vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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:
Could you review this entry for errors? It was written late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

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 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 2025-12-18 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: EQUIFAX, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I filed for Chapter XXXX bankruptcy in [ year ] due to financial hardship. At the time of filing, my federal student loans were enrolled in a low-income / income-driven repayment ( IDR ) plan. 

I understand that federal student loans are generally not discharged in Chapter XXXX bankruptcy. However, the accounts were still required to be reported accurately during and after the bankruptcy process. 

After my bankruptcy filing and discharge : My federal student loan accounts continued to report late payments and/or delinquent statuses despite being in a low-income repayment plan The account statuses do not consistently reflect the correct repayment status or bankruptcy timeline Some negative payment history appears to have been reported during periods when my required payment under the income-driven plan was {$0.00} or otherwise considered current The reporting across credit bureaus is inconsistent and does not accurately reflect my actual account status I have attempted to resolve these issues directly with the loan servicer, but the inaccurate reporting has not been corrected. These errors are negatively impacting my credit and preventing me from rebuilding financially after bankruptcy. 

I am requesting that all federal student loan accounts be reviewed and corrected to accurately reflect my Chapter XXXX bankruptcy, income-driven repayment status, and true payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I opened a PNC Bank XXXX card in XXXX and was told that there would be a {$200.00} bonus once I had met the requirements and that the bonus would be deposited into my PNC checking account within 8 weeks. I spoke to the agents at XXXX three different occassions and they gave me different dates for the deposit. I reached a supervisor on XXXX and asked if I would be receiving the promotional {$200.00} and she said yes but she had to complete a ticket to resolve the issue within 20 days. I ask why there was an issue and she was not sure but believed it to be a computer issue. When asked if this could affect other customers who opend the XXXX card, she said she wasn't sure. This sounds systemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
I am submitting this dispute to request the correction of inaccurate credit reporting on my credit file, as outlined below for each bureau. The accounts listed below are inaccurate, incomplete, or misreported, and I seek that the relevant information be corrected according to the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$930.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$890.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 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: AZ

Complaint narrative:
I am disputing the following charged-off accounts as they do not reflect accurate information or were reported incorrectly. Please investigate and update accordingly. 

Charge Off Accounts : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$31000.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I have no affiliation with these accounts and request their removal within the required timeframe.

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 2025-12-18 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear CFPB Officer, I would like to dispute the interest charges of {$130.00} on my AMEX/XXXX credit card. The issue arose when my autopay failed ( I believe it due to a bank error ), despite having deposited funds into the linked XXXX checking account # XXXX since XX/XX/year>, as evidenced by my XXXX bank statement ( attached # 1 ). Although the funds were available, the autopayment did not process by the due date of XX/XX/year>. Upon discovering this on XX/XX/XXXX, I promptly contacted AMEX customer service to explain the situation and immediately paid the full statement balance ( pls refer to attached # 1 as well ). However, I have noticed that the interest charges remain and have not been waived.

The failed autopayment appears to be an isolated incident, likely stemming from a technical malfunction. Nevertheless, I must underscore the gravity of AMEX 's autopayment failure, as it could adversely affect my FICO score, which is indicative of my consistent history of full and timely payments. While American Express has agreed to refund a late fee of {$29.00}, I am determined to challenge the interest charges amounting to {$130.00}. 

Considering the provided evidence of promptly settling the balance, including bank statements showing sufficient funds, I request a waiver of interest charges. This request is supported by my consistent history of timely payments and highlights AMEX 's oversight in this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, it appears these items may be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue, yet the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened or reported without my authorization. These items are inaccurate and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively affected my ability to achieve important financial goals, including obtaining housing and providing for my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

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 2025-12-18 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint against Sofi.due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Sofi failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: DE

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 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 2025-12-18 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Yield Solutions Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted RefiJet about refinancing my car. I explained to them that Ive been through this process a number of times already and was looking for something specific before having my credit pulled. They said they had the warranty coverage I was looking for down to the amount of months of coverage. Today I was sent the final documents to sign without being even explained what my rate was going to be or how long my term was. I had to stop the guy on the phone and tell him more than once I wanted to know what I was signing as he just said to get a bigger screen and read it. After asking many questions I realized they were trying to get me to sign something I never agreed to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Background & Timeline XX/XX/year> : An inspection was completed for interior flooring and carpet work associated with my insurance claim. 
That inspection resulted in approval of escrow funds for release. 
XX/XX/year> : Mr. Cooper issued a check for the approved amount.

o The check was mailed to my

contractor, not to me. o This mailing was not authorized or approved by me. o The mailing address omitted a required suite number, causing the check to be undeliverable and lost.
Due to this servicer error, a stop payment and reissuance became necessary.

During this same period, my insurance carrier issued a revised loss estimate related solely to siding, which is separate from and unrelated to the previously approved interior flooring and carpet scope.

Despite the prior inspection approval and issuance of funds, I have been informed that Mr. Cooper will not re-release the previously approved escrow funds without imposing additional conditions, including a new inspection.

Unreasonable Delay & Borrower Harm The interior flooring and carpet work for which these funds were approved was performed by a separate flooring company, independent from my general contractor and any other contractors involved in remaining repairs. That flooring company has completed its services and must be paid.

Issuing the check to my contractor rather than directly to me adds unnecessary delay to payment, as the contractor must physically deliver the check to me for endorsement. Both my wife and I are required to sign the check, and we are both employed full-time. This additional stepcreated solely by Mr. Coopers chosen disbursement methodunreasonably prolongs payment and exacerbates borrower harm.

Withholding or delaying previously approved funds under these circumstances : Improperly conditions payment on unrelated insurance estimate activity ; Interferes with timely payment obligations to an independent flooring company ; Creates avoidable administrative delay ; Exposes my property to potential lien risk due solely to servicer action or inaction.

Regulatory, State Law & UDAP/UDAAP Concerns I have Demanded that Mr. Cooper : 1. Immediately reissue and release the previously approved insurance escrow funds for interior flooring and carpet ; 2. Overnight the reissued check directly to me, the borrower, to cure the prior unauthorized and defective mailing and eliminate unnecessary payment delay ; 3. Ensure all delivery instructions are accurate and borrower-authorized ; 4. Release the funds without imposing additional inspections or conditions. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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