vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am submitting this complaint because XXXX XXXX has not issued my New Jersey XXXX XXXX XXXX payment. 
Claim Number : XXXX Payment Amount : {$920.00} Expected Payment Date : XX/XX/year> I have repeatedly contacted XXXX XXXX regarding the missing funds. Each time, they redirect me to the New Jersey Department XXXX XXXX ( XXXX XXXX ), stating that they never received my payment. However, XXXX  XXXX has confirmed to me that the funds have left their account and were paid out to XXXX XXXX 

This has resulted in me being bounced back and forth between XXXX XXXX and XXXX  XXXX with no resolution. The delay is causing financial hardship as these funds are essential for my basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-28 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: TX

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 rectifytheseissues. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I ordered my report from XXXX XXXX  which is a company that does reporting for banking. I found that since XX/XX/2024 EVERY MONTH XXXX  XXXX  is having Transunion check my report on their behalf! WHY? I dont use XXXX  XXXX! I havent used them in almost 10 years. They have no business checking my banking information. And I DID NOT give XXXX  XXXX  or Transunion permission to check any third party reporting about me. I have reached out to both and have not gotten any confirmations they will stop or any reasoning regarding why they suddenly started monitoring my banking report. Its a violation of my privacy! I want Transunion and XXXX XXXX  to STOP CHECKING MY XXXX  XXXX  REPORT NOW! Every number I have for XXXX XXXX doesnt work. Numbers online I havent gotten help from either.

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 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Sallie Mae regarding multiple unresolved issues with my XXXX  student loan account, as well as extremely poor customer service. 

I have contacted Sallie Mae numerous times to address the following concerns : Reversed Payment with No Notice A payment I made was unexpectedly reversed, and I was not contacted or notified in any way about this reversal. I only discovered it by checking my account manually. Now, Sallie Mae is labeling the payment as late, which XXXX result in late fees and a negative mark on my credit report even though the issue was caused on their end and not communicated to me. 

Grace Period Discrepancy I was granted only a XXXX grace period, despite expecting the standard XXXX deferment typically associated with student loans. When I inquired about this, Sallie Mae failed to provide a clear explanation or reference to my loan agreement. 

Repeated Call Disconnections I have been disconnected XXXX times while speaking with Sallie Mae representatives about these issues. Each disconnection occurred after I began asking detailed questions about the payment reversal or the grace period terms. These disconnections have made it impossible to resolve the matter directly with the company. 

Sallie Mae has provided no written communication, no explanation, and no resolution after repeated outreach on my part. The companys failure to communicate and their mishandling of my account XXXX negatively affect my credit through no fault of my own. 

I am requesting that Sallie Mae : Provide a written explanation for the reversed payment and remove any late fee or credit reporting related to it Clarify the terms of my grace period and explain why it was shortened to XXXX  months Investigate the repeated call disconnections and ensure proper follow-up I am asking for your assistance in resolving this issue, as Sallie Mae has XXXX to provide basic customer service, transparency, or accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS XXXX  ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
This is a follow-up regarding my previous dispute concerning multiple unauthorized hard inquiries still appearing on my credit report. Despite my previous request, these inquiries have not been removed and continue to remain without justification or proper verification. Following inquiries need to be removed immediately : XXXX XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), XXXX XXXX  ( XXXX ), and XXXX  ( XXXX ). These inquiries were not authorized, and no written consent was ever given. 

Under the Fair Credit Reporting Act, specifically 15 USC 1681b, a consumer reporting agency may only furnish a report with a permissible purpose. You are also required to maintain maximum possible accuracy under 15 USC 1681e ( b ). In Duane v. TransUnion, the court confirmed that failure to remove unauthorized inquiries and blindly relying on a furnishers claimwithout verifying written consentconstitutes a willful violation of the FCRA. I demand the immediate deletion of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$4400.00}

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 2025-07-28 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX  - XXXX - Account not mine XXXX  XXXX  XXXX  - XXXX - Account not mine None - XXXX - Account not mine None - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I am concerned to see a late payment listed, as I always pay my obligations on time. I kindly ask for a review and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-07-28 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: CA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
I have submitted a complaint regarding this collection account on my credit to the bureaus already, i am hoping we can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
XXXXEXPERIAN IS IN VIOLATION ACCORDING TO METRO 2 COMPLIANCE.\nCERTIFIED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2025-07-28 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: TX

Complaint narrative:
I was shocked to discover multiple hard inquiries on my credit report that were neither authorized by me nor initiated through any application I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This is a formal complaint against [ XXXX XXXX for XXXX XXXX report fraudulent, inaccurate, or identity-theft-related information after receiving a certified affidavit of dispute and FTC XXXX Theft Report. I am also submitted this matter to the CFPB. The credit bureau has failed to comply with XXXX XXXX. XXXX and XXXX. I am requesting your office open an investigation and demand immediate deletion of the account ( XXXX ) listed. ACCOUNTS XXXX - Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance XXXX : {$590.00} XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance XXXX. : {$730.00} XXXX - Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$1600.00} XXXX -Acct ending XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$770.00} XXXX - Acct ending XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX. : {$110.00} XXXX XXXX - Acct ending XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, approximately XXXX XXXX  I made a transfer for my XXXX account to a now close business account in the amount of {$140.00}. Bank of America, close my account without giving me any reason however, the previous week I did initiate a charge back on some fraudulent charges, which Im assuming lead to the closed account. I was told that this happens all the time and they dont close accounts because of this, but they did. I called XXXX who said that the money had already been transferred and I couldnt get it back into my XXXX account. They told me to call Bank of America. I called Bank of America fraud department and they told me that they will mail me a check when the account is fully closed, which could be weeks or months, but I need the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
After a critical look at my credit report, I found that Navient has negatively reported inaccurate credit information for decades and this recently impacted my ability to obtain a mortgage. There are multiple inaccuracies across all three credit bureaus, missing payment information, and months of not reported payment history. In 2003, I attended a private for profit trade school and my student loans were serviced by Navient. I entered into the Income Base Repayment program and thought this was paid. I found on my credit report 10 different entries that include the following : {$1400.00}, {$1300.00}, {$180.00}, {$1200.00}, {$1300.00}. Each of these entries were duplicated to make matters even worse. Each one shows a 60 late payment TEN TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I took out a loan with Mobiloans and was not clearly informed of the full cost of the loan or the exact APR at the time I signed the agreement. When I recently contacted customer service to better understand my loan terms, I was told my APR is approximately over 270 % a rate I never knowingly agreed to.

I live in California, where state law limits interest rates on most consumer loans to a maximum of 36 %. I was never provided with a breakdown of how my payments are being applied ( to principal, interest, or fees ), nor was I given a clear, specific APR disclosure. This lack of transparency appears to violate the Truth in Lending Act ( TILA ).

When I called Mobiloans for clarification, I was repeatedly interrupted, placed on hold, and given vague answers about my APR being between 70 % and 300 %. They refused to provide written proof of the APR, a copy of my original loan agreement, or a full payment history. This has made it nearly impossible for me to understand what Im truly paying or what I still owe.

I believe this may constitute predatory lending, especially considering my financial situation and the fact that I am now being charged excessive interest. Im requesting the CFPB investigate Mobiloans for deceptive lending practices and failure to disclose key loan terms as required by law.

Company response to consumer: Untimely response