vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I submitted a total payment of {$20000.00} on XX/XX/XXXX. At that time, my total loans with Mohela were {$20000.00}. The payment only applied to XXXX of my loans and left an overpayment amount of {$9500.00}. 
In XX/XX/XXXX, I asked if the overpayment would be distributed to my other loans, and the representative told me it would apply to my other loans on XX/XX/XXXX. I made an additional payment of {$55.00} on XX/XX/XXXX so that I would not miss the payment date, and I believed I would receive a refund of it and the original, since that is what Mohela had informed me. 
Since that overpayment had not been distributed, I applied for a loan consolidation, which was processed by XXXX and showed I had a XXXX balance in total loans. However, on my Mohela page, I still had two unpaid loans remaining. 
I reached out to Mohela again in XXXX of XXXX to request a refund of the overpayment. Instead of refunding me, they finally applied the overpayment to my remaining loans, which were then marked as having a {$0.00} balance on XX/XX/XXXX. However, on XX/XX/XXXX, the loans reappeared in my account with a balance of {$9600.00} due to accumulating interest since XXXX. 
My remaining loans of {$9600.00} should have been paid off on XX/XX/XXXX, when Mohela received my full payment for all my loans. Mohela has held on to the remaining {$9500.00} for over 9 months until they finally refunded me {$9500.00} on XX/XX/XXXX, almost ten months after they were supposed to automatically per their overpayment policy.

However, now my total remaining balance is {$9700.00} due to the accrued interest, while Mohela refused to process my payment, which means my refund no longer covers the loan amount despite me overpaying by {$110.00} ( I sent in {$56.00} over the total loan amount in XXXX and made a monthly payment of {$55.00} in XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: FL

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 Services , 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 XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, On XX/XX/year>, I filed a complaint ( Case # XXXX ) with the Consumer Financial Protection Bureau against Citibank for its seizure of {$76000.00} I had on deposit with the organization. Citibank replied to your inquiry regarding the case on XX/XX/year> with a copy of an email their Executive Response Unit had sent to me as their statement on the matter. In that statement, they informed you and me that they would continue to hold my money for the period of 45-60 days, at which time my money would be sent to me. This appeared to be the resolution to Case # XXXX. I filed my response, stating that I would wait for the period to expire and for my money to be returned to me. 
On XX/XX/year>, I called Citibanks customer service line to inquire about the reviews end and when I should expect my money returned. The representative taking my call, forwarded me to the fraud team, who acknowledged the expiration of the 60-day period was indicated on my system record, but informed me that no action had been taken yet. The fraud representative placed an escalation on the matter into their system and informed me, a response would arrive within 7-14 days. When I asked why it would still take another 7-14 days, and if that meant we might only expect a response with no action yet, they were unable to help me. That person stated that an escalation procedure invoked a 7-14 waiting period for a response, and when I pressed for added detail, the representative stated that at the end of the period no action was a possibility. 
I called again on XX/XX/year> to see if the escalation might have supplied any results, given the periods expiration and the escalation notice, but none had occurred. Likewise, this representative informed me that no action might be the result at the end of a 7-14 day wait. 
I have researched the matter of Citibanks behavior in my case, and I have found that my circumstance is not an isolated incident with this institution ; it seems that XXXX fraud policy has negatively impacted many people on the order of {$2000.00} to {$5000.00} and more. And, in each case, no explanation was provided for the seizure of their funds, or they received the same bland overarching reference to the client manual just as I had.

It is clear that Citibank has no intention of carrying out the action they communicated to this bureau in XXXX in response to Case # XXXX, so I am appealing for your assistance in this matter once more. And, I request that this case not only be resolved with the complete refund of my money to me, but also that an audit of Citibanks fraud policies and procedures be undertaken, so that no one else is subjected to this malicious brand of behavior. 

Respectfully, 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 monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
Today, Friday the XXXX XXXX. I called in to ask how I can pay. I'm told because its been sent to a foreclosure attorney there are fees involved. You must clearly understand the timeline of events prior to this in order to full understand the picture. Pennymac has no other interest than solely to cause me financial harm and financial abuse me with this move of filling for foreclosure. They called and asked if I will pay or how soon. In my last complaint that you guys oh so ignorantly closed, dead on arrival in my face, disregarded and narcissisticly gaslit me with... I've done my part in all this while Pennymac gets to take me for a ride! On XX/XX/XXXX I did in fact call in and ask for a pay off statement. The selling of my house fell through. The buyers backed out of the deal, they violated the contingency clause of the contract. I did my part in working on getting the funds together to pay Pennymac the {$6700.00} that they wanted. Only to have a letter in my mail stating I owe them {$93000.00} on XX/XX/XXXX. So I called and asked what nobody was able to give me answers too. XXXX was supposed to be my point of contact, only for XXXX which by the way, still refuses to do his job and call me back since that last complaint; ) so with no one to talk to and then cpme XXXX first now all of a sudden I have a statement for a total of {$8200.00} when I was ready to pay the {$6700.00} something due. Now I'm beyond irritated! Pennymac did this deliberately in an attempt to extort me for more money, period end of story! Pennymac sent out conflicting notices and conflicting amounts all while not answering my phone calls or returning them like normal people. Not like XXXX did, call at inappropriate times of the day or just dial in leave a message and never call back again. This was planned, Pennymac did this intentionally and I don't feel I'm responsible for their legal fees. Especially not when they send me conflicting figures, so close together in date and then not answering my phone calls! This was 110 % deliberately done. I would love it if I could write a personal check what I rightfully owe, which is the {$6700.00} as on my XXXX statement reads. I'll send payment for XXXX as well. I firmly believe Pennymac 's sole intent going into this was to financially harm me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I have a XXXX with XXXX XXXX. In XXXXXXXX XXXX XXXX I moved. I updated my account with the new address. They subsequently blocked my account for fraudulent activity because I changed my address. 

They stated they would not remove the block until I sent in proof of identity. I could only send by fax or physical mail, which they apparently never received. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that they decided to close my account. 

I have paid my statement every month on time and typically paid down the entire balance each month, or paid down a significant amount. 

On XX/XX/XXXX I paid my bill over the phone. Nothing was said about my account being closed. I was never notified that the card was closed or in danger of being closed. Ironically, the phone representative today said they sent a warning letter to my new address ( which never arrived ). If changing my address was considered fraudulent-why would they send correspondence to the new address? In other words, if they thought the new address was fake or fraudulent, why would they send information about my account there? 

I believe because they were not making much money in interest because I was paying the balance down each month, they used this as an arbitrary excuse to close the account. 

They advertise themselves as a credit repair credit card company. Thats exactly what I was using them for, to help repair my credit. Which is why I was consistent in my payments and the dollar amount of my payments. I was trying to avoid paying excessive interest fees while repairing my credit. XXXX has extremely high interest rates and I believe predatory business practices. As a consumer trying to rebuild credit with minimal choices on credit cards you have to bite the bullet on high interest fees with subpar banks that take advantage of people. 

I am reporting them for predatory consumer practices, fraud, deceptive advertising. I dare say prejudice against people with bad credit as well. If they were truly there to help repair credit, why the extreme interest rates and the penalties for not only paying your bill on time, but paying it down or completely paying it off each month? Isnt that taking advantage of a subset of the population struggling to improve their financial health?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
ON ( XXXX OF XX/XX/year> ) SOFI BANK RESTRICTED THE ACCESS TO MY ACCOUNT WITHOUT PRIOR NOTICE OR CLEAR EXPLANATION.I WAS INFORMED BRIEFLY BY EMAIL AND ALSO WHILE ATTEMPTING TO ACCESSING MY SOFI ONLINE ACCOUNT.THE RESTRICTION HAS PREVENTED ME FROM ACCESSING MY FUNDS AND PAYING MY BILLS AND TRANSFERRING MONEY TO MY LOVED ONES, RESULTING IN LATE FEELS AND MISSED PAYMENT AND MANY FINANCIAL HARDSHIP ALREADY. 
I HAVE CONTACTED SOFI BANK OVER XXXX TIMES ALREADY ALL THROUGH YESTERDAY AND TODAY WHICH WAS THE XXXX OF XXXX VIA PHONE CALL TO THERE SECURITY DEPARTMENT AS THEY REQUESTED TO SEEK CLARIFICATION AND RESOLUTION.THE RESPONSES I RECEIVED WAS VERY VAGUE AND VERY UNHELPFUL.SO FAR SOFI BANK HASN'T PROVIDED A CLEAR REASON FOR THE RESTRICTION NOR HAVE THEY OFFERED A TIMELINE FOR RESTORING ACCESS TO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
inquires on credit report that i did not autherize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of 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 2025-07-18 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: LA

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of 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 2025-07-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because the credit bureaus TransUnion, Experian, and Equifax continue to report inaccurate and unauthorized information on my credit reports, despite prior disputes. 

First, there is an account from XXXX XXXX XXXX marked as Paid Repossession which was fully paid and closed months ago. I previously disputed this entry, but the bureaus failed to correct or remove it. According to FCRA 611 ( 15 U.S.C. 1681i ), they are required to investigate and delete unverifiable or inaccurate information. Their inaction is a violation of my consumer rights. 

Second, there are multiple hard inquiries from auto dealerships and lenders dated from XXXX to XX/XX/year> that I did not authorize and that did not result in any credit relationship. These include XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, among others. Under FCRA 604, such inquiries require explicit consumer consent, which I did not give. 

These inaccuracies have harmed my credit score and I am requesting that the CFPB intervene to ensure : Removal of the XXXX XXXX XXXX repossession entry. 
Deletion of all unauthorized hard inquiries from all three bureaus. 
Confirmation in writing that these corrections have been made. 

I have attached my dispute letters, credit report excerpts, ID, and proof of residence for review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief