vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
am trying to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 

I was scammed on XX/XX/year> from someone pretending to sell an item who then blocked me once they got the money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I borrowed from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( serviced by XXXX  ) through an open-end line of credit to repair my car so I could keep working. The loan structure is deceptive and predatory. 

On XX/XX/XXXX, I received {$1200.00} XXXX XXXX on a {$1400.00} XXXX XXXX. XXXX  immediately took a {$140.00} Cash Advance Fee. 

I made steady payments of ~ {$100.00} every two weeks ( e.g., {$100.00} on XX/XX/XXXXXXXX  {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, etc. ). 

Despite these consistent payments, my balance barely decreased, because each cycle XXXX  added Statement Balance Fees of {$65.00} {$70.00} in addition to prior Cash Advance Fees. 

For example : XX/XX/XXXX : {$70.00} fee XX/XX/XXXX : {$70.00} fee XX/XX/XXXX : {$70.00} fee XX/XX/XXXX : {$70.00} fee On top of this, smaller Cash Advances ( e.g., {$92.00} Advance Proceeds on XX/XX/XXXX with a {$10.00} fee, and {$60.00} Advance Proceeds on XX/XX/XXXX with a {$6.00} fee ) created more recurring fees. 

By XX/XX/XXXX, I had already paid {$1300.00}, yet I still owed {$1500.00} more than my original loan. 

Fee discrepancies : My records show {$770.00} in fees charged, but XXXX statements only list {$500.00} YTD fees, which is misleading. 

This structure ensures borrowers can not escape the debt : 10 % upfront fee on every advance Recurring {$65.00} {$70.00} statement balance fees even while paying regularly No grace period ( finance charges accrue immediately ) The effective APR exceeds 400 %. I am requesting : Investigation into XXXXXXXX XXXX XXXX XXXX XXXX and XXXX lending practices. 

Cancellation of the remaining balance. 

Correction of any negative credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I have the right to dispute inaccurate and unverifiable information information that's on my credit report. I have disputed this matter multiple times with credit bureaus and its coming back as update and verified without proper investigation. the company failed to send me any of the information I requested even with my other complaints they never sent verification or debt the original contract bearing my signature correct spelling of name address and explanation. 
REMOVE ALL FRADULENT ACCONTS IMMEDIATELY ON MY CREDIT REPORT. 
according to law 15 U.S.C 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I have the right to dispute inaccurate and unverifiable information information that's on my credit report. I have disputed this matter multiple times with credit bureaus and its coming back as update and verified without proper investigation. the company failed to send me any of the information I requested even with my other complaints they never sent verification or debt the original contract bearing my signature correct spelling of name address and explanation. 
REMOVE ALL FRADULENT ACCONTS IMMEDIATELY ON MY CREDIT REPORT. 
according to law 15 U.S.C 1681.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-09-24 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: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : 1. 1.Account name : XXXX XXXX XXXX Account balance : {$340.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX Account balance : {$210.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account balance : {$300.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX. Account balance : {$600.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. 1.Account name : XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXXXXXX  Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. 

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal. 

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

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 2025-09-24 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: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : 1. 1.Account name : XXXX XXXX XXXX Account balance : {$340.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX Account balance : {$210.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account balance : {$300.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX. Account balance : {$600.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. 1.Account name : XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXXXXXX  Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. 

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal. 

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding my mortgage servicers mishandling of grant funds provided by the Georgia Department of Community Affairs ( DCA ) for the purpose of covering my mortgage. 

Despite confirmation that the grant was approved and disbursed to my servicer, the company has refused to apply the funds properly or provide a clear explanation of how the funds were applied to my account. Instead, I continue to receive letters demanding additional payments, even though I was advised by DCA that my mortgage had been covered under this assistance program until XXXXXXXX XXXX XXXX, yet there website has me in a repayment status for XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with a representative named XXXX, who initially told me he would transfer me to a manager to escalate the call on my behalf. After informing me that my call would be recorded, I stated that I also wished to record the call for my records. At that point, he abruptly ended the call without resolution. This behavior was highly unprofessional and left my concerns unaddressed for the fourth time. 

The company has also appointed me a Single Point of Contact ( SPOC ), identified as XXXX, who has been unresponsive and unhelpful. She refuses to return phone calls, places me on extended wait lists for a potential call back, and only responds sporadically by email. In her last email ( approximately a week ago ), she stated she could transfer my file due to a large volume of cases, but when I specifically requested her managers involvement, no action was taken and I have not received any follow-up as of today. 

In addition, my SPOC has provided false and misleading information from the initial conversation until now regarding the status of my forbearance. I have attached documentation for review which directly contradicts the information I was given. This misrepresentation has created further confusion and has prevented me from resolving this matter in good faith. 

This lack of accountability has left me without answers as to where the state-provided funds were applied, and why I am still receiving collection attempts for payments that should already be satisfied. The companys refusal to provide supervisory escalation, accurate information, or proper communication is unacceptable and appears to violate servicing and consumer protection standards. I have included the most recent emails from the SPOC for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: United Credit and Collections Inc.
State: PA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt. Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 2. A full itemization of the alleged debt, including principal, interest, fees, and all charges. XXXX. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. XXXX. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). Potential XXXX Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXX XXXX. Ins. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor XXXX no longer have a valid claim, as illustrated in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 
XXXX XXXX payment. Account already XXXX : The alleged debt was already paid and XXXX by the alleged creditor. Please cease all collection activity. XXXX XXXX CO 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 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 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report today. Despite refreshing my browser, they have not been removed. I urgently request that all the documents Ive submitted be thoroughly reviewed so I no longer have to worry about this.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: PA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against MOHELA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.MOHELA XXXX, MOHELA XXXX, MOHELA XXXX, MOHELA XXXX & XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
The names on the accounts listed on my three credit bureaus are not spelled correctly and I want them all 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The names on the accounts listed on my three credit bureaus are not spelled correctly and I want them all removed.

Company response to consumer: Closed with explanation