vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I filed a dispute with XXXX XXXX regarding an inaccurate item on my credit report from [ Department of education ], account number beginning in XXXX ]. The item is inaccurate because of the FCRA Section 605 This inaccurate reporting is negatively impacting my credit and I request that the CFPB assist in ensuring this matter is resolved fairly and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Since the resumption of federal loan payments I have received little to no contact last time I called they said I was in forbearance until 2040 but nothing in writing. I am having trouble logging in with my credentials and when you call for assistance there is a long wait then a disconnection once someone finally comes to the phone.lack of transparency and accountability has caused undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$3300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$19000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$2200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$240.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance : {$1200.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$470.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  XXXX VIA DEALER Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL for {$360000.00}, financed through Cardinal Financial. At closing, Cardinal estimated my property taxes at {$2600.00} based on the previous owner 's homestead exemption. They failed to disclose that the exemption would be removed upon transfer of ownership. As a result, my actual XXXX property tax bill was {$6000.00}, creating an escrow shortage of {$6400.00} and requiring a lump-sum payment of {$3000.00}. My mortgage payment increased drastically to {$2400.00}. This constituted a material misrepresentation and a failure to provide accurate disclosures in violation of the Real Estate Settlement Procedures Act ( RESPA ), which requires lenders to provide good faith estimates and clear disclosure of escrow liabilities. 

Additionally, Cardinal approved the loan using an inflated appraisal. The countys XXXX XXXX XXXX XXXX for the property is {$290000.00}, and an identical home next door ( XXXX XXXX XXXX XXXX XXXX sold in XXXX for {$330000.00}. This raises serious concerns of appraisal inflation or negligence, a practice that may violate XXXX and the XXXX XXXX and Evaluation Guidelines. 

I have made multiple attempts to resolve this directly with the lender. I requested a formal explanation of the appraisal process, the escrow estimate, and how such a substantial miscalculation occurred. Their responses were inadequate, generic, and dismissive. 

I am requesting CFPB intervention and investigation into : XXXX exemptions are used in escrow estimation without proper disclosure. 
The inflated appraisal was used to approve the mortgage. 
Deceptive marketing of no-cost refinancing when hidden costs were embedded in escrow. 
Failure to meet RESPA and XXXX disclosure requirements. 

I seek a full audit and written explanation from Cardinal, restitution for the escrow deficit, and assistance with refinancing under accurate terms. These practices have caused serious and ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I submitted a legal dispute to Equifax, including a clear, legible copy of my drivers license and utility bill to confirm my identity.

Despite this, Equifax responded by saying the documents were not acceptable or legible. This is a stall tactic and violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ).

I have done my part in good faith, and Equifax is obstructing the dispute process. I demand this be investigated and that they are held accountable for refusing to process my dispute as required by federal law. They have done this numerous times. I am tired of having my rights violated by these XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-05 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:
My other two credit reporting agencies XXXX and XXXX XXXX have updated my report and are fairly current. Experian refuses to keep my accounts current. They are behind two months at least.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is also reporting the same charge-off from XXXX XXXX XXXX XXXX ( Account No. XXXX ) with a balance of {$3700.00}, as well as a hard inquiry from the same entity on XXXX. This duplication not only indicates a lack of internal data reconciliation but strongly suggests that Experian is failing in its duty to ensure the integrity of consumer records, as required by 15 USC 1681e ( b ). The accounts charged-off status should preclude the need for further inquiries unless new credit applications were submittedwhich I did not authorize or initiate. It is unclear why Experian continues to associate both derogatory and inquiry data from the same creditor without confirming if such reporting is even lawful or factually correct. These are the types of inconsistencies that often result from data breaches or misreporting, and they create confusion and unjustified harm in my consumer file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I paid someone for the materials needed to do some home maintenance thru cash app the person never showed up to so the job I requested a refund for the amount sent bit the person refused I reported it to cash app but they just said all I can do is ask him to send the money back. I did file a police report online and the report # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: OH

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

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 2025-05-05 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: WV

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I received an alert from XXXX XXXX. The alert stated I have a new inquiry on my credit. 
This is the second fraud activity from this company. First time the company employee, told me that it will not happen again. I immediately called them and spoke a woman in the security account area. She guarantee told me that I didn't have an account with Barclay. The next day, XXXX XXXX alert me to verify a new account for {$10000.00} dollars Barclays Bank Delaware. I called this company and cancel the fraud account. This occurred two times once XX/XX/XXXX and XX/XX/XXXX a fraud account from this Barclay Bank Delaware Company.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Ignored FCRA, Failed to Verify Ref # XXXX This is a follow-up to my original CFPB case ( Ref # XXXX ) submitted on XX/XX/year>. Experian verified multiple disputed late payments from XXXX without providing a Method of Verification ( MOV ) or any supporting documentation, violating multiple sections of the FCRA. 

Experian 's response was a generic form letter with no evidence of a reasonable investigation, no contact info for the furnisher, and no proof the dispute was handled properly. This violates : 1681i ( a ) ( 1 ) ( A ) No reasonable reinvestigation 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable info 1681i ( a ) ( 6 ) ( B ) No Method of Verification 1681e ( b ) Failure to ensure accuracy This matches a known pattern of noncompliance by Experian. The CFPB has taken action in past lawsuits for similar conduct, and this reflects ongoing FCRA violations.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-05 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: MA

Complaint narrative:
All three credit bureausXXXX Experian, and XXXX reporting a late payment on my DEPT OF EDXXXX federal student loan account ( Account No. XXXX ) with a balance of {$25000.00}. This account is federally managed, and any delays or deferments related to administrative processing, pandemic relief ( e.g., CARES Act ), or forbearance periods should not be reflected as delinquent. Given the numerous delays, pauses, and updates related to federal student loan servicing in recent years, it is highly probable that this late payment was reported in error or without fully considering the updated federal policy guidelines. Reporting a past due status during a federally protected period violates 15 USC 1666b, which governs the fair reporting of payment timing and the right to dispute billing errors. Moreover, continuing to reflect derogatory information on a {$0.00} past due balance without contextual accuracy is deeply misleading.

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block Ine ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-05 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
I bought a car at XXXX through XXXX Bank XX/XX/XXXX. The car was totaled XX/XX/XXXX. My XXXX company XXXX XXXX and XXXX XXXX XXXX through XXXX paid off the car. I received a check in the mail for XXXX dollars for an overpayment from XXXX. I then get a call in XXXX stating that I owe XXXX XXXX dollars becuthe car wasnt paid off although it was paid off by my insurance and gap insurance. I asked them to mail me a breakdown of payments to which hey never did. Now there is a balance owed on my credit report for XXXX dollars to Jefferson Capital Systems for XXXX that has already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo withdrew {$17000.00} from my personal checking account ( last four digits XXXX ) without my authorization to pay off a Wells Fargo business credit card ( account ending in XXXX ). I did not open this business credit card and previously reported it as fraudulent in XXXX. I submitted a police report and presented documentation of identity theft to a Wells Fargo branch at that time. A fraud claim was filed under claim number XXXX. Despite being a loyal customer with over 10 years of banking history and no prior issues, these funds were taken without valid consent or resolution of the fraud report. I am seeking immediate reimbursement of the {$17000.00} and a full investigation into how this unauthorized transaction occurred.

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 2025-05-05 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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