vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a large payment on XX/XX/XXXX for just over {$7600.00} from the same XXXX XXXX XXXX  account I always do. I needed to free up space on the card to make a mortgage payment and lower my balance. I had just been laid off and used my final check to make the payment. They put a hold on the account because the amount was larger than usual and I missed my mortgage payment, endangering the payment arrangement I have with them which could result in foreclosure of my home. After checking that the money had cleared my bank, I called on XX/XX/XXXX to find out what happened, and the lady I spoke with told me it would take XXXX business days to process. After I let her know I needed it faster than that for my mortgage she submitted a form which should have shortened the time to XXXX business days. On Friday XX/XX/XXXX I called and was told it should be done by eod. On Saturday I called and was told it would be done by eod again, or maybe Monday. On Sunday I called and was told it would be Monday. Now its Monday XX/XX/XXXX and its still not processed. XXXX being told now that the form submitted on Wed was never approved and thus I have to wait until Wednesday XX/XX/XXXX now to see the funds available. 
Ive been trying XXXX XXXX uber to make some money since getting laid off and this car hold has not only endangered my home/forclosure, but also lost me wages over the past week as I am unable to rent a car to do uber since my CC is on hold, even though the money cleared my bank along time ago. XXXX trying to buy a car to do uber but was unable to today because I had to use the cash set aside for that to cover the mortgage from last week which I had paid the {$7600.00} to XXXX XXXX XXXX XXXX to pay with the card. Now I nearly lost my home, lost close to XXXX XXXX in wages from XXXX, and now potentially even more since XXXX cant access the cash to pay for the car today. 
XXXX being told there is nothing else they can do. XXXX and her XXXX level support today told me that The department that handles the holds apparently cant be contacted- all they can do is submit forms and wait. But each waiting day endangers more and more of my livelihood- and all because I paid more than usual from the bank account I always pay from?? The stress, XXXX, and fear from this has effected my mental and physical health negatively. This is absolutely unacceptable.

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 2025-09-22 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.c

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 2025-09-22 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Please see attached XXXX regarding a call I received on XX/XX/scrub>XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXXXXXX department. Despite my pending Regulation E dispute and multiple open CFPB complaints, the Bank attempted to collect on the negative balance as though it were a collections matter. This call also included an inappropriate request for my place of employment. The addendum provides a full summary of the call, demonstrating that BOK is improperly handling an open dispute as a collections issue while bypassing the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-22 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: GA

Complaint narrative:
I am writing to formally dispute a collection you claim is owed to XXXX in the amount of {$5700.00}. 

I did not personally guarantee this account. 

This was a business account under XXXX XXXX, a XXXX XXXX XXXX ( XXXX ), which has since been legally dissolved and is no longer operational. I have attached the official dissolution notice from the XXXX XXXXXXXX of XXXX for your records. 

As an XXXX, I am not personally responsible for the companys debts. 

No account number or specific identifying information has been provided, making this alleged debt unverifiable. 

I spoke with XXXX XXXX in XX/XX/year> and informed them that the name on the account is incorrect and that the account belonged to XXXX XXXX, a dissolved company that is no longer operational. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Because this alleged debt is inaccurate and unverified, I demand that you : Cease all collection reporting immediately. 

Remove this account and the {$5700.00} debt from my credit report immediately. 

Provide written confirmation of removal within 10 business days.

Failure to comply will be considered a violation of federal law and may result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. 

I expect written confirmation that this account and debt have been removed from my credit report immediately.

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 2025-09-22 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: MN

Complaint narrative:
Company : MOHELA- Official Servicer of Federal Student Aid I am writing to express my serious concerns about ongoing issues with MOHELA , specifically their auto pay setup in 2025. Despite having no problems for five+ years, I have repeatedly experienced failures with their system.

Several times, I have set up auto pay, only to discover months later that no payments were made. After re-enabling auto pay, I again found that payments were not processed, leaving my account past due. I went 90 days without formal notification, receiving only generic past-due emails. As a result, my credit score has dropped XXXX points, which has already caused financial harm, including an increased auto loan interest rate. 

I am now in the process of buying a home, and this situation will further affect my ability to secure favorable financing. 

It is unacceptable to experience such issues after years of reliable service. I respectfully request an immediate review of my account, correction of any reporting errors to the credit bureaus, and confirmation that my auto pay is properly configured moving forward. 

Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
CFPB Complaint Comment Capital One ( Account ending in XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX I am submitting this complaint because Capital One has repeatedly failed to comply with 15 U.S.C. 1666b of the Truth in Lending Act ( TILA ) regarding proper notice of billing statements prior to assessing late payments.

According to Capital Ones own response to my previous complaint, they claim that my account has been enrolled in paperless billing since XX/XX/XXXX. However, enrollment in paperless billing does not exempt a creditor from its statutory duty under TILA. Regardless of whether statements are delivered by mail or electronically, the creditor must provide the consumer with access to a billing statement or due date notice at least 21 days before the payment due date. 

Capital One asserts that payments were not received for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX, and they are reporting those months as late to the credit reporting agencies. Yet, they have admitted that they can not provide documentary proof of any billing statements or notices for those months that were delivered or made accessible 21 days in advance, as the law requires. Instead, they rely on the vague claim of paperless billing without any verifiable evidence of actual delivery or timely notification. 

By failing to produce records proving compliance with 1666b, Capital One is effectively acknowledging that these late payment notations are unsupported and unlawful. Reporting such derogatory information to the credit bureaus without proper validation not only violates TILA 1666b, but also constitutes inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to ensure maximum possible accuracy when reporting consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: ID

Complaint narrative:
I was sent to collection for medical bills when I was under the age of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am filing this complaint due to what I believe are ongoing violations of federal mortgage servicing laws, particularly related to dual tracking and improper handling of my loss mitigation application by Select Portfolio Servicing , Inc. ( SPS ).

Despite submitting multiple complete loss mitigation applications, SPS has repeatedly acknowledged them as complete, only to reverse course days later and claim " Missing Information '' thus stalling review, extending the foreclosure timeline, and creating a loophole to continue foreclosure proceedings. 

This is a clear violation of Regulation XXXX  ( RESPA ) under 12 C.F.R. 1024.41, which prohibits a mortgage servicer from moving forward with a foreclosure sale while a complete loss mitigation application is under review. 

Key Timeline ( XX/XX/XXXX XX/XX/XXXX ) : SPS has followed the same pattern dozens of times since XX/XX/XXXX, using the following document sequence : " Complete Assistance Package Notice '' followed within days by " Missing Information Letter '' Here are just a few examples : XXXXXX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXXXXXX  Missing Information Letter XX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXX Missing Information Letter XX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXX Missing Information Letter XX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXXXXXX  Missing Information Letter This has happened over 10 times, and SPS has failed to provide any clear justification for each new document request, especially when the application was just marked " complete. '' Dual Tracking Violation : On XX/XX/XXXXXXXX XXXX XXXX I received written notice that SPS has scheduled a foreclosure sale for XX/XX/XXXX, even though I had submitted all required documentation ( including an updated Profit & Loss statement they requested on XX/XX/XXXX ) and was awaiting review. 

This timeline again suggests dual tracking, because my application was either : Under active review, in which case the sale should not be scheduled ; or Wrongly reclassified as incomplete, with no reasonable justification, despite repeated complete notices. 

In either case, this undermines the protections afforded to borrowers under federal law. 

Additional Facts : I have submitted spousal contribution documentation, which has not been adequately considered. 

Ive reached out to SPS multiple times requesting written confirmation that no foreclosure will proceed during review they have failed to provide this. 

Ive also attempted to escalate internally and to the foreclosure law firm, but no action has been taken to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a {$700.00} XXXX account that does not belong to me. This account was already investigated and resolved through XXXX, and it was properly deleted from my credit report. However, TransUnion and XXXX  have not thoroughly investigated this matter, and the account remains on my reports. I have provided the necessary information and documentation, and the lack of transparency along with the denial of a proper investigation is unacceptable. I am formally requesting that TransUnion and XXXX  remove this inaccurate account from my credit file immediately.

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 2025-09-22 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 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 2025-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
opened account XX/XX/year>, funds became available XXXX of XXXX XXXX initial to transfers. 
XXXX in amount XXXX to personal XXXX  XXXX  account. XXXX in amount of XXXX via XXXX  online. account was restricted. spoke with banking institutions fraud department. account was unrestricted for all of XXXX minutes before restricted again attempting to update mailing address. 
Bank claims to mail verification letter to address on file, but have not received after multiple attempts. 
XXXX XXXX says they are not to use any of my verified phone numbers on file because they are not part of public records. and that I must continue to wait for verification letter by mail which I have not received after XXXX remailing attempts.

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