vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have a Credit Card with XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX. 
I know they charge me annually {$150.00} for the card. Just now as of my XX/XX/2025 statement I see a new Monthly Fee of {$10.00} as well. This is how it showed on my account : " MONTHLY MAINT FEE XXXX XXXX XXXX TOTAL FEES FOR THIS PERIOD XXXX '' I called questioning why suddenly I am getting this additional charge when I never have before. They said they started it as of XX/XX/2025. I questioned why? Since I pay an annual fee as well. They had no explanation other than they decided to implement this new fee. I am XXXX on a small fixed income and trying to pay off my credit card. If my monthly min payment is {$45.00} an int of $ XXXX 35.90 % plus the {$10.00} I am only paying it down by {$13.00}. I can not afford to increase my payments unless I don't want to pay for my food and electric. I understand I am not the only one in this position, however my issue is they are basically overcharging me with fees and everyone else. There are no benefits associated with this card to even warrant the {$150.00} a year fee. 
I'm sure nothing can be done I just want to make sure this is something banks can get away with.

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 2025-11-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Between late XXXX and early XX/XX/year>, several unauthorized transactions were made on my account for purchases at XXXX. During this same period, I had lost my phone, and I filed a police report for the lost device. I notified XXXX that the phone was missing and that I had replaced it with a new device. 

Despite the police report and the clear timeline showing I did not have possession of the device, XXXX denied my claim. Their explanation was that the transactions came from the same device ID. This does not make sense, because the device used was the old phone that was lost, not the new one. Whoever had my lost phone had access to my accounts and used it to complete the XXXX purchases. 


I have provided proof of the lost phone, the police report, and the timeline, but XXXX has refused to properly reinvestigate under Regulation E. 

I am requesting CFPB assistance because the bank did not conduct a reasonable investigation and is holding me responsible for unauthorized charges made on a device that was not in my possession. 

I consent to having this description published.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am filing this complaint because my mortgage lender is conditioning my XXXX loan approval on a full home inspection report that was sent to them in error by our real estate agent. I did not authorize the report to be used for underwriting, and I have formally rescinded authorization in writing. The lender has refused to remove it from the file, despite acknowledging that reviewing home inspection reports is not required by XXXX XXXX or XXXX XXXX guidelines for conventional loans. 

The underwriting team has now generated an extensive list of repairs and third-party inspections based solely on this home inspection report, not the appraisal. These requirements are not supported by the appraisal findings. In fact, the lender claimed there was dampness noted by the XXXX, but this issue is not documented anywhere in the original appraisal report. The lender appears to have added this condition without basis. They have also placed blame on myself, the customer, and my agent for sending in the inspection report and taken full advantage of that fact, using it as an excuse for the overly aggressive underwriting demands. 

The lender stated that their internal policy requires the inspection to be reviewed once received, which is materially different from regulatory or investor requirements. This internal policy is harming me as a consumer, jeopardizing my home purchase, and forcing lender-mandated repairs that are not required under conventional loan standards. The seller will not complete these excessive repairs, and the lenders actions are threatening the viability of the entire transaction. 

I believe the lender is improperly using a non-required document, against my express wishes, to impose unnecessary underwriting conditions. I feel that they are also taking advantage of my ignorance as a customer and not a XXXX expert. This has caused financial harm, delays, and an uneven playing field in the home purchase process.

