vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
Said my account was shut down to going against policy of cash app. I was sleep and received money from some one I dont know when I woke up and my account was shut down due to saying I went against policy. I called and asked but wasnt given any other information except my account is closed. That the appeal would take up to 30 days to be resolved. I work and help other people buy going to store getting their groceries and food and stuff. I dont do any illegal activities. I shop online with my card and pay bills. I dont understand this. Ive had my account since they started cash app. Just to be closed without any notice or notification or talking to understand is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I booked a XXXX  stay on my debit card. I then closed the account linked to debit card. I then opened a new account with Wells Fargo. I then cancelled my stay at the vrbo. XXXX then refunded my money to the old account on XXXX XXXX XXXX  Wells Fargo confirmed they received my money into the old account XXXX XXXX XXXX. Wells Fargo then held my money until XX/XX/year>. On this day, they returned my money to the correct new account I had opened with them, but also took it upon themselves to instantly take the money back out of my account. I have since tried to get this money returned by filing more complaint with them, and they have admitted the credit was in error, but they still have not returned my money yet again. Something needs to be done, this was {$1700.00} and I need that money now, not to be faked out in another month and a half.

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 2025-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States
I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received my XXXX  credit report and it has like 17-19 items in correct and also addresses that dont belong to me and also emails also that dont belong to me. Someone of a similar name if you asked me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
Issue : Debt collector reported information without proper verification Company : Synergetic Communication Summary : Synergetic Communication is reporting a {$640.00} collection account from XXXX XXXX of XXXX. I submitted a dispute and demand for debt validation, but they failed to provide supporting documentation or legal proof of debt ownership. 
They continue to report the account despite not verifying it, which violates FDCPA 809 ( b ) and FCRA 623 ( a ). Additionally, if the account is medical-related, this could involve improper handling of private medical data. 
I am requesting that CFPB compel deletion of this account and hold the agency accountable for noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against EXPERIAN for inaccurately and unlawfully reporting an account from XXXX XXXX  on my EXPERIAN credit report. The account in question, with the account number XXXX and an opening date of XX/XX/XXXX, is being reported without my authorization, consent, or proper verification. I have no knowledge of this account, never opened it, and have never maintained any financial relationship with XXXX XXXX  under this account number. I believe the presence of this account on my credit file is either the result of identity theft or a serious reporting error. 

Despite submitting a formal dispute and reinvestigation request to EXPERIAN under the Fair Credit Reporting Act ( FCRA ) 1681i, the account remains on my file. EXPERIAN has failed to provide any documentation validating the accounts legitimacy, including a contract bearing my signature, a clear demonstration of a permissible purpose under FCRA 604 ( a ), or proof of direct communication with the original creditor. The report contains additional discrepancies, including an alleged late payment in XX/XX/XXXX and inconsistencies in dates of last activity and reporting. This information is damaging to my credit profile and is not supported by any certified or verifiable evidence. 

Under the FCRA and FACTA, I am exercising my right to demand deletion or blocking of this account. EXPERIAN is legally obligated to ensure all information furnished is accurate, complete, and verifiable. I also request documentation of any communications between EXPERIAN and the original data furnisher, as well as all evidence used to determine that this account should remain on my report. This accounts continued appearance on my file is causing serious harm to my credit score and impeding my ability to obtain housing, financing, and other essential services. I have included supporting documentation, including a copy of my credit report and an FTC Identity Theft Report ( Report No. XXXX ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, compel Experian to comply with its federal obligations, and ensure the permanent deletion of the XXXX XXXX  account from my credit file. I further request confirmation of corrective actions taken by EXPERIAN and that all inaccurate or unverifiable data related to this account be fully removed from any future 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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am writing to formally raise a concern regarding my mortgage account, which was transferred from XXXXXXXX XXXX XXXXo XXXX Mortgage effective XX/XX/year>. 

