vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MA

Complaint narrative:
I am reaching to you for assistance with an issue with US Bank that is non-compliant with XXXX statute and they ignored my repeated requests for XXXX benefits while I was on active duty service. Please see reference to the statute as follows : " 527. Maximum rate of interest on debts incurred before military service [ Sec. 207 ] ( a ) Interest rate limitation.

( 1 ) Limitation to 6 percent. An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember, or the servicemember and the servicemember 's spouse jointly, before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent ( A ) during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage; or ( B ) during the period of military service, in the case of any other obligation or liability.5 ( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven.

( 3 ) Prevention of acceleration of principal. The amount of any periodic payment due from a servicemember under the terms of the instrument that created an obligation or liability covered by this section shall be reduced by the amount of the interest forgiven under paragraph ( 2 ) that is allocable to the period for which such payment is made.

( b ) Implementation of limitation.

( 1 ) Written notice to creditor. In order for an obligation or liability of a servicemember to be subject to the interest rate limitation in subsection ( a ), the servicemember shall provide to the creditor written notice and a copy of the military orders calling the servicemember to military service and any orders further extending military service, not later than 180 days after the date of the servicemember 's termination or release from military service.

( 2 ) Limitation effective as of date of order to active duty. Upon receipt of written notice and a copy of orders calling a servicemember to military service, the creditor shall treat the debt in accordance with subsection ( a ), effective as of the date on which the servicemember is called to military service.

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 2025-09-14 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:
Dispute Regarding Fraudulent Accounts and Inquiries I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report due to identity theft. This correspondence is in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which allows consumers to request the blocking of information resulting from identity theft. Attached to this letter is my identity theft report, which confirms that the accounts and inquiries listed below were not authorized by me : XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX. XXXX XXXX account number XXXX opened XXXX XXXX XXXX XXXX XXXX  account number XXXX opened XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX. XXXX XXXX XXXX XXXX account number XXXX  opened XXXX. XXXX XXXX XXXX account number XXXX opened XXXX. XXXX XXXX collection account number XXXX opened XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  XXXX XXXX inquiry date XXXX. XXXX  XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX  inquiry date XXXX. XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX  inquiry date XXXX. XXXX XXXX  inquiry date XXXX. XXXX  inquiry date XXXX. XXXX  XXXX inquiry date XXXX. I request that these fraudulent accounts and inquiries be blocked and removed from my credit report within 4 days, as stipulated by the FCRA. Please send me written confirmation of your actions regarding this matter. Thank you for your prompt attention to this serious issue. If you require any additional information, please do not hesitate to contact 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 non-monetary relief
Consumer complaint received 2025-09-14 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:
I am a victim of identity theft, and I am disputing the account being reported by XXXX Bank XXXX XXXX XXXX ( Account ending XXXX XXXXXXXX ). This account is listed as opened in XX/XX/XXXX, with a balance of {$3900.00}, and is currently showing as over 120 days past due, with the first delinquency reported in XX/XX/XXXX. 
I did not open this account, authorize its use, or consent to any credit agreement with XXXX Bank XXXX XXXX XXXX. This account was fraudulently created and does not belong to me. The reporting of this account is inaccurate and is damaging my credit history and score. 
I am requesting that this account be fully investigated and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681i ). I also request that I not be held responsible for any balance, fees, or collection activity related to this fraudulent account.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Please see the enclosed attachments and also this is word for word the letter received from First Source : XXXX XXXX XXXX XXXX Ct XXXX FL XXXX XXXX Our Refence # : XXXX Creditor Account # : XXXX Creditor : XXXX XXXX, XXXX. 
Product : XXXX XXXX regarding your account Dear XXXX A XXXX XXXX We recently received a request for information regarding your credit card account with XXXX XXXX, XXXX .. We are happy to provide the information below Open date : XXXX Last Charge and date : {$19.00} on XXXX Last payment and date : {$50.00} on XXXX Balance : {$530.00} Additional account documents may be enclosed. We hope this information is helpful to you. If you have any questions or concerns, please contact us at us at XXXX. We're available Monday-Wednesday XXXX Eastern time, Thursday XXXX - XXXX Eastern Time, Friday XXXX Eastern Time XXXX This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for purpose. 
Sincerely, FirstSourceAdvantage, LLC A professional XXXX XXXX XXXX XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 604 ( Permissible Purpose ) : A company must have a permissible purpose to access or report your credit information. Debt buyers only qualify if they have a valid, enforceable assignment giving them the right to collect. 
If the assignment contract does not show a permissible purpose, then pulling or reporting your credit violates FCRA.

623 ( Duties of Furnishers ) : If a collector without a valid assignment reports the debt to bureaus, they are furnishing inaccurate information.

Thats a violation of FCRA 623 ( a ) ( 1 ) ( A ).

611 ( Dispute Investigations ) : If you dispute, the bureau must confirm the collector has a permissible purpose and valid assignment. If not, the tradeline must be deleted.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 807 ( False or Misleading Representations ) : If a debt buyer/collector tries to collect without legal assignment or authority, they are misrepresenting their right to collect.

809 ( b ) ( Validation of Debts ) : If you request validation, they must show proof of assignment and ownership. Failure to provide it, while continuing to collect/report, violates FDCPA.

808 ( Unfair Practices ) : Attempting to enforce a contract that lacks lawful transfer authority can be considered unfair and deceptive.

