vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: MS

Complaint narrative:
XXXX XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint and Dispute of Student Loan Accounts Reported by TransUnion Dear Consumer Financial Protection Bureau, I am formally disputing the accuracy, validity, and completeness of certain student loan accounts being reported under my name by TransUnion. I am also requesting verification and documentation pursuant to the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( if applicable ) Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Consumer Financial Protection Act, 12 U.S.C. 5531 et seq. 

Disputed Accounts : Department of Education XXXX XXXX U.S. Dept Ed / XXXX Acct # XXXX XXXX XXXX XXXX The reporting furnisher/servicer has not provided complete, accurate, and verifiable documentation establishing the legal ownership, chain of title, and enforceable contract for these loans. Without such documentation, the accounts should not be reported as valid obligations under my name. 

Specific Requests : Verification of the Accounts Provide complete documentation showing : Original promissory notes Loan disbursement records Transfer and assignment history of the loans Contracts or agreements containing my legally binding signature Disclosure of Educational Records under FERPA As these loans are tied to student financial aid, I request disclosure of all records containing my personally identifiable information, including but not limited to : Application records Authorization forms Any records showing that these loans were requested and accepted by me Correction of Credit Reporting If the servicers/furnishers can not provide legally sufficient evidence of ownership, enforceability, and consent, I demand that these student loan accounts be deleted from my TransUnion credit report immediately, as required under FCRA 1681i.

Requested Resolution : Immediate investigation and verification of the disputed accounts.

Removal of any unverifiable or inaccurate student loan accounts from my credit report.

Written confirmation of the results of your investigation and corrective actions taken.

Please treat this as a formal consumer complaint regarding inaccurate reporting linked to TransUnion and the possible misuse of personal data stemming from the recent breach. I request that this complaint be recorded for regulatory oversight.

Thank you for your prompt attention to this matter. I look forward to receiving a written response outlining the results of your investigation. 

Sincerely, XXXX XXXX, 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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a checking account with only {$100.00}. Afterward, unknown third parties deposited and withdrew large sums of money without my authorization or knowledge. I did not authorize, initiate, or benefit from these transactions. 

Now Bank of America is claiming I owe approximately {$67000.00}. This balance is fraudulent and the result of identity theft. I have disputed the account in writing with Bank of America and requested an investigation, but I am still being held responsible. 

I am asking the CFPB to require Bank of America to : Investigate and correct the account balance, Stop collection or reporting of this fraudulent debt, and Confirm in writing that I will not be held liable for transactions I did not authorize.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Someone put a credit card in my name but I was unaware

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is violation the fair credit act law with duplicating a account with same alleged debt amount and different 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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ALCAR INC.
State: OH

Complaint narrative:
I had gotten my student loan, and my loan was due soon. It was in my checking account, and they retried the payment again, although my auto pay was disabled. It got taken out of my federal student loan that I was using to pay off my private student loan. I contacted them, saying that those funds were from my federal student loan, and it's illegal to use them for loan payments. They said to me, " That payment does not fall within our refund policy and is unable to be refunded at this time. '' There was another withdrawal as I have a second loan with them that they also took from my student loan money. 

Student Loan Received : XX/XX/year> - {$4500.00} Withdrawal From My Account : XX/XX/year> - {$420.00} Withdrawl From My Account ( XXXX Loan ) : - XX/XX/year> - {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute the XXXX XXXX XXXX public record reported on my TransUnion credit file ( filed XX/XX/year>, Ref # XXXX ). 

TransUnion is providing false and misleading information. 
In their response letter ( attached ), TransUnion claimed that the XXXX  information on my credit report was verified with the court. 

This statement is not true. I am attaching an official letter from the XXXXXXXX XXXX XXXXXXXX that clearly states the court does not report or verify consumer information with credit reporting agencies.

