vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
I have contacted customer service on numerous occasions after I filed my taxes this year and noticed there was an escrow surplus of {$1700.00} from year XXXX that showed up on the end off year XXXX statement. I never recalled depositing this check so I reached back to the mortgage company and they sent me a copy of signed and cancelled check but it was all blurred on the information I really wanted which was the stamp of the institution it was cashed and the back account where it was cashed. I was told that since the check was more than XXXX XXXX XXXX they could not provide me this information without doing and affidavit of forgery which I did submit to later having the same answer and the information requested was denied by just merely stating it was my signature despite I have been consistently stating this check was not cashed by me and not cashed in any of my accounts. On of XXXX my calls to customer service on XX/XX/XXXX ( over XXXX hour long, somebody named XXXX who appears to be from a XXXX that manages investigation ), they made me call my bank institution and I had to authorize this representative to ask questions and Bank XXXX XXXX confirmed to this representative that there was no transaction from my back account around those dates. At some point I was told by XXXX different representatives that at some point this check was rejected due to a missing signature. On several occasions I have been told that they would reissue the check and after several weeks of not receiving it I contact them and they state they will not reissue. Have been with this runaround since XXXX that was the date of my first inquiry. Most recently, my home loan is being managed by another institution and they are just evading to give me reissue this check and reimburse me or at least provide me information regarding where it was cashed so I can file a complaint with the bank institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
Complaint ID : XXXX To Whom It May Concern : This is a follow-up and escalation to my original CFPB complaint against MOHELA. That complaint prompted MOHELA to acknowledge my formal dispute ( sent via certified mail on XX/XX/2025 ), but they have still not complied with their legal obligations. 

As of XX/XX/2025, MOHELA has : Failed to provide any of the requested documentation validating the loan ( promissory note, chain of title or assignment, payment history and disbursement record, school certification documents ). 
Continued to send communications implying delinquency and missed payments despite a legally protected dispute being on file. 

These actions directly violate : 12 CFR 1022.43, which requires furnisher investigation and response within 30 days.

The Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 & 5536 - due to unfair and deceptive servicing and collection practices. 

MOHELA was already granted additional time when they responded on XX/XX/XXXX stating they were still investigating, but no meaningful action has taken place since. 

I am requesting the following : That MOHELA be ordered to cease collection and reporting immediately. 
That this loan be declared unenforceable and discharged due to lack of validation.

That MOHELA stop all collection activity, including billing statements, emails, and credit reporting.

I have been more than patient with this manner and expect a resolution. MOHELAs continued failure to comply is not only unacceptable it may require legal and regulatory penalties at this point. 

Loan : XXXX Loan : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello my name is XXXX XXXX about USAA Bank XXXX XXXX XXXX XXXX. They keep charging me a past due past due past due account I had a secure Visa with USAA trying to build my credit and all they did was end up ruining my credit I don't even know where to charge came from but I had a {$500.00} secure card I called in one day and whatever my bill was it was XXXX and I called in and I said do y'all can y'all extend me {$3.00} over my account and they they assured me that they couldn't assured me that they couldn't and so I ended up being hospitalized had a life threatening situation life or death while I was in there I seen that it was like a {$3000.00} charge on my card or whatever and I disputed it or whatever and like I say I was it was life-threading I went I was in the hospital for like XXXX XXXX months I got out charged with still there I tried to get it off and it's just ruining my credit it's ruining my credit what will happen I don't know I mean I probably need some type of pain and suffering for what it's doing to my credit.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I sent LexisNexis a formal dispute letter on XX/XX/year>, using the XXXX Mail XXXX at the address listed on my consumer report : XXXX XXXX XXXXXXXX, XXXX, GA XXXX. I formally dispute the following errors in my LexisNexis XXXX file in this letter : Inaccurate Personal Information The Accuracy and Verifiability of Bankruptcy Records : Court : XXXX XXXX XXXX Bankruptcy Filing Number : XXXX However, on XX/XX/year>, my original dispute letter was returned to me unopened and undelivered. This is unacceptable. The mailing address I used was the same one listed on my LexisNexis consumer disclosure. The returned mail raises serious concerns : either the published address is invalid, or LexisNexis is deliberately avoiding dispute correspondence. 
Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is legally obligated to accept valid consumer disputes and conduct a reasonable investigation within 30 days of receipt. By failing to even accept my properly mailed dispute, LexisNexis is in direct violation of federal law. 
This neglect has real consequencesit compromises the accuracy of my consumer file and jeopardizes my financial well-being. LexisNexiss failure to adhere to its responsibilities under the FCRA demonstrates a disturbing lack of accountability and consumer transparency. 
To support my complaint, I have attached : A copy of my original dispute letter A photo/scan of the returned envelope with return to sender note