Prior to the transfer, I made two additional principal payments to XXXX totaling $ XXXX on XX/XX/XXXX and another on XX/XX/year>. These payments were made before I received any notification of the upcoming transfer. 

Since the transfer, XXXX Mortgage shows my loan balance as if those additional payments were never made. When I contacted XXXX, I was informed that they had not received these payments from XXXX. However, XXXX representatives have repeatedly assured me that the payments were both received and processed correctly. 

This discrepancy is causing significant confusion and concern. I respectfully request that this issue be investigated and resolved promptly by confirming the proper transfer and application of my payments to XXXX Mortgage. I am also requesting written documentation from XXXX confirming the receipt and processing of the {$40000.00} in payments, as well as a confirmation from XXXX once the loan balance has been accurately updated. 

Please treat this matter as urgent, as it directly affects my financial records and loan obligations. I would appreciate your prompt attention and a clear resolution to this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC
State: TX

Complaint narrative:
I have previously filed a complaint with CFPB about this issue, and it appeared to be resolved. It was removed from my credit reports. Now another collection agency is contacting me regarding the same matter. The original complaint filed with CFPB is XXXX. There you will find the details of the matter as well as the uploaded files showing all my attempts to get this resolved- with the original business, their parent company, and the first collection agency. 

I have written the latest collection agency, filled out their form, enclosed all correspondence, and informed them that I would be filing another complaint with CFPB. 

When a matter is resolved, it shouldn't be passed to another collection agency, but instead should be permanently deleted. Please let me know how this matter can be permanently resolved.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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: MOHELA
State: GA

Complaint narrative:
I am currently enrolled in auto-pay and have been making every effort to aggressively pay down my student loans. However, MOHELA has repeatedly obstructed these efforts. Beginning XX/XX/year>, my auto-payments were unilaterally reduced without my knowledge or consent. 

Since then, I have attempted multiple times to increase my payments through the website, but the system consistently fails to process my requests. It simply does not allow me to make adjustments. When I try to seek assistance by phone, I am placed on hold for hoursoften over fourand ultimately disconnected without ever speaking to a representative. 

These barriers appear to be deliberately designed to prevent borrowers from paying off their loans efficiently, thereby maximizing the interest accrued. This conduct is deeply concerning, and it undermines the integrity of the loan servicing process. Immediate attention and corrective action are urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report with all my banking and information was exposed to third parties without my consent.

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 2025-05-19 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: GA

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Deletion of Inaccurate Charge-Off Accounts To Whom It May Concern, I am writing to formally dispute the accuracy and legality of two accounts listed under the name XXXX XXXX on my TransUnion credit report. The details of the accounts are as follows : - Account # XXXX - Account # XXXX Both accounts are listed as charged off with an outstanding balance, despite a 1099-C cancellation of debt having been issued. This indicates that the creditor has forgiven or discharged the debt and claimed it as income to the IRS. Per IRS regulations and the Fair Credit Reporting Act ( FCRA ), reporting a balance after issuing a 1099-C may constitute double jeopardy and is legally inaccurate. 
As these accounts no longer reflect a valid obligation and may be misleading to third parties, I hereby demand immediate deletion of both accounts from my credit file. 
Failure to delete these accounts promptly may be considered willful noncompliance with the FCRA and could result in a legal claim for punitive damages.

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 2025-05-19 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: IN

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 non-monetary relief
Consumer complaint received 2025-05-19 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:
XXXX XXXX, EQUIFAX, EXPERIAN AND TRANSUNION ARE ALL REPORTING MY XX/XX/year> CREDIT CARD PAYMENT INCORRECTLY. THIS WAS PAID BEFORE 30-DAYS. MULTIPLE REQUESTS MADE BUT NO RESPONSE OR PROOF. ANOTHER EXAMPLE OF THE AGENCIES NOT FOLLOWING THE LAW AND PROVIDING PROOF.

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 2025-05-19 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: Experian Information Solutions Inc.
State: IN

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 2025-05-19 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: EQUIFAX, INC.
State: IN

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 explanation