vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was able to open a XXXX  account without uploading any identification & once I had funded the account it was locked & I was made to upload documents & they wouldnt accept my XXXX passport as identification even tho I let them know is the only identification I have & what I use to open traditional bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

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. 


XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Albert Corporation
State: NJ

Complaint narrative:
I am submitting this complaint regarding unauthorized and recurring charges by Albert ( Albert Genius ) after I closed my account. 

I closed my Albert account in XXXX. Despite closing the account, I was charged {$19.00} on XX/XX/XXXX, which I reported at that time. I believed the issue was resolved and that my account was fully closed. 

However, I was charged again yesterday for {$19.00}, completely out of nowhere. I do not understand how this charge was processed, as I no longer have any bank accounts linked to Albert. I logged back into the Albert website to verify this, and there are no linked bank accounts on file.

This is not the first time Albert has made it difficult to close my account. When I attempted to close the account previously, there was a remaining balance of {$1.00}. I explicitly told Albert to forfeit the {$1.00} and close the account, yet instead they mailed me a paper check for {$1.00}, which further confirms that the account should have been closed at that time. 

Despite this, Albert continues to charge me for Albert Genius without my authorization. These charges are occurring after account closure, without active consent, and without any linked payment method visible on my account. 

I am extremely frustrated and concerned by these repeated unauthorized charges and Alberts apparent inability or unwillingness to fully close accounts and stop billing consumers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-12-22 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-12-22 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I have federal student loans serviced by MOHELA. I was previously enrolled in an income-driven repayment plan. After recent changes affecting the SAVE plan, MOHELA placed my loans into standard repayment with a required monthly payment of {$1000.00}. 

My annual income is approximately {$40000.00}. I work full-time as an XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. The standard repayment amount is unaffordable. 

I have made multiple good-faith efforts to enroll in income-driven repayment. On XX/XX/XXXX, I applied for an Income-Driven Repayment plan, specifically the Pay As You Earn ( PAYE ) plan. That application remains listed as in review and has not been processed. 

In addition, while I was still enrolled in school, I submitted prior Income-Driven Repayment applications on XX/XX/XXXX and XX/XX/XXXX, in anticipation of upcoming changes to federal student loan repayment programs. Both applications had been closed, but the payments were still too high ( but now technically lower than what is being offered in my standard plan ). Hence, I applied for the PAYE plan in XXXX once I had a clearer idea of my income. 

I recently attempted to submit a new IDR application through XXXX ; however, the website is currently not allowing IDR applications to be submitted. I have also made multiple attempts to contact MOHELA by phone, but have been unable to reach a representative. 

On XX/XX/XXXX, I sent a written message through my MOHELA account requesting administrative or processing forbearance due to financial hardship while income-driven repayment options remain unavailable. As of today, I have not received confirmation that forbearance has been applied, and my account continues to show an unaffordable payment due on XX/XX/XXXX. 

I am requesting that MOHELA place my account into administrative forbearance, process my pending and prior income-driven repayment applications, and ensure that my account is protected from delinquency, default, or negative credit reporting due to circumstances outside my control.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I saw 3 charges in my in my checking account that didnt recognize this transaction and the ill file dispute then they investigate after 3 days they denied dispute its hard for me didnt get my money i hope you help me i will attach 3 charges they charges my checking accout and also the next they they try charge but declined because ill move all mg money on my saving account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-22 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: FL

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$1800.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$1000.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$3900.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$7200.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$1000.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$1400.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$2300.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$3800.00} DEPT OF ED/XXXX  # XXXX XX/XX/XXXX -- {$6600.00} XXXX # XXXX XX/XX/XXXX -- {$130.00}

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 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
To Whom It May Concern, This message serves as formal notice of an escrow servicing error under RESPA and Regulation XXXX  related to my homeowners insurance disbursement. 
Timeline of Events XX/XX/XXXX : XXXX XXXX XXXX sent an incorrect insurance premium amount of {$1900.00} to PennyMac due to an incorrect mortgage insurance number being referenced. 
XXXX days later, XXXX XXXX sent the correct premium amount of {$1100.00} to PennyMac. 
XX/XX/XXXX : PennyMac prematurely disbursed {$1900.00} from my escrow account, despite the incorrect amount already being identified and corrected by the insurer. 

Conflicting Statements Received on XX/XX/year> XXXX at XXXX XXXX confirmed PennyMac withdrew the funds too early and stated that XXXX XXXX has not received any refund payment. 
XXXX at PennyMac stated the funds were wired on XX/XX/XXXX. 
I was then transferred to XXXX in the insurance department at PennyMac, who stated the funds were actually sent via bulk paper check on XX/XX/XXXX, that the check can not be canceled, and that she does not know when the refund will be received. 
All of these were on recorded lines where if needed I would like to have to prove all the conflicting stories from employees of the same company. 

Resulting Harm My escrow account now reflects an artificial shortage equal to the difference between the incorrect premium paid and the correct premium owed, caused solely by this error. 
PennyMac has applied an additional {$71.00} per month escrow increase to my mortgage payment. 
I was not notified of this escrow overdraft or payment adjustment and discovered it myself. 
I have spent over XXXX hours on the phone between PennyMac and XXXX XXXX, with each party blaming the other and no resolution or refund timeline provided. 

