vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to LexisNexis challenging all XXXX XXXX in Section 3 of my LexisNexis consumer file. My dispute identified XXXX separate higher education records that were incomplete, inaccurate, and not based on actual enrollment information. In my consumer file, the Institution Name, Institution Type, and Major/Program fields are blank, and all XXXX records are sourced only to XXXX XXXX XXXX which is a marketing list vendor, not an educational institution. I requested that LexisNexis reinvestigate these items and permanently delete any records that could not be verified as accurate and relevant under the FCRA. LexisNexis received my dispute by certified mail on XX/XX/year>. 

On XX/XX/year>, I received several envelopes from LexisNexis labeled as reinvestigation results. These mailings did not provide an itemized reinvestigation result for each of the XXXX disputed XXXX XXXX and did not include the required updated consumer file. LexisNexis did not confirm whether any of the disputed XXXX  XXXX  were deleted or verified, and they did not provide a compliant description of the procedure used. Because no updated consumer file or itemized reinvestigation results were provided, I have no way to determine whether any of these inaccurate, marketing-sourced XXXX XXXX  remain in my file. As of today, LexisNexis has not provided the FCRA-compliant reinvestigation response required for my XX/XX/year> dispute regarding Section 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
On XX/XX/year>, i bought XXXX properties with XXXX separated loans. I paid in full for all XXXX properties the full insurance paid in the closing statements. On one of the loans, The mortgage servicers for some reason wants to send the insurance {$7400.00} on dated XXXX as an ach payment. There should be no more payments for a year on escrow since i already paid a year in advance. So that changes my escrow balance and i'm upside down. I've contacted Shellpoint and the insurance with no luck on getting my refund on the escrow. I think i've exhausted all options. i attached closing statements where the insurance was paid for 12 months. I've sent emails to insurance, no replies back. I've talked to shellpoint throughout XXXX with no luck retrieving the escrow money back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
" I am filing this complaint against PayPal for the wrongful permanent limitation of my account and the freezing of {$1500.00} in funds for a legitimate transaction. PayPal has flagged my account for " XXXX XXXX XXXX '' solely because I delivered a high-value item personally rather than using a shipping XXXX, and therefore did not generate a digital tracking number. 

The Facts : On XX/XX/year>, I sold a scientific fume hood to a verified buyer ( XXXX XXXX XXXX ) in Pennsylvania. Due to the item 's fragile nature, I personally drove the item to the buyer. The buyer inspected the goods, accepted them, and paid via PayPal Goods & Services. 

Evidence of Delivery : I possess a Bill of Sale and Purchase Agreement, signed by both myself and the buyer on XX/XX/year>. 

Section 5 ( " DELIVERY '' ) explicitly states the method was " Shipping ( Delivery )/ Freight '' arranged by the Seller.

The buyer has possession of the item and has not filed a dispute.

I have photographic evidence of the item and the signed agreement.

Financial Hardship : PayPal is holding these funds for 180 days despite having zero evidence of non-delivery or fraud. This hold is causing extreme, life-threatening financial hardship. My partner is currently undergoing XXXX for a terminal illness, and these funds are required immediately for her medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX, my personal debt financial account was compromised by an impersonator ( XXXX ). They were able to get all my personal information ( i.e., Name, DOB, SSN, Address, Username, Password, Telephone Number, Connecting Account Information, and more ). These impersonators linked their personal financial institution ( The XXXX Bank ) account to my Cashapp Account. That is when these impersonators proceeded with a fraudulent check of {$970.00} deposited into my personal account, they then transferred the funds into my CashApp account, and immediately they transferred out into their bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have found several fraudulent accounts that have reported to my credit reports. All 3 Bureaus have 4 days to remove this information according to FCRA 605B. Remove and Delete this following accounts, due to a lack of investigation and Fraudulent accounts. 

XXXX  : XXXX ) XXXX XXXX XXXX, this account is closed and says it's in collection status. Remove this account immediately, due to Fraud. This account has never reported monthly to any of my credit reports. XXXX XXXX XXXX XXXX XXXX, this is also Fraudulent. I have not opened up any personal loans in the last 2 years, and have never missed any payments, delete this account immediately from my reports. 

XXXX  : Remove these XXXX accounts due to Fraudulent activity. XXXX ) XXXX XXXX XXXX, someone keeps using this card, and it's not me! XXXX XXXX XXXX XXXX XXXX, it says it's over 60 days late. I've never been late, and the company is recognized by the individuals who got paid from the loan. Remove the account due to Fraudulent activity immediately. XXXX XXXX XXXX XXXX, XXXX. This account has never reported to my credit reports, and XXXX  has never investigated properly. 

