vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
investigation did not fix an error 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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Car Credit Inc
State: MO

Complaint narrative:
I am filing a complaint against The Big Lot Car Credit INCXXXX XXXX XXXX XXXX a buy-here-pay-here dealership located in XXXX  XXXX, Missouri, for unlawful and XXXX XXXX practices XXXX 

XXXX and Background : Due to an unpaid XXXX leave, I fell behind on my auto payments by approximately XXXX months. While I understand my account was delinquent, the actions taken by the lender and its repossession agents were unlawful, abusive, and predatory. 

Unlawful XXXX XXXX : On XX/XX/year> at XXXX ; XXXX AM, repossession agents arrived at my XXXX daughters high school. They demanded that she leave class and surrender the car keys. They threatened that if she did not provide the keys, they would damage the vehicle attempting to tow it, which would result in additional costs to me. This threat constitutes intimidation and coercion. 

School staff, including the school principal and the XXXX XXXX XXXX, became involved due to the seriousness of the incident. My minor child was placed in a traumatic and unsafe situation because of the lenders actions. 

Violations : - Intimidation and threats of property damage - Involving a minor in repossession activity - Trespassing on school property to conduct repossession - Deceptive, unfair, and abusive acts and practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Beginning XXXX XXXX I made numerous payments to Mohela regarding my Parent Plus Loan that were never credited to my account. The total amount paid on my loans was {$3100.00}. When I first contacted Mohela, they said my account number had changed, they opened up an inquiry case into the missing payments, and I was told I would be notified when the payments were applied. After several weeks and no communication and no adjustment to my account, I again contacted Mohela. In total, I have contacted Mohela five times regarding this matter and spent well over twelve hours on hold trying to resolve this. Each time I contact them I am told the information I am sharing will be added into my account case notes. However, every time I speak with a representative I have to start over from the beginning and I make no progress. After my fourth call to Mohela, I provided them with a spreadsheet that included payment date, payment amount, and XXXXXXXX XXXX confirmation number, per their request. I never heard anything from them so when I called back, now my fifth conversation with them, they requested I upload that information again and we were right back to square one. My fifth and final call with Mohela, they told me an official inquiry would be opened that could take up to 120 business days. I have attached to this email the spreadsheet that I provided to Mohela on two different occasions. The total amount of payments that were made and never credited is {$3100.00}. The payment dated XXXX for {$54.00} was returned to XXXX XXXX as undeliverable so the total amount of money unaccounted for is {$3100.00}. I was told by Mohela that all of these payments would be refunded to XXXXXXXX XXXX  when the 90 day period expires if they are not applied to the account. With the exception of that one payment, all are passed that 90 day period and only one payment has been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Transunion under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity XXXX Report and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within XXXX ( XXXX ) business days. 
Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 
As a result, my XXXX XXXX remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

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 2025-08-21 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: EQUIFAX, INC.
State: AL

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. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Lendbuzz Inc.
State: PA

Complaint narrative:
I XXXX XXXX put down {$18000.00} and {$10000.00} dollars on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XX/XX/XXXX of XXXX. 
My truck got stolen XX/XX/XXXX of XXXX from in back of my house by a white tow truck. 
I was told that Lend Buzz had taken my truck on a repossession from unpaid car notes. 
When I contacted Lend Buzz I was told they didnt take my truck and that I was up to date on ALL my payments and that I should report my truck stolen. 
After going to the police multiple times I was told that my truck was repossessed by Lend Buzz.

I bought the truck from XXXX XXXX. 
LendBuzz is responsible for the repossessing of my truck and I am owed {$18000.00} and {$10000.00} dollars for my truck. 
They stole my truck! And trying to keep my money! 
They are saying they didnt steal my truck that is a lie. 
They are responsible for my truck being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
I already filed a previous complaint with CFPB ( Case # XXXX ). 
The issue is still unresolved. XXXXCheckr sent me a XXXX link to update my SSN, but the link did not work and no one has provided a working link despite multiple requests. 
I am attaching my previous complaint confirmation and supporting screenshots for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I recently reviewed my credit reports and found multiple accounts reported as collections that I do not recognize, authorize, or owe. These accounts were opened without my knowledge or consent and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX reported with alleged balances of {$700.00} and {$650.00}, with opening dates of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX ( XXXX ) reported with an alleged balance of {$1000.00}, opened on XX/XX/XXXX, original creditor listed as XXXXXXXX XXXX 

XXXX XXXX XXXX reported again with alleged balances of {$700.00} and {$650.00}, tied to XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX, with opening dates of XX/XX/XXXX and XX/XX/XXXX. 

