vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion is willfully violating the Fair Credit Reporting Act ( FCRA ) by : Refusing to reinvestigate my disputes, which is illegal under FCRA 611 ( a ) ( 1 ). 

Reporting the same Department of Education account twice, creating false debt inflation and violating FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ). 

Verifying accounts without providing any supporting documentation. 

Failing to provide a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Continuing to report inaccurate, unverifiable, and duplicate information despite multiple disputes. 

These actions have caused me financial damages, emotional distress, credit score drops, denial of credit opportunities, and increased cost of borrowing.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was added as a joint account holder on a Bank of America account at a local branch in XXXX XXXX XXXX Although I was listed as a joint holder, I did not actively use the account. I did not initiate any deposits, withdrawals, or transactions. All activity on the account was conducted solely by the primary account holder. 
In XX/XX/XXXX, I attempted to open a new joint account with my husband at Bank of America and was unexpectedly denied. This was the first time I learned that the prior joint account had been overdrawn, closed, and reported as delinquent. I received no notices regarding any overdraft, negative balance, or the impending closure of the account. I was not informed of the debt, nor given any opportunity to correct or dispute it before the negative information was reported. 
I was informed by bank personnel that the account had been closed with a negative balance of approximately {$1000.00} a balance I did not create and had no knowledge of. I was referred to an internal department for assistance, where I explained that I had not participated in the accounts activity for years and had no involvement in the overdraft. I was told that only the primary account holder, my father, could remove me from the account, despite my request to be released from liability. 
Since XX/XX/XXXX, I have made multiple attempts to resolve this issue and have requested to be removed from responsibility for the delinquency. No corrective action has been taken by the primary account holder, and the bank has not provided any documentation showing that I was properly notified or given due process before the account was closed and reported. 
This situation has caused significant harm, including the inability to open a bank account and negative reporting to XXXX based on activity I did not authorize and was not aware of. I am requesting CFPB assistance to review the accuracy and fairness of the reporting, confirm whether proper notice was provided, and help facilitate a resolution so that the negative information can be corrected or 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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicing ( SPS ) for failing to apply my 100 % XXXX Veteran Property Tax Exemption for my home located in XXXX XXXX, Texas. 

I am a XXXX veteran rated 100 %, which qualifies me for full property tax exemption under Texas law. I provided SPS with my official property tax exemption documentation in XX/XX/year>. Since then, I have contacted SPS on five separate occasions to confirm processing and application of my exemption. 

Despite repeated communication, SPS has failed to apply the exemption to my escrow account, and my monthly mortgage payments continue to reflect property taxes that I should not be charged. This has caused financial strain and unnecessary stress, especially as a XXXX veteran who relies on a fixed income. 

My concerns include : SPS has not applied a legally valid exemption that I provided months ago. 
My monthly payments continue to include incorrect property tax charges. 
SPS has provided no explanation, resolution, or timeline, despite multiple follow-ups. 
I feel this reflects negligence toward XXXX veterans and disregard for my financial wellbeing. 

Requested Resolution : 1. Immediate application of my 100 % XXXX Veteran Property Tax Exemption to my account. 
2. A corrected calculation of my escrow and mortgage payment reflecting the exemption.

3. A full refund or credit of any overcharges resulting from SPS 's failure to process the exemption. 
4. Written confirmation that the exemption has been permanently applied.

I am providing all supporting documents, including my exemption letter from XXXX XXXX, prior communication records, and any escrow statements showing incorrect charges. 
Thank you for your attention to this matter. I respectfully request prompt action to ensure compliance with Texas law and correct handling of my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Novo Platform Inc.
State: UT

Complaint narrative:
I opened an account and completed all the terms of the offer as stated, but the company will not give me the bonus or tell me why I'm not eligible for the bonus. 

XXXXAccount opened XX/XX/year> from the XXXX offer link ( term stated it had to be opened from XXXX XXXX this fulfills that term ) - {$5000.00} deposit made the same day, XX/XX/year> ( term stated a {$5000.00} had to be made within XXXX XXXXays of account opening and that money had to be held for XXXX XXXXays after deposit ) - {$4900.00} withdrawn on XX/XX/year> ( That completed the term of holding the money for 90 days ). 
-Two debit cards purchases were made on XX/XX/year> ( term stated XXXX debit card purchases had to be made within XXXX days of account opening so this fulfilled that term ). 

I fulfilled all of the terms as stated in the offer. I am 100 % eligible for the bonus. 

I contacted their support and asked why I had not received the bonus. After XXXX weeks the support group replied saying the XXXX XXXX says I am not eligible for the bonus. I've asked why I'm not eligible and the support group told me " I don't know why, the Accounts Team just says you're not eligible. '' This appears to be fraud on their part. I have asked them to tell me why I'm not eligible or to deposit the {$300.00} bonus sine I've met all the terms, but they have not done either one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-03 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: TX

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

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 2025-12-03 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I submitted a complaint to my Parents Plus Loan orginator Aidvantage regarding XXXX XXXX XXXX XXXX because they overcharged my son for his attendance. They basically told him to drop out of his courses because he was going to fail, yet they charged him for the full year of school which we paid for with a Parents Plus Loan. The loan was put into Administrative Forebearance while they were investigating my complaint. It has been over two years and I will had not heard anything about it. Today I received an email letting me know they had added {$8200.00} interest to my loan. This is completely unacceptable. I was not making payments on my loan because I did not know what my loan balance should be since it was being investigated. I assumed there would not be any interest accrued since they were investigating it. Nobody communicated this with me. I want the interest removed and my loan put back to the previous unpaid principle and I want the loan frozen while they are investigating my complaint. The way XXXX treated my son is unacceptable. The school simply wanted to keep their track record of having high academic results and they did nothing to help a student who was struggling apart from telling him to drop out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-03 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: TX

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
Mohela told me that a refund was processed for my account, but I have never received it. I have contacted Mohela multiple times, and each time I was told the refund was already issued or on the way, but no payment has ever been sent to me. I have not received a check, direct deposit, or any confirmation of the refund actually being completed. 

I have attempted to resolve this directly with Mohela by phone and through my online account, but I can not get clear information, and Mohela has not followed through on the refund they claimed was processed. I also can not get consistent or timely responses from customer service. 

I am requesting that Mohela immediately investigate the missing refund, provide documentation of when it was supposedly issued, and complete the refund as originally promised. The Mohela website states that a refund was issued on XX/XX/year> in the amount of {$240.00}. When I call them, I am on hold for an abnormal amount of time and I get the run around. The US Department of Education and the Department of Treasury have both been contacted and NEITHER have any indication that I am owed a refund. I am asking that this be refunded to me, immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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