vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX : When I reviewed my credit report recently, I was surprised to see late payments XX/XX/year> reported on my account. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-09-04 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct 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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, a report was made with XXXX  and XXXX  to dispute the fact that the account and debt did not belong to me. I sent another report on XX/XX/XXXX to dispute this again. It is a collection that Portfolio Recovery Associates does not own and does not have legal right to own. on XX/XX/XXXX I also requested a reasonable investigation within 30 days tke place as outlined in the FCRA Section 623 by FACTA 312 809 ( b ), 115USC 1681 and 15 USC 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
I submitted an Income-Driven Repayment ( IDR ) application with XXXX  and selected the PAYE repayment plan, which was the only option available to me at the time. Despite this, I was informed that my application was denied, and without my consent, XXXX placed my loans into forbearance from XX/XX/XXXXXXXX  through XX/XX/XXXX. 

I did not request or authorize this forbearance. I made a payment of {$1100.00} in XX/XX/XXXX, explicitly for the purpose of paying down accrued interest during my grace period in order to prevent interest from capitalizing at the end of the grace period. I clearly communicated this to multiple XXXX  representatives. Despite these efforts, the forbearance was applied without my knowledge, and my repayment start date is now incorrectly showing as XX/XX/XXXX, which delays repayment and increases interest costs. 

I have contacted XXXX multiple times, but their representatives have provided conflicting information, have refused to correct the forbearance, and have not provided my repayment schedule as requested. 

I am requesting the CFPBs assistance to ensure that : The unauthorized forbearance is removed My {$1100.00} payment is properly applied to unpaid interest only My enrollment in the PAYE plan is processed correctly A full repayment schedule is provided This mishandling has caused significant confusion and could result in unnecessary interest capitalization and delayed repayment.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-04 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing this complaint regarding fraudulent accounts that were opened in my name with Capital One. These accounts were not authorized by me and have been previously disputed with Capital One multiple times. Despite providing documentation and notifying them that these accounts were fraudulent, Capital One has refused to remove them from my credit file. 
When I contact Capital One, they only show a record of one of the accounts but have no record of the second account. Despite this, both continue to appear as negative items on my credit report. This has happened multiple times, leaving me unable to resolve the issue directly with Capital One. 
The accounts in question have already been paid in full, yet they continue to report negatively, severely damaging my credit and preventing me from accessing financial opportunities. I am requesting immediate removal of these fraudulent accounts from all three credit bureaus ( XXXX XXXX XXXX XXXX ), along with written confirmation once these items have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX  has inaccurately reported a 30-day late payment for XX/XX/XXXX on my mortgage account. This reporting is false, misleading, and damaging to my credit. 
On XX/XX/XXXX, I purchased a cashiers check in the amount of {$4100.00} from XXXX XXXX XXXX, payable to XXXX XXXX XXXX. I immediately sent this payment via XXXX XXXX XXXX, tracking number [ insert number ], scheduled for delivery on XX/XX/XXXX. 
Despite my timely payment, XXXX failed to deliver overnight and instead took 3 days. This delay was entirely the fault of XXXX, not me. As a result, XXXX XXXX XXXX  reported my account as 30 days late across all three major credit bureaus ( Experian, Equifax, TransUnion ). 
This reporting is : Factually inaccurate The payment was initiated on time. 
Misleading It implies consumer fault when the delay was caused by the postal carrier.

In violation of FCRA 15 U.S.C. 1681e ( b ) furnishers must report with maximum possible accuracy.

In violation of FCRA 1681s-2 ( a ) creditors can not furnish information they know ( or should know ) is inaccurate. 
Courts have held in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) that reporting technically correct but misleading late payments is a violation of the FCRA.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX  has inaccurately reported a 30-day late payment for XX/XX/XXXX on my mortgage account. This reporting is false, misleading, and damaging to my credit. 
On XX/XX/XXXX, I purchased a cashiers check in the amount of {$4100.00} from XXXX XXXX XXXX, payable to XXXX XXXX XXXX. I immediately sent this payment via XXXX XXXX XXXX, tracking number [ insert number ], scheduled for delivery on XX/XX/XXXX. 
Despite my timely payment, XXXX failed to deliver overnight and instead took 3 days. This delay was entirely the fault of XXXX, not me. As a result, XXXX XXXX XXXX  reported my account as 30 days late across all three major credit bureaus ( Experian, Equifax, TransUnion ). 
This reporting is : Factually inaccurate The payment was initiated on time. 
Misleading It implies consumer fault when the delay was caused by the postal carrier.

In violation of FCRA 15 U.S.C. 1681e ( b ) furnishers must report with maximum possible accuracy.

