vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I received an email from someone posing as American Express asking to to click on a link and login in for verification of an American Express account. I do not have an American Express card. The email reads : " You have a pending on your account, kindly confirm your login credentials and card security codes to access your account online. Login after the verification process to ensure all your transactions are accurate. '' This is a fraud attempt. This email came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
Kindly ensure these disputed entries are deleted within 15 days in line with 15 U.S. Code 1681g.

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 2025-09-18 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Dear Selene XXXX I have received your response to my concern on XX/XX/year> Your response did not addressed my concern in detail like I requested Im demanding that Selene finance read my re attached complaint and response in detail to each concerned I expect a full and transparent response, not vague generalities. If you believe I was properly evaluated, then prove it _with documentation, not apologies. 
Failure to respond to each concern in detail will lead to legal action I NEED FULL DETAILS ON WHY THE LOAN MOD WAS NOT APPROVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-09-18 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to dispute inaccurate account information and deceptive reporting based on reporting it appears XXXX XXXX, and TransUnion credit files. Which are reporting differently. I am demanding that XXXX  TransUnion and XXXX  remove these records immediately. XXXX  is reporting Paid As Agreed but different information from XXXX, Transunion and XXXX  which makes these records inaccurate. These accounts need to be removed immediately the inaccurate reporting is clear and a violation of the FCRA. 
Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate. Please investigate and remove account that can not be verified with documentation demonstrating a permissible purpose.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute inaccurate account information and deceptive reporting based on reporting it appears XXXX, Equifax, and XXXX  credit files. Which are reporting differently. I am demanding that XXXX XXXX  and Equifax remove these records immediately. Equifax is reporting Paid As Agreed but different information from XXXX XXXX and Equifax which makes these records inaccurate. These accounts need to be removed immediately the inaccurate reporting is clear and a violation of the FCRA. 
Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate. Please investigate and remove account that can not be verified with documentation demonstrating a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: Nelnet, Inc.
State: MD

Complaint narrative:
Over the summer I received an email that stated interest would begin accruing as of XX/XX/XXXX for those on the XXXX plan. I received no statement showing me the total interest accrued in that first month. I had to guess/calculate. Nelnet seems to be showing daily interest so every time I log on my total is different. It makes it hard to understand what is happening. 

This is now the second month and still no statement. 

I also made a payment the first month and only received an email confirmation with the amount. It was not clear how that had affected my total because they continue to add interest daily which is confusing. 

All I would like is a monthly statement that shows what I have paid and how my total loans have changed. 

I reached out to the company over their online chat and asked if I could get statements each month so that I could prepare accordingly. I was told that no statements would be generated until litigation is over for the XXXX plan. And that I was welcome to change my repayment plan. 

I find this very hard to believe that Nelnet can't generate a statement even though they are adding interest and collecting money from people. All I want is a statement so I know where my money is going and some transparency on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I reported about being hacked to cash app they refunded me half of the transactions and they are refusing to refund me the other {$1900.00} I am owed. Left out of all XXXX something transactions. Only reason they can give me is the transaction history I am disputing and that's it. My tag is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX charged me for a subscription service I never used or received in XXXX consecutive years : XX/XX/XXXX {$190.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$190.00} On XX/XX/XXXX, XXXX refunded me {$170.00}, which they admitted was improper and told me to dispute the remaining charges with my bank since they were too old for them to handle directly. 

I filed XXXX separate claims with Bank of America, but each was denied solely under the 60-day rule. This is unfair because XXXX accepted payment for services never provided, and I acted promptly once I discovered the issue. 

I am requesting that XXXX be held accountable for charging me for services not delivered, and that Bank of America reconsider my disputes instead of denying them based only on a technical deadline.

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 2025-09-18 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$0.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt originally associated with XXXX XXXX, Account # XXXX, now managed by Portfolio Recovery Associates. This debt is more than seven years old and has not appeared on my credit reports for over seven years, which aligns with the Fair Credit Reporting Act ( FCRA ) guidelines that prohibit reporting negative items beyond seven years from the original delinquency date. 

However, when I log into my XXXX XXXX account, the debt still appears as active. The account prompts me to contact Portfolio Recovery Associates, suggesting that it is unresolved. This is misleading and inaccurate, and it creates confusion about my financial standing. I contacted Portfolio Recovery Associates and requested that they : Cease all collection activity related to this account Notify XXXX  XXXX to remove the account from their system Provide written confirmation that the debt will no longer be reported or pursued Despite these efforts, the account remains active in XXXX XXXX XXXX and I have not received confirmation from Portfolio Recovery Associates. This outdated debt should not be reflected anywhere in my financial records, and its continued presence may negatively impact my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I learned what the problem is and here is my complaint/ concern/ question : Is there some kind of law that protects the homeowner against a sudden jump in mortgage payment that is not affordable. It is not due to an increase in insurance or the actual taxes but due to the mortgage company severely and purposefully underestimating taxes on a new home ( they knew the taxes would be more because it states in the HUD that the taxes would be near XXXX and they only escrowed for a little over XXXX ). Also they purposefully did not put the taxes owed by the seller for the first year in escrow and instead took it out of my closing costs. It appears they did this to make it look like my housing payment would be more affordable. It is fishy that Wells Fargo sold the mortgage before I found this out. We could barely pay the mortgage the way it is, and now we could lose our home because we cant afford a {$1000.00} increase in mortgage payment due to this. This is just wrong for mortgage companies to do this. I heard this is how a lot of people lose their home. There should be a law against this that protects the homeowner. Please tell me there is.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
This is my official statement that I, XXXX XXXX, did not make the purchase at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( or any other date ) for a total of {$600.00}. 

On XX/XX/XXXX, at XXXX XXXX I received a USAA FRAUD ALERT text. It stated : USAA FRAUD ALERT : Your debit card ending in XXXX was used on XXXX {$740.00} XXXX XXXX XXXX. Did you authorize? Reply Y or N. Text STOP to end fraud alerts. 
On XX/XX/XXXX, at XXXX XXXX, one minute after receiving the text alert, I called USAA. I spoke to a representative and told them that I did not attempt to make that purchase, that I had never been to that grocery store before, that I was leaving XXXX, and asked that my card be cancelled. This call is on their servers. 
Not only did I not make a purchase with my debit card on XX/XX/XXXX, it shouldnt have even been usable. 

At the time of the purchase, I was back at home, which is in XXXX Massachusetts. 
My partner and I had stayed at the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX for a concert. We left XXXX when our parking meter was up at XXXX XXXX on XX/XX/XXXX. I called USAA while I was in the car heading home. 
I have already sent images proving that I was home on XX/XX/XXXX. 

USAA is now claiming that the purchase for {$600.00} was made on XX/XX/XXXX, even thought I was explicitly told multiple times that the purchase was made on XX/XX/year> at XXXX. 

This fraudulent purchase was made at XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the store weeks ago to ask for camera footage or a copy of the receipt. They said they didn't have either of those things. 

I have submitted multiple rereviews with USAA. I have spent hours on the phone trying to talk to anyone in the disputes department or any department that can actually help me. 
I have filed a XXXX  complaint, only to have someone from USAA call me back just to tell me what was already written in my file.

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