vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account without any warning due to suspicious activity. They did not specify which account but just closed all accounts without reason. They refused to provide any additional information. I have been with Bank of America for XXXX and have about XXXX in funds outstanding. I can not access any of these funds at all until the closure is complete as I have been told my account is in credit only status. I have attempted to escalate this case several times. The close date has been pushed out several times from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX to now XX/XX/XXXX. I need access to these funds as my mortgage payments and other bills have been rejected. I am a single mom of XXXX children going into 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 2025-11-26 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: MS

Complaint narrative:
Here is the last thing I m going to tell you in the event after this message has been recieavd by your company, the only response that I need to receive is XXXX times the amount I have paid them plus XXXX XXXX for the lies and fraud then XXXX XXXX for damages.so I am putting you on notice I will not be giving you any more information .do your do delligents and job put them in there place send me my money and title, put them out of business.look them up they have done this to thousands of people.i am not the XXXX so you till Monday to have my check ready.!!!!!!!

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is an inaccurate bankruptcy reported on my credit file. I respectfully request an investigation to correct and remove this entry within 5 business days.

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 2025-11-26 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: MD

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-26 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:
I am not associated with these accounts and ask that they be removed within 15 days per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am begging for help! I am a victim of the XXXX  XXXX XXXX of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These accounts do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake XXXX  made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within 4 Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint of the information below : 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 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 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 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 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I placed an order on XXXX and paid using PayPal. The order total was {$170.00} for two items. I only filed a claim for the item I never received, which cost {$140.00}. 

Despite providing clear evidence of non-delivery, PayPal repeatedly closed my dispute in favor of the seller, relying only on an invalid tracking number. 

Details of the Issue The seller provided a XXXX  tracking number : XXXX. 

This is not a valid XXXX  tracking number. When entered on XXXX website, it generates an error saying the number appears incorrect. 

XXXX confirmed to me by phone that their tracking numbers are usually XXXX digits and do not begin with a letter, which means this number can not be from XXXX. 

Multiple PayPal representatives also told me on the phone that the tracking number shows the same invalid error on their system. 

I also provided PayPal with screenshots of my conversations with the XXXX seller, where the seller clearly stated that they had canceled the order, so no shipment should exist. 

Despite this, PayPal continues to close the claim in the sellers favor solely because a tracking number was provided even though that tracking number is clearly fake. 

I have opened and reopened this case five times, and PayPal appears not to be reviewing any of the evidence I submitted. 

Why I Am Filing This Complaint I used PayPal specifically because they advertise buyer protection. Instead, I am being forced to pay for an item I never received, based on a tracking number that does not exist in XXXX system. 

PayPals process seems automated and dismissive of evidence, allowing sellers to provide fake tracking numbers and get away with it. 


I have acted in good faith and provided clear proof that the item was not delivered and that the tracking number was fabricated. PayPals refusal to acknowledge the evidence has left me with no other option but to seek CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Credit Control, LLC
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, FL, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] CREDIT CONTROL , LLC [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ] Re : Cease and Desist Concerning Account No. XXXX To Whom It May Concern : This letter serves as a formal Cease and Desist Demand regarding your activities connected to Account No. XXXX. 

I am requesting that you immediately cease and desist from the following actions : [ Describe the behaviore.g., unauthorized collection attempts, reporting inaccurate information, contacting me at prohibited times, contacting third parties, harassment, etc. ] Your actions are unwarranted and harmful, and they may violate applicable federal and/or state laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) or other consumer protection statutes, depending on the conduct involved.

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 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I am writing to formally dispute the additional charges that Shellpoint assessed on my mortgage payoff, specifically the late fee of {$650.00} and the additional per diem interest of {$380.00}, which appeared on the revised payoff statement dated XX/XX/XXXX. 

My closing and payoff were completed using the official payoff statement Shellpoint issued dated XX/XX/XXXX, which clearly stated that the payoff amount was valid through XX/XX/XXXX. The title company XXXX XXXX XXXX XXXX XXXX XXXX ) sent the full payoff amount according to those instructions, and Shellpoint confirmed receipt of those funds on XX/XX/XXXX, which was within the valid date range. 

Despite that, the following XXXX XXXX, XXXX issued a revised payoff statement adding a late fee and additional per diem interest. These charges are improper and must be removed for the following reasons : Shellpoint provided a written payoff quote valid through XX/XX/XXXX, and the payment was sent and received on that date. 

A borrower and title company are entitled to rely on the written payoff statement issued by the servicer. Servicers are required to honor their stated payoff terms during the validity period. 

Any additional fees or interest added after the payoff funds were already remitted and received contradicts the payoff terms Shellpoint itself provided. 

XXXX XXXX paid the unexpected shortage only to prevent further improper interest accrual. This should not shift liability to me or the title company when the discrepancy originated from Shellpoints error. 

I am requesting the following : Immediate removal of the late fee ( {$650.00} ) and additional per diem interest ( {$380.00} ). 

Reimbursement or credit for the {$1000.00} paid by XXXX XXXX, as these funds were only paid due to Shellpoints failure to honor the original payoff quote. 

Updated documentation confirming the correct payoff application and that the loan is paid in full with no outstanding balance. 

Please respond in writing within XXXX business days confirming that these charges have been reversed and that the account is fully satisfied without delinquency, derogatory reporting, or additional fees. 

Thank you for your prompt attention to this matter. I look forward to a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-26 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: CT

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint because my credit report dated XX/XX/XXXX still contains inaccurate and outdated personal information, even after a previous dispute. These errors involve multiple old or incorrect addresses that should no longer appear on my file. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must keep only accurate information ( FCRA 607 ( b ) ) and must correct or remove any disputed items that can not be verified ( FCRA 611 ). The continued reporting of these addresses suggests that my file is not being maintained properly and may even be at risk of becoming mixed with someone elses information. 

Current Address ( Should Be the Only Address Listed ) : XXXX XXXX XXXX XXXX, XXXX, OH XXXX Addresses That Should Be Removed : XXXX XXXX XXXX XXXX XXXX, OH XXXX Last reported XX/XX/XXXX Former residence XXXX XXXX XXXX XXXX, XXXX, OH XXXX Last reported XX/XX/XXXX Former residence XXXX XXXX XXXX XXXX, XXXX, OH XXXX Last reported XX/XX/XXXX Former residence XXXX XXXX XXXX XXXX, XXXX, OH XXXX Last reported XX/XX/XXXX Inaccurate. 

These addresses should not be appearing on my report because they are either obsolete or completely incorrect. 

Documents I Provided to the Credit Bureau : Drivers License and Social Security Card showing my legal name : XXXX XXXX XXXX A utility bill confirming my correct and current address Even after providing proper identification and proof of address, the bureau did not update my information correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
Did not give reporting agency permission to furnish my credit reports to the followng entities : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX Evaluation Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year>

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 2025-11-26 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: NJ

Complaint narrative:
Did not give reporting agency permission to furnish my credit reports to the followng entities : XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX Evaluation Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with explanation