vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX or XXXX XXXX XXXX, my date of birth is XXXX XXXX XXXX. My social security number is XXXX. I have attached my license and social security card for identity. I checked my credit and noticed several severe inaccuracies. In the personal information section, I am requesting that the following reporting be deleted and corrected. XXXX. XXXX XXXX please remove The correct spelling is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove this address, I never lived here. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, remove this address, I never lived here. XXXX. XXXX, remove this phone, not mines XXXX. XXXX not mines remove XXXX. XXXX not mines remove XXXX. XXXX not mines remove Please do not mix up or add anyone else 's information to my credit file. The following personal information section should list the following as accurate information : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX of birth : XXXX Social Security number : XXXX Current address : XXXX XXXX XXXX XXXX XXXX Va XXXX. Please correct this information as soon as possible this is hurting my XXXX XXXX finances.

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 2025-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against Bank of America for discriminatory and unprofessional treatment I experienced during a business appointment at XXXX XXXX XXXX XXXX, XXXX, NY branch on Friday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX days prior, I made an appointment with a representative named XXXX to discuss the potential of opening a business account and exploring whether Bank of America would support my company, XXXX XXXX XXXX ( TM ), in future loan requests for real estate development projects not an immediate loan application, but simply a discussion of potential future support if I were to present substantial cash collateral. Upon my arrival, XXXX brought me into her office. After glancing at my proposal, she stepped out and returned. Her manager appeared XXXX minutes later, he spoke to me as if I were a XXXX XXXX XXXX  that XXXX  an XXXX XXXX He dismissed me in an unprofessional, disrespectful, and in my view racially biased manner. The manager spoke down to me, sat casually on a filing cabinet, waved his hands at my proposal dismissively, and repeatedly told me that Bank of America would not grant me a loan and suggested I go somewhere else. He did not read my materials in good faith and treated me as if I were undeserving of a serious conversation. His tone, body language, and dismissive behavior coupled with his inaccurate assumptions about what I was requesting made me feel humiliated, disrespected, and discriminated against. I believe this treatment violated the spirit of the XXXX XXXX XXXX XXXX CRA, which obligates banks to serve the credit needs of all segments of their communities, including minority owned businesses and underserved areas. When I mentioned the XXXX XXXX, he dismissed it as though I were inferior and he was the authority, waving it off with disdain rather than acknowledging its relevance and importance. I am financially capable of taking this matter before a jury and let them decide am I overreacting or were your employees out of line with discriminatory behavior against a minority business owner that lives and functions in the same community as your branch.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Do not own this debt with Midland must remove from my credit report. Inaccurate and not consistent with all credit bureau. They did not prove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
The company aidvantage is has not been processing my payments despite having entered my banking information correctly. I have had repeated " returned payment '' each time I have attempted to make payments towards my balance. I have asked for proof on their end that they see my payment has been processed. I have also recieved notification that my payment has " posted '' yet none of the attempted payments have been taking from my bank account. I have each time had the money in my account to pay the bill and have gotten nowhere witht the company. I have researched this issue and have found common issues occurring with other consumers with loans through aidvantages. I have found results suggesting that I contact the CFPB regarding the matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Figure Technologies, Inc
State: OH

Complaint narrative:
On XX/XX/year> I applied to Figure, for a home equity line of credit, which was promptly approved with favorable terms. Figure was not the first lender out there I received a quote and approval from, so I had planned to take the weekend to review these. One thing I must have forgotten to do, in order to get the rate as low as possible, is agree to autopay. Knowing I could receive a 0.20 % discount, I reached out to figure to ask how to get this applied - the only reason I had the discount not on the final closing docs is because I missed a check the box election, something figure support said is an easy fix. At this point, figure was the lender I received the best deal from and was looking forward to signing on with them. Figure support, whether intentionally or unintentionally, informed me I had to cancel my application and reapply, but it wouldnt be a big deal because I have an account and my info is already there. I told them why I was trying to do that, and they reassured me there would be no issues. After submitting the application promptly once again, the website seemed to have issues, and I received denials for the same loan, which I had closing paperwork ready for earlier that day. Thinking it was a website issue, I waited a few hours and tried again. Same thing. I finally called figure, and they informed me to wait longer and everything looks good on our end. Additionally, figure ( I didnt know this at the time, but now realize it and know it ) inquired as to why I had an application open at guaranteed rate, another institution that uses the same backend figure owns, so she could see everything. I informed them I was shopping the rate, as I should be doing. I was then informed by figure, that in order to get approved, Id have to cancel that approval as well and try again, and thats most certainly the issue. Given figure had a better program, I did just that. Finally, a day later, figure told me they didnt like how many inquiries so theyre denying me. This has happened now on multiple sites, trying to acquire credit, all using the figure platform it appears. I even asked figure to reinstate the docs that were ready to close without the autopsy discount, but they refuse. I feel like they are using their power to manipulate the market as well as discourage shopping around. If they didnt break multiple laws, I would be surprised, but if so, their atrocious behavior should be brought to the attention of those empowered to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
I did a debt consolidation for about {$10000.00} with XXXX XXXX XXXX. My payment was {$330.00} a month for about XXXX  years to pay it all off. I got a call halfway through my program from this company called XXXX. They said since I've made all my payments on time that they could pay off what I owed in full and it would fix my credit instantly. They told me that my payment with them would stay exactly the same and so would my end date. Also I was told there would be no interest and was promised everything would be the same. I have continued to pay them for over XXXX  years now and just now checked my balance with them. They are saying I am only 50 % done paying and there is interest every month. So I can see this is not going down. I was misled and lied to on the phone by these people and I don't feel I should have to pay them any more money. They have gotten enough out of me and they are expecting another {$5000.00} with interest. I feel I've been scammed and this is unlawful. Please investigate this for me. Times are tough and I was trying to get my life back together with debt consolidation and I feel they have tried locking in all over again. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: CA

