vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.

Complaint narrative:
Timeline of Events and Actions : XX/XX/year> : I received a notification from Mercury that my account was being closed, citing a violation of their Terms of Service. The email stated that my funds would be held for at least XXXX days and disbursed by check to my address. No prior warning or detailed reason was provided. ( [ XXXX ] ) XX/XX/year> : XXXX emailed confirmation that the closure check ( for the remaining balance of {$10000.00} ) was sent to my physical address. ( [ XXXX ] ) XX/XX/year> : I initiated deposit of the check on my new bank account at XXXX ( XXXXXXXX XXXX ). 

XX/XX/year> : XXXX requested I provide a bank statement for the original Mercury account to confirm the source of the check. ( [ XXXX ] ) XX/XX/year> : I contacted Mercury support via email, explaining XXXX compliance request and asked for a bank statement for my closed Mercury account. Mercury did not respond with any documentation. ( [ XXXX ] ) XX/XX/year> : My XXXX account was locked until I could produce the requested bank statement and an account closure confirmation from Mercury, as required by XXXX compliance policy. ( [ XXXX ] ) XX/XX/year> : XXXX again asked for an official account closure confirmation and a Mercury account statement to confirm previous ownership. ( [ XXXX ] ) XX/XX/year> : I submitted an additional support request to Mercury, reiterating the urgency and compliance impact ; Mercurys compliance department responded denying any further support, stating they can not provide statements or documentation for closed accounts, and closed further communication. ( [ XXXX ] ) XXXX of XXXX : Mercury closed my account without warning, and refused to provide even basic account documentation ( statement, closure letter ) needed for compliance and confirmation of legitimate business banking. 

XXXX ( XXXXXXXX XXXX XXXX has locked my new account and funds until I can provide these documents, which Mercury will not supply. 

This situation has caused business interruption, financial stress, and regulatory risk through no fault of my own.

Documents provided : Copies of Mercurys account closure notice, confirmation of closure check sent, all correspondence with Mercury and XXXX, and Mercurys explicit refusal to further communicate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-11-05 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: VA

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-11-05 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several negative items on my credit report issued by Experian. Upon reviewing my report, I noticed discrepancies that need to be addressed. Please review the following items for further investigation : XXXX. XXXX XXXX XXXX Account This account has been charged off with a balance of {$500.00}. I request that you verify this charge-off status and provide documentation supporting the debt. 
XXXX. XXXX FL XXXX Account This account was marked as repossessed. Please provide evidence to support this repossession and any details related to its closure. 
XXXX. Late Payments My report includes late payments marked as 30, 60, and 90 days late. I dispute these late entries and ask that you provide documentation verifying these claims.

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 2025-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against MOHELA and the U.S. Department of Education ( Federal Student Aid ) for their ongoing failure to process my request to remove my federal student loans from forbearance and properly apply my qualifying payments toward Public Service Loan Forgiveness ( PSLF ). 
I have worked in the public sector for 14 years and have maintained federal student loans for approximately 10 years. I have met the employment and time requirements for XXXX, but due to administrative errors and inaction by MOHELA and XXXX XXXX XXXX, my account has been stuck in forbearance since XX/XX/year>, preventing me from receiving the forgiveness I have earned. 
Here is a summary of the issue : On XX/XX/year>, I contacted MOHELA to remove my loans from forbearance. I was informed it would take 90 days, which was later changed to XXXX business days. 
MOHELA advised me to apply for a XXXX XXXX XXXX XXXX ( XXXX ) to restart payments. I applied twice, but both applications were denied without explanation. 
On XX/XX/year>, a MOHELA representative helped me apply for an Income-Contingent Repayment ( ICR ) plan. I have been waiting for review and approval ever since, with no resolution. I even had attempted to transfer my student loan to another official services of federal student Loan ( aidVantage ) and It was denied. 

In my most recent call, MOHELA claimed that XXXX XXXX XXXX is responsible for the delay and that they have no control over the process. 
Despite multiple calls and follow-ups, my account remains in forbearance, and I am unable to make payments that would count toward XXXX. 
I have also reached out to the XXXX XXXX XXXX Ombudsman XXXX multiple times, including submitting XXXX feedback cases # XXXX and # XXXX but I have not received any response or assistance. 

This ongoing situation has caused unnecessary stress and is unfairly preventing me from obtaining XXXX benefits that I have rightfully earned after a decade of public service. I am willing to make any payments required to bring my account current, but the systems inaction is making that impossible. 

I am requesting that the CFPB investigate MOHELAs handling of my account and require both MOHELA and Federal Student Aid to remove my loans from forbearance, review my XXXX eligibility, and provide a clear timeline for resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NM

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from 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 explanation
Consumer complaint received 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-05 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:
Hi, I am writing to correct the personal information listed on my credit report. The previous addresses shown are incorrect, and this inaccuracy has been causing issues with my credit applications, which is extremely frustrating and inconvenient.

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 2025-11-05 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX  XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im reaching out because theres a lot of old and wrong personal information showing up on my credit file that shouldnt be there anymore. Ive tried to get it fixed before, but its still not corrected. Im asking that these items be investigated and removed right away under the Fair Credit Reporting Act ( FCRA ). 

My legal name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Thats the only name and address I use. 

XXXX what needs to be deleted because its either outdated, incorrect, or cant be verified : Outdated Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate Names XXXX XXXX XXXX Outdated Employment XXXX XXXX XXXX  Date Updated XXXX XXXX XXXX XXXX XXXX XXXX Date Updated XXXX XXXXXX/XX/XXXX Ive attached my dispute letter for this month that includes my ID and proof of address so you can verify my correct information.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to demand that you immediately stop contacting me about the account you claim I owe. I dispute the validity of this alleged debt, and I do not give permission for any further phone calls, letters, emails, or other attempts to reach me. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), once a consumer gives written notice to cease communication, a collector must comply. If you continue to contact me or report inaccurate information after receiving this letter, I will consider it a willful violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: River Financial Inc.
State: TX

Complaint narrative:
Summary of Issue : I am filing a complaint regarding unauthorized access and theft from my River Financial cryptocurrency account, resulting in the loss of {$4400.00}. The company failed to prevent or respond appropriately to fraudulent account activity.

Details : - I had {$4400.00} invested with River Financial in XXXX. 
- On XX/XX/year>, a bad actor hacked into my River account, changed my email address and phone number, and conducted unauthorized transactions. 
- At XXXXXXXX XXXX  ( on a bank holiday ), the hacker sold my XXXX holdings without authorization. 
- At XXXXXXXX XXXX, River processed a withdrawal of funds to the hackers external bank account.

- Because my contact information had been changed, I was locked out of my account and unable to reach River customer service for immediate help. They said they could not assist me because I was not a registered customer under the new ( fraudulent ) contact information. 
- At XXXXXXXX XXXX, the hacker attempted another fraudulent transfer of {$8000.00} from a linked bank account, but the funds were unavailable because I had already moved the money.

- Despite insufficient funds, River allowed the hacker to initiate buy/sell activity and additional withdrawals. 
- I was finally able to reach River customer support on XX/XX/year>, but by then all the unauthorized activity had occurred and the funds were gone. 

Loss : My account now shows a balance of {$56.00} and no remaining XXXX. 
Total verified loss : {$4400.00}.

Concerns : 1. River failed to flag or stop clearly suspicious and unauthorized transactions, including buy/sell orders and withdrawals on a bank holiday. 
2. River appears to have allowed trading and withdrawal activity without sufficient funds, which should not have been possible.

3. The company provided no immediate means of emergency contact when account credentials were hijacked.

4. Given the platforms security failures and lack of timely fraud intervention, I believe River should absorb or reimburse part or all of this loss. 


Consumer Harm Statement : This fraudulent incident caused severe financial distress and loss of trust in the companys ability to protect consumer assets. I took immediate action to prevent further loss, but Rivers systems and customer access procedures failed to protect me from theft or provide timely assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Summary of Issue : I purchased furniture from XXXX on XX/XX/year> for a total of {$5700.00}, using my XXXX Synchrony XXXX ( ending XXXX ) and paid {$2900.00} ( + Interests for XXXX  months {$350.00} ). The order ( XXXX XXXXXXXX ) was canceled by XXXX on XX/XX/year>, but no refund was issued. Shortly afterward, the XXXX card program migrated from Synchrony Bank to Imprint Payments, and a {$2500.00} balance was transferred to my new XXXX XXXX XXXX card ( ending XXXX ). 

I have raised disputes with both Synchrony and Imprint ( Imprint Dispute XXXX XXXXXXXX ). XXXX claims the refund must come from the merchant or Imprint, and XXXX claims the transaction originated before migration and is XXXX responsibility. XXXX confirms the order was canceled but insists the refund must be handled by the banks since a dispute is open. XXXX ticket numbers XXXX, XXXX. 

This circular handling between the merchant and both banks has left me without my refund for over XXXX months. I am requesting the XXXX assistance to compel Synchrony and Imprint to coordinate and apply the refund under Regulation Z / Truth in Lending Act obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-05 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER XXXX XXXXXXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within XXXX ( XXXX ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with EQUIFAX, the following fraudulent accounts remain on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet EQUIFAX continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that EQUIFAX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year> I received an email stating " we've suspended your XXXX and XXXX Transfers profile XXXX has been adverse activity reported on your profile. XXXX. We have received information that you may not be the owner of XXXX of the external accounts added to your transfer profile '' When I logged in I learned all my accounts were closed and funds removed. The statements made in the email are false, I have never used XXXX with these accounts and all external linked bank accounts belong to me. In addition I reviewed my XXXX XXXX XXXX XXXX  and XXXX XXXX banking disclosure reports and no adverse actions have ever been reported about any of my banking accounts. These Ally bank accounts have been open for XXXX years with no negative activity. XXXX  law requires XXXX  days notice before account closure, these account were closed with no notice.

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