vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - U.S. Bankruptcy XXXX - XX/XX/XXXX Public Record - U.S. Bankruptcy XXXX - XX/XX/XXXX Public Record - U.S. Bankruptcy XXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-16 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:
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 2025-10-16 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX. MOHELA responded XX/XX/XXXX and said they were going to look into this and need more information. I have not heard ANYTHING since. However, I was able to get a hold of someone in XXXX and finally was placed on a qualifying forbearance for XX/XX/XXXX and XX/XX/XXXX and was instructed to call back so I can be placed on that same forbearance for XXXX and XXXX to reach my XXXX qualifying payments. I have been calling MOHELA since XX/XX/XXXX and NO ONE will answer the phone or assist with this issue. I have reached out to XXXX XXXX XXXX for any kind of assistance as well and there is no one who will get this figured out. I submitted a complaint on the XXXX website as well as messaged MOHELA regarding this issue.

Company response to consumer: In progress
Consumer complaint received 2025-10-16 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:
THIS ACCOUNT IS FRAUDULENT AND DOES NOT BELONG TO ME.

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 2025-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
Our mortgage with Village Capital & Investment LLC originated in XX/XX/XXXX. Since that time, Village Capital failed to complete the required annual escrow analyses for both XXXX and XXXX, as required under the Real Estate Settlement Procedures Act ( RESPA ). 

Because those escrow analyses were never performed, Village Capital continued collecting an insufficient monthly escrow amount of {$180.00}, which was not enough to cover our actual tax and insurance obligations. The company did not notify us of any escrow shortage or payment adjustment during this period. 

In XX/XX/XXXX, we discovered a negative escrow balance of approximately {$27000.00}. We contacted Village Capital multiple times between XXXX and XX/XX/XXXX seeking clarification and correction. 

On XX/XX/XXXX, we sent a formal written complaint to Village Capital requesting : Copies of the missing escrow analyses ; An explanation for the failure to complete them ; and A plan to correct our account and prevent future issues. 

On XX/XX/XXXX, Village Capital responded in writing and admitted that escrow analyses were not completed for XXXX or XXXX due to an internal system error. The company apologized for the oversight but stated that the total shortage was {$27000.00}, offering only to spread the shortage over 12 or 36 months.

No restitution, credit, or goodwill adjustment was provided, and no assurance was given that system controls had been fixed. As a result, our monthly mortgage payment increased by more than {$2000.00}, creating significant financial strain.

We believe this constitutes a servicing violation under RESPA for failure to perform annual escrow analyses, failure to provide required escrow statements, and failure to notify the borrower of payment changes in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XX/XX/year>, a man called me identifying himself as XXXX XXXX, and administrator for the Louisiana Probation and Parole dept and an advocate for my son, that is incarcerated. He asked if I could put up the deposit on my son 's ankle monitor so he could be transferred to the XXXX XXXX XXXX in XXXX LA. I readily agreed as I wanted to get my son into the drug rehab program as he had made a call to me from prison in XX/XX/year> to let me know he was up for transfer to the program the end of XXXX Everything this man said seemed to be legitimate. He requested that I go get a cash card from XXXX XXXX. IMPOSSIBLE as I am totally XXXX. NO problem, he SET up my cash app account for me, only my right hand trembles and I misspelled my name None of the funds could be transferred from my bank XXXX as my name was mispelled. Next day the issue was resolved and my account set up and on XXXX and XXXX XXXX over many hours multiple transfers of approx {$500.00} was made to the man that identified as XXXX XXXX and even had his cash app email address as XXXX and the funds were sent to XXXX XXXX which he he said was the unit for my son to be transferred. This scammer spent 2 whole days of my life talking me into making either 21 or 22 transferrs to reach the total he said was required. When Monday came I found my son still in jail and I called Cash App. I was told to file for beign scammed and I did on the {$50.00} transaction on XXXX at XXXX It was deemed to be a scam and the money returned which I can not even access as my account was closed due to being compromised as the scammer set up my account. Thanfullly I changed my pass code as he even sat that up for me and when I had questioned his validity, he then called my home land line number with the caller ID showing XXXX XXXX which checked out. I filed on the other transactions to this XXXX XXXXXXXX cash app ID person claiming to be law enforcement, but all other scam reports, all to the same scammer were denied. IF one was a scam, all were scams. I filed a police report case XXXX XXXXXXXX with the XXXX XXXX XXXX XXXX XXXX XXXX TX and an IC3 FBI report and notified the XXXX XXXX XXXX Dept as well as that is where my son in currently incarcerated at. I can not understand if one transaction was to a fraud account/scammer, why wasn't they all deemed fraud. I have called Cash App support many times and one indigant lady said I have just lost the funds as the scammer has already spent them. VERY poor reply. Why can't they find the scammer and recover the funds? I had to submint my driver license, photo, etc. The scammer had the answer to every question needed to validate he was law enforcement and is extremely good at this. My cash app account is under the id XXXX XXXXXXXX and my zip code is XXXX for finding my cash app account in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: SC