Complaint narrative:
As of XX/XX/XXXX My total mortgage balance was {$53000.00} I sent a payment of {$20000.00} towards the principle on XX/XX/XXXX. I have been making regular monthly mortgage payment without fail. As of XX/XX/XXXX I checked my mortgage balance, I still have {$38000.00}. Means XXXX XXXXXXXX  didn't apply my full XXXX towards the principle, only applied XXXX. 
Need my full XXXX applied to principal, since I don't have any delinquent payments. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial
State: TX

Complaint narrative:
I am writing to formally dispute this collection account listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. 

I have reason to believe that my personal information was obtained through a XXXX XXXX  and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX [ XXXX XXXX. XXXX ], I am exercising my right to request that any fraudulent information resulting from identity theft be XXXX and removed from my credit file. 

With this complaint, I will attach proof oXXXX XXXX  XXXX XXXX and my personal information including my social security and other private information that was spotted on numerous dark webs and has been exposed and is being used without my permission. A Identity theft affidavit will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TN

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and notice of concern regarding the unauthorized access and use of my personal identifying information by your reporting credit bureaus without my knowledge or consent. Specifically, it appears your organization retrieved and utilized my personal and credit-related data absent any permissible purpose or authorization, in direct violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal statutes.

Under 15 U.S.C. 1681b, consumer reporting agencies are strictly limited to accessing and disclosing consumer information only for specific, lawful purposes and only with appropriate authorization. I have no record of initiating or authorizing such use of my identity or personal data. Therefore, I am demanding the following : XXXX. A full investigation into the unauthorized retrieval, use, or disclosure of my personal information ; 2. Immediate cessation of any unauthorized use or reporting of my information ; 3. A complete list of all entities or parties that have accessed my credit file or personal information within the last 24 months, including the stated permissible purpose ; 4. Removal of any entries or inquiries related to unauthorized access or activity on my credit file ; 5. Written confirmation that your agency is in compliance with 15 U.S.C. 1681b, 1681c2, and any other relevant federal consumer privacy protections.

Failure to comply with federal law may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General of Tennessee.

Please consider this letter as my formal dispute and request under the FCRA. I request a written response within 30 days, as required by law. 

Sincerely, 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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My previous bank account was closed due to an incident where I unknowingly deposited a fraudulent check that was later flagged by the bank. At the time, I was misled by someone I was involved with, who I later discovered was attempting to scam me. The bank claimed the check was altered, though I had no prior knowledge of any issues with it. Ive since taken steps to protect myself from similar situations and learned a valuable lesson about financial and personal boundaries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MoneyLion Inc.
State: IL

Complaint narrative:
Dear MoneyLion, I am writing to respectfully request a goodwill deletion of my account currently being reported to the credit bureaus. At the time of the reported delinquency, I was facing a period of financial hardship due to job loss, which impacted my ability to meet payment obligations. 

In addition to the hardship, there is a clear reporting inaccuracy that I would like to address. One of my credit reports lists only one MoneyLion account, while the others report two. This inconsistency raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that all information furnished to consumer reporting agencies be accurate and verifiable.

Furthermore, this account is nearing the 7-year reporting limit from the original date of delinquency. As stipulated under 15 U.S.C. 1681c ( a ) ( 4 ), most negative credit information must be removed after 7 years, and this account is only a few months away from qualifying for that automatic deletion.

Given the combination of financial hardship, the current reporting discrepancy, and the accounts age, I respectfully request that MoneyLion consider removing this account from my credit reports as a gesture of goodwill.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent .Account Name : XXXX Account Numbers : 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent. Account XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was a PNC bank customer. I lost my wallet that contained a debit card ( debit card # [ ) and a PNC credit card. I called the bank and reported both lost/stolen and requested a new debit card ( debit card # 2 ). I later discovered charges made with both cards and called PNC. I explained these cards were reported lost/stolen and they should have been cancelled. PNC admitted that they see two debit cards on my account and acknowledged they issued a new debit card but failed to cancelled/closed the original debit card ( # 1 ) and the credit card.

PNC finally cancelled the debit card ( # 1 ) and issued my account a credit for the fraudulent charges on the debit card, but still, after requesting for a second time, did not cancel the credit card. The credit card had XXXX  balance. The balance in the card were charges made with the card after reporting it lost/stolen and requesting it to be cancelled twice.

I continued to contact and be be contacted by PNC about charges and continue to explain that this card was never closed when I reported it lost/stolen. I explained how I discovered the fraudulent charges and reported this twice. They again failed to cancel the credit card and in return, the fraudulent charges resulted in the account being turned over to collections and having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CT

Complaint narrative:
i am sending in blocking theft to all XXXX credit agencies

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 2025-07-14 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: CT

Complaint narrative:
i am sending in blocking theft to all XXXX credit agencies

Company response to consumer: Closed with explanation