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
Kinum is a debt collector. I have disputed all debts to Kinum in writing and verbally. I had an attorney also dispute the debts. However, Kinum has place a negative review on my credit impacting my credit score. This debt has been contested and disputed. 

Dates XX/XX/XXXX - I received a call from XXXX XXXX from Kinum. Advised any owned money is paid and disputed any debt. 
XX/XX/XXXX - My attorney, XXXX XXXX, spoke to XXXX XXXX and advised her I disputed the debt and any contractural obligations. XXXX also advised any reporting to the credit bureaus must be reported as disputed. 
XX/XX/XXXX - Kinum mailed letter for {$2100.00} owed XX/XX/XXXX - XXXX letter to Kinum disputing debt XX/XX/XXXX - Certified letter to Kinum disputing debt XX/XX/XXXX- Kinum reported debt to collection bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  due to inaccurate reporting and mishandling of my account, which has caused measurable harm to my credit.

Key Issues : 1. Inaccurate Reporting : XXXX XXXX  has reported late payments and incorrect balances that do not reflect my actual account history. These errors are affecting my credit score and overall financial standing.

2. Hardship Not Acknowledged : I missed a payment due to loss of employment, which was a temporary financial hardship. Despite fully paying off the account and proactively notifying XXXX XXXX, they have refused to correct the reporting errors.

3. Violation of Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), Sections 1681s-2 ( b ) and 1681i, consumers have the right to have inaccurate information corrected or removed from credit reports. XXXX XXXX  has failed to comply with these obligations despite repeated requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
CFBB Complaint Against Paypal Inc .

PayPal Fraud & Unauthorized Transactions Company : PayPal , Inc . 
Product : Digital Wallet / Electronic Payments Issue : Fraud or scam unauthorized transactions What happened On XXXX XXXX XXXX I was the victim of a hacking/identity theft attack that targeted my financial accounts, including my PayPal account XXXX my checking account ( at XXXX XXXX ) , and my credit card. 

Fraudsters gained access to my accounts and conducted multiple unauthorized transactions. They manipulated the accounts to make it appear as though I personally authorized these transactions, but I did not. 

My bank ( XXXX XXXXXXXX ) has already determined that many of these transactions were fraudulent. 
PayPal has denied three disputed transactions, incorrectly claiming I authorized them. 
They were on forms on XX/XX/XXXX and XX/XX/XXXX, that all transactions to XXXX XXXX XXXX was fraudulent and I never authorized not one of them. 

I am filing this complaint because my PayPal account was hacked and used for unauthorized transactions I did not authorize or benefit from these transactions anyway to XXXX XXXX XXXX 

Despite my prompt reporting of the fraud to PayPal, the company has refused to acknowledge that these charges were fraudulent and continues to hold me responsible, as apparently they didn't record all transactions to this vendor ( XXXX XXXXXXXX XXXX  ) as being fraudulent and validated at least three of them against the facts of the case and naturally against me and the victimizes me all over again. 


This is in direct violation of federal consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ) and related guidelines, which clearly state that consumers can not be held liable for unauthorized electronic fund transfers if they did not initiate or authorize them. 

I am the victim of theft and fraud, not the perpetrator. PayPals refusal to reverse the charges or provide protection places the burden of fraud on me, the consumer, which is unlawful, and in the immediate term, threatens my historically exemplary credit status. As of a few days ago my XXXX was XXXX to XXXX. 

eft me financially exposed and at risk of credit damage. 

Actions I have taken : I filed a police report ( Case Number : [ insert number ] ). 
I have disputed the fraudulent transactions with both XXXX and PayPal. 
I am filing this FTC Identity Theft Report to document that I am the victim of a fraud attack.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My financial beliefs aren't accurately shown here.

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation