortgage loan to buy a condo on the beach -- hence the rental. I have endured the consequences of massive fraudulent activity on XXXX bank accounts and XXXX since XXXX including unauthorized debits at XXXX banks, including Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
On XXXX XXXX, I noticed inaccurate information being reported on my credit report by Experian. I disputed the information directly with the credit reporting agencies on XXXX XXXX explaining that the account ( XXXX ) were being reported inaccurately and requesting a proper investigation under the Fair Credit Reporting Act ( FCRA ). 

The credit reporting agencies responded with results indicating that the information had been verified as accurate. However, no evidence or documentation supporting the verification was provided to me. I believe a reasonable investigation was not conducted, as required by law, because the disputed items remain without correction and no proof of accuracy has been presented. 

Since then, I have attempted to resolve this matter by submitting additional disputes and providing supporting documentation. Despite my efforts, the agencies have continued to report the same inaccurate information, which has negatively impacted my credit profile and ability to obtain credit. 

I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies and furnishers conduct a proper reinvestigation of my dispute ( s ) and either provide documented proof of accuracy or remove the inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
On XXXX XXXX, I noticed inaccurate information being reported on my credit report by Experian. I disputed the information directly with the credit reporting agencies on XXXX XXXX explaining that the account ( XXXX ) were being reported inaccurately and requesting a proper investigation under the Fair Credit Reporting Act ( FCRA ). 

The credit reporting agencies responded with results indicating that the information had been verified as accurate. However, no evidence or documentation supporting the verification was provided to me. I believe a reasonable investigation was not conducted, as required by law, because the disputed items remain without correction and no proof of accuracy has been presented. 

Since then, I have attempted to resolve this matter by submitting additional disputes and providing supporting documentation. Despite my efforts, the agencies have continued to report the same inaccurate information, which has negatively impacted my credit profile and ability to obtain credit. 

I am requesting that the Consumer Financial Protection Bureau ensure that the credit reporting agencies and furnishers conduct a proper reinvestigation of my dispute ( s ) and either provide documented proof of accuracy or remove the inaccurate information from my credit file.

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 2025-08-30 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: FL

Complaint narrative:
XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681bcredit report XXXX XXXX, a consumer reporting ose, such as my written authorization or an application initiated by me. 
After reviewing my credit report, I noticed inquiries from the following companies that I did not authorize :

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 2025-08-30 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: MS

Complaint narrative:
Certainly! Below is a formal business letter for XXXX XXXX addressing the issue with the reporting of the * * XXXX XXXX * * account on TransUnion, Equifax, and XXXX : -- - * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Re : Inaccurate Reporting of XXXX XXXX  Account on TransUnion, Equifax, and XXXX * * Account Name : XXXX XXXX  Account Number : \ [ Insert Account Number ] Dear Sir/Madam, I am writing to formally file a complaint regarding the inaccurate and damaging reporting of my * * XXXX XXXX * * account on my credit reports, specifically with * * TransUnion * *, * * Equifax * *, and * * XXXX  * *. 

The XXXX XXXX account is currently reported * * three times * * across my credit reports, which is not only misleading but is also negatively impacting my credit score. Furthermore, there is a clear inconsistency between the credit bureaus : * * * TransUnion * * is reporting the account as * * closed * *, with a balance that reflects as * * outstanding * * or * * due * *. 
* * * Equifax * * and * * XXXX  * *, however, report the account as * * paid * *, which contradicts the information on TransUnion.

This discrepancy is not only confusing but also * * violates the Fair Credit Reporting Act ( FCRA ) * *, under * * 15 U.S.C. 1681i * *, which mandates that information provided to credit reporting agencies must be accurate, complete, and verifiable. These multiple reports of the same accountespecially with conflicting statuseshave caused significant harm to my credit score and financial well-being.

As per * * 15 U.S.C. 1681c * *, when an account is closed or paid, it should be accurately reflected in all credit reports and remain consistent across all reporting agencies. The discrepancies between the reports from TransUnion, Equifax, and XXXX  are in clear violation of this law, and I request immediate action to rectify this issue. 

I kindly ask that the * * CFPB * * intervene and investigate these inaccuracies, ensuring that the information provided by all credit bureaus is accurate and complies with federal law. Please find attached a copy of my credit reports from all three bureaus, highlighting the discrepancies, and any relevant documentation I have that supports my claim.

I appreciate your attention to this matter and look forward to your prompt response and resolution of this issue. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy and enforceability of a loan tradeline currently being reported on my credit file by XXXX XXXX XXXX XXXX XXXX XXXX. 

1. This account is void under XXXX XX/XX/XXXX Consent Order. 

The attached Final Disclosure from XXXX XXXX shows funds were disbursed directly to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a Consent Order against XXXX and its XXXX, permanently banning them from all consumer-lending activities and requiring relief for any XXXXrelated financing agreements prior to XXXX. 

Because this loan is directly tied to XXXX and originated prior to XXXX, it is void and unenforceable under federal law. 

XXXX XXXX XXXX/ 2. Lack of Borrower Authorization.

I never signed or authorized this loan. Ascent claims a DocuSign record exists, but I dispute the validity of that signature and request full audit logs. XXXX entirely misrepresented the loan as an XXXX, a risk free way to learn and pay later once you land a job. Without proof of my valid consent, the loan can not be legally reported. I at no point ever have spoken to XXXX  prior to this, and XXXX took this loan from them. 

These inconsistencies further call into question the accuracy of the information being reported to your bureau.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently changed my direct deposit for my VA XXXX benefits to my Capital one 360 checking account in hopes of utilizing the ease of the app and expecting to not have issues. This weekend is XXXX XXXX XXXX which means banking institutions are closed on the XXXX. Hence the VA sending my payment to the Capital one account ending in XXXX on XX/XX/XXXX. As of now, Capital one has not made my deposit available to me. This is crazy seeing as how bills are due on the XXXX and I am on a limited income. The money comes from the treasury- which means the account should have access to the funds as soon as they are sent. I am on the phone with Capital one now and being told that there are no pending deposits, but they are having delays in their system processing deposits and perhaps it will available next week. Are you kidding me? The VA pays XXXX Veterans every XXXX XXXX XXXX XXXX. Will capital one be covering my late fees and other issues that arise due to their failure? As soon as my money deposits, I will be RUNNING away as fast as I can. If you are a Veteran- avoid by all means.. The customer service rep acts as if she doesn't know what the Treasury Dept even is.. Terrible choice to switch to them, do not make my same mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-02 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: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-02 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: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Chase Support Team, My name is XXXX XXXX XXXX XXXX, and I am writing regarding the recent unexpected restriction placed on my personal account. I was not notified in advance nor given any explanation for this action, and I am deeply concerned by the lack of transparency and support in this process. 

I am a mother of XXXXXXXX XXXX XXXX one of whom has a XXXX and depends entirely on me. The funds in my account represent my only source of income for the week, and I urgently need access to them to cover rent, food, and essential expenses for my family. 

I want to clarify that my account is used solely for personal purposes. I do not conduct commercial transactions or move large sums of money. Therefore, I respectfully request : 1. A written explanation of the reason for the account restriction.

2. The specific date and details of the unusual activity referenced.

3. The exact timeline and process for the release of my funds.

4. A case number and the name or department responsible for handling this issue.

Additionally, I would like to note that during my second phone call with your customer service team, I was recording the call for my personal record, as I needed to keep track of the information being provided to me. The representative informed me that she would disconnect the call because I was recording, even though Chase also records all calls. I find this response unfair and extremely concerning, especially considering the urgency of my situation and my right to protect myself through documentation. 

Please understand the seriousness and urgency of this matter. I appreciate your prompt response and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I took out a loan of XXXX XXXXXXXX to pay for school but while I was attending they insisted that I make monthly payments of XXXX and after 4 months I couldn't afford to pay so they kicked me out of school. Now my credit report shows that I have both a federal loan and a private loan totaling XXXX XXXX for the same institution.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
Issue : MOHELA failed to implement my approved student loan discharge and PSLF forgiveness.

Details of the complaint : I submitted all required paperwork for discharge of my federal student loans over a year ago, and th

e U.S. Department of Education approved the discharge. Despite this, MOHELA has failed to implement the discharge and continues to attempt collection and report the loan to the credit bureaus. In addition, I have made 120 qualifying payme
nts under the Public Service Loan Forgiveness ( PSLF ) program. MOHELA has not properly credited those payments or processed the loan forgiveness, despite my full eligibility under federal law.

MOHELAs continued collection activity and inaccurate credit reporting are in direct violation of federal law and Department of Education requirements.

What I want resolved : Immediate implementation of my approved discharge.

Recognition of my 120 PSLF payments and full loan forgiveness.

Removal of all negative and inaccurate credit reporting related to these accounts from Experian, Equifax, and TransUnion.

Written confirmation of these corrections.

Supporting documentation : I can provide : My discharge approval paperwork from the Department of Education.

My PSLF payment history showing 120 qualifying payments.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
CFPB Complaint Against Mr. Cooper ( Nationstar Mortgage ) Issue : Debt collection on a fraudulent, disputed loan Sub-Issue : Attempting to collect on a mortgage under formal fraud investigation ; disregard for federal notice of dispute Summary of Complaint : I am filing this complaint against Mr. Cooper ( also known as Nationstar Mortgage ) for continuing unlawful debt collection efforts on a VA loan that was formally disputed as fraudulent prior to and after their loan servicing transfer. 

Mr. Cooper knowingly assumed servicing of my loan in XXXX, after I had already begun reporting widespread fraud, forged documents, and contractual irregularities related to the home sale and loan approval with the prior lender ( XXXX XXXX XXXX  ). I also disclosed : Dual contracts used at closing ( buyer vs. seller version ) Forged receipts used to justify inflated property value Undisclosed structural hazards and falsified inspection results Ongoing formal complaints filed with CFPB, VA, HUD, and state agencies I submitted this information directly to Mr. Cooper upon their assumption of the loan. Their representatives acknowledged the dispute and assigned a fraud XXXX ( name possibly XXXX XXXX in XXXX or XX/XX/year>. Despite this, Mr. Cooper : Failed to flag the loan as disputed in their system Continued to issue payment demands and mortgage statements Offered a loan modification in late XXXX, even though the contract is invalid Reported negative activity to credit bureaus tied to a loan under federal dispute Continued debt collection activities, including risk of foreclosure, in violation of federal consumer protection laws Deeds with no dates of signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I made a full payment on my Concora Credit card account several days ago. The funds were withdrawn from my bank account within 48 hours, and my Concora account shows the payment as Paid Thank You. Despite this, my available credit has not been updated. When I called customer service, I was told that Concora Credit has a policy requiring a 14-day waiting period before payments are reflected as available credit.

Why Im filing this complaint : The funds have already been removed from my bank account and acknowledged as received by Concora Credit.

Concoras practice of holding payments for 14 days while showing the account as paid misleads consumers into believing their available credit has been restored.

This practice restricts access to credit that has already been repaid, which negatively impacts a consumers ability to responsibly manage their account. 
Competing issuers release credit once payments clear, or at least provide customers the option to expedite. Concora Credit does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My funds was frozen by Square, 2 yrs ago for the amount of {$24000.00}. I received XXXX and square took their processing fee out and froze my money indefinitely

Company response to consumer: Closed with explanation