vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CT

Complaint narrative:
My student loans have consistently been enrolled in the SAVE forbearance since the beginning of the injunction. The forbearance is interest free and not optional. All SAVE plan borrowers were placed into the forbearance without consent. 

In XXXX of 2024 my accumulated total interest across all loans was {$9900.00}. As of today, the amount totals {$11000.00}. Interest has continued to accrue despite all of my loans being in an interest-free forbearance. This is unacceptable. 

The servicer ( MOHELA ) has continued to apply the interest, and the Department of Education has continued to reflect the increases, despite the fact that both display that I am in the SAVE plan, and MOHELA displays the 0.00 % interest rate. 
I believe this is negatively impacting my credit score and I am concerned I will be forced to pay this unlawful interest down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with the fair credit reporting act account # XXXX, has violated my rights .15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I paid off my account with Wells Fargo a few years ago and at the time, I requested both a payoff statement and a pay-for-delete agreement. I was never provided either. Despite the account being paid, the collection is still showing up on my credit report. This is inaccurate and should have been removed after payment. Im requesting that this account be updated to reflect the correct status and removed 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year> TRANSWORLD SYSTEM INC XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Collection Account Reporting Request for Removal Dear TRANSWORLD SYSTEM INC, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is being reported by TRANSWORLD SYSTEM INC under account number XXXX amount {$1000.00}. 

I am disputing this account on the grounds that it is inaccurate and does not belong to me. I have never had an account with this company and was not notified of any outstanding balance. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure all information reported is accurate and verifiable. 

I am requesting a full investigation into this matter. If the account can not be verified with proper documentation from the original creditor, it must be removed from my credit report. 

Please confirm in writing the outcome of your investigation. I am requesting that this collection account be permanently deleted from my credit file across all reporting bureaus. 

Attached are copies of my identification and any relevant documents to support my claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires on my credit report are not mine. This inaccuracy has directly resulted in denial of affordable housing opportunities and mortgage eligibility, which constitutes discriminatory impact under the Fair Housing Act and causes irreparable harm. Immediate action is required. I am filing a formal complaint regarding these inquiries on my credit reports. I have not applied for any loan. This misinformation has damaged my ability to access affordable housing. I have been denied mortgage preapproval and blocked from qualifying for federally supported Down Payment Assistance Programs, which require clean credit files with no recent delinquencies, unresolved charge-offs or inquiries. The harm is not speculativeit is real, ongoing, and unjust. Ive spent considerable time and emotional energy trying to resolve this with no relief.

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 2025-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires on my credit report are not mine. This inaccuracy has directly resulted in denial of affordable housing opportunities and mortgage eligibility, which constitutes discriminatory impact under the Fair Housing Act and causes irreparable harm. Immediate action is required. I am filing a formal complaint regarding these inquiries on my credit reports. I have not applied for any loan. This misinformation has damaged my ability to access affordable housing. I have been denied mortgage preapproval and blocked from qualifying for federally supported Down Payment Assistance Programs, which require clean credit files with no recent delinquencies, unresolved charge-offs or inquiries. The harm is not speculativeit is real, ongoing, and unjust. Ive spent considerable time and emotional energy trying to resolve this with no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank
State: TX

Complaint narrative:
Company denied the claim stating fraudulent charges were with in the radius of where I live and that I had possession of my card which I did not have. After filing the complaint First Progress Opened a 2ndc fraudulent account in my name dropping my credit score XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

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. 
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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We had fire damage to our property and land during XXXX fires last XXXX. Our insurance company ( XXXX ) were timely in sending checks. However they were made out to both us and the mortgage service company ( NewRez/Shellpoint ). Since XXXX we have been trying to get our insurance money ( almost 6 months ) so that we can take care of fire damage to our home that we can not afford to do on our fixed income. ( We are XXXX ) We have been transferred from supervisor to supervisor who promise to resolve and then we never hear back. We have gone over their INACCURATE facts on the phone, accompanied by our insurance adjuster to no avail. They have accused of us of receiving/or our contractor receiving {$48000.00} which is why they are holding on to our check. We have received less than {$18000.00} directly from XXXX. 
Our home needs to be cleaned and smoke damaged items ( such as insulation ) removed as it is putting health at risk. 
Please let me know if you can help with this issue. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 
XXXX - XXXX I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 
XXXX - XXXX I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in accordance with the fair credit reporting act account # XXXX, has violated my rights .15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in accordance with the fair credit reporting act account # XXXX, has violated my rights .15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am writing in regards to a seriously mishandled problem with my HSBC Premiere Checking Account. These accounts must be opened with a minimum of {$100000.00}, therefore, these funds were available in my account. After some time, I had use for the funds and initiated a transfer, wherein not only did the recipient NOT receive the funds but the transaction was canceled by HSBC and my account access " suspended ''. I have since visited the branch, in person, TWO times as well as numerous telephone conversations. My access to my own funds are being illegally and irrationally restricted and, although I was promised by banking officers that I would be able to personally pick up my funds, this did not happen. I was told that the the transaction was being " investigated '' with no explanation- this seems more like my funds are being " stolen '' by HSBC . This situation is absolutely absurd, bizarre, and something I have never dealt with from a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have an SBA 7 ( a ) business loan through US Bank from XXXX. I've made consistent monthly payments for years and have now paid more than the original principal. My business suffered greatly during the pandemic and only recently closed it. I kept it open solely to continue servicing this loan. 

Since XXXX I have made multiple formal requests for payment relief or modification, which were ignored or deflected. No options were ever offered. 

In XXXX, US Bank raised my interest rate from 5.5 % to 10.75 % without notifying me clearly and without engaging in any restructuring discussion. I requested a complete payment history and breakdown of interest rate history three times before they finally provided it, but only after multiple attempts to get me to sign a Pre-Negotiation Letter Agreement that would waive my rights and force all discussions to phone calls. They are also sending threatening legal-style letters and falsely inflated the balance to {$650000.00} even though the original loan amount was XXXX. 

I'm requesting the CFPB review US Bank 's handling of this SBA loan, their refusal to negotiate in good faith, and their attempt to condition relief on waiver of rights. I am seeking resolution, including potential discharge, based on this documented history of predatory servicing and financial harm.

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 2025-05-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This marks my fourth formal complaint against Experian. 
Once again, they have failed to provide timely access to dispute resultsthis time for disputes filed on XX/XX/year> and XX/XX/year>. All currently read " unavailable online '' well past standard processing expectations. 



XXXX This is a clear pattern of delay, non-transparency, and obstruction. I believe these repeated failures are violations of the Fair Credit Reporting Act ( FCRA ), which guarantees me access to dispute outcomes within 30 days. 



> If this continues, my next step will be going publicdetailing every documented violation and Experians lack of accountability through social media, local press, and consumer protection groups. Im not just seeking resolutionIm seeking exposure of a broken system that fails to protect consumers. 



> I am demanding a full audit of my pending disputes, an explanation for the repeated unavailable status, and confirmation of disciplinary or corrective action against Experian if they are found to be in breach.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX with a balance of {$3600.00}, another student loan also opened at XXXX XXXX XXXX on XX/XX/year> under the same account number XXXX with a balance of {$3600.00}, and a student loan opened at XXXX XXXX XXXX XX/XX/year> under the account numbeXXXX XXXX XXXXith a balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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