vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: CO

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: GA

Complaint narrative:
I called Mohela on XX/XX/year> @ XXXXXXXX XXXX  to seek my payment options. The representative after asking how much I make a month and the number of people Im responsible for. Then gave me only two options that were above my monthly income amount I can afford at this time. She said there was nothing lower. I then asked for a supervisor she said I would have to answer a breakdown of my bills and get a soft pull on my credit JUST to speak to a supervisor! A soft pull on my credit where this loan is already affecting is absurd! I attempted to settle with payments that are feasible for me instead they want to accept what they feel you can afford and In todays economy thats nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has been arbitrarily abusing me as a consumer for years. I have paid all my accounts responsibly and one day they canceled my accounts for no reason, and kept me out of online access, while adopting several abusive billing techniques to force more interest on my open balances.

First, when I had 2 account they continue to apply my additional payments to the lower interest account instead of the one I sent the payment to.

At some point they kept up to {$3000.00} on additional payment not applied and after months returned those to me because they " could not '' ( it was impossible for them ) to move the payment to the intended right account and out of the whatever wrong account of their choosing. This in an easy internal adjustment any company on this technological era can do.

I tried sending additional payments via online payment, by mail using their voucher for the right account, calling to make payment on the phone and they will always applied any additional payments to any other account, even a closed account, now that only one remains with balance.

I thought they were extremely incompetent, but now I'm sure it's targeted. For some reason they decided to placed me on some punishable list, who knows why, maybe discriminatory, who knows.

My last attempt to get this over with was to call and asking them to increase the minimum auto-payment, since that seems to be correctly applied every month, I requested to change the auto-payment to a larger amount to pay it faster, and even though they are withdrawing the money on top of the minimum auto-payment, they are again not applying the additional payments to my account. They did not increase the minimum auto-payment " as I asked on a recorded call '', but rather created another additional which will not get applied to my account, and kept for months before returned to me when I call and complain.

Lastly, additionally to blocking any effort on my end to paid these accounts faster, they have increased my interest after every auto-minimum payment to apply as little as possible to my actual debt and keep this balance growing for as long as they can, costing me as much as they can possibly add to my account.

It has taken me a long time to realized this is all intentional and designed, and not accidental at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
b'I have been emailing calling XXXX for the last 4 1/2 years, they keep sending me to the menu asking me my Social Security number and my account my Social Security number. Every time they turn me away and tell me, I dont have an account with them. Each year my credit score has progressively gone down and I havent been able to file a dispute with Experian they say its not an issue. Ive been contacting them weekly for the last four years and they say they havent heard a complaint yet. It has been ruining my credit, and I can pay the balance in full. It has considered my ability to apply for a mortgage, and I am stuck living in circumstances that are far below the standard. I need to be successful. Theyre ruining my credit score and my abilities. Theyre constantly turning away and telling me I dont have an account, I get charged And I get negative impact on my credit score, such that I cannot fix. Its been that long. Ive spoke with people on the phone and they hang up the phone and tell me that I dont have an account and they cant help me. I would take action and Sue, with my lawyer. But it is the federal government and I keep getting the runaround so here I am contacting you again, asking for this to be rectified.'

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 2025-04-16 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: AZ

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CO

Complaint narrative:
I am pursuing Public Service Loan Forgiveness and have made XXXX qualifying payments, including during the pandemic forbearance period which the Department of Education stated would count toward PSLF. I worked full-time for qualifying employers from XXXX and submitted employment certifications through the PSLF Help Tool. 

In XXXX, I was told I qualified for forgiveness. However, as of XX/XX/XXXX, my loans have not been discharged. I also discovered an IDR application was submitted on my behalf without consent, which may have affected my PSLF count. I contacted my servicer ( Edfinancial ) but was told conflicting information about my forgiveness status and the impact of the forbearance months. I also submitted a complaint to the Department of Education, but it was closed without resolution or clear explanation.

I am requesting a review of my PSLF eligibility, confirmation that the pandemic forbearance months were properly credited, and immediate processing of the forgiveness I qualified for in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Experian ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-04-16 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have face multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have been a verified Robinhood user since XXXX. On or around XX/XX/XXXX, my brokerage account with Robinhood was suddenly restricted without warning. I was informed that my account was under review and would be reinstated by XX/XX/XXXX. However, each day since, the restriction has been extendedfirst to the XXXX, then the XXXX, XXXX, and now the XXXXwithout explanation or resolution. 

I have complied with all identity verification requests, including uploading a recent bank statement, the front and back of my government-issued ID, my Social Security number, a selfie, and confirming the same phone number and email address Ive had on file with Robinhood since XXXX. Despite this, my access remains blocked. 

I initially attempted to transfer XXXX from Robinhood to my XXXX account for an investment opportunity. After several days of delay, I converted the XXXX back to XXXX  in hopes of withdrawing it to my verified and long-linked external bank account. That transfer was also denied. 

I have contacted Robinhood support by phone at least XXXX times. Each time, I received vague responses like your account is still under review, with no timeframe or explanation. XXXX representatives even disconnected the call while I was attempting to explain the urgency of my situation. I have not been informed of any fraud, suspicious activity, or issue on my account. 

This restriction has left me with only {$3.00} in my bank account. I am currently unemployed, facing mounting late fees, disconnections, and overdue bills. Most critically, I have children to provide for. In addition, I lost out on a time-sensitive investment opportunity due to the inability to access my legally owned funds. 

I respectfully ask that the CFPB investigate this ongoing and unexplained account restriction, Robinhoods failure to communicate transparently, and the companys apparent disregard for consumer hardship. I am prepared to provide all supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: FL

Complaint narrative:
I am submitting this complaint in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, and/or reported without proper documentation or permissible purpose.

These reporting practices violate federal regulations, damage my credit reputation, and hinder my financial stability.

Disputed Items Collections XXXX XXXX XXXX {$740.00} | Acct # : XXXX XXXX XXXX XXXX {$390.00} | Acct # : XXXX XXXX XXXX XXXX {$300.00} | Acct # : XXXX XXXX XXXX XXXX ( XXXX ) {$630.00} | Acct # : XXXX Closed Accounts XXXX XXXX XXXX XXXX {$29000.00} | Acct # : XXXX Hard Inquiry XXXX XXXX XXXX Unauthorized/No permissible purpose XXXX XXXX XXXX Unauthorized/No permissible purpose XXXX XXXX XXXX Unauthorized/No permissible purpose Violations of Federal Law 1.15 U.S.C. 1681 ( Section 602 ( a ) ) Ensures the right to privacy and accurate reporting for consumers.

2.15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent.

3.15 U.S.C. 1681c ( a ) ( 5 ) Restricts inclusion of outdated or adverse information beyond reporting time limits.

4.15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate.

5.Metro 2 Standards Require full compliance in data formatting, accurate account status reporting, and proper substantiation of derogatory claims.

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