Equifax : XXXX XXXX  XXXX  ( closed account ), and multiple fraudulent purchases. Remove this account immediately! XXXX XXXX XXXX XXXX XXXX ( closed account ) this has never reported previously, and I do not recognize the account at all. XXXX XXXX XXXX XXXX XXXX. I have never been late, and the company is not recognized by the company that was paid by the loan. Remove this account immediately or show a proper investigation!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OR

Complaint narrative:
I have found several fraudulent accounts that have reported to my credit reports. All 3 Bureaus have 4 days to remove this information according to FCRA 605B. Remove and Delete this following accounts, due to a lack of investigation and Fraudulent accounts. 

Experian : XXXX ) XXXX XXXX XXXX, this account is closed and says it's in collection status. Remove this account immediately, due to Fraud. This account has never reported monthly to any of my credit reports. XXXX XXXX XXXX XXXX XXXX, this is also Fraudulent. I have not opened up any personal loans in the last 2 years, and have never missed any payments, delete this account immediately from my reports. 

XXXX  : Remove these XXXX accounts due to Fraudulent activity. XXXX ) XXXX XXXX XXXX, someone keeps using this card, and it's not me! XXXX XXXX XXXX XXXX XXXX, it says it's over 60 days late. I've never been late, and the company is recognized by the individuals who got paid from the loan. Remove the account due to Fraudulent activity immediately. XXXX XXXX XXXX XXXX, XXXX. This account has never reported to my credit reports, and XXXX  has never investigated properly. 

XXXX  : XXXX XXXX XXXX ( closed account ), and multiple fraudulent purchases. Remove this account immediately! XXXX XXXX XXXX XXXX XXXX ( closed account ) this has never reported previously, and I do not recognize the account at all. XXXX XXXX XXXX XXXX XXXX. I have never been late, and the company is not recognized by the company that was paid by the loan. Remove this account immediately or show a proper investigation!

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXX son accessed my old phone, which was still tied to my previous device and contained saved payment credentials, and made approximately {$4100.00} in unauthorized XXXX in-app purchases between approximately XX/XX/year>, and XX/XX/year>, without my knowledge or permission. These virtual items provided no goods, services, or value to me, and I did not authorize or benefit from any of the transactions. Specific charges include discovered them upon automatic payment not going through.

Billing Error Under the Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), an unauthorized charge and a charge for goods/services not accepted or not delivered as agreed both qualify as billing errors. In this case : I did not authorize these transactions.

I did not receive any goods or services no tangible value to me as the account holder.

A minor carried out the purchases without understanding the financial impact. 

The merchant ( XXXX ) has not responded to my dispute or documentation ( tickets submitted on XX/XX/year>, and XX/XX/year>. 

This qualifies for zero liability under FCBA for unauthorized use.

Banks Improper Denial : Bank of America denied my dispute from XX/XX/year>, by claiming I should have been aware due to online login history. This reasoning contradicts FCBA protections : Unauthorized use does not require physical theft ; it requires lack of permission ( as confirmed in CFPB guidance on family/friendly fraud ). 

A consumer is not liable for charges they did not authorize. 

A bank can not deny a dispute solely because the transactions originated from a known device if the cardholder did not authorize the use. 

The bank failed to conduct a reasonable investigation as required by 12 CFR 1026.13 ( f ) they did not obtain merchant documentation verifying authorization or confirm the items.

Merchant Non-Response XXXX XXXX  has not provided any explanation, documentation, or acknowledgment despite multiple support tickets ( no response as of XX/XX/year> ). 

Financial Harm : The cumulative unauthorized charges caused failed bill payments car insurance, car payment, late mortgage payment, electric bill is past due incurring, additional financial hardship, and depletion of funds necessary for essential monthly obligations

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted three disputes with TransUnion regarding an inaccurate and unverifiable bankruptcy entry on my credit report. XXXX  has already deleted this record after being unable to verify it. I submitted three certified dispute letters and provided court verification showing that the court does not provide bankruptcy information directly to credit bureaus or third party vendors. 

I also informed TransUnion multiples times that the courthouse they list on my report is obsolete and is not associated with my bankruptcy, as it has been closed since XX/XX/year>, over two years before I filed. Despite these disputes and documentation, TransUnion continues to report the entry as " verified as accurate '' and has not provided any supporting documentation or sources showing how they verified it. Their repeated reporting of this unverifiable information violates the Fair Credit Reporting Act, 15 U.S.C.1681i. I am requesting immediate deletion of this entry from my credit file and written confirmation once it is removed.

