vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
i have called several times in the past 3 months I was approved for a business card 3 months ago and still havent gotten it so both personal and business card can not be used. I called and was told they will expedite it within 3 days a week later i stil dont have a cards then niow threatening to close the accts I was approved for when i cant use something I havent received

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 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
On XX/XX/year> I received a phone call from my bank telling me that my accounts were frozen by Patenaude and Felix, a debt collection law firm. I received no letter in the mail ( they told me that was not their problem, I contend any communications should have been sent certified as I never received any letters, especially letters stating they intended to freeze my accounts ), nor a phone call. The last time I talked to them via phone, I told them I would pay them in XXXX, as I was already paying a debt off to them and I couldn't afford both. The rep said that was fine and he would call me in XXXX. Today, both of my bank accounts are frozen. I am now trying to pay the debt just to get my accounts unfrozen, but they wont take a credit card and my bank accounts are FROZEN. How am I supposed to pay them if I don't have access to any money? In fact, I can't pay ANY BILLS AT ALL because I have no access to any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: IL

Complaint narrative:
I reached out to VANCE & HUFFMAN LLC to discuss a debt in the about of {$1100.00} that was being reported on my credit report as of XX/XX/year>. I spoke with an agent who stated the debt is no longer with them and is now with another agency. They provided with a phone number to call XXXX XXXX XXXX where a person name XXXX sated they debt is not with them either. At this point I am not sure where the debt is coming from nor where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-04-24 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been using my account for withdrawals and purchases abroad, and suddenly my card was blocked, which has caused me problems since it is the only card I have whi

le Im XXXX. I have called customer service several times, but they have never been able to resolve this issue. I filed a complaint through the CFPB, but the response was vague and I still have the same issue.

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 2025-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Complaint Against AmeriSave Mortgage Corporation Details : My spouse and I are veterans currently in the process of purchasing a home through a VA loan assumption. The seller is also a veteran. We began the loan assumption process with AmeriSave Mortgage Corporation in late XX/XX/year>, and it is now XXXX, over 90 days later, and we are still waiting for the loan to be processed.

Despite repeated follow-ups and our full cooperation in submitting all required documentation, there has been a lack of clear communication, no timeline provided, and no substantive updates from AmeriSave. This delay is causing significant emotional and financial strain on our family, as we are unable to move forward with the purchase or make any future housing plans.

We believe this may be a deliberate tactic by AmeriSave to discourage loan assumptions, which are known to generate lower profits for the lender compared to new loans. This appears to be a bad faith business practice, particularly harmful to veterans who rely on the VA loan program as a path to homeownership.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
I am a psychiatrist working in public mental health trying to do XXXX. I have XXXX verified payments so far and I have been diligent about doing everything correctly with this loan. I have been paying XXXX for the last year, I submitted my income verification on XX/XX/year> and it has not been processed due to the pause. Subsequently my payment went up to > {$3400.00}. I complained and after numerous hours/several attempts on the phone with mohela my loan was placed on administrative forbearance for a month. With following the news I was led to believe that no income verifications would be processed until next year, which I assumed meant that my payment would go back to the XXXX amount, instead I got an email last week from mohela stating that my payment was coming off of forbearance in XXXX and was set to be the {$3400.00} amount. Today I attempted to call them, they placed me on hold for 80 minutes, I spoke to someone for XXXX mins who said she was transferring me to the department that specializes in this... the hold time said it would be 2 hours, I waited over 3 hours only for them to HANG UP ON ME!!!!!! I am so mad right now I could literally explode. Please call me/email me or just fix the the payment please! This is completely absurd. I am a physician trying to do XXXX, do you think it is reasonable or that I have the time to spend ALL DAY ON HOLD!?!?! I have done everything right with my loan and you are punishing me with an improperly increased payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
I'm writing this with full certainty and deep frustration. My credit report contains multiple errorswhich is the result of fraudulent activityand it's taking a serious toll on my life, finances, and peace of mind. These inaccuracies are blocking my access to financial opportunities and stability that Ive worked hard for. I am a victim of Identity theft, as some of the accounts being reported are clearly not mine and may have been added due to identity theft and mixed file issues.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: OK

Complaint narrative:
Incoming payments have been cancelled for my protection. I contact customer support and they say I am over my limits but the limits will reset. I am well within the limits set in a verified account. I asked and They cant tell me what the limits are or when the reset. They have taken my information twice now to escalate the issue I havent heard back and they keep telling me they cant tell me anything and that even though its not the answer I want to hear, they are going through their process. The financial entity is CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information to my credit report and have been for several months now. Reporting 6 late payments to my credit through XXXX  but showing 7 failed payments in the history. Also, Ive never had a contract with XXXX XXXX. They have no authorization to report my personal information to my credit report. They are showing a different balance then what BMG Money, the alleged original creditor shows.

If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid As Agreed, Never Late ) status, in accordance with consumer protection laws. I will also accept the removal of the account from my credit report in 15 days of receiving this letter.

Please send the results of this dispute and the updated credit report to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My personal and financial information was accessed without my authorization by a third party not affiliated with the issuer of my student loans. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and the responsibility to safeguard my information.

Pursuant to 15 U.S.C. 1681 is a section of the U.S. Code : Which aims to ensure that consumer reporting agencies ( CRAs ) like credit bureaus act fairly and equitably towards consumers. This includes protecting consumers ' privacy while balancing the needs of commerce for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses is is tied to my account. Therefore under FCRA and FTC needs to be removed immediately off my credit report. 

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX Bank XXXX {$300.00} Balance $ XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
XX/XX/XXXX None of these addresses is is tied to my account. Therefore under FCRA and FTC needs to be removed immediately off my credit report. 

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX Bank XXXX {$300.00} Balance $ XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have previously filed a complaint on the Ally Financial regarding the title of my vehicle. There was an issue with release of my vehicle title to the new creditor after I refinanced my loan. Complaint # XXXX. After receiving response from Ally on my complaint, I have paid the remaining amount again, and received confirmation from Ally ( again ) that my loan was paid off. The payment was processed by Ally on XX/XX/XXXX. I received confirmation from Ally that my loan was paid off and the title would be released on XX/XX/year>. Today, on XX/XX/year>, the vehicle title has still not been received, nor by me neither by my new creditor. The DMV still lists Ally as a lien holder, as informed by my current creditor. Currently, Ally Financial has both the full amount for the vehicle, as well as the vehicle title, which no longer belongs to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am receiving stall letters instead of results of things out of compliance being removed from my consumer file and it is impacting my ability to obtain credit to better my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. 


I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS!

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 2025-04-24 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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