In violation of FCRA 1681s-2 ( a ) creditors can not furnish information they know ( or should know ) is inaccurate. 
Courts have held in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) that reporting technically correct but misleading late payments is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, Mr. Coopers representatives explicitly told me that my account was approved for a payment deferral. I was instructed to make a payment of {$2100.00}, which I did immediately. The servicer accepted my money under this representation. Later, they reversed course and claimed my deferral was denied. Despite admitting to this error, the company has neither refunded my money nor applied it properly under the promised program. This is more than confusion it is a serious violation of federal servicing law and consumer protection statutes : 12 C.F.R. 1024.41 ( Regulation X, RESPA ) prohibits servicers from providing false or misleading information about the availability of loss mitigation options. Mr. Cooper affirmatively misrepresented that I was approved for a deferral. 12 C.F.R. 1024.38 ( b ) ( 2 ) ( i ) requires servicers to maintain policies ensuring accurate information is given to borrowers. Multiple agents telling me I was approved proves they failed this duty. 12 U.S.C. 5531 & 5536 ( XXXX XXXX, XXXX provisions ) prohibits unfair, deceptive, or abusive acts or practices. Taking my payment under the promise of deferral, then reversing it without refund or correction, is both deceptive and unfair. State Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) prohibits misrepresentation and unconscionable business practices in connection with financial transactions. Accepting funds based on false approval squarely falls under this. Contract/Servicing Obligations Once the servicer communicated approval and accepted funds, they created an obligation to honor the program terms or promptly refund. Retaining the money without honoring the promised deferral constitutes unjust enrichment and breach of duty. This conduct caused me direct financial harm. I relied on their approval to my detriment, and I remain at risk of foreclosure because the servicer misled me. I request CFPB to look into this complaint, compel Mr. Cooper to produce all call recordings, internal servicing notes, and payment application records, and ensure corrective action, including : Application of my payment under the deferral terms I was promised, or A full refund of funds wrongfully taken under false pretenses. This was not a clerical error it was a violation of federal servicing law, unfair and deceptive servicing, and consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was charged twice by XXXX XXXX for a yearly membership renewal first on XX/XX/XXXX, and again on XX/XX/XXXX, for the same amount. I did not authorize either charge. I only have one XXXX membership, and I never agreed to a renewal. The second charge caused my account to overdraft, leading to a {$35.00} overdraft fee on XX/XX/XXXX. I reported this to Wells Fargo on XX/XX/XXXX as an unauthorized transaction. 

Wells Fargo denied my fraud claim just XXXX calendar days later before the 10-business-day window under Regulation E and did not issue a provisional credit. They also failed to provide a written explanation or the results of their investigation. I was told I would receive a denial letter within 30 calendar days, which delays my right to review or respond. 

This dispute is urgent because I have a pending auto-withdrawal for car insurance, and the duplicate charge and overdraft fee have jeopardized my ability to cover that payment. Wells Fargo is aware of this and their denial, without following Regulation Es timelines or procedures, directly increases the financial harm I face. 

This is also a repeated issue. In XXXX, Wells Fargo issued a provisional credit for the same type of unauthorized charge from XXXX XXXX. The banks handling this year is inconsistent and appears to ignore both my rights and their own internal precedent.

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 2025-09-04 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found multiple accounts on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also that my information has exposed in the XXXX data breach and I'll provide proof of that as well. Please remove these accounts from my credit report and soon as possible. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
Despite submitting all required documents multiple times SPS repeatedly requested the same paperwork. I complied each time, but this unnecessary repetition delayed the process and created significant stress for my household. 

-Worse I was making steady monthly payments and even trying to pay extra to catch up. I was close to being current. In XX/XX/year> SPS blocked me completely they told me they wouldnt accept any payments, and if I mailed a check, they would return it. However, SPS refused to accept any payments from me. This decision made my situation significantly worse. In that same month, I received a foreclosure referral letter. When I called SPS to ask why this was happening. I was told I now had to apply for a mortgage assistance review. 

As a result of this payment block, I fell further behind not because I failed to pay, but because I was not allowed to. Then, SPS told me I was required to apply for mortgage assistance due to my account status. This situation was entirely avoidable if they had simply allowed me to make payments. I was not allowed to make any mortgage payments at all not even during the assistance application process. Despite my willingness and ability to pay, SPS completely blocked all payment attempts. As a result of this, I am now significantly more behind on my mortgage than before, making it even harder to catch up. 

Eventually, they issued a monthly payment offer that was completely unaffordable based on my current financial situation. I submitted an appeal and provided additional documentation, including detailed records of my household expenses, which I believe were not properly reviewed. Despite my repeated requests for a thorough reevaluation, there has been no resolution or meaningful response. 
I am requesting that your office review this matter and assist in ensuring a fair and accurate reassessment of my application and financial situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo denied my Federal Rights under the Garn-St Germain Depository Institutions Act. The mortgage-holder, my mother, is recently deceased. I am the beneficiary. I was approved as the successor in interest on the loan. My name is on the deed as the Acceptance of the Transfer on Death Instrument was recorded with the County Clerk 's office. The home has been my primary residence for 30+ years and I DO NOT require financial assistance with the mortgage. Wells-Fargo has denied me online access to the account without my name being on the account. I was advised by a member of Wells Fargo 's assumption department ( XXXX XXXX XXXX # XXXX ) that the only way to get my name on the loan is to apply for a loan assumption which would require fees, closing costs and a full credit worthiness review.

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