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 2025-12-02 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: PA

Complaint narrative:
I paid my student loans in full at the end of XXXX and have a screenshot showing zero balance in all XXXX of my loans dated XX/XX/year>. I was so excited to have paid these off! 

I checked the dashboard again a few days later and saw a combined balance of {$12.00} under XXXX of the loans, a - {$200.00} balance in XXXX loan, and XXXX in the others. 

A couple days later, the balance was up to {$17.00}! 

I reached out to Mohela with no response. I reached out to the Dept of Ed with no meaningful response. 

Eventually, Mohela responded back and said that any balance < {$100.00} in a loan would be converted to paid-in-full after 30-45 days and " Congratulations on paying off your federal student loans. '' However, two months passed, and the loans were not converted to paid-in-full. A balance remained. 

I reached out to XXXX XXXX 's office, who looked into the matter. They responded back to me on XX/XX/XXXX saying that Mohela " confirmed that they are actively reviewing the full interest history on your loans, including all adjustments connected to the 0 % SAVE interest period. '' So I looked at my dashboard again, and now it says that I have a balance of {$4500.00}! 

I called Mohela and spent over an hour and a half on the phone waiting for some resolution to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
COMPLAINT On or about XX/XX/XXXX, I received an initial notice from JP MORGAN CHASE advising that they required proof of hazard insurance on my property located in XXXX XXXX, California. They noted that if I did not provide proof of insurance they, JP MORGAN CHASE, would attach a policy to the property. At that time, I submitted the necessary proof to JP MORGAN CHASE and believed the matter to have been resolved. 

XX/XX/XXXX, ( see attached FINAL NOTICE ), I received a FINAL NOTICE letter from JP MORGAN CHASE noting that if I did not provide proof of insurance they would attach an insurance policy to the property. At that point I engaged in a conference call -- -after much effort, I will add -- that included a JP MORGAN CHASE representative ( XXXX ), myself and a representative of my insurance provider XXXX XXXXXXXX XXXX XXXX ) in hopes of resolving the matter once and for all. Following the conference call, I believed the matter to have been, once again, resolved. 

XX/XX/XXXX ( SEE ATTACHED ) I, once again, received notice requiring proof of insurance. Once again I complied and believed the matter to have been resolved. 

XX/XX/XXXX ( SEE ATTACHED NOTICE ) I once again received notice requiring proof of insurance for my property located in XXXX XXXX, Ca. My wife, uploaded the necessary documentation. The auto-response ( SEE ATTACHED TIME STAMP ) advised that we would be notified within XXXX business days. We received no such notification. 

XX/XX/XXXX ( see attached FINAL NOTICE ) For the fifth time in a period of approximately XXXX, I received yet another notice advising me of the same. 

XX/XX/XXXX I contacted XXXX at Consumer Financial Protection Bureau ( CFPB ) advising her of the issue. I further advised that I would be contacting JP MORGAN CHASE noting that I would ask to speak with a Supervisor. XXXX seemed to concur that it would be a good idea to do so and advised further on my options on how to file a complaint if I chose to move forward. 

XX/XX/XXXX In phone call to JP MORGAN CHASE, I spoke with XXXX who identified herself as an Account Supervisor in the XXXX Department. I explained the purpose of my call and specifically noted that I had spoken to CFPB about the ongoing issue. She offered me a case number for future reference ( something that no other JP MORGAN representative had offered before, it bears noting ), and implied that the manner had been resolved and that would be receiving written notice in the near future. I await a formal response. 

The case number assigned is XXXX and I hereby authorize CFPB or its representative to reference this case number as they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I disputed a {$450.00} charge from XXXX XXXX XXXX in XXXX, GA. The hotels General Manager acknowledged issues with my stay and stated he would investigate and resolve the billing problem. I provided details and documentation to XXXX and to Capital One during the dispute process.

Despite this, Capital One denied my dispute and stated the chip card was used, even though this does not address the billing error or the GMs acknowledgment of the issue. Capital One also ignored key information I sent. Now they plan to reverse the temporary credit on XX/XX/XXXX, which will create financial hardship. 

I am requesting a full investigation into XXXX billing practices for this charge and Capital Ones failure to properly review the dispute and consider the evidence provided.

Company response to consumer: Closed with explanation