vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I forgot to include this in my last complaint with the criminals My monthly VA deposit, which comes on the 1st of every month, is supposed to be XXXX, which, according to the VA was deposited on XX/XX/XXXX, This is hard to believe since my account was closed on XX/XX/XXXX, I received a check in the mail from the thieves at USBANK for about {$3700.00} and some change last week. If the check that was mailed as supposed to be for the amount of XXXX and the account was supposed to be closed on XX/XX/XXXX, the numbers dont match. Could you ask the crooks for an explanation? 

I also got an over draft notice from USBANK at the end of XXXX, how does that work if the account was closed on the 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 2025-07-21 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: AZ

Complaint narrative:
b'"I sent a certified letter to Experian XXXX with a tracking numberXXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX Experian did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-21 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-21 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: PNC Bank N.A.
State: DE

Complaint narrative:
The company, both XXXX and XXXX denied any charge or order of this amount to me. XXXX gave me print out with only charge of {$410.00} on XX/XX/year> which XXXX issued immediately all the credits pertaining to this order since it wasnt authorized. XXXX hasnt any charges to me on XX/XX/year> for {$320.00} nor does XXXX. I have statements proving this and PNC Bank didnt want them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I recently revised my report and noticed some fraudulent inquiries, they are hurting my ability to obtain credit, please remove these inquiries from my report. Attached are my ID theft report listing these fraudulent inquiries as well

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 2025-07-21 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: FL

Complaint narrative:
CFPB Complaint Inaccurate Reporting on Closed Account ( XXXX XXXX XXXXXXXX ) To whom it may concern, I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting on my consumer file related to a XXXX XXXXXXXX XXXX credit card account ( account ending in XXXX / XXXXXXXX XXXX XXXX  ) that was closed in XX/XX/XXXX, yet is still being reported as active and derogatory by Equifax, XXXX XXXX XXXX 

Details of the Inaccuracy : The account was closed in XX/XX/XXXX, yet all three credit bureaus continue to report : Late payments in XXXX XXXX / XXXX " Last activity '' and " last payment '' dates in XXXX and XXXX Updates as recent as XX/XX/XXXX ( Equifax ), XX/XX/XXXXXXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX XXXX  This reporting violates my rights as a consumer under federal law and is causing ongoing harm to my credit reputation and financial opportunities.

Applicable Laws Being Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting payments or activity after a verified closure date is inaccurate.

1681i ( a ) Reinvestigation of Disputed Information If a consumer disputes information, the bureau must investigate and delete or correct any unverifiable or inaccurate data within 30 days.

1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Data furnishers like XXXX XXXX  XXXX may not report information they know or have reasonable cause to believe is inaccurate.

1681s-2 ( b ) Duties After Notice of Dispute After receiving notice of a dispute from a credit bureau , the furnisher must conduct a proper investigation and correct or delete any false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I previously sent a dispute letter by regular mail regarding this account, but I never received a response or confirmation that a reinvestigation was conducted. The account is reporting inconsistent Dates of Last Activity across TransUnion, Experian, and Equifax, which shows the information is inaccurate and unverifiable.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation free of charge and delete any information that can not be verified. Because no proper reinvestigation was done and the data is inconsistent, I am requesting permanent deletion of this 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 2025-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Shellpoint keep giving me the round around about a loan modification .I was told I was pre-approval and now they are saying they are waiting on an investor and it may take 6 months longer. I was told 30 days call back on XXXX. I called today no help still waiting. I thought it could take up to month now im told 6 months. Shellpoint is being bias and is discrimating against me because of my XXXXXXXX XXXX XXXXXXXX. I qualify why keep making me wait. Telling me you are waiting on the investor when I was pre-approval company refuses to expidte the request.

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 2025-07-21 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: CO

Complaint narrative:
I am formally disputing the reporting of the above-referenced collection account on my credit file. After reviewing my credit report and analyzing the data through the lens of the Metro 2 Compliance Guidelines, I have identified multiple compliance issues which render the reporting inaccurate, incomplete, and misleading, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) and FCRA 1681s-2.

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 2025-07-21 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: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report.

Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act. 
It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report.

Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act.

It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have 2 complaints : 1 I tried to request my money back and it didnt give it to me 2 Cashapp is saying I cant sponsor my own child

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am writing to bring to your attention a serious error involving a late payment inaccurately reflected on my credit report. I have always made it a priority to fulfill my financial obligations on time, and this reporting does not reflect the actual history of my payments.

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 2025-07-21 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-07-21 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: PA

Complaint narrative:
MOHELA placed my federal student loans into administrative forbearance due to the SAVE Plan injunction. I received multiple written notices in XXXX confirming no payments were due, interest was paused at 0 %, and that Id be notified before repayment resumed. My account status continued to show Administrative Forbearance Ends XX/XX/XXXX. 

On XX/XX/XXXX, I suddenly received a billing statement claiming I was over 180 days delinquent and owed {$2400.00}. I was never billed, never notified of a repayment start, and did not exit forbearance. I emailed MOHELA with documentation no response. I attempted to call but could not reach a live representative. Ive since filed a complaint with FSA. This appears to be a systemic servicing error that needs urgent correction and credit protection.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - EXPERIAN, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian Equifax AN XXXX XX/XX/year> XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-07-21 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: CBC Companies, Inc.
State: GA

Complaint narrative:
The information listed above is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681e ] ( b ). According to this statute, consumer reporting agencies must ensure the highest possible accuracy of the information they report.

Additionally, your agency is in breach of [ 15 USC 1681b ] ( a ) ( 2 ), as I have not authorized the sharing of my private and confidential records. This constitutes a violation of my privacy rights under [ 15 USC 1681 ] ( a ) ( 4 ).

I demand the immediate deletion of the aforementioned items from my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year> in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX - {$780.00} ( account # XXXX ) XXXX XXXX  - {$950.00} ( account # XXXX ) XXXX - {$11000.00} ( account # XXXX ) XXXX XXXX - {$1600.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b'My old a/c # XXXX XXXX XXXX was scammed on XXXX, and then it was closed. I attempted to open a new account over the phone, but I encountered a series of problems. I went in-person, in XXXX, to your branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They opened a new account # XXXX XXXX XXXX.  \n\tIn  XXXX, I called XXXX  the number on the back of my debit card -  and they informed me that to order checks I must go in-person to my branch office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I went there on XXXX and ordered the checks. \n\tYesterday, on XXXX  much to my surprise, I received a check for the total amount - XXXX XXXX  - from my newly opened account. I or the cosigner on the account, NEVER asked to close this account.\n\tI then called XXXX and spoke to a supervisor, XXXX XXXX XXXX, to inform her that I or the cosigner NEVER asked to close this newly opened account. How could I order checks on XXXX and then call to close the account? It doesnt make sense. I believe that someone at Citibank made an error, and it resulted in my account being closed. \nI wanted XXXX  to reopen the account, but she told me that the system didnt let her do it. She said that I had two options: 1. submit a request over the phone to the XXXX XXXX XXXX XXXX to apply for a new account; or 2. go in-person to my branch in XXXX XXXX XXXX to apply for a new account. \nWhy cant the system be overridden to reopen an account that I NEVER closed? And to add insult to injury, the checks I ordered on XXXX  arrived today. I have been a customer of Citibank for 40 years. I have decided to open an account elsewhereXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
Account : XXXX XXXX credit services Account : XXXX XXXX XXXX These accounts were not properly investigated According to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank You

Company response to consumer: Closed with explanation