Compliance Concerns Escrow funds may only be disbursed for valid, final, and correctly billed charges. The premature payment of an incorrect amount, followed by delayed or uncertain correction, constitutes an escrow servicing error. I can not be financially penalized for this mistake. 

Requested Resolution I am formally requesting the following actions : Immediate re-credit of the escrow account for the incorrect amount pending refund Removal or suspension of the {$71.00} monthly escrow increase related to this error A corrected escrow analysis reflecting the proper insurance premium Written confirmation of how and when the refund will be applied A written explanation of how this error occurred and why no notice was provided Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: MD

Complaint narrative:
This complaint concerns TransUnion LLCs systemic violations of the FCRA, including inaccurate reporting, failure to conduct reasonable reinvestigations, unauthorized reinsertion of deleted tradelines, and continued reporting of accounts that other consumer reporting agencies have removed. 
Since XX/XX/XXXX, I have submitted over XXXX ( XXXX ) disputes, including CFPB complaints and an FTC Identity Theft Affidavit. 
Following receipt of my XX/XX/XXXX XXXX & XXXX notice, TransUnion removed several disputed tradelines, thereby acknowledging that the information was inaccurate or unverifiable. 
Despite this acknowledgment, TransUnion continues to report XXXX, XXXX XXXX, and XXXX XXXX  XXXX ( XXXX XXXX ) accounts that contain unresolved inaccuracies and that have been removed by at least one other consumer reporting agency. 
Additionally, TransUnion has reinserted previously deleted tradelines without providing the statutorily required reinsertion notice, certification of accuracy, or disclosure of documentation reviewed. 
XXXX conduct violates : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) unlawful reinsertion without notice 15 U.S.C. 1681c-2 ( 605B ) failure to block unverifiable information 15 U.S.C. 1681s-2 ( b ) continued furnishing of inaccurate data The continued failures of this consumer reporting agency to uphold their singular duty demonstrate systemic noncompliance warranting regulatory intervention. I have made extensive good-faith efforts to resolve these matters repeatedly for two plus years and dozens of disputes, it is outrageous that this matter has not been corrected, I have spent several hundred dollars in printing and mailing extensive reports, only for them to completely disregard clear evidence and respond with a systemically generated response completely ignoring all of my concerns. This is causing severe harm to my reputation and continued emotional and financial distress. I have attached the letters I sent since filing the FTC affidavit ( Report XXXX ) on XX/XX/XXXX, also I have attached their systemically generated response letters and my credit reports from XX/XX/XXXX to now. Note how drastically different these reports have been in just a three month period, it is honestly embarrassing to call it an investigation.

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 2025-12-22 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: CA

Complaint narrative:
I twice disputed the item there was no method of Verification under FCRA 611.

second time I also demand the exact verification source they Closed dispute without providing Method of Verification under FCRA 611

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My phone was stolen at a nightclub, and I immediately lost control of the device. 

After the theft, unknown third parties gained unauthorized access to my online banking account and initiated two XXXX transfers without my knowledge or consent. I did not authorize, approve, or benefit from these transactions. 

The unauthorized XXXX transfers were : {$900.00} sent to XXXX XXXX ( phone number XXXX ) {$430.00} sent to XXXX XXXX ( phone number XXXX ) I contacted Bank of America immediately after discovering the theft and the unauthorized activity. I filed a police report and provided it to the bank. Despite this, Bank of America denied my fraud claim, stating that the transactions were made from a previously authorized device. 

I dispute this decision. Once my phone was stolen, I no longer had control over the device, and any transactions initiated afterward were unauthorized. The use of a previously authorized device does not constitute authorization under Regulation E.

I am requesting that Bank of America properly reinvestigate this case as an unauthorized electronic funds transfer under Regulation E and reimburse the stolen funds.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the late payment from my account and update the record to show correct, positive payment history.

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 2025-12-22 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: AZ

Complaint narrative:
On XX/XX/XXXX I was finally able to access my cash app account after having both my phone and wallet stolen on XXXX 2025 I retrieved my phone on XXXX, XXXX 2025 and was able to login finally about a week later. I was shocked when I saw all the charges off of my cash app that were made. I did not authorize any between XXXX and XXXX of 2025. I never got my cash app card back but I was able to reorder XXXX. Also I have some began disputing all charges made between those XXXX dates and have been denied on multiple already and all that I am disputing I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX and XXXX. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that XXXX a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I cant enroll my phone number into XXXX with ending in XXXX with bank called Santander it say this this phone number cant be used to enroll with XXXX and I just got this phone number last week sometime so I know it cant be blocked or restricted or suspended and token for it on XXXX cant be revoked or suspended or blocked if it is blocked or suspended or revoked please unsuspended it or unblock it or unrestricted or unrevoke the token on it or do all of them I say with XXXX if yall cant do that tell me what bank is it linked too so I can link it to my bank account etc and my account number is XXXX or please fix it for me to link it to my XXXX profile account or automatically link it for me on my account etc.

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