vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XXXX. XXXX was paid off on XX/XX/year>, and the wire was submitted for {$76000.00}. 
XXXX. I sent the following letter through email, fax, and certified mail XX/XX/year> ( exhibits attached ) : Dear Selene Finance XXXX XXXX Department, I am writing to inform you that I intend to pay off the remaining balance of my mortgage loan ( Loan Number : XXXX ) for the property located at XXXX XXXX XXXX XXXX, Humble, TX XXXX which has a property address in XXXX XXXX, TX. I plan to send the final payment via wire transfer. 

Please provide the following : A payoff statement detailing the exact amount required to fully satisfy the loan, including principal, interest, and any applicable fees, valid through XX/XX/year>. 
Instructions for submitting the final payment via wire transfer. 
A paid in full letter confirming the loan has been satisfied, to be sent after the payment is processed. 
A XXXX release document to be filed with the XXXX XXXX XXXX XXXX to clear the title. 
Any additional documentation required to confirm the mortgage is fully paid and the XXXX is released. 
Please send these documents to XXXX & XXXX or XXXX XXXX XXXX, XXXX, TX XXXX, at your earliest convenience. If you need additional information from me to process this request, please let me know. You can reach me at XXXX ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I sent a letter through email, fax, and mail to " Request to Cancel XXXX XXXX for Mortgage Account XXXX ''. They confirmed receipt and canceled. 

The issue is they have not responded or sent me my documents for this paid off mortgage. Also, my account online is now not accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a EQUIFAX : XXXX XXXX, ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : 11XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Employers XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my credit report. I've attached a list of the hard inquiries in question as well as a copy of the credit report maintained by you which shows the aforementioned fraudulent items. 

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. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written correspondence regarding this CFPB complaint be sent to me at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these 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 explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The credit bureau has been sued that's reporting a XXXX account # XXXX to my credit file. 

The credit bureau unlawfully failed to investigate my customer dispute that I reported as inaccurate. 

The sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
The credit bureau has been sued that's reporting a XXXX account # XXXX to my credit file. 

The credit bureau unlawfully failed to investigate my customer dispute that I reported as inaccurate. 

The sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
There's been a total of 12 unauthorized payments to my Sofi Checking Account, totaling to more the {$230.00}. I canceled my card with Sofi but I can't talk to a real person to dispute this until tomorrow. I know these payments weren't mine because they are in Stores/GasStations/Bars in Maryland and Pennsylvania. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX at the same XXXX XXXX inside XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX ( Today ) I have canceled my card, a new one is automatically ordered, but I need my money back. I'll be talking with Sofi tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Meta Payments Inc.

Complaint narrative:
I am submitting this complaint against Meta Payments Inc. regarding XXXX/Metas wrongful disabling of my payout account and withholding of legitimately earned business funds. 

I am attaching every supporting document to this complaint, including : - IRS Form 147c issued directly by the IRS, - XXXX XXXX statement with matching name and address, - Screenshot showing my payout account disabled,- And proof of the red Connected Entity Violation flag that Meta placed on my page.

I have been a paying subscriber to Meta Verified for years, which is supposed to confirm that I am a legitimate user and provide priority access to support. Despite this, I have contacted Metas support team multiple times, only to find the system unresponsive and ineffective, leaving me with no resolution. 

This payout block has not only withheld funds rightfully earned by my business but also placed a damaging Connected Entity Violation flag on my page, affecting my reputation and ability to operate. While this situation has occurred with other payouts as well, this complaint focuses on one payout issue at a time to allow for proper resolution. 

I fully complied with all verification requests and submitted official government documents that clearly match my business information. Despite my compliance and my long-standing status as a Meta Verified subscriber, my payout account remains disabled, my funds are being held without cause, and no clear explanation has been provided. 

I am requesting that Meta Payments Inc. immediately review this case, reinstate my payout account, remove the Connected Entity Violation flag, and release the withheld funds, while providing a transparent explanation for why such measures were taken despite full compliance on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 the victim of identity theft and have submitted the proper documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including an identity theft report and proof of identity. Despite this, certain fraudulent accounts remain on my credit report. These accounts were not authorized or opened by me and have already been removed by one or more credit bureaus after verification. However, other bureaus continue to report them, which is a direct violation of the requirement to block such information within four business days of receiving a valid request. 
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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am writing you with this formal grievance and a suggestion for prompt action ( XXXX ) on your part. You are inappropriate reporting inaccurately to the XXXX XXXX Equifax and damaging my credit. You are behaving dishonorably in considerations of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( XXXX ) may well be subject to fines and damages. I am providing you but this XXXX last hope for resolution of this reported item. Previously, I had sent you a letter advising you that you were incorrectly reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They call everyday of the week nonstop harassing me. They are even allowed to be collecting debt on any information because I did not give consent to allow any third party to have my personal information. They harass you every single day calling from different numbers.

