vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America cant seem to seperate Personal Checking from Business Checking accounts. On my personsal checking account I am able to transfer money into my Business credit card, but I cant seem to do this with my Business checking account and I am told to open a new account to do this? I have gone into the branch many times and have called over the phone to get this correct and everytime I am told they will fix and it has not been fixed since I opened the new Business checking acccount over 2 months ago

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 2025-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
What happened ( XXXX XXXX discharge not implemented ) : XX/XX/XXXX : The XXXX Department of Education ( XXXX ) notified me that my federal loans related to The Art Institutes qualify for full discharge under XXXX XXXX. 
XX/XX/XXXX : XXXX issued a second letter confirming the prior decision : the loans are unenforceable, must be fully XXXX, refunds of prior payments are due, and credit reporting should be corrected. XXXX case XXXX XXXXXXXX. 
After XX/XX/XXXX : My servicer MOHELA did not update my account to XXXX, did not issue a refund, and provided no timeline. My online account began showing an unusual long-term deferment until XX/XX/XXXX, with no monthly bill due, instead of a discharge status. 
XX/XX/XXXX : I sent MOHELA a formal written request asking for ( XXXX ) the discharge posting date, ( XXXX ) refund amount and payment timeline, and ( XXXX ) confirmation of credit report corrections. 
XX/XX/XXXX : MOHELA sent a form letter saying my request is in process and may take up to XXXX business days for approval/denial, treating EDs final determination as if it were still under review. 
Current status ( today ) : Account still not marked XXXX ; no refund issued ; no credit update. I previously made payments on these loans and am owed a refund of all payments made to XXXX on the affected loans ( exact amounts are available in XXXX records ; I can provide my payment history upon request ).

Company response to consumer: Untimely response
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> my husband send me {$4000.00} through Cashapp. On that same day, I requested a transfer of {$4000.00} from my Cashapp account to my XXXX XXXX checking account. The funds should have reached my account on XX/XX/XXXX but when I logged onto my XXXX account, the funds were not there. I then logged on to my Cashapp account and there was a message that my withdrawal failed. I contacted Cashapp both my phone and online, asking that the funds be transferred immediately to my account without a service fee but they would not do that. They told me they couldn't transfer the funds because of a Cashapp " security precaution ''. I asked what the security precaution was and they couldn't tell me. 

Instead, I had to request the funds be transferred again, and they will not be deposited into my account until XX/XX/XXXX. Cashapp seems to be sitting on my money, earning interest and not releasing the funds for transfer. This is very distressing since I relied on that money to pay my mortgage due XX/XX/XXXX. As of today, I still have not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am filing a complaint because my creditor, EdFinancial, is inaccurately reporting late payments on my student loan accounts. These late payment notations are incorrect and have not been properly verified. 

I previously disputed these items with the credit bureaus. However, the late payments remain on my reports without proper documentation or evidence of accuracy. 

Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to provide only accurate information to credit reporting agencies. Additionally, under 15 U.S.C. 1681i, credit bureaus must conduct a reasonable investigation of disputed information within 30 days.

Neither EdFinancial nor the credit bureaus have provided sufficient evidence to support this negative reporting. I am therefore requesting the immediate removal of the inaccurate late payment information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
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 explanation
Consumer complaint received 2025-08-30 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 do not recognize or own these accounts and suspect fraudulent activity. Please remove them from my record and conduct a full investigation. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-29 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  holds a mortgage for a piece of property I own. My primary complaint is that they are a mortgage lender that refuses to send out regular statements showing updated balances. I received a call on XXXX XXXX, 2025, stating that my loan was overdue because their ACH system is no longer working. They asked me to immediately send in a double payment as I was already 30 days past due. Concerned, I asked if this would be reflected on my credit report, and she assured me that it wouldn't, as this was their internal issue. I mailed out a double payment immediately, and they received it on the XXXX of XXXX. 

The rep also explained to me that it is my responsibility to keep track of my debt, as they do not send out monthly statements. My understanding is that this goes against Federal Laws for lenders. My questions to the representative were how I would know this was even late if they do not send statements. She had no answers, but told me they send out a statement at year 's end for taxes. This seems to be a violation of my rights, along with seriously hurting my perfect credit report. They did send a XXXX late to my credit bureau XXXX and now refuse to remove it and refuse to send monthly statements to be able to verify the accuracy of the loan itself. This is the second time I have requested getting statements for a loan over XXXX XXXX XXXX. Another issue I asked multiple times why my name did not reflect on the property tax roll two years later ; they finally updated it with the County. No one responds to calls or emails.

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 2025-08-29 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing this complaint against First Federal Credit Control for continuing to report a highly questionable and unverified medical debt account to the credit bureaus. This is outrageous. The account in question ( Acct # XXXX, Balance : {$1100.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX ) is being reported to XXXX XXXX XXXX XXXX  without any meaningful validation, proof of assignment, or documentation that I lawfully owe this debt. 
To be clear : I have not received a single shred of physical documentation from First Federal Credit Control, despite disputing the accuracy of this account under the Fair Credit Reporting Act ( FCRA ). Their failure to provide any wet-ink signature agreement, assignment contract, or itemization of charges violates my consumer rights under both FCRA and Metro 2 compliance. 
Their response to my initial dispute was to simply mark the account as disputed while continuing to report it. That is not verification. That is evasion. It is outrageous, reckless, and illegal to report a debt without physical validation. 
This account is allegedly medical in nature. As of 2023, the XXXX XXXX XXXX that medical collections under {$500.00} must not appear on credit reports at all paid or unpaid. This debt is not only unverifiable, it is unlawful to report under current medical debt reform policies. It is harmful to my credit profile and is preventing me from accessing fair financial opportunities. 
LEGAL VIOLATIONS : - 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy. - 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation. - 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) : Obligation to delete unverifiable data. - 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a description of the procedure used to verify. - FCRA 611 : Right to dispute and correct consumer report data. - HIPAA Privacy Rule : Medical accounts require signed authorization and protection of sensitive information. 
REQUESTED RESOLUTION : I am demanding the immediate deletion of this unverifiable and unlawful medical debt from all three credit bureaus. I further request that the CFPB take enforcement action against First Federal Credit Control for violating FCRA and failing to comply with federal medical debt reporting reforms. 
To summarize : this is an outrageous failure of compliance, and I will pursue legal action under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), 1681e ( b ), and 1681i ( a ) ( 7 ) if this item is not fully deleted. Again, this is outrageous. I never received any signed contract or proper verification, and the continued reporting of this debt is reckless and unlawful under 15 U.S.C. 1681i ( a ) ( 7

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
These accounts are not mine and appear to have been created fraudulently. I request their immediate removal and a detailed investigation. Relevant evidence has been attached.

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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-30 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: WI

Complaint narrative:
Creditors, Collections, And Fraudulent Inquires XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX XXXX : XXXX Please remove it 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>2025 Capital One reported the incorrect balance on my credit card. I believe the issue can be resolved by simply updating the current balance

Company response to consumer: Closed with explanation