vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: WA

Complaint narrative:
Dear XXXX XXXX XXXX : This letter is a Notice of Error and Request for Information under 12 U.S.C. 2605 ( e ) ( RESPA ). 
Errors Identified Payments Misapplied Mortgage payments of {$4000.00} were made XXXX 2025. 
XXXX statements confirm receipt, yet balances were advanced to escrow and misapplied as past due, resulting in false delinquency reporting. 
Improper Escrow Handling Escrow disbursements for taxes ( {$4300.00} ) and insurance ( {$2800.00} ) were advanced despite a shortage. 
Rather than properly spreading the shortage, XXXX carried forward a delinquent status, charged late fees, and transferred that error to XXXX. 
False Transfer Ledger PHHs XX/XX/year>2025 statement shows the loan as five months past due ( presently due for XX/XX/year>2025 ) with {$20000.00} past due. 
This is inaccurate and conflicts with my payment history. 
Credit Reporting Risk Any delinquency reporting based on these servicing errors would constitute a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. 
Required Actions Correct the loan history to reflect on-time payments XXXX 2025. 
Remove all late fees, shortages, and delinquency entries resulting from escrow advances. 
Provide a corrected account ledger from XX/XX/year>2025 to present. 
Confirm in writing that no negative credit reporting has occurred, or if reported, that corrections will be submitted immediately to all credit bureaus. 
Compliance Pursuant to RESPA, acknowledgment is required within 5 business days and a complete written response within 30 business days. 
Please direct all responses to my mailing address above. 
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 explanation
Consumer complaint received 2025-09-16 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: WA

Complaint narrative:
Dear XXXXXXXX XXXX XXXX : This letter is a Notice of Error and Request for Information under 12 U.S.C. 2605 ( e ) ( RESPA ). 
Errors Identified Payments Misapplied Mortgage payments of {$4000.00} were made XXXX 2025. 
XXXX statements confirm receipt, yet balances were advanced to escrow and misapplied as past due, resulting in false delinquency reporting. 
Improper Escrow Handling Escrow disbursements for taxes ( {$4300.00} ) and insurance ( {$2800.00} ) were advanced despite a shortage. 
Rather than properly spreading the shortage, XXXX carried forward a delinquent status, charged late fees, and transferred that error to XXXX. 
False Transfer Ledger XXXX XXXXXX/XX/year> statement shows the loan as five months past due ( presently due for XX/XX/year>2025 ) with {$20000.00} past due. 
This is inaccurate and conflicts with my payment history. 
Credit Reporting Risk Any delinquency reporting based on these servicing errors would constitute a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. 
Required Actions Correct the loan history to reflect on-time payments XXXX 2025. 
Remove all late fees, shortages, and delinquency entries resulting from escrow advances. 
Provide a corrected account ledger from XXXX 2025 to present. 
Confirm in writing that no negative credit reporting has occurred, or if reported, that corrections will be submitted immediately to all credit bureaus. 
Compliance Pursuant to RESPA, acknowledgment is required within 5 business days and a complete written response within 30 business days. 
Please direct all responses to my mailing address above. 
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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I received a letter in the mail that I signed up for overdraft protection on XX/XX/year>. I had no knowledge of the checklist account that was referenced in the letter. I called the company, and they were able to close the account as a fraudulent account.

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 2025-09-16 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
b'I received a Debt Collection letter from this law firm XXXX XXXX XXXX XXXX XXXX informing me that they are deemed a debt collector in a response letter dated XXXX XXXX XXXX, which I received on XXXX XXXX XXXX regarding an alleged debt related to a real estate loan serviced by XXXX XXXX XXXX XXXX XXXX XXXX, with the account number ending in XXXX. That they may use any information that I provide them to help collect the debt. They stated that the total amount owed to XXXX XXXX XXXX is $XXXX. According to their threat, I must write back to them by XXXX XXXX XXXX, to dispute all of the debt and order to stop collection on any amount thats being disputed until they can provide valid proof of documents that shows the debt is valid and that they accept disputes at: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Here is my U.S. Certified Mail Receipt with Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was processed on XXXX XXXX XXXX with my enclosed Debt Dispute and Demand for Information letter, Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I hereby dispute the validity of this alleged debt in its entirety and demand verification and validation of the debt.'

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I went to the us bank website, and it stated that it does pre approval. I clicked on the link saying see if Im pre approved. Filled out the information, then I submitted and it didnt pre approve me saying I will receive a letter in the mail. I then got a hard inquiry on my XXXX files and froze my other files to prevent further inquiries from them. I never agreed to submit an application only a pre approval. The website is very misleading and those not provide information that explains in clear language or instructions so that you understand what youre submitting. This has affected my life as this can affect my credit profile.

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 2025-09-16 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: TX

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 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 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: FL

Complaint narrative:
I am disputing a {$7200.00} collection reported on my credit file by Professional Debt Mediation for XXXX at XXXXXXXX XXXX ( RD/SNS Multifamily ). Despite my dispute, the bureau continues to report the account as Placed for collection / Account information disputed by consumer ( see Exhibit XXXX ). The furnisher has not provided validationno signed lease, no itemized accounting, and no proof of assignment. Simply flagging an account as disputed is not sufficient under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a {$7200.00} collection reported on my credit file by Professional Debt Mediation for XXXX at XXXXXXXX XXXX ( RD/SNS Multifamily ). Despite my dispute, the bureau continues to report the account as Placed for collection / Account information disputed by consumer ( see Exhibit XXXX ). The furnisher has not provided validationno signed lease, no itemized accounting, and no proof of assignment. Simply flagging an account as disputed is not sufficient under FCRA 611.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I was charged for an order from XXXX  that I never received. Pay pay and XXXX refused to make it right {$81.00} has wrongfully been taken from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are late payment records listed on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all data included in my report must be accurate, complete, and capable of verification. I am requesting that each of these late payment entries be investigated and verified. If verification is not possible, I respectfully request that they be corrected or removed entirely.

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 2025-09-16 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: WV

Complaint narrative:
On XX/XX/year> I contacted the DOE to report fraud on my credit report as someone used my identity to obtain federal student funds in the form of a Pell and received an overpayment. This person went through XXXX XXXX XXXX XXXX in California, using my name and SS number to obtain federal student funds, and then defaulted on their Pell overpayment. This then showed up on my credit report. I live in West Virginia and have my whole life. I have never attended ANY college or trade school. I did not apply for student aide of any kind, ever. I completed the loan discharge application for forgery with the DOE and sent all requested documents to prove my identity. Which makes me wonder how someone obtained these funds in the first place if I have to provide documents, why didn't they? I also completed and sent a copy of my report made to the federal trade Commission ID Theft affidavit along with proof of filing. A police report was made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX California XXXX also on XX/XX/year> and a copy of this report was sent to the DOE. XXXX XXXXXXXX XXXX XXXX has taken no responsibility in this matter. Their stance is that once someone applies for federal aide it is out of their hands. But my question is how does someone attend ANY school without proper identification and proof. How does the school then keep these funds that were obtained fraudulently, as the school would have received funds for this student, who misrepresented themselves and stole my identity in order to receive said funds? The Pell overpayment is the portion of these funds in question, so where did the remainder of the Pell go? I do not see how the school is innocent in this process. If a student receives a Pell, wouldn't the funds go to the school to pay for tuition, etc. with the overpayment going to the student? An overpayment occurs when the total financial aid received exceeds a student 's billed costs or funds are in excess of what you are eligible for ; in these cases, the school sends the excess funds to the student. So again, how is the school not responsible? It is my understanding that the school must determine the cause of the overpayment and take action to fix it.

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 2025-09-16 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: WV

Complaint narrative:
On XX/XX/year> I contacted the DOE to report fraud on my credit report as someone used my identity to obtain federal student funds in the form of a Pell and received an overpayment. This person went through XXXX XXXX XXXXXXXX XXXX in California, using my name and SS number to obtain federal student funds, and then defaulted on their Pell overpayment. This then showed up on my credit report. I live in West Virginia and have my whole life. I have never attended ANY college or trade school. I did not apply for student aide of any kind, ever. I completed the loan discharge application for forgery with the DOE and sent all requested documents to prove my identity. Which makes me wonder how someone obtained these funds in the first place if I have to provide documents, why didn't they? I also completed and sent a copy of my report made to the federal trade Commission ID Theft affidavit along with proof of filing. A police report was made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX California XXXX also on XX/XX/year> and a copy of this report was sent to the DOE. XXXX XXXXXXXX XXXX XXXX has taken no responsibility in this matter. Their stance is that once someone applies for federal aide it is out of their hands. But my question is how does someone attend ANY school without proper identification and proof. How does the school then keep these funds that were obtained fraudulently, as the school would have received funds for this student, who misrepresented themselves and stole my identity in order to receive said funds? The Pell overpayment is the portion of these funds in question, so where did the remainder of the Pell go? I do not see how the school is innocent in this process. If a student receives a Pell, wouldn't the funds go to the school to pay for tuition, etc. with the overpayment going to the student? An overpayment occurs when the total financial aid received exceeds a student 's billed costs or funds are in excess of what you are eligible for ; in these cases, the school sends the excess funds to the student. So again, how is the school not responsible? It is my understanding that the school must determine the cause of the overpayment and take action to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a loan for the amount of : {$140000.00} on XX/XX/XXXX. Tried to make withdrawals and wire transfers from the account on XX/XX/XXXX. The account was " frozen '' and turned into a " deposit '' only account as they're investigating the funds as " suspicious. '' After trying to work it out with them for over 2 weeks. ( They have never reached out and just told me to wait for the investigation. ) I still don't have access to the funds. I have also requested to close the account, which they said is only possible after their internal investigation. 

The amount received was a loan, and I am already late on payment due to the fact that I don't have access to the account.

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 2025-09-16 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: CA

Complaint narrative:
please check the information concerning the equifax data breach that's affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
I going threw a rough patch an no one would help me at a XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief