vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans Union and Equifax are reporting my XXXX account as closed when it is NOT closed. Further, both refuse to update this account monthly. XXXX reports on the XXXX or XXXX of each month, Yet Equifax claims XXXX reported on XXXX. XXXX  as all creditors report on the same day to all three credit bureaus.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Multiple accounts have been closed and paid in full, still showing late payments on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Selene Holdings LLC
State: FL

Complaint narrative:
I have been working with my mortgage company ( Selene Finance ) since at least XX/XX/XXXX to remove an incorrectly assigned flood insurance policy that they have charged me {$4600.00} for, which added an extra escrow charge of XXXX XXXX  monthly to my payment. I acquired my own XXXX  insurance policy from XXXX thru XXXX XXXX in XX/XX/XXXX, covering XX/XX/XXXX- XX/XX/XXXX. I've repeatedly called and explained to the customer service department, insurance, escrow and loss mitigation. I've sent them my receipt and my policy pages repeatedly, been repeatedly reassured they've received the documents and to call back in a week for an update at least XXXX  times, only to be told they have no records, notations, actions anything to report regarding this very expensive and unnecessary program due to THEIR error. I paid the incremental escrow fee in XXXX and XXXX, and they have " credited '' my mortgage account the {$700.00} overpayment ( even tho they repeatedly promised they would refund me the cash, since I paid in cash, but my XXXX payment, which they show as still pending, still reflects the {$380.00} excess escrow charge, and a {$69.00} late payment fee ( again, their ERROR ). They have even finally sent me a letter stating that they have rectified the policy confusions as of XX/XX/XXXX. 
I need them to accept the correct payment or XXXX I remitted via check, credit off the {$69.00} late fee and refund me in cash the unnecessary excess {$700.00} in cash I paid them in XXXX and XXXX, or at least apply it to my most current mortgage payment. 
An aside, their customer service department is terrible. I had to explain to XXXX of their reps the entire concept of " escrow, '' and on my most recent attempt to get them to figure our their own error, as admonished for my language ( I used " XXXX '' ) by a very rude attendant - this is after an estimated XXXX hours on the phone with them across XXXX  months!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-03 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: LA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/informations reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/informations reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-03 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Equifax Credit Bureau Address City, State ZIP RE : Follow up Recently, I disputed inaccurate accounts reporting on my credit report that your bureau maintains.I received a response stating that the accounts were verified. 
I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 
I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Per the FCRA you are required to provide this information within XXXX days or delete the negative items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not receive a demand letter from debt collector. Even if they used an old address, they may be violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires debt collectors to provide a specific written notice within XXXX days of their initial contact, including the amount of the debt and your right to dispute it. My sevicer was XXXX and all knformation was correct and up to date. My loans moved to XXXX and my account info somhow reverted to my XXXX address which is almost XXXX years out of date. XXXX had my old address on file before I updated it on XXXXXXXX XXXX XXXX. I was never given a demand letter or phone call. I have disputed the collections as I have the right to be informed under the FDCPA. My credit MUST be fixed. XXXX failure to protect my consumer rights cause my credit to drop from and EXCELLENT rating of XXXX to the XXXX. They damaged my credit while I was in the process of buying a home which I have now lost. ADDITIONALLY, my loans were deferment and somehow increased form XXXX XXXXXXXX to XXXX XXXX. It was my understanding that XXXX interest would be charged while in deferment.

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 2025-05-03 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: FL

Complaint narrative:
I have paid these accounts off and they are reporting XXXX accounts and there were only XXXX. They are also reporting foreclosure except the loans were paid. These were not even mortgages and they were technically listed as lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. This was an an unauthorized use of my credit report. 

XX/XX/year> I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over XXXX  days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within XXXX days gives a reason to immediately remove these inaccurate items from my credit report. It has been over XXXX  days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. This was an an unauthorized use of my credit report. 

XX/XX/year> I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over XXXX  days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within XXXX days gives a reason to immediately remove these inaccurate items from my credit report. It has been over XXXX  days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given 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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
A SoFi checking and savings account was opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
recently I check my credit report and I noticed something is incorrect, and this is hurting my ability to obtain fair credit. 