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 2025-09-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Fraud Claim Wrongfully Denied by Wells Fargo Details of the Issue : I am submitting this complaint regarding Wells Fargos denial of a fraud claim I filed for an unauthorized transaction on my account. The bank stated the transaction was authorized, but I strongly disagree with this classification. 

I believe I was the victim of fraud through deceptive tactics that led to Phishing of the amount {$190.00} for a Lawn Mower. Despite promptly reporting the issue, Wells Fargo denied my claim without providing sufficient justification or conducting a thorough investigation. 

Timeline : - Date of fraudulent transaction : XX/XX/year> - Date I reported the fraud : XX/XX/year> ( estimated ) - Date Wells Fargo denied the claim : XX/XX/year> Why This Is a Violation : Under the Electronic Funds Transfer Act ( XXXX ), consumers are protected from unauthorized electronic transactions if reported within XXXX  days of the statement. I met this requirement. Wells Fargos denial appears to ignore this federal protection and shifts liability unfairly onto me. 

Supporting Evidence : The Phishing Website listed below is now on XXXXXXXX XXXX  highly dangerous list. I was shopping for used lawn mowers on XXXX XXXX when the Phishing website for XXXX popped up, saying it would sell a refurbished one for cheap. 
XXXX XXXX XXXXXXXXXXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX The Payment went to a XXXX account XXXXXXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union Claim Denial What Happened : {$100.00} payment came out of account.

Disputed charge Navy Federal denied claim, saying I must prove I paid them.

Proof already exists : transaction cleared my bank.

Denial violates Electronic Fund Transfer Act ( EFTA ) they must investigate within 10 business days.

Complaints Filed/To File : FTC Failure to investigate ( reportfraud.ftc.gov ) CFPB Bank/credit union misconduct ( consumerfinance.gov/complaint ) Resolution Demanded : Immediate refund of disputed funds.

Written explanation of investigation.

Oversight to ensure compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
Dear Western Union Customer Care, I am writing to formally file a complaint regarding a {$400.00} transaction that remains on hold. The funds were initiated on XX/XX/year> for XXXX XXXX, but Western Union has failed to release or return the funds in a reasonable timeframe.

Over the past several weeks, I have contacted Western Union multiple times. I was given conflicting information each time : Initially, I was told the funds would be released within XXXX hours. 

Later, I was informed the issue would be resolved within 7 days. 

Most recently, I was told I must wait XXXX  days from the transaction date. 

This repeated change in timelines has caused extreme hardship. As I explained to your agents, I need these funds for essential expenses such as food, fuel, and caring for my children. Western Unions failure to return my funds in a timely manner has created an emergency situation for my family. 

Sincerely, XXXX XXXX I request the following : Immediate release of the {$400.00} back to my card ending in XXXX. 

Written confirmation of the actions taken to resolve this matter. 

A review of Western Unions handling of this transaction, as the delays and contradictory information I received are unacceptable. 



If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), as well as explore other legal remedies including small claims court. 



Please consider this letter a formal complaint requiring urgent attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
To Whom It May Concern, I am formally disputing the fraudulent utility account that has appeared on my credit report. This account was previously disputed, investigated, and deleted because it was proven that it was opened without my authorization. I have never had utility accounts under my name prior to this.

The reappearance of this same fraudulent debt, under a different collection agency or company name, is unlawful and must be corrected immediately.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), if previously deleted information is reinserted into a credit file, the credit reporting agency must : XXXX. Obtain certification from the furnisher of information that the account is accurate. 
XXXX. Provide the consumer written notice within XXXX business days of reinsertion. 

Failure to comply with these requirements is a direct violation of federal law. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ), it is a deceptive practice for a debt collector to report information to a credit bureau that is known to be false, including debts resulting from identity theft or fraud.

This account is not mine. It was fraudulently opened, proven in a prior investigation, and deleted. The attempt to reinsert it under another name is unlawful.

I am demanding the following : Immediate and permanent deletion of this fraudulent utility debt from my credit report.

