vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
Awhile ago I allegedly opened up an investment account but the was not updating me about anything with the account. I was then sent a check for {$8400.00} at this time my phone service and Internet service was interrupted, so I was not able to take any steps or measures to validate or verify the check in anyway. I deposited the check into the bank account. Whats then became closed because the XXXX was flagged as fake or altered. The person that sent me the check and then are pretty much at the same time. Also requested that I send money back to them from the check which I would have not done. Its obvious that the person that sent me to check was trying to scam me. Use me for a criminal activity without my knowledge or will. Also, what has been frozen within the bank account since the bank taking whatever action that the are taking is my Social Security check I have not been able to pay bills by food anything. They are considering or supposedly would be reviewing the account to be closed while I did nothing wrong. I am a victim being victimized by the individual that sent me the check also buy this bank policies. It has been going on insurance at least the third of this month we are now at the ninth of this month and my assets when my Social Security check, I have not had access to to live purchase pay bills or survive. I can not find out any status of any information or whats going on. I understand that my bank account i possibly going to be closed again. I did nothing wrong. I am a victim of a crime, and I am being victimized by the bank in the policies and procedures as well. I am currently banking with US Bank account number. XXXX I certainly have done nothing wrong fraudulent or criminal regarding this matter. I am a victim of a scam a crime. How do I review that I should be forced to not be able to manage life potentially have my bank account caused for days weeks and months with my assets which is my security checked. It could be understandable that a situation like this could cause my account status to be on hold for a reasonable time not days or weeks or indefinitely to XXXX XXXX that I can not manage and sustain life I spoke to the bank branch who sent an email requesting that My Account will not be closed and be unlocked. I filed a police report. I sent an email to the XXXX. Regardless of the situation to length, the time of this has been excessive and ridiculous with no update. No information being cheered with me nothing whatsoever.

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 2025-12-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXX/XX/XXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later thanXX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: AR

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
I went in to pay my mortgage yesterday and discovered I could not pay it as the balance was {$0.00}, and I was met with a " PIF '' error with no other information. I had to XXXX what " XXXX '' meant and discovered my loan had been sold. I had received NOTHING from Arvest about this. I thought perhaps the company had been hacked/ had a data breach or internal error as there was ALSO no information in the documents and communication section of the Arvest mortgage portal - which is where ALL other regulatory and important info is stored and communicated. I am CERTAIN I never received a letter from them ( though they swear they sent it out twice ), as I care for my parents and I MUST scrutinize the mail, tracking their bills, medical communications, XXXX, XXXX, and XXXX benefits info etc. I checked my email and discovered that XXXX had sent me a statement on XX/XX/XXXX which said NOTHING about the pending sale / transfer of my loan. I then discovered an email from my new mortgage servicer, which they sent on XX/XX/XXXX. I had ignored that message as I didn't know who they were and I assumed it was spam - why would I look at an email from a mortgage company with which ( as far as I knew ) I was not doing business? When I began to research this, I discovered that Arvest is required to inform me of any such sale within XXXX days ( minimum ) of the transfer. The transfer- per the email from the new servicer- was official on XX/XX/XXXX. That means the statement from Arvest was sent just XXXX DAYS prior to when they were legally required to notify me- but it said nothing. 

Even if we assume XXXX or more physical letters are sent out, that does not mean they did their due diligence informing me. Email exists- and they used it to tell me everything else - and, in fact, allowed me to identify email as my preferred method of communication, but then failed to use that selection when notifying me of this change. They have a customer portal- they could and should have puta notice there as well. And they have my phone number. This is EXACTLY the sort of thing that deserves, at the least, an in-person voicemail directing me to a letter in my portal, or similar. 

I understand that there is limited harm here, but I still want Arvest held to account for what appears to be a legal transgression. My house is the single largest asset I have, or will likely ever have. It's the greatest investment I have, or will likely ever have. It is the place I live, and it is the place I bought to care for my parents ( they have their own mother-in-law type space on the ground floor ). Arvest cavalierly sold MY HOUSE ( which, yes, is owned by the servicer until I pay it off ) without telling me. That shows PROFOUND disrespect to me as a customer, and to me and my parents as the folks who dwell in the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 USC 1681i ), failure to ensure maximum possible accuracy ( 1681e ( b ) ), and for accepting clearly inaccurate/retaliatory data furnished by XXXX XXXX while my dispute was still open. 

Between XXXX 2025, I filed a dispute regarding a XXXX XXXX tradeline that is factually inaccurate and includes impossible payment activity. TransUnion initially opened the dispute, however on XXXX XXXX, 2025 TransUnion reported the account as verified as accurate while the furnisher was still actively under investigation with the other CRAs for the same inaccuracies and for retaliation. 

TransUnion accepted new updated information from the furnisher even though this account was already in an active dispute period and the update itself appears retaliatory, similar to earlier retaliatory updates provided to other CRAs. 

TransUnion failed to provide me with the validation used to verify the accuracy, failed to provide procedures used in the reinvestigation, and failed to identify any actual documentary validation from the furnisher. 

TransUnions own dispute summary indicates they relied on prior verification rather than an independent reinvestigation. This is not compliant with FCRA and was already federally disputed.

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 2025-12-09 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XX/XX/XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS :XX/XX/XXXXXX/XX/XXXXBalance : {$230000.00} - Date Opened : XX/XX/XXXX XX/XX/XXXXBalance : {$4600.00} - Date Opened : XX/XX/XXXXXX/XX/XXXXXXXXXX/XX/XXXX Balance : {$450.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I had a CashApp account that was in good standing, but I had closed it due to a poor dispute decision. Well, I recently decided to open an account up to conduct business, and kept being offered their free card. The issue was that was whenever I would apply. I would get an error saying.An error has occurred. Please try again later. So I would give it some time, try it again, and even.follow their steps online to make sure everything was set and verified. Still no resolution. So I started reaching out to Support, and theyd tell me I wasnt approved and they couldnt give me any further details, and I MAY qualify in the future, and to use their other features. Thats shady to me. Id escalate it, and even reach out to XX/XX/XXXX, but Id get the same copy and pasted response. Now Im frustrated because Im losing money through the process theyre suggesting to try. I just want the card and/or some answers. Now its to the point where I cant even get my routing and account numbers. It even tells me that I cant get to direct deposit information until I get a free card, then sends me to the page to request a free card. I end up back in the same loop with the same error. The account number isnt even on my statements anymore. This is going on over 4 years of the same cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
When I identified fraudulent activity on my bank account, XXXX XXXX XXXX XXXX my bank refused to turn it in after speaking to my father XXXX XXXX XXXX XXXX XXXXXXXX representative XXXX XXXX XXXX my personal banker would not turn over the embezzlement of the Oklahoma Department of commerce Covid relief fund. After calling the bank XXXX times over XXXX year and XXXX filing multiple complaints about their employee XXXX XXXX XXXX not filing I was contacted by an attorney who filed a lawsuit for XXXX or more and told me that I would no longer be talking to the bank and if I wanted in my bank records, he was the XXXX representing them. First unit will not take my phone call and will not give me my bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following items on my credit report. The items listed below have inaccuracies or discrepancies that need to be corrected. 

Charged Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$63.00} Inquiries : XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Paid off the auto loan in XXXX. Waited the 6-8 weeks for the title to be sent. Wells Fargo said that the title must be lost. Asked for a lien release 6-8 times! After being hung up on and waitind 15 plus minutes for customer service. Also requesting costs as they lost the lien! Last call was hung up on again.

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 2025-12-09 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: TX

Complaint narrative:
I am formally requesting the deletion of these unapproved accounts from my credit report, since I did not create them and was not made aware of them. Per USC 1681g, I anticipate their removal within XXXX  days. Attached are the necessary supporting materials.

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 2025-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding repeated issues with Sallie Mae 's payment processing practices and a recent problematic interaction with a chat representative. 

On XX/XX/year>, I contacted Sallie Mae via chat to make a {$300.00} debit card payment. A representative I spoke with the day prior informed me that debit card payments could be taken through chat when speaking with a live agent, so I initiated a new chat to make the same type of payment. 

During this recent chat, however, the representative refused to process the debit card payment despite my clear statement that {$300.00} was the amount I could pay at that time. The agent repeatedly stalled, asked irrelevant questions, and insisted that I had not scheduled my other payments even though I had. The representative also pressured me to pay more than {$300.00} after I repeatedly explained that {$300.00} was all that was available in my account at that moment. 

The stalling went on for over 20 minutes, which put me at risk of other debits hitting my account before Sallie Mae could take the payment. This behavior felt intentionally obstructive and designed to push me into either paying more than I could afford or missing the payment opportunity altogether. I do not recall the representatives name, but Sallie Mae should have full chat logs for this date and time. 

In addition to this incident, I want to report a consistent pattern of excessive ACH withdrawal delays. Sallie Mae routinely takes far longer than the standard 25 business days to initiate ACH debits, often withdrawing payments well after other bills have hit my account, even when I schedule payments with ample lead time. This causes unexpected rejections due to timing issues that are outside my control. Although technically legal, this pattern of behavior feels deceptive and predatory, creating unnecessary risk of failed payments and late fees. 

These combined issues indicate poor servicing practices and potentially unfair or abusive conduct. I am requesting review of their payment handling procedures, the agents refusal to take a valid payment, and the excessive delays in ACH withdrawal that put consumers at financial risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: InDebted Corporation
State: AZ

Complaint narrative:
XX/XX/XXXXis fraudlently and inaccurate reporting a XXXX balance as past due and delinquent. It was never delinquent nor was it owed, however I paid so it would be updated to paid. XX/XX/XXXX opened a dispute and failed to properly investigate and XX/XX/XXXXillegally certified the debt as past due on XX/XX/XXXX despite me paying prior to that. I will be suing experian for fraudlent reporting and I will be suing XX/XX/XXXXfor FDCPA/FCRA violations as well as reporting their licensure to the XXXX. Minimum of {$1000.00} from XX/XX/XXXXand {$1000.00} fromXX/XX/XXXX excluding emotional damages and attorney fees as per the law that handles debt collection and inaccurate credit reporting. Immediately cease and desist all inaccurate credit reporting or get sued and reporting to every governing body that handles complaints for XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-12-09 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am disputing the following accounts on my credit report as they do not accurately reflect my credit history or payment behavior. I respectfully request these accounts be verified, and if they can not be verified, removed from my credit report. 

Charged Off Accounts : 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 non-monetary relief