I never applied for, opened, or authorized these accounts. I have already filed an Identity Theft Report with the FTC and am requesting that these fraudulent accounts be removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 recently reviewed my credit reports and found multiple accounts reported as collections that I do not recognize, authorize, or owe. These accounts were opened without my knowledge or consent and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX reported with alleged balances of {$700.00} and {$650.00}, with opening dates of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX ( XXXX ) reported with an alleged balance of {$1000.00}, opened on XX/XX/XXXX, original creditor listed as XXXXXXXX XXXX 

XXXX XXXX XXXX reported again with alleged balances of {$700.00} and {$650.00}, tied to XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX, with opening dates of XX/XX/XXXX and XX/XX/XXXX. 

I never applied for, opened, or authorized these accounts. I have already filed an Identity Theft Report with the FTC and am requesting that these fraudulent accounts be removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed inaccurate accounts on my credit report that are reporting negatively

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 2025-08-21 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: AL

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.

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 XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-21 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: IN

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies and unauthorized entries on my credit report that have caused significant financial and personal harm. These entries include wrong addresses, falsely reported charge-offs, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate information and require credit reporting agencies and furnishers to correct or remove information that can not be verified. These repeated violations demonstrate negligence, disregard for consumer rights, and a direct threat to my creditworthiness. Immediate correction and investigation are demanded. 
XXXX XXXX XXXXXXXX High Balance : {$27000.00} Date Opened : XX/XX/year> Issue : Charge-off Law : FCRA 1681i ( a ) Right to dispute inaccurate information Story : This account was incorrectly reported as a charge-off. I dispute this as inaccurate, and the continued misreporting violates my rights under the FCRA. Failure to investigate or correct such inaccuracies demonstrates negligence or willful disregard. 
Closing Statement : The cumulative effect of these incorrect addresses, charge-offs, and unauthorized inquiries has caused substantial damage to my credit, financial stability, and personal well-being. I demand an immediate and thorough investigation, correction, and removal of all inaccuracies under FCRA 1681, 1681i, 1681s-2. Failure to act will leave me no option but to escalate this matter to regulatory authorities and pursue legal remedies. I request written confirmation of all corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper, my mortgage servicer, failed to pay my hazard insurance from my escrow account. This resulted in the cancellation of my insurance policy that was through XXXX XXXX XXXX XXXX. I was notified of this cancellation by the insurance company five days after cancellation. The insurance company has no grace period on payments and no longer writes new policies in my state.

The insurance provider sent the renewal bill to Mr. Cooper and was grandfathering me in ( continuing to write me a renewal policy even though they do not write NEW policies in my state ). This required me to seek insurance elsewhere, which I immediately did. I obtained a new policy that was in effect the same day I received the cancellation letter from the prior insurance company. 

The new insurance policy I was able to obtain costs me roughly {$350.00} more per year with a drastically high 13 % deductible for wildfire damage. My prior policy had the standard deductible for wildfire damage ( i.e., {$2500.00} ). Additionally, I was only able to obtain a policy from a " nonadmitted '' or " surplus line '' insurance company. This subjects me to potential loss of a claim if the insurance company became insolvent, i.e., during a massive wildfire situation.

Mr. Cooper claims they are charging me {$26.00} for the five day period when I had no insurance in addition to my higher premium.

I have been trying to resolve the issues of the additional charges and reinstating my old insurance policy via Mr. Cooper with no success over the past one and a half months. I have discussed this with their insurance team multiple times and receive the same response. They fail to acknowledge the new policy is more expensive ; even though they paid the higher amount of about {$350.00} over my prior premium.

Company response to consumer: Closed with explanation