vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year>

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 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I haver a XXXX XXXX XXXX. I have been always very responsible with finances and pride myself on keeping a high credit profile. My personal loan was issued on XX/XX/XXXX. I have the loan XXXX XXXX  paid off. I have NEVER had a late payment until my employment issue arose this year. As soon as I realized I was in trouble, I enrolled in a hardship assistance program with XXXX on my personal loan in XX/XX/XXXX. They only offered me XXXX XXXX  of reduced payments. Due to ongoing financial hardship, I requested another payment plan or modification. XXXX informed me that I am not eligible for any further assistance for XXXX year after the prior plan, and they have no way to help, and will send to collections and will charge off the loan. 

Despite explaining that my financial situation has worsened due to company restructuring, they refused to offer any additional support or escalation path. I am seeking help to avoid delinquency and keep the loan in good standing. 

I am requesting that XXXX review my situation again and offer a temporary solution, or allow me to speak with someone who can make an exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I notified Mohela that something was wrong with my student loans. Mohela had taken over the loans per the federal education department. The loans have all been in autopay. Mohela told me they couldnt find me in the system and this was likely because they were trying to transition everything. I finally Found a representative to help and she had to troubleshoot it and a couple months later they could find me but I continue To receive notification for late payment even when Im auto paid. I called Back and the representative told me she could see that I was Paid up to date and that she would put a ticket in. I received notification it was resolved and to ignore the late notifications. This week i received info again. I called and they had my account tied to the wrong address, email, and mid conversation the phone starts with a survey. Now im concerned that someone has potentially stolen my identity or my info is going elsewhere. In XXXX I contacted the ombudsman as well. I have Taken great pride in always paying my student loans and I am Begging for help. I am Beyond frustrated.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear XXXX Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. EDFINANCIAL Account Number : XXXX XXXX. EDFINANCIAL Account Number : XXXX XXXX. EDFINANCIAL Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my 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 2025-06-13 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Escrow account to pay property taxes and homeowner 's insurance was set up and properly funded upon mortgage policy date. Mortgage servicer changed, but homeowner 's insurance provider was notified of change. 

Despite this, the renewal payment for the homeowner 's insurance policy was not properly executed by the mortgage servicer. The payment was sent for the incorrect amount, and the payment was rejected. The mortgage company was " unable '' to submit a revised payment in a timely manner, leading to an imminent lapse of the insurance policy. I, as the homeowner, was required to pay a percentage of the insurance premium out of pocket to keep the policy in place until the revised payment could be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XXXX INQUIRIES : XXXX Date 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 2025-06-13 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-06-13 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: FL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I am formally disputing the presence of unsubstantiated claims and inaccurate information in my credit report.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX Data Reporting Standards, I challenge the reportability of any item that lacks factual, verifiable evidence. If you can not prove the accuracy, completeness, timeliness, and permissible purpose of an account or inquiry, you have no legal basis to continue reporting it. 

I request immediate deletion of the following : Accounts being challenged : 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 XXXXXXXX You have willfully reported unverifiable and inconsistent data. To retain your conditional privilege to report consumer data, you must meet the minimum standards of XXXX XXXX compliance as required by the CDIAs Credit Reporting Resource Guide ( CRRG ). The CRRG clearly states that any deviation from these standards jeopardizes the integrity of the data.

Additionally, I dispute the following personal information as inaccurate and unverifiable : Employer Name : XXXX XXXX This personal information is not consistent across all three bureaus and was reported without proper reinvestigation, in violation of 15 U.S.C. 1681i ( a ). Your failure to ensure accuracy also violates 15 U.S.C. 1681e ( b ).

This file has been affected by the Equifax data breach, and I have reason to believe your continued reporting contains data errors stemming from compromised sources. If you can not validate this data under the standards required by law, you must DELETE it. 

Provide all physical documentation verifying the existence, accuracy, and permissible use of these entries. If you are unable to do so, DELETE them immediately and send confirmation along with an updated copy of 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 2025-06-13 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: NY

Complaint narrative:
I am formally disputing the presence of unsubstantiated claims and inaccurate information in my credit report.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX Data Reporting Standards, I challenge the reportability of any item that lacks factual, verifiable evidence. If you can not prove the accuracy, completeness, timeliness, and permissible purpose of an account or inquiry, you have no legal basis to continue reporting it. 

