vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Experian XXXX XXXX regarding the unlawful withholding of my federally protected Social Security XXXX benefits. On or around XX/XX/year>, a one-time payment of {$15000.00} was deposited into my Experian XXXX XXXX account from the Social Security Administration . This was a legitimate XXXX payment, and I have been a consistent user of this account for years. 

Shortly after the deposit, Experian froze my account due to suspicious activity. I immediately submitted all required documents, including my government-issued ID, my SSA benefit verification letter, and screenshots from my SSA.gov account confirming the deposit. Despite full verification and the lawful nature of this deposit, my account remains suspended, and I have been denied access to my funds.

This is causing extreme financial hardship and emotional distress. These are federal funds protected under Regulation E ( 12 CFR Part 1005 ), and Experian has no legal justification to continue withholding them. There are no fraud claims, no overpayments, and no communication justifying this freeze. This is a violation of my consumer rights, XXXX rights, and federal banking regulations.

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 2025-03-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The following hard inquiries were fraudulently placed on my credit file XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 
Again I have never authorized these companies to conduct a hard pull on my credit report. I have already contacted each of these creditors, and they have confirmed that they have no record of any inquiry under my name. As per the FCRA Section XXXX, a consumer report may only be accessed with permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
The following hard inquiries were fraudulently placed on my credit file XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 
Again I have never authorized these companies to conduct a hard pull on my credit report. I have already contacted each of these creditors, and they have confirmed that they have no record of any inquiry under my name. As per the FCRA Section XXXX, a consumer report may only be accessed with permissible purpose.

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 2025-03-24 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: AL

Complaint narrative:
I lost my purse which included my wallet. It also had my personal information inside of my wallet such as my government ID and also my social security card. I have noticed these negative 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-24 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: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-24 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: 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 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 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint against Mariner Finance regarding what I believe to be predatory lending practices. In XX/XX/XXXX, I was pressured into refinancing my loan with Mariner Finance, despite being close to paying off my original loan. I initially did not want to refinance, but I felt coerced into doing so by their representatives. I was not given a full and clear explanation of the new loan terms, and I later realized that the refinancing placed me in a worse financial position.

Additionally, I believe Mariner Finance failed to properly disclose the added loan interest. My original loan amount was {$5600.00}, but after refinancing, my loan balance has now ballooned to {$10000.00}. I was not fully informed of how much additional interest I would be paying as a result of the refinance, which has caused significant financial hardship.

After experiencing job loss and homelessness, I reached out to Mariner Finance for assistance, but they were unwilling to work with me. I also had difficulty contacting them regarding my account. Every time I tried, I was unable to reach the representative responsible for my loan. The last time I was able to speak with someone from Mariner Finance was in XX/XX/XXXX. Since then, I have left multiple voicemails and attempted to call again in XXXX of this year, but I have not received any response. 

I believe Mariner Finance engaged in unfair and deceptive lending practices by pushing me into a loan that was not in my best interest, failing to disclose critical loan terms, and providing inadequate communication and support. I am seeking an investigation into their practices and any possible relief for borrowers who have been similarly affected. 

I appreciate your time in reviewing my complaint. Please let me know if you require any additional information or documentation. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: 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 : XXXX XXXX XXXX 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 2025-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Hello, I received a letter dated XX/XX/XXXX with a payment coupon that stated that my escrow account was short {$630.00}. In response later in XXXX, I sent a cashiers check with the coupon provided for {$700.00} to cover the escrow shortage. That check arrived on XX/XX/XXXX. I call SPS customer service letter them know that the payment had been mailed and to apply the XXXX to the escrow shortage. 

I scheduled a payment for XXXX on XX/XX/XXXX that arrived late, XX/XX/XXXX. I received letter showing that my overage of XXXX was applied to the escrow. Called Customer Service again and was told that my payment was XXXX was short because I had sent only XXXX. I had a conversation with a supervisor demanding that they fix it. I explained that all overages were to be applied to principal and that I used the coupon they sent to pay the escrow shortage. He said the accounting department applied it to my payment. To that I asked what was the purpose of sending the coupon if they weren't going to apply the payment properly. 

I demanded that he fix it. My payment isn't considered late until the XXXX of each month. Next mortgage payment was on XX/XX/XXXX for XXXX. Again more than my mortgage payment. I called and sent an email on XX/XX/XXXX that all overages were to be applied to principal only. Payment of XXXX paid XX/XX/XXXX, The letter I received about the shortage stated that if I didn't pay it, my mortage would be increased by XXXX. I received a mortgage statement today and my mortage payment has increased from XXXX to XXXX. 

