vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



NEGATIVE ACCOUNTS : 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  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

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 2025-07-31 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 am writing to dispute a fraudulent account that is incorrectly appearing on my credit report. I have no knowledge of this account and did not authorize its opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MS

Complaint narrative:
My student loans were forgiven in XX/XX/XXXX, and I was informed by MOHELA that I would receive my refund within 90 days, by XX/XX/XXXX However, when I called on XX/XX/XXXX, I was told the refund had not been processed and that the timeline would be reset, meaning I would receive it by XX/XX/XXXX As of today, XXXX XXXX I have not received my refund. I have emailed MOHELA twice, but have not received a satisfactory response or resolution. I have documentation confirming my loan forgiveness and my previous communications with MOHELA regarding the timeline. 

It has now been over 8 months since my loans were forgiven, and I am concerned that MOHELA is delaying or withholding funds that are rightfully owed to me. I am requesting immediate processing and release of my refund, along with a written explanation for the delay.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
After a long period of illness our mother passed away in XXXX.

To sort out banking affairs sevaral phonecalls/ letters and emails are send to WELLS FARGO : XXXX - Letter to Wells Fargo Bank N.A . with notification death of our mother complete with : - copy Bank Statement Wells Fargo - copy Death Certificate - copy Will - copy Certificate of Inheritance XXXX - Copy Reminder Letter to Wells Fargo Bank N.A . with notification death of our mother complete with : - copy Bank Statement Wells Fargo - copy Death Certificate - copy Will - copy Certificate of Inheritance XXXX - After contacting Wells Fargo by phone again copy reminder letter send to Wells Fargo Bank N.A . XXXX  complete with a copy of all documents etc. 

XXXX - After contacting Wells Fargo by phone again received email to send again all documents - email send to XXXX XXXX - email reminder to XXXX XXXX XXXX email reminder to XXXX XXXX XXXX email reminder to XXXX wellsfargo.com

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 2025-07-31 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:
There is a late payment listed on my credit report that I believe is inaccurate. I reviewed my records, and they clearly show the payment was submitted on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased products from a company called XXXX for {$60.00} dollars and immediately after that purchase the company could not be found again I immediately contacted my bank chime for a dispute as I was scammed and they are refusing to refund my money it is not a month and they are claiming it takes 90 days to resolve a dispute they dont care about the customer and allowing and assisting people in scamming customers last year I was scammed by chime out of {$600.00} when I ordered grills that I never got and chime said it was not a error after I sent them proof not only from me but the company also verified I hadnt received my item chime needs to be investigated throughly and a class action suit needs to be filed against this company as they are not a bank they are a tech company claiming to be a bank and committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
COMPLAINT DETAILS : This is a follow-up complaint regarding PNC Bank 's continued violations of the Electronic Fund Transfer Act, specifically 15 USC 1693f , following my initial CFPB complaint about their failure to provide timely dispute denial notification. 

Background : I filed a previous CFPB complaint against PNC Bank for denying my dispute under 15 USC 1693f but failing to provide the denial notification within the required 3 business days. 

New Violation - Today 's Date : Today, I received a call from XXXX in PNC 's Executive Relations Department regarding my CFPB complaint. When I requested specific details about how PNC conducted their investigation and reached their conclusion to deny my dispute claim, XXXX stated that I would need to " subpoena for that information. '' Legal Violation : This response constitutes a clear violation of 15 USC 1693f of the Electronic Fund Transfer Act, which requires financial institutions to : Provide written explanation of investigation results- When a financial institution concludes that no error occurred or that an error occurred in an amount or manner different from that described by the consumer, they must deliver or mail to the consumer an explanation of their findings. 
Include specific details - The explanation must include the reasons for the institution 's conclusion and inform the consumer of the right to request copies of documents relied upon by the institution in making its determination. 
No subpoena requirement - Consumers have the statutory right to request and receive details about the investigation findings without requiring legal process or subpoenas. 
XXXX XXXX statement is factually incorrect and demonstrates PNC 's continued non-compliance with federal law. 
Impact : PNC 's refusal to provide legally required information continues to violate my rights under federal law and demonstrates a pattern of non-compliance with EFTA requirements. Their Executive Relations department is providing consumers with incorrect legal information that impedes their ability to understand and challenge dispute decisions. 

I request the CFPB investigate this additional violation and ensure PNC complies with all Electronic Fund Transfer Act requirements regarding dispute resolution transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-31 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: NJ

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-31 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-31 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: FL

Complaint narrative:
I discovered several inaccurate and potentially unlawful negative entries that are damaging my credit profile. These include multiple accounts reported by XXXX that appear to be duplicates or are unsupported by any contractual documentation, with balances of {$3100.00}, {$3300.00}, and {$1300.00}, respectively. Additionally, there is a negative entry from XXXX reporting delinquency without providing any evidence of an agreement or billing statements. A mortgage account from XXXX XXXX XXXX XXXX, with a balance of {$230000.00}, is being reported with a derogatory status despite no supporting amortization schedule or original loan contract being furnished. Similarly, accounts from XXXX XXXX and XXXX XXXX XXXX XXXX are being reported negatively without verification or proof of liability. A self-reported telecom balance of {$28.00} is also unjustly impacting my credit, even though no authorization, contract, or documentation has ever been presented. Lastly, I noticed a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>, which I did not authorize and have no knowledge of. These items have been previously disputed, but no valid documentation has been provided. I am now formally requesting a reinvestigation and removal of these unverifiable and inaccurate accounts in accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Yesterday after 14 years of banking with USAA without proper notice they restricted my bank accounts. With my direct deposits just being deposited.Im a 100 percent XXXX veteran and depend on that income to pay my bills and buy food. After talking to the banking representative on the phone regarding the situation she stated they did what they did because my accounts had excessive bank disputes.That I submitted. Well USAA states that you as a consumer can dispute a transaction without notifying the other party. It can go in your favor or not. But I have the right to dispute a claim. Now they have over XXXX dollars of my money that I use to pay my bills to survive including food on hold for 60 days.. I cant pay my mortgage I cant buy food I cant pay my utilities .. And they claim that they are for military families and service members stay away from USAA !

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 2025-07-31 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 reaching out regarding a recent hard inquiry I discovered on my credit report that I did not approve or initiate. This inquiry does not correspond with any activity Ive undertaken, and I have not given any entity permission to access my credit information. The presence of this entry is not only alarming but has also caused me significant concern as I have always been careful about who I allow to view my credit profile. Unauthorized activity like this creates unnecessary XXXX  and impacts my financial peace of mind.

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 2025-07-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
I am writing to formally dispute a collection account reported on my credit report by Southwest Credit Systems on behalf of XXXX , in the amount of {$2500.00}. This account appears on both my XXXX  and XXXX  credit reports, but it was opened fraudulently and without my knowledge or consent.

The unauthorized account was opened while I was preparing to leave for XXXX XXXX XXXX  XXXX. I contacted XXXX prior to departure and believed the issue had been resolved at that time. Unfortunately, it appears that the account was never properly closed and has now been sold to a debt collector and misreported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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