vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
We co-own a property with our daughter, and the mortgage is serviced by New American Funding ( NAF ). All three of us are on the loan and title. Across more than XXXX decades of homeownership and business ownership, we have never had a single late mortgage payment reported. 

In XXXX, our daughter logged into the NAF portal and submitted her monthly payment as she has always done. For reasons still unexplained, the payment did not post. At no point did NAF provide any notification of a missed or unprocessed payment no phone calls, no emails, and no mailed notices. Had we received even XXXX notice, the issue would have been corrected immediately. 

Despite the complete lack of communication, NAF reported the account as 30 days late to all credit bureaus without warning. This has caused immediate and measurable harm. We operate multiple businesses that depend on flawless credit, and this single erroneous report has already affected our credit standing. 

We contacted NAFs customer service, escalated the matter, and requested a goodwill correction given : The absence of required notice, The attempted payment in XXXX, and Our decades-long perfect payment history. 

NAF refused, stating the reporting was accurate without acknowledging their failure to notify us or investigate the missing payment in good faith. 

We are requesting the CFPB 's assistance in compelling New American Funding to remove the 30-day late payment due to the servicers failure to provide notice, failure to reasonably investigate, and failure to exercise discretion in a situation where the borrower clearly demonstrated good-faith intent and an impeccable long-term history. 

A servicer should not report adverse information when it did not take reasonable steps to notify the borrower of a processing issue especially when the borrower attempted to make the payment and has an unblemished history. 

We appreciate your help in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: DE

Complaint narrative:
NTL Recovery Agency To Whom It May Concern : I am writing regarding an account your company is reporting on my credit file with the following details : XXXX XXXX : NTL Recovery Agency XXXX XXXX : NTL Recovery Agency ( as listed on credit report ) Reported Balance : {$530.00} Date Opened : XX/XX/year> Status : Placed for Collection I dispute this account in its entirety and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

This debt is unfamiliar to me, and no information has been provided to show that I owe your company or any original creditor a balance of {$530.00}. Until you provide complete validation, including : The name and address of the original creditor A detailed breakdown of the amount allegedly owed Documentation bearing my signature or proof that I incurred this debt A complete payment history and explanation of all charges Proof that your agency has the legal right to collect this debt in my state You must cease all collection activity and remove this account from all credit bureaus ( XXXX, XXXX, XXXX  ) if you can not validate it. 

If this debt can not be verified, or if you fail to provide validation within the legally required timeframe, I request that you delete this account immediately from my credit reports. 

Please send all written correspondence to my address above. I also request that no phone contact be made regarding this matter. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-02 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: NJ

Complaint narrative:
* * I disputed a XXXX XXXX hard inquiry with Transunion. As a result of Transunions automated dispute process, my XXXX  XXXX accounts were incorrectly coded as Consumer disputes this account, even though I did NOT dispute any XXXX  XXXX account. This dispute remark is inaccurate. Because Transunion placed this remark, XXXX XXXX was required to immediately update my account data causing mid-cycle balances to be reported that do NOT reflect my actual statement balances. I normally pay these accounts off before the statement date. These mid-cycle balances negatively impacted my Transunion XXXX, and the dispute remark itself is inaccurate and was not initiated by me. I contacted XXXX  XXXX to remove the dispute remark, but they refused unless I opened a new 30-day digital dispute, which is inappropriate because I am NOT disputing the account. I only need the inaccurate remark removed and the reporting corrected. Under FCRA 623 ( furnishers must provide accurate information ) and 611 ( consumer rights to correct inaccurate information ), I am requesting that the CFPB require XXXX XXXX to : XXXX. Remove the inaccurate dispute remark ( consumer disputes this account ) from all bureaus. XXXX. Send corrected, updated reporting to Transunion reflecting normal reporting ( not mid-cycle balances ). XXXX. Confirm that no dispute is associated with my XXXX XXXX accounts. I did NOT dispute any XXXX XXXX account, and this inaccurate remark is causing incorrect data to appear on my reports. I need this corrected immediately and permanently. * *

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year>, Citibank incorrectly processed several purchases I made at an online merchant via XXXX as cash advances rather than normal merchandise transactions. These were all online retail purchases, not cash withdrawals or quasicash transactions. 

On the following dates, Citibank coded XXXXXXXX XXXX XXXXXXXX transactions as Cash Transactions Mortgage XXXXXXXX XXXX XXXX  and assessed a flat {$10.00} cashadvance fee on each : XX/XX/year> XXXXXXXX XXXX XXXXXXXX {$63.00} + {$10.00} fee XX/XX/year> XXXXXXXX XXXX XXXXXXXX {$39.00} + {$10.00} fee XX/XX/year> XXXX XXXX XXXXXXXX {$27.00} + {$10.00} fee XX/XX/year> XXXX XXXX XXXXXXXX {$33.00} + {$10.00} fee XX/XX/year> XXXXXXXX XXXX XXXXXXXX {$36.00} + {$10.00} fee These XXXX {$10.00} cashadvance fees, totaling {$50.00}, later posted on my account as : XX/XX/year> XXXX XXXX XXXX XXXX {$50.00} Citibank then charged cashadvance interest on that amount : XX/XX/year> INTEREST CHARGED TO STANDARD ADV {$2.00} I have receipts from the merchant and XXXX showing these are merchandise purchases, not cash advances. Other banks have processed similar XXXXXXXX XXXX XXXX  transactions on my other cards as standard purchases, not cash transactions. XXXX has confirmed to me that these specific payments are for merchandise. 

