vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: FL

Complaint narrative:
I have everything described below documented in e-mails with Earnest representatives. 

I requested interest-only payments in XX/XX/2025. 

The Earnest representative stated I would only be charged interest on my loans starting in XX/XX/2025. 

Instead, I have been charged the full amount every month since XX/XX/2025. 

I have had to waste time dealing with multiple Earnest representatives via e-mail and phone calls asking them to refund the overcharged amounts ( i.e., the principal payments ). 

Each representative promises that Earnest is looking into the situation, but nothing happens. And, Earnest is essentially ILLEGALLY benefitting from an interest-free loan from me to them using the overdrawn principal funds. 

To add insult to injury, when I was on the phone today with an Earnest representative, I asked him what do I need to do in order to get the refunds processed ASAP today. He said there was nothing I could do or that he could do. He said he doesn't even have a way to call the team responsible for handling overdrawn funds and refunds. That is ridiculous. 

I mentioned that I would file a CFPB complaint and he immediately disconnected the call stating that Earnest 's Compliance team would be in touch. 

This is borderline criminal behavior by usurious lenders like Earnest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My name is XXXX XXXX, my Date of Birth is XX/XX/XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX 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. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX An auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, my Date of Birth is XX/XX/XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX 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. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX An auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX An account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX -XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX -XXXX Inquired on XX/XX/XXXX -XXXX XXXX XXXX Inquired on XX/XX/XXXX -XXXX  Inquired on XX/XX/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 2025-07-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX XXXX  DC XXXX Subject : Dispute of Reported Late Payment During XXXX Under CARES Act To whom it may concern, I am writing to formally dispute a late payment that was reported on my credit reports during the XXXX pandemic, which I believe was unfairly and inaccurately reported in violation of federal law, specifically the * CARES Act * ( Coronavirus Aid, Relief, and Economic Security Act ) and the * Fair Credit Reporting Act ( FCRA ) *. 

My account with XXXX  XXXX XXXX, account number XXXX, was reported as late in XX/XX/XXXX, and is negatively reflected in my credit reports with * Equifax, * * Experian, and * * TransUnion *. 

Under Section 4021 of the * CARES Act, any account that was current and for which accommodations ( such as deferment, forbearance, or payment modification ) were made due to XXXX hardships, * * must continue to be reported as current * during the period of such accommodation. I was experiencing financial hardship due to the pandemic and was either granted relief or unable to make payments due to circumstances beyond my control. At no point was I properly informed that a negative report would be made.

Additionally, under * FCRA Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute inaccurate or incomplete information. I request that a formal investigation be opened, and that the furnisher of this information be asked to provide supporting documentation. If the creditor is unable to verify the legitimacy of this delinquency, I respectfully request that the negative mark be * * deleted * from my credit reports. 

Attached, please find : - A copy of my government-issued ID. 
- A copy of my credit report showing the late payment. 

Please provide a written response and resolution in accordance with the law. I appreciate your time and fair handling of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ssn 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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
What happened : On XX/XX/XXXX, a {$2400.00} direct deposit from my school ( XXXX XXXX XXXX ) was mistakenly sent to an old XXXX account that had been hacked and should have been closed since XXXX. Instead of rejecting or returning the deposit, XXXX seized the entire amount, applied it toward a negative balance from XXXX  years ago, charged me an additional {$10.00} closure fee, and closed the account the following day. 

Why this is a problem : The transaction was unauthorized. I did not consent to the deposit being used to repay old debts, and the account was previously compromised. The bank should have returned the funds to the sender, not applied it to an unverified balance. 

What Ive done so far : I contacted Currents support multiple times by phone and email to request a return of funds. I also notified my school of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i have 5 inquires on my XXXX credit report and 2 on XXXX that i don recognize wells fargo and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX as suppose to run my credit only once but they ran my credit 3times without my knowledge ) and also XXXX XXXX XXXX on XX/XX/2024 ( i also have no knowledge of 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 explanation
Consumer complaint received 2025-07-23 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
i have 5 inquires on my XXXX credit report and 2 on XXXX  that i don recognize XXXX XXXX and XXXX XXXXXXXX XXXX GS BANKXXXX XXXX XXXX and XXXX XXXX ( XXXX as suppose to run my credit only once but they ran my credit XXXX without my knowledge ) and also XXXX XXXX XXXX on XX/XX/year> ( i also have no knowledge of this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On or around XX/XX/XXXX, TransUnion reinserted a previously deleted XXXX bankruptcy without providing the legally required notice under FCRA XXXX ( a ) ( XXXX ) ( B ). This caused a severe drop in my credit score. I received no written notice, and no verifiable source of the data was disclosed. The XXXX Bankruptcy XXXX does not report to credit bureaus. This reinsertion was unlawful, unverified, and misleading. I am demanding immediate removal of the bankruptcy, full investigation, and compliance enforcement by CFPB. Attached are all legal letters, affidavit, and service documentation 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 non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
The presence of a late payment on my credit report is both surprising and disheartening, as I have always taken care to meet my financial responsibilities punctually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I am an XXXX XXXX member of the XXXX XXXX XXXX stationed in Louisiana, and my mortgage ( Loan XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, LA XXXX ) was transferred from XXXX to Freedom Mortgage. XXXX previously reduced my interest rate to 4 % during my XXXX XXXX period, but Freedom Mortgage increased it to 6.5 % and denied my request for a 6 % cap under the Servicemembers Civil Relief Act ( 50 U.S.C. 3937 ) and Louisiana Revised Statutes XXXX, despite providing military orders on XX/XX/XXXX. Louisiana law ( XXXX. XXXX ) mandates a 6 % cap for obligations entered on or after XX/XX/XXXX, during XXXX XXXX, and excess interest must be forgiven. Freedom Mortgage initially denied my request on XX/XX/XXXX, set a projected completion date of XX/XX/XXXX, but as of XX/XX/XXXX, no correction has been made despite daily calls. This increases my monthly payment by approximately {$400.00} and includes an incorrect escrow calculation. I seek enforcement of the 6 % cap, retroactive interest forgiveness, correction of the escrow error, and consideration of the original 4 % rate due to my husbands 100 % service-connected XXXX veteran status. Please investigate this violation of Louisianas military protections.

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 2025-07-23 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: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : XXXX. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} XXXX request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am the victim of fraud, and I did nothin wrong. u should recind the charges. I have filed a complaint wit the Federal Trade Commission and submited the Identity Theft Affidavit

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 2025-07-23 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: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-23 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: NJ

Complaint narrative:
This letter is a formal dispute and request for immediate action regarding a XXXX late payment reported by XXXX XXXX XXXXXXXX that is reflected inaccurately on my credit report. Despite multiple phone conversations with XXXX  XXXX XXXX, where I informed them that the check had been mailed by my credit union to cover the full balance, the issue remains unresolved. 

I initially mailed the check through my credit union on time. When no resolution occurred, I contacted XXXX XXXX XXXX several more times and was advised to follow up. My credit union has now mailed the check for the second time to ensure full payment, yet the late mark continues to impact my report and my credit score has dropped XXXX points. 

I have also provided documented proof from my credit union showing the check that was mailed to XXXX  XXXX XXXX. This proves my intent and timely action to resolve the balance, and it further supports that this late payment should never have been reported. 

Let it be noted that XXXX  XXXX XXXX refunding me my late fee back, which shows that they are aware of the mistake. 

This situation is a violation of : * * 15 U.S. Code 1681e ( b ) * * Accuracy of report : " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' * * 15 U.S. Code 1681i ( 5 ) * * Treatment of inaccurate or unverifiable information : " If, after any reinvestigation, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item from the consumers file or modify it as appropriate. '' Based on these laws, I am requesting that this inaccurate and unverifiable late payment be removed immediately from my credit report. This item is unjust, unverified, and incomplete, and it is causing significant harm to my creditworthiness. 

Please take prompt action to remove this item as required by law. 
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