According to the Fair Credit Reporting Act ( FCRA ) section 605B. It is illegal to report any information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute multiple charge-off entries listed on my credit report from XXXX XXXX XXXX, reported between XX/XX/XXXX and XX/XX/XXXX. 

These entries are inaccurate for the following reasons : XXXX. I was not properly notified of any impending charge-off or collection action on this account. 
XXXX. The same account appears to be listed multiple times, which negatively and unfairly impacts my credit score. 
XXXX. I believe this account may be fraudulent and was not authorized by me.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian investigate these entries and either remove or correct them based on your findings. If XXXX XXXX XXXX is unable to verify the accuracy and validity of these charge-offs with supporting documentation, they must be deleted from my credit file. 

Enclosed you will find a copy of my credit report with the accounts in question highlighted, along with a copy of my identification for verification purposes. 

Please complete your investigation within the XXXX period as required and notify me in writing of the results. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/year>2025, I submitted a written dispute to Experian requesting correction of personal information on my credit report, including the removal of inaccurate name variations and employer data. 

Despite this dispute, Experian has failed to correct or remove the following : Incorrect names : XXXX XXXX, XXXX XXXX XXXX Incorrect or outdated employers : Self, XXXX XXXX My correct name is XXXX XXXX XXXX XXXX, and my current employers are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX 

This inaction violates the Fair Credit Reporting Act ( FCRA 611 ), which requires Experian to investigate and correct disputed personal information within 30 days.

I am attaching the original letter I sent to Experian to support this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There are hard inquiries on my credit report that are holding me back and I do not recognize making these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are hard inquiries on my credit report that are holding me back and I do not recognize making these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
* * Subject : * * * Formal Dispute Fraudulent Charges on Bank of America Account ( * * * * XXXX ) & XXXX FCRA Violations * * * Description : * * I am a * * victim of XXXX XXXX * *, and my Bank of America credit credit card was * * stolen and used without my authorization * *, resulting in * * fraudulent charges of {$460.00} * *. 

# # # * * Key Facts : * * * * Bank of America Account # * * : [ Ending in XXXX ] * * Fraudulent Amount * * : {$460.00} * * Police Report Filed * * : XXXX XXXX Police Department ( XX/XX/year> ) * * Attached * * * * FTC Identity Theft Report Filed * * * * Attached * * * * Additional Proof * * : My drivers license, Social Security card, attached # # # * * Equifaxs Illegal Refusal to Comply with Federal Law * * Despite providing * * all required legal documents * *, Equifax has : * * Refused to accept the police report and FTC report * * as valid proof. 
* * Failed to remove fraudulent account entries * *, violating the * * Fair Credit Reporting Act ( FCRA 605B ) * *. 
* * Continued reporting false information * *, damaging my credit. 

# # # * * Demands : * * XXXX. * * Bank of America * * must : - * * Permanently remove the {$460.00} fraudulent charge * * from my account. 
- * * Correct all credit reporting errors * * related to this fraud. 

XXXX. * * Equifax must * * : - * * Immediately block/delete this fraudulent account * * from my credit report. 
- * * Comply with FCRA 605B * * by accepting the police report & FTC affidavit.

- * * Face CFPB penalties * * for willful non-compliance. 

XXXX. * * CFPB must investigate * * and * * hold Equifax accountable * * for violating : - * * FCRA ( Fair Credit Reporting Act ) * * - * * FTCs Identity Theft Rules * * - * * Consumer Financial Protection Laws * * * * Attached Documents ( Upload to CFPB Portal ) : * * - [ ] * * XXXX XXXX Police Report * * ( XX/XX/year> ) - [ ] * * FTC Identity Theft Report * * - [ ] * * Bank Statements * * ( showing {$460.00} fraud ) - [ ] * * Government ID ( Drivers License & SSN Card ) * * * ( redact sensitive info ) * * * XXXX. Desired Resolution : * * - * * Delete fraudulent account from Equifax immediately. * * - * * Bank of America must close dispute & correct records. * * - * * CFPB must sanction Equifax for breaking federal law. * * * * XXXX. Final Warning : * * If this is not resolved within * * 15 days * *, I will : - Escalate to the * * FTC * *, * * XXXX ( Office of the Comptroller ) * *, and * * California Attorney General * *. 
- Pursue * * legal action against Equifax under FCRA 616 * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 response to consumer: Closed with non-monetary relief