Can they be penalized since my loan was a FHA loan. I called them quite angry because my mortgage had increased inspite of paying the shortage. I asked that my mortgage payment be returned to XXXX. I haven't received an accounting of how my payments were applied because my principal hasn't really decreased either. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, My mortgage company ( https : //www.mrcooper.com ) paid my property taxes for XXXX  XXXX  in the amount of XXXX, simultaneously my wife also paid the same tax bill for the same amount. 

In XXXX the XXXX was returned to Mr. Cooper and added to my escrow account. On XXXX there was a check in the amount of XXXX returned to me, however this check never arrived ( my wife has called multiple times asking for information and was repeately told that they would not return this money. ) On XX/XX/XXXX, I started a webchat with the company about this issue and was told they can now send me a check for XXXX but would be keeping the extra amount as an overage in the account. They have stated that under 1024.17.C.II they are allowed to reserve XXXX escrow payments in the account and would not be returning that overage. 

I showed them on the cfpb website that it states XX/XX/XXXX not XXXX of the amount, and they told me that the website is wrong and would not be returning the overage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/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 2025-03-24 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: MI

Complaint narrative:
I've never had a loan of any kind with this company they are reporting g on my credit report as a bad loan. I want it removed! 

POSSIBLE FINANCIAL XXXX XXXX XXXX XXXX XXXX, NV XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I am XXXX yrs old and received a gift card for XXXX. I tried to use balance on card at XXXX XXXX on XX/XX/year>. Th card was rejected. I put purchase on credit card. My balance on gift card was {$69.00} + change. When I got home I check gift card balance and there were XXXX charges in small amounts I did not make. I turned in a dispute immediately. On XX/XX/year> I received a denial with no reason for denial and was told case closed. I called and XXXX XXXX XXXX said I hate send a request via email. So I sent XXXX request and they will not respond. 

I just want my balance of {$69.00} plus change as it is mine and was a gift. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I have previously filed a form to State Collection Agency informing them that none of these amounts reflect any of the co-pays of my plan. 

My healthcare plan since XXXX  is a {$0.00} deductible XXXX XXXX XXXX with the following co-pay amounts : {$20.00} office co-pay {$50.00} XXXX co-pay {$75.00} urgent care co-pay. 

I have told them to please confirm the amounts of {$500.00} and will not be entertain paying an amount not reflective of any co-pay on my plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TN

Complaint narrative:
TransUnion is inaccurately reporting charge-off accounts on my credit report, despite multiple disputes and clear evidence proving the information is incorrect. The following charge-off accounts are being unfairly reported : XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} | Credit Limit : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4200.00} | Credit Limit : {$4200.00} There are clear inaccuracies in these reporting items : Other major credit bureaus have already deleted these accounts due to a lack of substantial proof to verify their accuracy. This raises concerns about TransUnions failure to conduct a thorough and fair investigation.

Charge-off accounts should not be reporting a credit limit, yet both accounts still display credit limits. This is a clear violation of accurate reporting under the Fair Credit Reporting Act ( FCRA ). 

These errors have severely impacted my financial situation, including my ability to secure a mortgage loan and access new lines of credit. TransUnions failure to correct these inaccuracies has caused unnecessary financial and emotional distress. Under 15 U.S.C. 1681n, I have the right to hold them accountable for willful noncompliance. 

I am requesting that TransUnion immediately remove these inaccurate charge-off accounts from my credit file.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
Hello, We created an account with US Bank. Their online portal did not work so I reached out to customer support to try and get my account working. They were unable to get the account working and so we sent through this step multiple times over a few months. I decided to just pay off the principal balance and close the card. When trying to do this they wanted to charge interest and fees for the months that their system would not recognize my account. They refused to drop these charges because they said I could have gone and paid the bill in person ( over an XXXX XXXX away ) or paid over the phone however their phone system was on a broken loop trying to get ahold of somebody because my account was not active due to the previously mentioned issue. They said I could have paid by mail but once again I did not trust this as the account was not properly active. I have explained all of this to US Bank I have paid the full principal balance off and now they refuse to close the account and continue to charge me more interest every month.

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 2025-03-24 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: FL

Complaint narrative:
I disputed an inaccurate XXXX account on my credit report with TransUnion on XX/XX/year>. After their investigation, they deleted the account on XX/XX/year>. However, on XX/XX/year>, I discovered that TransUnion had reinserted the same account without notifying me and without providing any written certification of its accuracy, as required under the Fair Credit Reporting Act ( FCRA ).

This reinsertion violated multiple sections of the FCRA, including : Section 611 ( a ) ( 5 ) ( B ) : No written certification or 5-day notice was provided. Section 611 ( d ) : I was never informed of the reinsertion. Section 623 ( a ) ( 3 ) : The inaccurate information was not corrected or updated.

Section 607 ( b ) : TransUnion failed to maintain procedures for maximum possible accuracy.

These actions have caused significant harm, including a drop in my credit score, stress, wasted time, and a negative impact on my ability to secure a mortgage for my family.

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