I request immediate deletion of the following : Accounts being challenged : 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 XXXXXXXX You have willfully reported unverifiable and inconsistent data. To retain your conditional privilege to report consumer data, you must meet the minimum standards of XXXX XXXX compliance as required by the CDIAs Credit Reporting Resource Guide ( CRRG ). The CRRG clearly states that any deviation from these standards jeopardizes the integrity of the data.

Additionally, I dispute the following personal information as inaccurate and unverifiable : Employer Name : XXXX XXXX This personal information is not consistent across all three bureaus and was reported without proper reinvestigation, in violation of 15 U.S.C. 1681i ( a ). Your failure to ensure accuracy also violates 15 U.S.C. 1681e ( b ).

This file has been affected by the Equifax data breach, and I have reason to believe your continued reporting contains data errors stemming from compromised sources. If you can not validate this data under the standards required by law, you must DELETE it. 

Provide all physical documentation verifying the existence, accuracy, and permissible use of these entries. If you are unable to do so, DELETE them immediately and send confirmation along with an updated copy of 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 non-monetary relief
Consumer complaint received 2025-06-13 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:
I deposited a variety of checks the XXXX checks were placed on a ridiculous hold. so I proceeded to cash them with another online banking. then on XX/XX/year> I recieved a check from my uncle, after the day passed and the hold was lifted they wanted more verification. I had my uncle call and they did a 3 way call with his bank to verify the check. after my uncle verified the check the money was made available. when I stepped into the branch they said I had to wait another day while a customer service agent said that was false and my funds were available. so after this I just felt discriminated against. but I gave them the benefit of the doubt because XXXX branches told me the same thing. both branches these pic branches were located in XXXX XXXX XXXX XXXX, NJ XXXX and the second one was, XXXX XXXX XXXX XXXX XXXX, NJ XXXX the next day I went to take the money out they said they needed more verification or time to wait for it to clear after leaving the branch and seeing my age and skin color they restricted my account. I waited XXXX weeks to this date which is XX/XX/year>. and nothing my online banking is still frozen. I stepped into the branch with my uncle in XXXX XXXX New Jersey they made us wait 3 hours and told us they needed time for the check to clear. I have a recording of the whole thing and them saying they can't give me my money or return the money to my uncle which at this point is keeping the money hostage. please help me guys this money is for my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I stayed at XXXX XXXX XXXX in late XX/XX/XXXX. My hotel XXXX states charges of {$2300.00}. The hotel XXXX shows XXXX payments made on my XXXX card- {$1700.00} and {$580.00}, total paid of {$2300.00}, bringing my account balance to zero ( see attached XXXX from hotel ). 

My card statement from XXXXXXXX XXXX XXXX  Card XXXX in XXXX showed XXXX charges for this XXXX : {$1700.00} XXXX time, a second {$1700.00}, and {$580.00}, totaling {$4100.00} paid. I contacted Barclays and reported the duplicated payment of {$1700.00}. A credit was issued to my account by Barclays XXXX XX/XX/XXXX. 

XXXX 's, on XX/XX/XXXX, reversed the credit and the duplicate {$1700.00} charge reappeared on my card. Upon review of my XXXX statement, I noticed the charge had been reestablished and I called XXXX 's on XX/XX/XXXX to inquire why the credit reappeared. The agent claimed that XXXX 's had received support from the XXXX that supported the reason why the duplicate charge was reestablished. I made the agent aware that there must be an error and I asked for such documentation be sent to me. When I received the documentation, it did not support the Bank 's position at all. 

I called Barclays again, only to be advised that the case was closed and there is nothing that could be done. On XX/XX/XXXX I wrote a letter to XXXX 's again explaining the details and asking that they reopen the case to resolve the matter that I have been overcharged by {$1700.00}. 

I contact XXXX XXXX XXXX accounting department, spoke to the accounting XXXX XXXX XXXX, who stated that their records show only {$2300.00} was received from Barclays and they do not have record of ever receiving the additional {$1700.00}. See their reply email dated XX/XX/XXXX. 

In a letter dated XX/XX/XXXX, Barclays again advises that they " remain unable to further pursue '' this case and directs me to pursue issue with merchant ( which I have already ). 

I am stuck between a merchant who claims to have not received the duplicate payment and a XXXX  card company that states everything is proper and will not investigate further. XXXX 's has not given me a proper explanation why they feel it was appropriate to reestablish the XXXX charge. 

As a consumer, I am hoping the CFPB can help me find out who has my {$1700.00}. I have been charged and have paid {$1700.00} XXXX times -- XXXX legit and XXXX duplicate. 

What can I do from here? Please help!! 

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