vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
My student loan account with the U.S. Department of EducationXXXX XXXX XXXX inaccurate late payments for XXXX 2019 and XXXX  2019. My account was in forbearance or deferment during that time and no payments were due, so it is incorrect to report these months as delinquent. 

Additionally, the late payments are being reported inconsistently across credit bureaus. According to XXXX, the payments for those months are shown as on time, which confirms that the negative marks on XXXX XXXX, and TransUnion are inaccurate. 

This account is also closed, and I am requesting that it be removed entirely from my credit report because the information is both outdated and harmful to my credit profile. 

Ive already tried to resolve this with the servicer directly and have not received any resolution. I am now asking the CFPB to step in and help get these inaccuracies corrected.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loan account with the U.S. Department of EducationXXXX XXXX XXXX inaccurate late payments for XXXX 2019 and XXXX 2019. My account was in forbearance or deferment during that time and no payments were due, so it is incorrect to report these months as delinquent. 

Additionally, the late payments are being reported inconsistently across credit bureaus. According to XXXX, the payments for those months are shown as on time, which confirms that the negative marks on Experian, XXXX, and XXXX are inaccurate. 

This account is also closed, and I am requesting that it be removed entirely from my credit report because the information is both outdated and harmful to my credit profile. 

Ive already tried to resolve this with the servicer directly and have not received any resolution. I am now asking the CFPB to step in and help get these inaccuracies corrected.

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 2025-04-24 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: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
I have taken a loan at BHG financial services. 
I took personal loan of XXXX dollars and they also charged XXXX dollars of interest. 
I was been paying XXXX dollars per month. 
After paying for 11 months, I wanted to pay off the loan and was asked to pay XXXX dollars. 
For 11 months I have paid XXXX dollars and the principal got reduced by mere XXXX dollars. 
BHG financial services doesn't have any online app to check how much am I paying for the interest and also how much goes to principal. 
They do not even send a email statement for monthly payments. 

Had I known they would charge this exorbitant amount of charges per month. 
I wouldn't even taken the loan in first place. 
Their lack of visibility for loan payments towards customers is now understandable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
I have an account with XXXX. I deposited {$3000.00}. {$1000.00} from my XXXX XXXX XXXXXXXX account on XX/XX/year>, {$1000.00} on XX/XX/year> and {$1000.00} on XX/XX/year>. When connecting my virtual card and my physical card to my account ( from the same bank account ), they restricted my account. They requested documents and would lift the restriction by XX/XX/year>. Then on XX/XX/year> they said it would be lifted by the XXXX. They have said that they want to speak to me but ignore that I can't receive calls on the phone that is listed. I'm fairly certain that they are overlooking the fact that the virtual card and physical card are from the same bank account. I submitted documents that clearly show that the accounts belong to me. They also have my ID and selfie as requested. They now are showing that I need to submit the same documents by XX/XX/year> but the link given states that they have what they need. I am beyond frustrated! This is now going to cause me a hardship and I need my money out of this account or the restriction lifted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I was charged an XXXX XXXX XXXX. The closing settlement statement disclosure documents said the company could not charge more than {$14000.00} for an early payoff fee. I paid off this loan less than 30 days before the XXXX months ended and the company charged me over {$18000.00} in an early payoff fee. Even though my load documents said the payoff fee could not be more than {$14000.00}. 
The company held my loan and would not allow payoff until I paid the extra {$4000.00} fee, even after showing the company the closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment and SAVE Act To Whom It May Concern, I am filing a formal complaint against Mohela, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX XXXX  XXXX XXXX and the SAVE act still being active. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or missing disclosures — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
XXXX  salesperson approach to me to buy solar and did not disclose the amount except {$160.00}. {$15.00} for electric company never mentioned {$40000.00} which I wouldn't have gotten cuz I can't afford that I'm XXXX years old XXXX. XXXX XXXX XXXX  which is now bankrupt not long after a lending company is good leap financial. I never signed anything but had to pay because of threats of liens. I spoke to good leap and they were supposed to be investigating but I feel that that was just a hoax because they never called me back and I could never reach the person who called me lady named XXXX at Good Leap! Then to make matters worse after 18 months they went up on the payments to {$270.00} a month Plus the electric bill which could sometimes be over {$100.00} especially in the summer with the air conditioning! There's hundreds of people with the same story It's like they're in cahoots with each other! Thank you for your attention in this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as Experian : XXXX XXXX XXXX XXXX # XXXX # XXXXXXXX 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 XXXXXXXX

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 2025-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as Experian : XXXX XXXX XXXX XXXX # XXXX # XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
Company : Oklahoma Motor Credit Company Dealership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK I am submitting this complaint due to a wrongful repossession of my vehicle following what I believe was an intentionally manipulative payment schedule change and a refusal to accept my redemption offer. On XX/XX/year>, I made a full monthly payment. I also communicated that my next paycheck would not arrive until XX/XX/XXXX. Despite this, my due date was moved to XXXX XXXX XXXX days after my last paymentmaking it impossible for me to pay in time. 

My car was repossessed on XX/XX/year>. 

I attempted to redeem the vehicle by offering to pay all repo-related fees and catch up the balance, but was denied. A representative told me directly, I can stop the repo, but XXXX not willing to. I was not given a reason for this refusal, nor was I provided loan balance information, despite repeated requests. My original contract was also inside the vehicle and has not been returned. 

The Notice of Sale was not issued until XXXX days after the vehicle was taken and XXXX days after my payment. This delay, combined with the other actions, suggests an intent to deny me the chance to fix the issue and sell the vehicle instead. 

I have not received any response from the CFO or upper management after several outreach attempts. 

As of XX/XX/year>, I received a text message directly from the XXXX XXXX Oklahoma Motor Credit Company stating, There is nothing we can do. 

This confirms that the company has no intention of working with me to resolve the wrongful repossession. It also supports my claim that I have been denied fair access to redemption and financial records. This message, combined with prior refusal to communicate and process payment, demonstrates willful neglect and a complete lack of customer protection Harm : Denied the ability to redeem my vehicle despite making payment efforts Emotional distress due to sudden transportation loss and disrespectful handling Damaged credit report due to wrongful repossession Inability to attend work and legal proceedings ( I am currently in a custody battle )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I purchased a vehicle that was financed by XXXX and the next day I was involved in a car accident that totaled the car. Insurance paid most of the car off but I still had a couple XXXX dollars to pay off. I bought another car and XXXX financed that one too. XXXX rolled the remaining balance from the previous vehicle into my new loan. I paid 2 years of payments then I was involved in another car accident and totaled this car. I then paid the remaining balance of this car. Then XXXX reported a late payment from the first vehicle to the credit bureau. I disputed this with the credit bureau. Instead of fixing the mistake XXXX erased both accounts off of my credit report. I called XXXX and explained what happened. XXXX told me they would add add the second car back on to my credit report. That account was only added back to my XXXX credit report. Equifax and TransUnion said they didnt receive anything from XXXX XXXX I complained to the Ohio Attorney Generals office and XXXX sent proof that they in fact submitted the paperwork to fix my credit report. Its been over a year and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for the XXXX with the promotion of " instant Gold status '' being applied after my first posted purchase, and a year of XXXX after {$3000.00} in purchases. I still do not have XXXX after meeting the initial requirements.

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 2025-04-24 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: TX

Complaint narrative:
Theres an entry that doesnt belong to me and is being reported inaccurately. After reviewing my records, I can say with full confidence that the details listed do not reflect my credit history, and I believe this may be due to an error or a case of mixed information.

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 2025-04-24 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: NV

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, nor did I authorize anyone to open them on my behalf. I am not simply skepticalthey are definitively fraudulent, and I request their immediate investigation and removal from my credit report. 

The accounts in question are as follows : 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 ( listed twice ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have reviewed these accounts and can state with full certainty that they are fraudulent. I never applied for, opened, or authorized these lines of credit or loans. I am a victim of identity theft and request that these items be removed from my credit report immediately under the provisions of the Fair Credit Reporting Act ( FCRA ) I also included a FTC identity theft report to support my claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, nor did I authorize anyone to open them on my behalf. I am not simply skepticalthey are definitively fraudulent, and I request their immediate investigation and removal from my credit report. 

The accounts in question are as follows : 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 ( listed twice ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have reviewed these accounts and can state with full certainty that they are fraudulent. I never applied for, opened, or authorized these lines of credit or loans. I am a victim of identity theft and request that these items be removed from my credit report immediately under the provisions of the Fair Credit Reporting Act ( FCRA ) I also included a FTC identity theft report to support my claim

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 2025-04-24 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: TX

Complaint narrative:
- PAYMENTS HAVE BEEN MADE ON TIME ON THE AGREEMENT BUT REPORTED LATE STILL. ALL PAYMENTS HAVE BEEN MADE ON TIME BUT REPORTED TO ALL CRED BUREAUS AS NOT MADE. 

I '' m in the process of buying a home and this is affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
- PAYMENTS HAVE BEEN MADE ON TIME ON THE AGREEMENT BUT REPORTED LATE STILL. ALL PAYMENTS HAVE BEEN MADE ON TIME BUT REPORTED TO ALL CRED BUREAUS AS NOT MADE. 

I '' m in the process of buying a home and this is affecting 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 non-monetary relief