vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Hi, When I was going in for a loan they seen some student loans already on my account. I dont have any student loans on my account. So I contacted XXXX XXXX about XX/XX/XXXX disputing it. I then just recently got the report back saying that the report is true. The report say I have about XXXX in student loans, but that is my brothers he has about XXXX I dont know why that is showing up on my report or if that is a totally different loan. I also contacted fasfa, nelnet which is shown to be the provider of the loan, and XXXX XXXX XXXX department which all told me their isnt any loans under my name on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
work got slow and i wasn't able to make my payments and etc

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 2025-11-19 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 writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my XXXX XXXX, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX  Date Reported : XX/XX/XXXX Amount : {$410.00} Issue : Please verify and update the account status if incorrect. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$160.00} Issue : Inaccurate reporting. Please verify and ensure correct status. 

XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$530.00} Issue : Inaccurate reporting. Please confirm and adjust if necessary. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Amount : {$2400.00} Issue : Discrepancy regarding the account balance and status. Kindly verify and correct. 

Inquiries : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing this formal complaint due to multiple severe and compounded mortgage servicing errors by Citizens One that have led to the illegal XXXX XXXX of my loan and an unlawful threat of foreclosure. 
XXXX. Illegal Dual Tracking and Foreclosure Threat ( Regulation XXXX  Violation ) : The servicer authorized foreclosure on XX/XX/year>, despite my new complete loss mitigation application for assistance being active and submitted on XX/XX/year>. This constitutes a severe violation of the XXXX XXXX provisions of Regulation XXXX  ( XXXX CFR XXXX ). Furthermore, the promised application package to complete the process was never sent ( as of XX/XX/year> ), actively preventing me from moving forward. 
XXXX. Servicer Execution Failure ( Failed Modification ) : The prior loss mitigation attempt failed due to the servicer 's negligence, not my own. The mobile notary assigned by the servicer 's agent ( XXXX XXXX XXXX XXXX XXXX XXXX  ) failed to show up for the signing appointment on or around XX/XX/year>, directly preventing me from executing and returning the modification paperwork. 
XXXX. Improper Loss Mitigation Evaluation : When my forbearance ended ( it began XX/XX/year> and was extended through XX/XX/year> ), I explicitly requested a continued forbearance or payment deferral. The servicer ignored this request and unilaterally told me a modification was the " best option, '' forcing me into a plan I did not want, violating the obligation to evaluate my stated need. 
XXXX. Compounded Communication Failure : My ability to resolve the account was severely compromised by the XXXX  XXXX communication blackout during the critical XXXX-month period of XXXX and XX/XX/year>. This issue ( confirmed by FCC XXXX XXXX XXXXXXXX ) occurred precisely when I needed to secure an extension or final repayment option. 
I have submitted a Qualified Written Request ( QWR ) to Citizens One on XX/XX/year> and have engaged the XXXX XXXX XXXX XXXX. All supporting documents for these XXXX errors are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the 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 explanation
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my XXXX XXXX, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-19 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: MA

Complaint narrative:
I am disputing the accuracy of this charged-off account appearing on my TransUnion report. I have not received proper validation of this debt and believe the reporting XXXX be inaccurate or incomplete. I request TransUnion to verify all details with the furnisher and remove the item if it can not be validated in full accordance with the FCRA. 

Charged-Off Account : Collection Agency : COLLECTION Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX Date Reported : XX/XX/year> Amount : {$1100.00} Late Payments : Credit XXXX Bank Account XXXX ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX ( partial ) : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-19 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: Chime Financial Inc
State: KY

Complaint narrative:
I have been a Chime account member for years and have had no problems until recently. I woke up to XXXX missed email notification on my phone from Chime. It was saying someone signed into my ( app ) account and suggested I change my password if it wasn't me. So obviously knowing it wasn't me and something was going on, I go to log into my app. However an error message keeps popping up. Then I get kicked out of my account on the app as if I was logging out. Then I get another email notification saying my original email on the app was just changed. So now I'm completely scared and can't sign into my app and I'm calling Chime. I eventually find out some hacker got into my account and transferred all of my money out. This was on a Friday morning, by Sunday morning they have declined my dispute for the XXXX unauthorized charges and closed the case. So I call again to appeal that decision. This is my money and they should have the decency to make this right and give me my money back. I was saving up so my family would have a good Christmas this year. I have been a loyal customer since XXXX  but it seems to not matter when an issue arises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
There are XXXX accounts reporting to my credit file XXXX is XXXX XXXX XXXX  with a XXXX balance owed. I did not open this account. I have no knowledge of who may have opened it on XX/XX/XXXX. The XXXX Wells Fargo bank account has a balance of {$9800.00} yeah it was open on XX/XX/XXXX. I have submitted supporting documentation for my dispute..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at about XXXX a.m PST, I sent {$1600.00} to a man from XXXX, Maryland through my Cashapp account that was linked to my XXXX XXXX XXXX debit card. The man from XXXX, Maryland refused to use XXXX to receive the payment for the necklace and only wanted to use Cashapp because he understands that I can not dispute the transaction if something were to go wrong. {$1600.00} was for a XXXX XXXX, XXXX inch, XXXX necklace. The remaining {$50.00} was for overnight shipping. On XX/XX/year> at XXXX a.m. I received the package from XXXX, Maryland and upon opening the package, there was nothing inside except a piece of bubble wrapping. I called the man from XXXX, Maryland and reported the issue and this person claims that a XXXX employee has stolen the contents. I have been buying jewelry for almost XXXX  years from various sellers and merchants and I have been using the XXXX to receive my packages and I have never had a XXXX employee steal my items. Clearly the man from XXXX, Maryland had scammed me and was using a poor excuse to justify the package being empty. I filed a dispute with my bank at XXXX XXXX XXXX as well as with Cashapp. My bank is still investigating this situation but Cashapp has already responded to my dispute and has denied my dispute request. Cashapp claims they do not suspect any fraudulent activity from the man from XXXX, Maryland nor do they recognize any suspicious activity on his Cashapp account. However, as I previously stated, I have been buying jewelry for almost XXXX  years and I have never had a situation like this happen to me nor I have I ever had to file so many dispute or reports to various government agencies. On XX/XX/year> I have made a report with the United States XXXX XXXX XXXX Case Number : XXXX XXXX XXXXXXXX. On XX/XX/year> I have made a report with the XXXX XXXX of XXXX XXXX Case Number : XXXX and Reference Number : XXXX. On XX/XX/year> I have filed a police report with the XXXX Police Department Case Number : XXXX. On XX/XX/year> I have filed a report with the F.B.I ( XXXX Department ) Submission ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am writing to formally reiterate that I am a documented victim of XXXX  XXXX  and to address XXXX  failure to comply with the federally required timeframe for blocking fraudulent accounts associated with my case.As previously provided, I submitted all required documentation to Equifax, including proof of my XXXX  XXXX  victim status and evidence that several accounts were fraudulently opened in my name during the period in which I was XXXX. These documents were sent in accordance with the procedures outlined under the XXXX  XXXX XXXX  XXXX ( XXXX ) and the consumer protections amended under the Fair Credit Reporting Act ( FCRA ) for XXXX victims. Despite providing all necessary information, Equifax has not blocked or removed the fraudulent accounts within the mandated timeframe, nor provided a valid written explanation for the delay or refusal. This failure has caused continued harm to my financial recovery, emotional well-being, and ability to rebuild my life after victimization. Under federal law, Equifax is required to : XXXX. Block all information furnished by XXXX, including fraudulent accounts, collections, or inquiries. 
XXXX. Complete this blocking within XXXX business days of receiving the proper documentation. 
XXXX. Provide written notice if the block will not be applied, including the reason as permitted by law. 
To date, Equifax has not fulfilled these obligations. 
I am requesting immediate action to : - Block and remove all fraudulent accounts and negative information created as a result of my XXXX  situation ; - Confirm in writing that the block has been applied ; - Correct any records or reports tied to these accounts ; and - Cease all reporting or sharing of the fraudulent information moving forward. 
Please treat this matter as urgent and compliant with federal statutes protecting XXXX  XXXX XXXX. I expect written confirmation once the appropriate corrective actions have been taken. 
Thank you for your immediate attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am a joint account holder on a PNC Bank account. My ex-girlfriend, the other account holder ( not spoken in 6 years and 3 months ) has left the account open after our separation. She has repeatedly caused the account to go negative, and I have received notifications and charges that are not my responsibility. 

I have repeatedly requested that PNC remove me from the account, or at least freeze it, because I no longer authorize any activity. I have provided documentation of harassment and unauthorized activity from the other account holder. I also informed PNC that I do not want any remaining funds in the account, including a small balance of {$0.00}. 

Despite multiple attempts to resolve this, including showing PNC emails and requesting escalation, frontline staff have refused to remove me from the account. I was told that PNC will not act at this moment in time, leaving me at risk of further negative balances, overdraft fees, and financial liability for activity I did not authorize. 

I have attempted to protect myself by reversing unauthorized charges, requesting that overdraft and Courtesy Pay services be disabled, and escalating the matter to PNC corporate, but the bank has not taken action to legally protect me. 

I am submitting this complaint to the CFPB because PNCs refusal to remove me from the account is creating financial risk, stress, and potential liability despite my documented efforts to resolve the situation responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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: VA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be thoroughly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts 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

Company response to consumer: Closed with non-monetary relief