Written confirmation of deletion.

Verification of the furnisher attempting to reinsert this account. 

If this matter is not resolved swiftly and in full compliance with the FCRA and FDCPA, I will pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

This issue requires immediate resolution. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My loan was with XXXX loan servicing. Then in XXXX it was sold to Shellpoint mortgage Services. I became unemployed and struggled to make payments. I requested help with Shellpoint using their website and phone number to use a loss mitigation work out. Every time I submit the required information, they claim that it was never received or that it was not done correctly. They don't provide the proper steps to follow on how the paperwork they request should be done. I keep being told the same things over and over, no paperwork submitted and you didn't do it right. They won't let me talk to the loss mitigation department. They say they will call back or send a letter. This has been going on since XX/XX/XXXX until this day of XX/XX/XXXX. I have been going through a lot of trouble with Shellpoint. They have not provided any help and claim that they never received any information, and have to start the process from the beginning. I have all the proof that I have sent them all paperwork with times and dates. Please advise on the next steps since I am thinking f seeking legal advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
This is the third formal complaint that Ive made against MOHELA in the last year. 

MOHELA takes my payment every month from my account and refuses to apply it to a loan showing that the account is past due. This is an ongoing issue and my third complaint with the company. I am over it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I purchased Equifax premier membership for XXXX  monthly and Im unable to see my XXXX credit scores and my recent credit scores and Im getting a error message after I login and its showing only my XXXX XXXX credit score and nothing hasnt been fixed and Equifax said they will fix it but its not showing the three scores and my recent Creidt report and second Ive try to increase my credit limit with XXXX XXXX  over XXXX  times on my XXXX  cards ending in XXXX XXXX XXXX and they are getting denied for three reasons  credit bureau information is unavailable  we were unable to obtain your recent monthly payment data from credit reporting agency  they are unable to get the credit data from XXXX XXXX at all Im asking Equifax to send the datas to XXXX XXXX  .. all Im seeing is XXXX XXXX credit report on my Equifax'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
b'I submitted a Consolidation and Income-Driven Repayment (IDR) application to XXXX  on XXXX XXXX XXXX (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  confirmed delivery on XXXX XXXX XXXX.\n\nOver the following nine months, I called multiple times and was repeatedly told by Aidvantage representatives that my application was received and in process, while I was placed in successive forbearances.\n\nXXXX XXXX XXXX XXXX, a representative admitted my application had been in Aidvantages possession since XXXX  XXXX  but had never been processed. Because of this delay, I was told I was no longer eligible for IDR due to a XXXX  XXXX  injunctionsomething that would not have affected me if Aidvantage had processed my application on time.\n\nOn XXXX XXXX XXXX I received a denial letter stating I was ineligible because I do not meet qualifications or did not select a repayment plan. This is false. My IDR application has been on file since XXXX XXXX and confirmed by multiple XXXX  representatives.\n\nIf there had been any issue with my application, XXXX  should have told me during one of the many calls I made between XXXX XXXX XXXX XXXX XXXX. Instead, I was continually told my application was in process.\n\nI called Aidvantage twice this week (XXXX XXXX XXXX) and they have advised me that I need to submit a new application for IDR.  \n\nImpact:\n\tI have been in IDR for years and had already accumulated XXXX  qualifying months toward forgiveness.\n\tI only applied for consolidation because of the Department of Educations one-time IDR account adjustment, which would have credited me with additional months.\n\tAidvantages negligence has put my loan forgiveness progress at risk, caused improper interest accrual, and created severe stress.\n\nWhat I want:\n1.\tMy IDR application treated as if it were processed in June 2024.\n2.\tReinstatement of eligibility for IDR and the one-time adjustment.\n3.\tRemoval of all improperly accrued interest.\n4.\tWritten assurance my credit report will not be negatively impacted.'

Company response to consumer: Closed with explanation