3. Consumer Financial Protection Act ( Dodd-Frank Act, UDAAP ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Collecting or reporting a debt without a valid assignment contract or permissible purpose confuses consumers and constitutes an abusive practice under 12 U.S.C. 5531.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America say they gave me {$92000.00} and that was a lie.. I was mentally unstable and was on social security for XXXX! My ex husband both a house for his mother at La XXXX and Murano in XXXX! He must of fraud my name and fraud Bank of America {$92000.00} in XXXX  and {$60000.00} in line of credit in my name that I did not authorize! Bank of America need to call the FBI to see who got that {$60000.00} and {$92000.00} in XXXX.. I had won a lawsuit from XXXX XXXX in XXXX  and got XXXX because I was on a lot of psychiatric drugs opioid and Xanaxs and was I had neck XXXX and was incapacitated for XXXX with XXXX benefits! Bank of America need to investigate where my ex husband got money to buy a house in his aunts name with the money they stole from Bank of America without my authorization and who withdrew money while I was XXXX and had neck XXXX and I never received {$92000.00} and {$60000.00} from Bank of America and they lying on my credit report and I want them to investigate and go find my ex husband and Sister XXXX XXXX who stole my money while I was XXXX and incompetent and I have my records to show!

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/XXXX, LVNV Funding LLC reported a debt collection account on my credit report with a balance of {$680.00} ( Account ending * XXXX ). The account shows as opened in XX/XX/XXXX, with the first delinquency listed as XX/XX/XXXX. I do not recognize this debt and have never opened an account with the original creditor tied to this entry. 
This debt buyer is reporting negative information that I believe is inaccurate and unverifiable. I have not received proper validation of this account or documentation proving that I owe the debt. The reporting of this account is damaging my credit history and score. 
I am requesting that LVNV Funding LLC provide full documentation to validate this account, including proof of ownership of the debt, a copy of the original agreement or contract, and a complete accounting of how the balance was calculated. If they can not provide this verification, I am requesting that this account be deleted from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I submitted a complete loss mitigation application to SWBC Mortgage in XX/XX/year>2025, because I have experienced financial hardship after my mortgage payment unexpectedly increased by approximately {$500.00} per month due to an escrow review. This raised my total monthly mortgage obligation to nearly {$3000.00}, which I can not afford on my current income. 

Despite providing all requested documentation and following up multiple times, SWBC delayed the review process for several months until I filed a CFPB complaint in XX/XX/year>2025. On XX/XX/scrub> 2025, I received a denial letter ( attached ) stating that : -My hardship was " resolved '' -My income was " insufficient '' for repayment assistance, and -I was ineligible for FHA XXXX modifications because the reanalyzed escrow caused the payment to be higher than the allowable target. 

These determinations are inaccurate and incomplete : 1. ) My hardship is ongoing and has no resolved. I continue to face financial difficult due to the escrow increase.

2. ) SWBC failed to properly evaluated me for all available loss mitigation options. They only considered limited FHA XXXX options and then pushed liquidation options ( short sale or deed-in-lieu ), which I do not want. 
3. ) By incorrectly stating that my hardship has " resolved '' and failing to offer home retention solutions ( such as a standard loan modification, forbearance, or repayment plan tailored to my situation ), SWBC has not complied with servicing requirements under RESPA and CFPB rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This complaint concerns XXXX XXXX XXXX, the parent company of XXXX. This is not about withheld funds - I successfully transferred my balance to my bank before suspension. The issue is the loss of service and unfair suspension of both my personal account and my husbands account, despite him having no suspicious activity. 

I run a small tutoring business. I applied for a XXXX  XXXX account in good faith to properly separate personal and business transactions. My business application was denied, and shortly afterward my personal XXXX  account was suspended. I have always kept accurate records for tax purposes. 

Recently, when I attempted to link our family bank account to my husbands XXXX  account, his account was also suspended. He has never had any suspicious transactions, and his suspension appears to be based solely on his association with me. 

This has left our household with no access to XXXX, despite having done nothing fraudulent or improper. Many professionals ( hairdressers, nail technicians, photographers, tutors, etc. ) use XXXX  for services without issue, yet my attempt to handle payments correctly has resulted in both my personal and my spouses accounts being shut down. 

Timeline of Events : Early XXXX, XXXX, I applied for a XXXX  XXXX account to properly separate tutoring payments. 

Shortly after, my business account application was denied ; and my personal XXXX  account was suspended. 

I have since attempted to resolve with XXXX/PayPal, but was told the decision was final. 

I then attempted to link my bank account to my husbands XXXX. Immediately after, my huusbands account was suspended, despite no suspicious activity. 

As of now, both personal and husbands accounts remain suspended, leaving our household without access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. Thank you

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 2025-09-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

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

3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

4. late payment status is invalid and inaccurate. you must have maximum accuracy in reporting it. please delete. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

5. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint because Equifax failed to properly handle my consumer dispute in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> I submitted a dispute regarding inaccurate information appearing on my Equifax credit report. Along with my dispute, I included a copy of my valid state drivers license and a recent piece of mail ( showing my full name and current address ) as proof of my identity and residence. 

Despite my full compliance, Equifax sent me a letter claiming they could not proceed and requested that I verify my identity again. This response is a stall tactic and is not in compliance with the FCRA. The documents I provided already meet the CFPBs published guidance for acceptable proof of identity ( government-issued photo ID and a utility bill, bank statement, or insurance statement ). 

This process has already cost me time, money, and effort : I had to gather documentation and mail it to Equifax. 
I incurred postage and printing costs. 
I lost valuable time waiting for their reply, only to be told to start over. 

By refusing to accept valid identification, Equifax has failed to fulfill its obligation to reinvestigate disputed information within 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Their refusal unfairly increases the burden on me and delays my rights under federal law to correct inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} -XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2025-09-14 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} -XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Last year there was a deposit I never reciiibed after account glitched

Company response to consumer: Closed with explanation