vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint concerns unauthorized denial of account access and interference with billing capabilities by Experian. 



I am currently being blocked from updating my payment method on my Experian account. The system will not allow me to proceed with a valid payment option and continues to show an error message. When I call Experians support number, the automated system refuses to connect me to a live representativeeven during business hours. I have made multiple attempts via both phone and website. 



This denial of access is not only obstructing my ability to manage my account but may also constitute a violation of consumer protection laws under the Fair Credit Reporting Act if this restriction was triggered by internal flagging or dispute activity. 



Experian is preventing me from accessing a paid service, denying live human contact, and restricting account-level billing controls without explanation. I am entitled to direct access and resolution. 



Action Requested Immediately : 1. Restore full billing and account access 2. Provide direct contact from a compliance or legal representative 3. Disclose whether this block is tied to any internal flag, limitation, or dispute-related hold All attempted contact has been documented. If not resolved within 5 business hours, I will file complaints with the FTC, State Attorney General, CFPB Ombudsman, and pursue additional legal action. 



Please flag this for immediate legal escalation and internal compliance 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: ME

Complaint narrative:
On the night of XXXX, XX/XX/year>, I was going through my account to see if I had received a refund that I was waiting on from a company who accidentally double charged me, when I incidentally noticed several recurring charges from a merchant by the name of XXXX XXXX XXXX. There were multiple transactions going back to XXXX of XXXX, totaling {$4500.00}. I have NEVER heard of this merchant and I certainly did not authorize or allow any of these transactions. I immediately called XXXX to file a dispute, cancel my debit card and order a new one, and request a provisional credit for these charges while they were investigated. The following afternoon, XX/XX/year>, not even XXXX hours after I filed my dispute, I received an email from SoFi saying that they had determined that no unauthorized activity had occurred on my account. This is COMPLETELY untrue. I DID NOT AUTHORIZE ANY OF THESE CHARGES FROM THIS MERCHANT, nor have I ever even heard of them! Additionally, there is NO WAY that SoFi actually completed a THOROUGH investigation in less than XXXX hours from the time that I filed the dispute. I have worked in the banking industry and have performed these investigations myself, so I know that they can take AT LEAST XXXX days to even XXXX MONTHS depending on the situation, but I have NEVER seen a dispute resolved in less than XXXX hours. That is simply impossible. Now, I am out just over {$4500.00} from these unauthorized charges that were made to my account, which I simply CAN NOT afford, especially being a single widow and the sole income of my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I spoke with creditors to pay all off all debts they agreed to take off off the accounts I had paid for but they never came off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX of XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX. Prior to visiting the dealership, I had already secured a pre-approval from my credit union, XXXX, which I intended to use for financing the purchase. 

However, the dealership informed me that they needed to run my credit again in order to " connect '' to my bank. This explanation was vague, and no clear justification was provided. I was led to believe this was a necessary step to complete the sale using my existing pre-approval. Based on this representation, I consented under the impression that they were only verifying my pre-approved financingnot submitting me to other lenders. 

Shortly after the purchase, I received a letter from 700Credit indicating that I had either been denied credit or offered credit on different terms by one or more lenders. This adverse action notice revealed that my information had been submitted to additional lenders without my knowledge or explicit consent. This was never clearly disclosed to me during the sales process. 

I believe the dealership intentionally misled me to generate multiple credit inquiries, potentially to secure financing through a lender that offered them better compensation. I would not have agreed to this had I been properly informed. These hard inquiries could also negatively impact my credit score. 

I am requesting the Consumer Financial Protection Bureau to review this practice, which I believe is deceptive and contrary to the spirit of informed consent required under the Fair Credit Reporting Act and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
Several accounts that I did not open or authorize are being reported on my consumer credit report. I believe these accounts may be the result of identity theft or reporting errors. I have not received any correspondence or agreement documentation regarding these accounts. I am requesting that the company investigate and remove any unauthorized 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 explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

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 2025-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XX/XX/year> Informed by branch employee XXXX XXXX ) that our safe deposit box had been accessed. 
XX/XX/year> Visited the branch ; inspected box contents; noted visible damage to a gold item. 
XX/XX/year> Submitted formal written complaint to Branch Manager. 
XX/XX/year> Sent a follow-up letter requesting formal response and documentation. 
XX/XX/year> Sent Final Notice and initiated preparation for regulatory and legal escalation. 
No formal written response received from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I would like to file a complaint against Mr. Cooper. I tried to pay off my mortgage loan on Monday XX/XX/year>XXXX  and I followed all their instructions and they misappropriated my pay off, put it towards my monthly loan amount, and then when I tried to go online to redirect the funds to the proper places, I kept getting error messages. Ive spoken to at least three representatives who all say theyre not sure why they cant change it and they need their manager to look at it. and then they took money out of my escrow that I shouldnt have and forced me to pay on extra interest and such and applied it to my payoff amount. Now my loan is paid off but they forced me to pay an extra {$700.00} by misappropriating the payoff. Now they are telling me its going to be 3 to 5 days that I have to wait to get this handled and I just want to report this because theres no way that Im the only person this is being done too. It shouldnt be this hard to simply pay off your mortgage. And I have no doubt that this is being done on purpose to deceitfully collect more money from unsuspecting people. And its ridiculous that Im even having to take time out of my day to deal with this problem. There shouldnt be a problem. Mr. Cooper is creating problem to try to Force people into paying even more interest than they are already paying. 
Please advise me as to who else I need to send this complaint to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting, to my credit 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
On XX/XX/XXXX, MOHELA applied a deferment to my past student loans that were under the Income Driven Repayment Plan, despite the fact that this Repayment Plan program has been extended until XX/XX/XXXX under the law. I attempted to contact the servicer multiple times in XX/XX/XXXX to no avail. When I attempted to log into my account, I discovered that I was not able to log in with my credentials, and continued to receive an error message saying that it does not recognize my log in credentials even though they are correct. I entered my social security number, username, password and account number ( the same credentials that I have used to log in before, and the information is also saved on my computer for easy access. These are the current issues that I am experiencing with MOHELA : * XXXX cant log into your MOHELA account nor can I get into contact with MOHELA by phone. 

* I am not sure if my loan balance is wrong drastically higher than it should be since I can not log into my account. 

* MOHELA doesnt recognize your name, account number, or credentials. 

* I have received little to no communication since your loan was transferred. 

* My past student loans have been placed into deferment status without my knowledge or permission after they were placed under the IDR in XXXX whereas there has been an extension for any loans that were placed under the IDR has been extended until XXXX. The loan that they are currently servicing are not new and are qualified to remain under the XXXX plan until XX/XX/XXXX. MOHELA does not service any new loans in which I am currently enrolled in school under. 

I am currently re-enrolled in school as of XX/XX/XXXX ; however, MOHELA is not my servicer for my most recent student loans ; therefore, the loans that they have been servicing under XXXX does not qualify for deferment since they have been in repayment status for several years. I did not request for my past student loans to be placed into deferment status, nor were this servicer authorized to place my past student loans into deferment status. The loans that they are currently servicing qualified to remain in the IDR status until XXXX. 

* * I have learned that MOHELA is currently under investigation for this matter and demand that they place my student loans that they have been servicing back into the XXXX status until XX/XX/XXXX as stated under the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-22 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 explanation