Complaint narrative:
I attended The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was later found guilty of fraud by the U.S. Department of Education . During my time there, school representatives falsely informed me that I was not eligible for federal financial aid, which led me to take out private student loans through XXXX ( or its predecessor ). I have since learned that this statement was false I was eligible for federal funding meaning these private loans were obtained under false pretenses and should be considered fraudulent. 
My federal student loans that I did have, have already been forgiven under the Borrower Defense to Repayment program due to The Art Institutes misconduct. However, XXXX ( and possibly related collectors ) has continued to contact me about these private loans, even though they were the result of fraud and misrepresentation.

Recently, I have begun receiving harassment calls, and the company has also started contacting my close and distant family members and relatives about these loans. This is extremely distressing and appears to violate fair debt collection laws.

I have tried repeatedly to contact MOHELA to confirm the status of my accounts, but my calls either do not go through or I am told they have no record of my information. I have also reached out to multiple student loan attorneys for help but have not yet been able to find representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Date : XX/XX/year> I've mail several certified letters to this address : Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX ) - Progressive Insurance - {$84.00} ( Collection ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank Business Checking account in XX/XX/year> under the {$400.00} new account bonus offer. 
I funded the account with {$5000.00} within the required period and maintained that balance for the entire 60-day period.

However, one check deposit from another bank was returned temporarily, which briefly reduced the balance below {$5000.00}.

I replaced the check within 30 days and maintained the required balance afterward.

Despite fulfilling the intent and maintaining the balance for the majority of the required time, the bonus was denied due to a system flag from that temporary return.

I have contacted U.S. Bank customer service multiple times and was informed I was ineligible, but no manual review was offered.

I am requesting CFPB assistance in having U.S. Bank honor the {$400.00} bonus as I met the promotions intent and acted in good faith.

Company name : U.S. Bank Account type : Business Checking Date opened : XX/XX/year> Bonus offer code : 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 monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
So today, XX/XX/XXXX, I checked my PNC today to see that I have XXXX dollars in my checking and XXXX dollars in my savings. I started the week off with {$150.00} in my checking and XXXX in my savings. Transactions I made last week posted it two days ago. So transactions I made like swiped my card on the ninth or on the XXXX posted on XX/XX/XXXX. They XXXX  out my account and held onto two transactions and did not post them. But heres the thing that confuses me when I swipe my card. My money goes like when Im looking at the app. The money is gone after I swipe my card and its in a pending category. But for some reason when it post, it takes another some of my money out so Im getting like almost double charged with some transactions and I just wan na know is an employee messing with my funds and I really believe that there is and I think that there should be a thorough investigation not done by PNC but done by you all with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I am formally disputing the following account in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) due to inaccurate and unverifiable reporting on my credit file. 




Account Details ( REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT NOW ) This account must be PERMANENTLY DELETED from my credit report under FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), 623 ( b ), 607 ( b ), and 609 ( a ) ( 1 ). No corrections, no modifications deletion is the only lawful outcome.

The information reported is incomplete, unverifiable, and legally noncompliant therefore, it can not remain under federal law. This tradeline : Displays inconsistencies across credit bureaus Has no validated contract or itemized documentation on file Has failed prior reinvestigations that relied on automated e-OSCAR code-only processes Violates the completeness and accuracy standard under FCRA 607 ( b ) I am aware of the CFPBs XXXX  federal enforcement against Experian for engaging in sham investigations and knowingly misusing e-OSCAR automation to avoid forwarding consumer documents, resulting in inaccurate verification outcomes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sent 2000 from a friend he paid me for some computer part that I had. First PayPal held my money for 10 days witout proving reason why they held after thr held period they jus went a head and limited my account stating I violated some rules and laws if theirs. I've tried multiple times asking for thr reason why I was limited and each time thye nevwe gave me a reason why all they said was it'll be 120 days before I can get any of my money. I feel like that's really unfair to us consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain.

This lack of action is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has resulted in ongoing emotional and financial distress.

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