vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I have paid {$10000.00} to MOHELA loan services for repayment of my student loans. They have lost the money. I have submitted proof that the payment was submitted and received by them, as I have an email from them stating they received the payment. I submitted the payment online, as always, through their website. However, the payment made does not reflect in my account and they have been saying, since last year ( 2024 ), that they are looking for it. My request/ complaint has been pending in review since last year. I have submitted multiple emails and phone calls. They keep telling me the request in review. 

They have also started charging me interest even though my account is in forbearance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a statement with the annual fee for an XXXX XXXX credit card from Citibank. The fee increased from previous years to {$590.00} per year ( previously {$390.00} per year ) I called upon receiving the bill and was told they would be able to transfer me to a regular card with no annual fee. I was transferred to another associate who then declined to change the card. They said they would have another associate contact me, when they did call I was transferred to no less than XXXX associates all of whom told me theres nothing they could do to transfer me to a credit card with no annual fee. I explained that I have not used XXXX XXXX in XXXX  years and I have no need for the card and XXXX  asked them to close the account. They closed the account and then called a week later seeking payment for the annual fee! I explained that its an annual fee for a now closed card and XXXX  can not use the benefits the annual fee covers, they are still contacting me to pay the fee. Now it has affected my XXXX XXXX negatively. Please help, this is extortion!

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 2025-11-06 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:
There is an account XXXX XXXX XXXX original XXXX XXXX XXXX being reported on my credit report. I have attempted to dispute it numerous times with transunion and have not been able to get it removed. This account does not belong to me. I have been a victim of identity theft. This account was fraudulently opened in my name. Every time I dispute it Transunion tells me it is accurate. I've also disputed it with the other credit bureaus as well. 
XXXX  even looked into it and successfully removed it due to it being a fraudulent account. 
I'm not sure why Transunion is still trying to claim that this fraudulent account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX, I deposited a {$15000.00} cashiers check in person at a Wells Fargo branch. I requested release of the standard {$5000.00} under XXXX XXXX unless there was a documented fraud exception. No exception or hold reason code was provided. 

Instead, I was told only {$250.00} would be made available which is the minimum hold requirement and that I would need to wait until XX/XX/XXXX for full availability. I asked for the specific XXXX XXXX exception being applied, and was told its confidential. I then requested verification of the check with the issuing bank and was told Wells Fargo can not call to verify. 

I was transferred to a higher representative who stated the funds may not be available in the account the check came from, which is extremely concerning given that this is a cashiers check, not a personal check, and therefore should represent guaranteed funds. I was also told that moving forward I should request alternative payment methods instead of a cashiers check, which contradicts standard banking guidance. 

My request was simply to release the {$5000.00} availability required under XXXX XXXX unless Wells Fargo could document a fraud exception. No documentation was provided. I was told customer support could not assist, and my only option was to submit a ticket and wait XXXX days for someone to contact me. 

This situation has left me feeling extremely unsettled. This is a significant deposit, and instead of a clear compliance explanation or verification effort, I was given vague statements suggesting the funds might not exist, but no investigation was performed. If there is truly concern about the checks validity, I would expect Wells Fargo to verify it rather than simply hold funds without explanation

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX * XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-06 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:
My credit file contains fraudulent & unauthorized negative accounts. my home being broken into which caused me to become a victim of identity theft. Therefore, my identity has been constantly used since then including my personal information exposed due to a data breach. My social & ID was stole & I am faced with multiple accounts that were opened without my consent due to fraud. Provide written confirmation that these items have been permanently blocked and no reinsertion will occur without full compliance with 611 ( a ) ( 5 ) ( B ). 

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 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 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 2025-11-06 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-06 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: WA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-06 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: SC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MI

Complaint narrative:
I am writing to express my deep frustration with the persistent issues I have encountered while trying to access my Social Security funds through my Direct Express card. For several months, these problems have caused significant delays and hardships, despite my adherence to your outlined procedures. 
Over the last XXXX months, every attempt to transfer funds to another bank has resulted in errors, delays, and failures, forcing me to wait XXXX business days each time. Additionally, the card frequently declines for basic everyday purchases, rendering it unreliable. Each month, a fraud alert is triggered, adding another XXXX days of waiting before I can access my money. 
When I contact customer service, representatives assure me the account is in good standing and instruct me to call back if issues persist. On XX/XX/year>, I called XXXX times and was repeatedly told to call back later. During the third call, your team refused to speak with my boyfriend, who holds power of attorney over my finances. Following this, my account was flagged for verification under fraud protection, and I was informed of an additional wait of up to XXXX  days. My Social Security payment has been in the account for XXXX days, yet I remain unable to access it. 
These recurring problems demonstrate a lack of professionalism and reliability from Direct Express. I request immediate resolution to restore full access to my funds and information on switching to a different bank or payment method for my Social Security benefits. Please provide a detailed response within XXXX business days, including any necessary steps to escalate this matter. 
I am copying this letter to the Consumer Financial Protection Bureau and the Social Security XXXX for their oversight. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report under the Fair Credit Reporting Act ( FCRA ). These accounts were inaccurately reported, and I respectfully request a thorough investigation and resolution of the issues outlined below. 

Charged Off Accounts XXXX  ( XXXX ) Date Open : XX/XX/year> Balance : {$0.00} Dispute Reason : This account was inaccurately reported as charged off. Please investigate the accuracy of this entry and remove if found to be incorrect or unverifiable. 

XXXX XXXX XXXX ( XXXX ) Date Open : XX/XX/year> 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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I spoke with TD Bank-6 associates in 6 different departments about an account that did not belong to me. And when I wrote XXXX  explaining to them that the account in question did not belong me to, they kindly said that the information was correct and to send further identification ( SSN card and such ). Also there is a XXXX XXXX listed on the XXXX  mobile app account that wants me to confirm. But I will not confirm the info because Again, this does NOT belong to me. So I have gone to the police dept. and filed a fraud/identity theft report. 

XXXX  yard card, the card in question

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-06 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: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name, XXXX XXXX. 
Account number 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 2025-11-06 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: WI

Complaint narrative:
This letter is to formally dispute the referenced accounts. I am not affiliated with them, nor did I authorize their setup. I request their immediate removal following a proper review. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief