vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CRED Technologies dba cred.ai
State: PA

Complaint narrative:
Cred.ai via XXXXXXXX XXXX should not be in business! And XXXX should be embarrassed about their partnership with Cred.AI! 

XXXX should be made aware that Cred.ai is NOT responding to customer service inquires of the most basic kind! 

This is ridiculous. Their offshore customer service can not even answer the most basic questions. 

I did reach out to XXXX in Delaware corporate a couple months ago, and asked them to reconsider their partnership with Cred.ai. You know, no one ever called me back. This bank is becoming very predatory and the fact that they consider themselves an AI bank. They have ZERO customer service and they need to be looked into. Im so XXXX  of them. Im so XXXX  of not being able to reach someone capable of answering a basic question. 

Im asking the CFPB to investigate XXXXXXXX XXXX and credit.ai for potential violations of duties to help customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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 COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Account name : XXXX XXXX Account number : XXXX Account type : Collection This account is not reporting accurately and do not belong on my credit report can you please remove immediately and update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My accounts have been frozen since XX/XX/XXXX, due to a supposed need to update my information. 
This prevents me from accessing my funds for personal expenses, and I am incurring interest and potential late payment fees on my bills. 
My Previous Actions : XXXX XXXX XXXX  Dates of calls : " I called the bank on XX/XX/XXXXXXXX XXXX XXXX XXXX  '' * Letter sent : " I sent a formal complaint letter by certified mail on XX/XX/XXXXXXXX 
I have not received a satisfactory response or resolution to my issue to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my student loan account by the MOHELA. I am experiencing ongoing difficulties related to the verification of my student loan information, which is negatively impacting my ability to manage my loan effectively.

Despite multiple attempts to resolve the issue directly with MOHELA, they have failed to verify my loan status accurately they have not correctly processed my income-driven repayment plan application, my enrollment status has not been updated, resulting in an incorrect repayment schedule, or I submitted documentation for a deferment, but it has not been acknowledged or verified ].

These delays and lack of communication have caused significant stress and confusion. I have contacted MOHELA several times via phone and written correspondence, but each time I have either received conflicting information or no resolution at all. As a borrower, I rely on my loan servicer to manage my account accurately and transparently, and I feel that MOHELA has failed to meet those responsibilities.

I am requesting the CFPB to investigate this matter and assist in ensuring that MOHELA : 1.Properly verifies my loan status and documentation.

2.Provides a clear and accurate explanation for the delay or error.

3.Resolves the issue promptly and in compliance with federal student loan servicing requirements.

Thank you for your assistance in resolving this matter. 
XXXX XXXX social Security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime closed credit builder account with telling me because i filed bankruptcy XXXX XXXX. 
I called Chime Bank XX/XX/XXXX. Said they would issue amount of XXXX by XXXX  days. 

But the protection act 2010 states they have XXXX  days. Which they are now in violation of. 

XX/XX/XXXX i called. Agent said wasnt processed to right dept. 
Said she would. But couldnt give me a time frame. But to look out for a email from them. 

I Said i would have to take them to small claims court if i didnt hear from them soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
To who it may concern my rights have been violated due to consumer law 15 USC 1681 15, USC 1691 I have to make the identity report for the last three years since my information got stolen. The three credit bureaus continue to allow XXXX XXXX, XXXX and 10 more inquiries from other companies to report on my credit report. I sent several season six letters on this matter I have a FTC report for the third time I made a CFPB complaint and that these companies act like they cant find my information so Im asking under the fair credit report act I am tired of my rights being violated they had to ring me from XXXX dollars in business funding these companies shouldnt be reporting on my credit report when I said the letters they dont even know who I am. No one has a valid ID on who I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
In XX/XX/XXXX, I entered into a lease agreement with XXXX. The account was later charged off, and as of XX/XX/XXXX, my credit reports show a charged-off amount of {$1100.00} and a remaining balance of {$3000.00}. However, this is inaccurate and misleading. 

This account is currently being reported to all three major credit bureaus ( Experian, TransUnion, and Equifax ) as charged off with a past due balance, even though the company has written off the debt. I have not received a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 

I have already submitted disputes with the credit bureaus, and the item is marked as disputed by consumer, but no corrections have been made. The account continues to report a full balance, despite being charged off, which violates the Fair Credit Reporting Act ( FCRA ) requirement to report only accurate and complete information. 

This inaccurate reporting is severely impacting my ability to qualify for a home loan, and despite my attempts to resolve this directly with the creditor, no action has been taken. 

I am requesting the CFPBs assistance to : Investigate the reporting practices of XXXX Require XXXX to either issue a 1099-C or update all credit bureaus to reflect a {$0.00} balance Remove and correct the inaccurate information across all credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease agreement with XXXX. The account was later charged off, and as of XX/XX/XXXX, my credit reports show a charged-off amount of {$1100.00} and a remaining balance of {$3000.00}. However, this is inaccurate and misleading. 

This account is currently being reported to all three major credit bureaus ( Experian, TransUnion, and Equifax ) as charged off with a past due balance, even though the company has written off the debt. I have not received a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 

I have already submitted disputes with the credit bureaus, and the item is marked as disputed by consumer, but no corrections have been made. The account continues to report a full balance, despite being charged off, which violates the Fair Credit Reporting Act ( FCRA ) requirement to report only accurate and complete information. 

This inaccurate reporting is severely impacting my ability to qualify for a home loan, and despite my attempts to resolve this directly with the creditor, no action has been taken. 

I am requesting the CFPBs assistance to : Investigate the reporting practices of XXXX Require XXXX to either issue a 1099-C or update all credit bureaus to reflect a {$0.00} balance Remove and correct the inaccurate information across all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My mortgage company has sold my loan multiple times. This causes a mix up in payment when I sent it in. They have reported me to the credit bureau late due to this. I have complained but they refuse to change. Once again, they sent a notice to send the payment to another address because they changed servicers. This is the worst mortgage company and should be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Money from a Navy federal checking account was withdrawn/transferred out of account by Navy Federal as a collection of debt without authorization from of primary account holder. 

The money collected ( XXXX ) benefits is under a protected class by Federal, State, and Social Security Act to not be used for debt collection. The primary account holder is not beneficiary of the XXXX benefits. The funds ( XXXX ) benefits belong to the child of the account holder. The funds are deposited as a check in the name of the child, and the account holder as the payee. Therefore the child is not responsible for the parents debt. 

Navy Federal was contacted, and told that the funds are protected. The Navy federal representative said the money came from XXXX it was {$42.00}. I told the representative that the transaction for ( {$42.00} ) were wronfully taken out the account by XXXX on XX/XX/year> ; and the transaction was reversed by XXXX, and sent back the account on XX/XX/year> ; then Navy Federal took it upon themselves to transfer the reversed payment in the exact amount of {$42.00} out the account ; without my authorization as a collection of debt on a credit card I have never owned. Navy Federal Representative said because the funds came in from XXXX she was not reversing the payment. 
Please note the transaction is listed as a transfer ; as If I transfered it to a debt collection account. When it should be listed as a payment/collection but it's not. I recorded the conversation for my own personal record. 
I did not authorize XXXX XXXX to transfer any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: OK

Complaint narrative:
Yes someone stole my debit card from where I live and used it while I was at the hospital. I believe that person name might be XXXX XXXX. It happened on XXXX, XXXX, XXXX. I notified the card company as soon as I noticed. On XXXX, XXXX, XXXX  when I noticed the card was stolen and used and contacted the card company. The card company said they will do a investigation and they sent me a piece of mail saying they found no fraud done. I then called the card company on why they found no fraud done and they said the next step to do is send a letter in details on what happened so I did that. I called the card company about XXXX weeks later and they said they have not seen such letter. I then sent another letter on the same details on what happened and still have not heard anything from the card company. I have tried to notify the bank and have had trouble getting in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX, I was contacted by an individual who claimed to be a member of my Truist bank fraud department member. They told me they were working with the FBI to investigate fraudulent activity in my account. She knew my full name, email address, home address and details of my bank account. They convinced me to transfer all of my funds from my Truist bank account to my XXXX XXXX account. The scammer then immediately transferred the funds from my XXXX XXXX to their own bank account without my authorisation. They told me that XXXX was a trusted partner of Truist and that they needed to transfer my funds to a secure account while they closed my truist account and created a new one to keep it safe from scammers. Truist told me they could not stop or reverse the transaction although it is still posted as pending in my account. 

I did not authorize these transfers and realized afterward that I was scammed. I have reported the incident to both Truist Bank and XXXX XXXX, and I am filing this complaint with the FTC in hopes of preventing further fraud and to assist in any 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 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/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