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 2025-11-18 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:
Could you go through what I entered? Its late and possibly faulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to formally dispute multiple accounts listed on my Equifax credit report. Below are the accounts in dispute, and I believe the information provided XXXX not be accurate due to violations of the Fair Credit Reporting Act ( FCRA ) and potential data breaches. 
Personal Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> SSN : [ Last XXXX digits : XXXX ] Current Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Disputed Accounts : XXXX. XXXX XXXX XXXX o Account Number : [ Insert Account Number ] o Original Creditor : XXXX XXXX o Status : Collection/Charge-Off o Balance : {$3800.00} o Reason for Dispute : Inaccurate reporting of status as " Unpaid balance reported as a loss by XXXX XXXX, '' which violates Section 1681 of the FCRA as the status was not reported accurately or timely. 
XXXX. XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] o Status : Positive o Late Payments : Reported as 30 days late twice. 
o Reason for Dispute : Failing to update the payment history accurately within the required time frame, in violation of Section 1681s-2 ( a ) of the FCRA. 
XXXX. XXXX XXXX XXXX o Account Number : [ Insert Account Number ] o Status : Open o Payment Status : As Agreed o Reason for Dispute : Potential data breach concerns as the account was modified under a government plan, which XXXX not be properly reflected in the report. 
XXXX. XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] o Status : In Dispute o Reason for Dispute : The account was inaccurately reported with an unpaid balance, despite it being disputed previously under Section 1681i of the FCRA. 
FCRA Violations : Inaccurate reporting of account statuses, dates of last activity, and payment histories. 
Failure to follow proper procedures for reporting disputed accounts under FCRA Section 1681i. 
Inadequate handling of potential data breach information impacting my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-18 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: WI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-11-18 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:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Me and my wife try to send money to our son when we sent it to him there was somebody on XXXX XXXX with the same name I accidentally pressed the wrong XXXX and sent it to the other person I requested a refund from the other person multiple times I called Cash app multiple times they told me 10 days it will be taken care of then they told me 20 days it would be taken care of and everything was good on my end then finally it came to 45 days I called on a XXXX day and they told me that my cash app claim was denied I'm just at XXXX XXXX where I feel right now cash up is stealing people 's money and it is not right the penalize somebody for a simple mistake I've never asked for a refund before and I put lots of money on cash app now I feel like I'm going to get my money back XXXX way or another from them and for the way and I want more now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I got approval through Acima for {$2700.00}. I called XXXX XXXX in XXXX to figure out how much tires would cost. Was told {$440.00} out the door. I went in that evening around XXXX and they also said I needed brakes. They were informed I could not afford them, and he said he could make it work on the Acima lease. The XXXX there, XXXX XXXX XXXX unsure, but the guy who could speak the best XXXX ) was helping me. He flat out said he would figure out how to get all of the brakes and labor put in the Acima lease. Even mentioned a few times my brother would XXXXXXXX XXXX if he knew I was doing this and also mentioned that the brake stuff is not covered under the leases. 
I signed the link from my phone about the lease through Acima, but there was never a total in there at that time. Once I found out he had, basically, charged me {$2000.00} for brakes I was struck!! He did NOT tell me or give me an estimate on this activity, or I would have gone elsewhere to get brakes done!! I mean {$2000.00} for pads and rotors? He NEVER gave me any breakdown of costs of the brakes or anything. I did sign my link accepting the lease, but at that time there was no total at all. When I logged into my account and this is where I saw how much they had charged. 
I feel that they knew how much I had preapproved then used it all! Had I known a basic brake job was going to cost me over {$2000.00} I would not have gotten those done, leasing or not!! I have also had people call up there and the equivalent to what I got in brakes they are only charging everyday people $ XXXX {$550.00} for! This place is taking advantage of your leasing and customers. I am fighting this charge and when I spoke with Acima resolution department all they did was put him on a third line to yell at me about how he has me on camera signing these documents!! I had no clue what I was in for with doing this. I am fine paying what I ACTUALLY OWE, but not being XXXX by XXXX XXXX way overcharging XXXX your leasing company to make money. Now I am fighting paying this huge amount. 
While yelling at me the guys from XXXXXXXX XXXX kept saying he had me on camera. Yep, sure did, and has himself talking to XXXX other people, XXXX in different languages. Your Acima rep came out to hang with them for a little bit too. Which makes me wonder how he is involved in this shady business as well. I will be also sending this to other outlets as well since your company has seemingly been party to this bad business before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
The company has fraudulently retained my refund and made a fraudulent assessment on my account. 

Between XXXX XX/XX/year>, I received documentation from Mohela that XXXX student loans were forgiven after working for state government and being a part of the PSLF for XXXX years. The company had incorrectly counted my government work time and advised that I was due a refund of {$9100.00} as of XX/XX/year>. 

After numerous calls to Mohela, XXXX XXXX XXXX, and the treasury, I have yet to receive my refund AND Mohela has made an assessment for a new balance of over {$2000.00} without explanation. Mohela representatives lied when they advised on numerous occasions that my refund was in process. This fraudulent, deceitful practices have negatively affected my health and well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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:
This letter represents my formal dispute of the accounts identified. They are not mine, and I did not authorize their establishment. Please investigate and remove them. Supporting documents are enclosed.I am formally challenging the listed accounts, as I have no connection to them and did not approve their creation. I request immediate deletion and a full review. Documentation accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report, which I have discovered through my ongoing credit repair efforts. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXXXXXX AUTO - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX CARD - Date : XX/XX/XXXX Late Payment : XXXX XXXX  - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am submitting this formal objection to the listed accounts, as I have no association with them and did not authorize their creation. Please conduct a review and delete them. Documentation is provided.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief