vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
MOHELA acknowledged my XXXX XXXX placement in a secure message on XX/XX/year> following my XX/XX/year> SAVE application submission. Despite this, they billed me for {$940.00} on XX/XX/year> and have left it past due as of XX/XX/year> in violation of both this original XX/XX/year> notice and a follow-up forbearance confirmation sent to me on XX/XX/year>. 

I sent multiple secure messages to MOHELA, including a formal complaint on XX/XX/year> requesting immediate correction. As of XX/XX/year>, no action has been taken and the past due status remains visible on my account. 

This error creates risk of financial harm, possible credit reporting damage, and could negatively affect my Public Service Loan Forgiveness ( PSLF ) and IDR forgiveness progress.

I am requesting immediate removal of the {$940.00} past due balance, the current balance of {$1800.00} correction of my forbearance status, assurance of no adverse credit reporting, and confirmation that my forgiveness progress is unaffected. 

I have retained copies of MOHELAs XX/XX/year> secure message, my account status screenshots, and all prior messages sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
The account with XXXX XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX 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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Fraudulent charges were added to my Target Credit card. They reported to credit bureau stating different address and was late on payments. I contacted them and was told that since in did not know the person or addresses they would closed accounts and remove from my credit reports. Now three months later they are reporting me again as having late payments and for fraudulent charges. I contacted the company and they had me on the phone for 2 hours. when I asked to speak to a supervisor they put me on hold and then cut me off. I was told they would not remove charges unless I reopened my account with them. I do not wish to ever have an account with Target because they are rude and do not follow through with their commitments to good customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-12 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$00.00} XXXX XXXX  XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$12000.00} XXXX XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB, I have a secured credit card with citibank which is changed to unsecured card and I have been calling n waitting for the check release the secured amount {$2500.00} for rhat credit card. They told me to wait then today they told me someone cashed my check but their system doesnt have info as of who, where and when did it happen!!

I requested a case number but they wont send me any confirmation whatsoever to report to the police.

They told me I have to wait for some form that might be sent to me via mail within 14 days to fill out. I called customer service second time today and their manager told me same thing, no info no help at all! Please help me, it's a big bank but the service is so terrible and lil customer like me can do nothing! Thank so much and look forward for your reply!

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 monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: MD

Complaint narrative:
This is a follow-up to my earlier dispute. There are still incorrect and incomplete items showing on my credit report. Im now requesting a written description of the steps you took to investigate the account. According to federal law, you must send this within 15 days of receiving this notice. If you cant verify the details or fail to respond in time, the account must be removed. Ive attached a copy of my initial request. Please respond promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CO

Complaint narrative:
XX/XX/XXXX - Applied for Treasury Enterprise Plan checking account with {$1000.00} bonus Virtual appoint scheduled with XXXX XXXX, Small Business Representative, for XX/XX/XXXX to finalize application. 
XX/XX/XXXX - Virtual appointment with XXXX XXXX. She opened account as Business Checking and said that she would need to convert it to Treasury Enterprise Plan. Could not make initial deposit or $ XXXX required balance as she said their online banking was down and that I needed a PIN code from her. 
XX/XX/XXXX - Phone call from XXXX XXXX to complete online banking setup. I asked her when $ XXXX needed to be deposited since we were unable to do it day before and account was still showing Business checking and not Treasury Enterprise Plan. She told me I had time and that I could deposit $ XXXX either within 3 days or after account was converted to Treasury Enterprise Plan checking. She said no problem pertaining to bonus and that I did not need to make an additional deposit. 
XX/XX/XXXX - Deposited {$100.00} required for opening account. 
XX/XX/XXXX - Initiated contact with XXXX XXXX, Branch Manager and business banker for PNC branch in XXXX XXXXXXXX. Expressed concern about account opening as business checking and not Treasury Enterprise Plan checking and asked that he confirm that $ XXXX promotional bonus was attached. He said he would check with XXXX. 
XX/XX/XXXX - Received confirmation that account had been converted to Treasury Enterprise Plan. Deposited $ XXXX by ACH Transfer. 
XX/XX/XXXX - Deposited an additional {$6500.00} to bring account to {$36000.00} to make sure I met $ XXXX requirement even though XXXX XXXX told me I did not need to. 
XX/XX/XXXX - E-mail to XXXX XXXX XX/XX/XXXX - E-mail to XXXX XXXX XX/XX/XXXX - E-mail to XXXX XXXX XX/XX/XXXX - E-mail to XXXX XXXX XX/XX/XXXX - E-mail from XXXX XXXX was informed that in spite of following instructions from PNC business representative and making the required $ XXXX deposit within the timeframe she gave me, that I did not meet the minimum balance requirement for the XXXX statement cycle. He said if I did not agree he would help me with a dispute. 
XX/XX/XXXX - E-mail to XXXX XXXX XX/XX/XXXX - E-mail to XXXX XXXX XX/XX/XXXX - Conversation with online chat. Was informed that the bonus promotion was never attached to account and that I should contact the local branch manager. I told her I have been trying to get help from him for 5 weeks. She opened a formal complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX - E-mail from XXXX XXXX that they will review account opening calls and go from there. 
XX/XX/XXXX - It's been nearly two months and have not received any confirmation that the bonus was attached or that they will comply with the instructions given me by their Small Business Representative, XXXX XXXX, thus allowing me to work toward the $ XXXX new business customer bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After Hurricane Ian, Chase bank helped us set up a deferment. They advised us to not make any payments until it was processed and that any adverse credit marks would be removed. They removed all but one, showing us 120 days late which is simply not true! We took them at their word and followed all their advice, only to be left with one late ( very late ) payment that wasnt late at all. Ive contacted them numerous times by phone, email and after that, disputes. This was a natural disaster and the lower floor of our home was destroyed, displacing us and causing job losses. Weve never missed a payment and followed every instruction they gave us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MO

Complaint narrative:
My Us Bank Credit card was charged XX/XX/year> for {$1200.00} without my consent. 
I disputed the charge and they told me they couldn't do anything because the payment was made by XXXX. I know I never called to make a payment so I called back to requested proof of payment and they didn't have it. I called numerous times asking for proof consent but I was constantly passed around to other departments trying to resolve issue and find proof of consent but it was never provided.

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 2025-06-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Demand for Immediate Removal of Repeatedly Disputed Inaccurate Accounts Dear Experian, Equifax, and Trans Union, I am writing once again to dispute inaccurate and unverifiable information on my credit report, which has been continuously verified as accurate without actual investigation or documentation. This persistent failure to correct or remove disputed items, despite multiple prior disputes, is a gross violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

During a recent conversation with an Experian representative, I was explicitly informed that no actual investigation is conducted beyond acknowledgment of the account owners claima disturbing admission that your so-called investigations are superficial and in direct violation of your legal obligations. This failure is tantamount to willful negligence and directly contradicts your duty to conduct a reasonable reinvestigation of any disputed information. 

These unresolved inaccuracies are seriously damaging my creditworthiness and directly hindering my ability to obtain mortgage approval, impacting my financial well-being and life stability. In addition to the financial harm, this prolonged issue is causing significant emotional distress, XXXX, and a sense of helplessness as I continue to be denied fair and accurate credit treatment. 

Your failure to fully investigate these disputes and provide verifiable documentation proving the accuracy of the accounts constitutes a willful and negligent violation of my consumer rights. I am also aware of ongoing legal action and lawsuits against Experian and Equifax for similar violations, which only reinforces my concern about your business practices and treatment of consumer data. 

I hereby formally demand that you delete

these inaccurate items from my credit report within five ( 5 ) calendar days of receiving this notice. If you fail to comply, I will pursue further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I have also begun seeking legal counsel regarding your repeated FCRA violations and the psychological and financial harm caused. Please note : Failure to delete these inaccurate accounts within five ( 5 ) days will
be taken as further evidence of your non-compliance and disregard for the law. I demand a copy of the results of your reinvestigation, including the name, address, and telephone number of each data furnisher contacted, as well as the method and documentation used to verify the information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One XXXX XXXX, XXXX XXXX XXXX, failed to deposit checks that were mailed in for deposit. I requesed check images and they are not reflected as a deposit via my bank statement. Check imaging shows a processing date of XX/XX/year>. There are no matching deposits on the bank statement. I have been on the phone for over an hour and they want me to take their word for it that is was deposited even though it is not reflected on a bank statement. 

They also intentionally place me on hold for over an hour everythime I call. Issues are constant and information is almost never provided when originally requested. They send me to a fraud dept just for calling about my account. The rude and disceptive practices of this company needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding Equifax Dispute Failure and Ongoing Credit Report Errors Dear CFPB Team, I am filing a formal complaint against Equifax Information Services LLC regarding their ongoing failure to properly correct multiple inaccuracies on my credit report, despite submitted disputes and requests for reinvestigation. 

Disputed Items That Remain Unresolved or Improperly Verified Include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Equifax continues to list these items without supplying proof of contract, payment records, or verified ownership. I have not received proper documentation or confirmation that my evidence was meaningfully reviewed. This constitutes negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ).

This ongoing damage is actively affecting my ability to secure housing, employment, and basic financial stability. I am requesting : 1. Immediate and thorough reinvestigation of these accounts, with documentation.

2. Deletion of unverifiable, outdated, or misattributed items. 
XXXX. Penalties or enforcement action against Equifax for negligent handling of credit disputes. 

This isn't just about numbersits about basic consumer rights. I will not sit quietly while financial institutions bury me with someone elses mess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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