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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested several times a debt validation and the company has not provided a debt validation. I have requested this with the assignment contract, according to XXXX vs XXXX this is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XX/XX/XXXX did not authorize this inquiry. XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize this inquiry XXXX XXXX XX/XX/XXXX did authorize this inquiry.. The following companies place an inquiries on My XXXX XXXX XXXX report with out My prior Authorization. Please remove these inquiries because they have violated my right For privacy and protection against unlawful use of my social and personal information. Capital oneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have put my credit at risk for bad credit. Please have XXXX XXXX XXXX XXXX remove these inquiries. Thank You for your rapid response to my plea for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint to formally request that the Consumer Financial Protection Bureau investigate and, if appropriate, issue enforcement penalties against PNC Bank, N.A. for what appears to be a systematic violation of the federal Expedited Funds Availability Act ( Regulation CC ). 

On XX/XX/year>, I deposited XXXX cashiers checks ( totaling {$19000.00} ) into my PNC checking account. That evening, PNC placed full holds on both checks for seven days, despite the fact that : XXXX ) These were guaranteed instruments from XXXX financial institutions ; XXXX ) No part of the deposit was made immediately available ; XXXX ) The hold was placed after the deposit, and no detailed cause was provided ; XXXX XXXX Customer service confirmed that the fraud team was responsible and unreachable by customers. 
XXXX ) The PNC representative acknowledged that the hold was based on unspecified internal analysis and that no direct recourse was available to me other than waiting for a review with no clear process or accountability. 

I believe this reflects a system-wide practice at PNC, where : 1 ) Legitimate cashiers checks are delayed without individualized risk assessment ; 2 ) Customers are stonewalled by internal departments and denied access to legally protected funds ; 3 ) PNC is systematically violating Reg CC , delaying guaranteed payments under the guise of fraud risk without proper justification. 
XXXX ) This not only harmed me potentially causing delay fees and disruption but also reflects a broader risk to consumers relying on secure payment instruments. 

I respectfully request : XXXX ) A formal CFPB investigation into PNCs cashiers check hold practices ; XXXX ) That civil penalties be issued if violations are found ; XXXX ) That PNC be required to publicly clarify its funds availability policy and ensure its practices are in full compliance with Reg CC ; 4 ) That CFPB consider this incident as indicative of a larger pattern that may affect thousands of consumers nationwide.

Attached to this complaint are copies of the deposit receipt, email notifications of the holds, and a chat transcript with PNC staff confirming the internal placement of the hold. 

Thank you for your attention and oversight. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: CA

Complaint narrative:
I took out student loans with Sallie Mae between [ insert years, e.g., XXXX ] to attend the XXXX XXXX XXXX XXXX. I was misled by the school about the total cost of attendance and was pressured to take out loans without clear disclosure of the terms or repayment responsibilities. My tuition was approximately {$70000.00}, yet I now owe over {$90000.00} to Sallie Mae alone. 

I recently discovered that Sallie Mae disbursed loans for a fifth year of school I never consented to or signed paperwork for. This fifth year was not part of my enrollment agreement and does not appear in my official transcripts or financial aid documentation. I have email evidence from the school showing they charged me this extra amount fraudulently. 

I requested loan documents from Sallie Mae to better understand how this happened, and while I received some paperwork, it did not clarify how or why so much was disbursed. I believe these loans were issued under deceptive and predatory conditions and should be reviewed for discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CT

Complaint narrative:
For continually refusing to fix my credit report after numerous requests and having smoking XXXX evidence. A fully executed document done make any previously reported late payments void and needing to be deleted as a result of loan modification that rewrites previous account history and terms. I want {$50000.00} from XXXX XXXX XXXX  for continually refusing to fix the incorrect information. 

1. I received a response here in attachment from Trans Union about XXXX XXXX deleting all late payments. I have enclosed that response to Consumer Finance Protection Bureau ( CFPB ) in attachments herein. 

The loan number XXXX needs to have all late payments removed immediately

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