vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
WesBanco purchased my mortgage company XXXXXXXX XXXX XXXX few months ago. I bank with XXXX XXXX XXXX XXXX and use bill pay online. Up until the recent change to WesBanco my payments were processed electronically. 

Now for the second month in a row the payments are mailed by check, i.e. this month on XXXX from XXXX XXXX in XXXX, VA to the address on file for WesBanco in XXXX, NJ. 
Last month I called and had stop payment made on check and made payment on phone only for the stop payment to be processed resulting in more wait times on phone to get reversed. 

XXXX XXXX states that either WesBanco is not set up for electronic receipt OR they are not large enough to be added. 

Why is a bank allowed to take over another without providing the same services, ie electronic payments? The wait times for WesBanco to answer their XXXXXXXX XXXX are sometimes up to XXXX hr XXXX mins. WesBanco 's answer is to open checking account with them. 

As of this morning I have filled out an External ACH form to be processed on WesBanco end and attached/returned it to the email it was sent to me on. 

I have repeatedly asked if/when WesBanco will provide electronic bill pay. Why would I want to open accounts with WesBanco to pay just my mortgage?

Yesterday I went into a local branch asking if I could establish an automatic draft and the same response was given ; open an account with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-15 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: TN

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-15 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: FL

Complaint narrative:
Issue : Incorrect information on my credit report Company : XXXX XXXX ( Collection Agency ) Servicing for : XXXX at XXXX Apartments Account Number : XXXX Filed Against : XXXX XXXX and the relevant credit bureau ( s ) : TransUnion, Equifax Complaint Summary : I am filing this complaint because a collection account from XXXX XXXX, relating to an alleged debt from XXXX at XXXX XXXX, is being inaccurately reported on my credit report. The account appears on TransUnion and Equifax as a collection with a balance of {$7200.00}, with no supporting documentation, no payment history, and no date of last activity. 

I formally disputed this item through the credit bureaus under the Fair Credit Reporting Act ( FCRA 611 ). The account is currently listed as Consumer Disputes Reinvestigation in Progress, yet I have not received any verification of the debt from the collector or the credit bureaus.

Under the Fair Debt Collection Practices Act ( FDCPA 809 ), I requested validation of this debt, including : A signed lease agreement or contract An itemized statement showing how the {$7200.00} was calculated Proof that XXXX XXXX is authorized to collect this debt As of today, I have received no such documents. The amount appears to be inflated, and there is no record of any attempt to notify me before reporting to the credit bureaus, which may also violate FCRA 623 ( a ) ( 5 ) regarding accurate furnishing of information. 

This is causing substantial harm to my credit profile and ability to secure housing or credit. 

Desired Resolution : Immediately delete the unverified and inaccurate collection from my credit reports ( TransUnion and Equifax ) Provide full validation documentation for this alleged debt ( signed lease, breakdown of charges, etc. ) Ensure XXXX XXXX and the credit bureaus comply with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: OH

Complaint narrative:
I financed a XXXX  XXXX XXXX through XXXX XXXX XXXX XXXX to purchase from Carvana. The vehicle was returned after Carvana acknowledged an odometer discrepancy and refunded the purchase price following pressure from the Ohio Attorney General. 

However, I paid interest on the XXXX XXXX loan during the time I held the vehicle, and that interest was never refunded. 

Carvana told the Attorney General that they honored the return and removed the trade line, implying full resolution but I can prove the refund did not include the interest I paid. 

I am requesting the CFPB investigate whether this constitutes a violation of the Truth in Lending Act ( TILA ) or deceptive financing practices, and ensure consumers like myself are fully reimbursed for loan charges tied to a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX 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

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 2025-07-15 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: MI

Complaint narrative:
I've been making payments for the last 11 years on an IBR towards my Public Loan forgiveness Program. Mohela tells me don't send in payments your are placed on forbearance which I never requested. Mohela says you shouldn't be receiving bills. Department of Education tells me your not on forbearance and everything is fine continue sending in payments. You have 14 more payments to make then your loans will be forgiven. I call Mohela back, she takes notes and tells me I need to talk with an agent. She transfers me to a voice mail specifying my wait time is one hour 25 minutes. This problem is not being resolved. Also 2 checks which I've mailed to correct address are being ignored and not processed. I'm XXXX XXXX XXXX and I'm waiting for loan forgiveness so I can retire. Please help me. I spoke with XXXX and XXXX representing Mohela and XXXX representing Dept. of Ed. The dates these phone calls were made are XX/XX/XXXX and XX/XX/year>. Documents have been saved.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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: VA

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 explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: IL

Complaint narrative:
Review / Complaint : I would like to share my experience as a caution to other first-time homebuyers. I worked with XXXX XXXX, a loan officer at this company, and unfortunately it was one of the worst experiences Ive had. 

From the beginning, communication was extremely poor. XXXX would only respond when he wanted to, often taking days to reply, even after multiple follow-ups from me and my attorney. Sometimes, he didnt reply at all. 

He initially sent us a pre-approval and pre-qualification letter. Based on these, we proceeded with making an offer on a property. Throughout the process, we signed loan documentation three separate times, each time with updates falsely stating per buyers request, which was not true. These repeated signings were due to delays on his end in getting information from the investor or bank. 

Towards the end of the process, after we had already paid for an appraisal, our loan was denied due to a debt-to-income ratio issue. This is something that should have been calculated and verified during the initial pre-approval and pre-qualification stagenot at the end, near closing. It was especially frustrating because nothing in our financial situation had changed : our income, credit scores, and accounts remained the same. 

Additionally, I explicitly instructed XXXX not to disclose details about a lien that we were already in the process of resolving and had paid off on time. Despite this, he still disclosed that information, which I believe was a serious breach of privacy. 

Due to XXXX lack of communication, I eventually had to escalate the issue to his supervisors and managers, but unfortunately, they were not much help either. 

This entire process was stressful and mishandled from start to finish. I would not recommend this company or this loan officer to anyone, especially first-time homebuyers who rely heavily on professional guidance and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I have fraudulent inquiries on my credit report that I already created a identity theft report for

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 2025-07-15 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: IL

Complaint narrative:
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
b'I sent a certified letters to Equifax  dated XXXX  via XXXX mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX. The letter was delivered to Experian in XXXX, GA on XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Equifax ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were.\n\n1. XXXX $0 account number XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CT

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 2025-07-15 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
Kindly assist me in launching an investigation into these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within a 15-day period. I have attached all necessary documentation for your examination. It is also important to note that the details reported by the credit bureaus are inconsistent and incorrect.

Company response to consumer: Closed with explanation