I contacted Citibank multiple times. Citibank has maintained that the charges are cash transactions and says it can not make any adjustments, and it was initially difficult to open a dispute at all. I was finally able to file a dispute and was told I could submit my receipts, but I am concerned Citibank will refuse to reverse the cashadvance fees and related interest.

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 monetary relief
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following entries on my credit report. I believe these entries contain inaccuracies, and I request that they be investigated and corrected as required under the Fair Credit Reporting Act ( FCRA ). These accounts appear to have violations and possible data breach issues, and I am seeking resolution. 
Please find the details of the disputed accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account Type : Revolving Status : Positive Balance : {$0.00} Date Opened : [ Date ] Dispute Reason : Misreported payment status, violating FCRA guidelines. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX XXXXXXXX Account Type : Revolving Status : Positive Balance : {$270.00} Date Opened : XX/XX/XXXX Dispute Reason : Discrepancies in the account balance, suggesting data breach or incomplete verification of information. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX Account Type : Installment Status : Positive Balance : {$460.00} Date Opened : [ Date ] Dispute Reason : Errors in reporting account status and payment history, potentially due to a data breach. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account Type : Revolving Status : Positive Balance : {$55.00} Date Opened : XXXX Dispute Reason : Misreporting of payment status, possibly due to unreported data inconsistencies. 
XXXX. XXXX XXXX XXXX Account # : XXXX * * * * * * * * Original Creditor : XXXX XXXX XXXX Account Type : Installment Status : Negative Balance : {$22000.00} Date Opened : XX/XX/XXXX Dispute Reason : Incorrect reporting of past due amounts and payment statuses, potentially related to a data breach or reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
am filing a complaint against MOHELA for reporting inaccurate, incomplete, and unverifiable late payments to XXXX  for account # XXXX. 
The payment history reported contains contradictions : multiple severe delinquencies ( 90180 days ), missing data months ( ND ), irregular balance updates, and impossible sequences that do not match any default or delinquency notices. 
MOHELA has failed to provide documentation verifying ANY of the alleged late payments. This violates FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 3 ), and 623 ( b ). 
XXXX  is reporting inaccurate information in violation of FCRA 602 ( A ), 607 ( b ), and 611 ( a ).

I am requesting that the CFPB require MOHELA to : Provide verifiable documentation of each alleged late payment Or remove the inaccurate delinquencies from all credit bureaus And notify XXXX  of corrected information The continued reporting of unverifiable information is damaging my credit and violates the FCRA and Higher Education Act 485A.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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:
The entry reflects inaccuracies and an incomplete account of my financial habits. I respectfully request a full review and amendment.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: CA

Complaint narrative:
The issue is PNC Bank 's failure, as the acquiring bank, to investigate and compel compliance from its merchant client ( XXXX XXXX XXXX ) regarding a confirmed refund transaction identified by a valid Acquirer Reference Number ( ARN ). 

XXXX. My credit card issuer, XXXX XXXX, confirmed that the funds for the original purchase ( Order # XXXX ) were successfully sent to XXXX XXXX ( the acquiring bank for the merchant, XXXX XXXX XXXX ) on XX/XX/2025. 

XXXX. As confirmed in their previous response to CFPB complaint XXXX filed on XX/XX/2025, XXXX XXXX  provided the Acquirer Reference Number ( ARN ) as irrefutable proof of the successful refund transaction routed to PNC Bank XXXX XXXX. 


XXXX. The merchant, XXXX XXXX XXXX ( confirmed merchandise return received XX/XX/2025 ), is refusing to use the ARN to trace the funds and complete the refund of {$3400.00}, stating an irrelevant dispute is unresolved. 

XXXX. As the merchant 's bank, PNC Bank has a regulatory obligation to ensure its merchant client properly processes funds received via the card network. PNC Bank must use the ARN to trace the incoming funds to the relevant merchant account and compel the merchant to finalize the credit. 

I request the CFPB to compel PNC Bank to use the provided ARN to investigate its merchant account ( XXXX XXXX XXXX ) and ensure the resulting refund of {$3400.00} is immediately processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Dispute this when the credit bureaus found that the is discharged and written off. The debt collector is attempting to collect this debt that's written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-02 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:
The data reported does not fully or accurately represent my financial history. I hereby request a formal review and amendment to ensure accuracy.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address inaccuracies in my personal information on my credit report, which are causing difficulties with my credit applications and resulting in significant frustration. 
These errors must be corrected to ensure the report reflects accurate details.

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 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I opened a high-yield savings account with Open Bank after receiving an inheritance. After consulting with financial advisors, I requested to have the money transferred back to my checking account ( from which the funds came ) and they had blocked the account. I called their only customer service line and was told I needed to give them 60 days to review (? ) before they unblocked the account. It has been over 50 days now. Every inquiry I make, I am told a manager will call me back, and they never do. They are holding my money indefinitely and refuse to provide a reason. It strikes me as egregiously unethical, if not fraudulent, and certainly deceptive.

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 2025-12-02 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: CA

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting. 

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards. 

Please provide a written response detailing the results of your investigation within 30 days, as required under the FCRA. If any item remains on my report, kindly include the name and contact information of the entity that verified its accuracy.

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 2025-12-02 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: MI

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with non-monetary relief