vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I called MOHELA in XXXXXXXX XXXX XXXX to put my loans in a temporary deferment until XX/XX/XXXX. I went through the application process with the agent and was told it would be sent though. I started receiving late payment messages the following month, right around when I noticed my IDR loan should have been in administrative forbearance due to the ongoing lawsuits. I called back in XXXX to resolve this, waited over 3 hours only to be put in hold again and told to leave a message eventually. When a manager called me back, he said there mustve an error when applying the deferment application to my account, but my account would be put in administrative forbearance until the law suits were resolved, if this was before XXXX my loans would be put in temp forbearance like I originally requested. I started receiving the late payments/loans will be put in default emails again in XX/XX/XXXX. Ive tried to call to have my accounts corrected but everytime you call the wait time is over 5 hours. I decided to wait 5+ hours on hold and never spoke to a representative. I can not get through to have my loans fixed and my loan will be put in default. This is without a doubt intentional call deflection to prevent borrowers like myself from receiving account resolutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  for failing to correct inaccurate tradelines on my credit report, despite multiple disputes. 

Background : XXXX XXXX  continues to falsely report XXXX ( XXXX ) tradelines on my credit reports. 
XXXX XXXX XXXX confirmed in XX/XX/year> that these accounts were deleted, yet XXXX XXXX  has failed to remove them. 
XXXX XXXX  has ignored my previous CFPB disputes and refused to investigate or respond properly. 

FCRA Violations : XXXX XXXX  is violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) Failing to ensure accurate reporting.

FCRA 605 ( a ) Illegally re-aging and continuing to report accounts that should be deleted.

FCRA 611 ( a ) ( 1 ) ( A ) Failing to verify the accuracy of disputed items.

Financial Harm : Because of these false tradelines, I have suffered : Higher interest rates and credit denials for loans. 
Loss of financial opportunities. 
Emotional distress due to XXXX XXXX  negligence.

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 2025-03-11 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: NJ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  for failing to correct inaccurate tradelines on my credit report, despite multiple disputes. 

Background : XXXX XXXX  continues to falsely report XXXX ( XXXX ) tradelines on my credit reports. 
XXXX XXXX XXXX confirmed in XX/XX/year> that these accounts were deleted, yet XXXX XXXX  has failed to remove them. 
XXXX XXXX  has ignored my previous CFPB disputes and refused to investigate or respond properly. 

FCRA Violations : XXXX XXXX  is violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) Failing to ensure accurate reporting.

FCRA 605 ( a ) Illegally re-aging and continuing to report accounts that should be deleted.

FCRA 611 ( a ) ( 1 ) ( A ) Failing to verify the accuracy of disputed items.

Financial Harm : Because of these false tradelines, I have suffered : Higher interest rates and credit denials for loans. 
Loss of financial opportunities. 
Emotional distress due to XXXX XXXX  negligence.

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 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX TX 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 2025-03-11 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: GA

Complaint narrative:
I am submitting this formal complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included accounts from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Accounts in Question : XXXX. Account XXXX : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX. Account Number : XXXX Violations XXXX. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( XXXX ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX XXXX XXXX XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of these accounts as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I noticed I had two chargers from XXXX XXXX XXXXy on my American Express serve card foXXXX XXXX XXXX in which I did not make or authorize, the account is not in my name and I do not have an account with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding Citizens gross mishandling of a dispute involving my funds. Despite clear and compelling evidence proving that a merchantan attorneyfailed to render the services I paid for, the bank recklessly ruled in their favor without conducting a proper investigation. The banks failure to follow due process has resulted in significant financial harm to me and my business. 
The banks mishandling of my dispute includes failure to Provide Supporting Documentation : After closing my dispute, the bank refused to provide the documentation used to make its initial decision upon request, only stating that they would send out another request. This suggests that either the bank failed to obtain necessary documentation in the first place or is deliberately withholding information. 
The merchant has since contacted me to issue a full refund, acknowledging that services were not provided. This is irrefutable proof that the banks decision to close the dispute in the merchants favor was incorrect. The fact that the bank refuses to reverse its decision despite this development demonstrates gross negligence. 
Even before the merchant attempted to issue a refund, I provided the following proof to substantiate my claim : A voicemail from the merchant admitting that services were not provided. 
Text messages from the merchants staff contradicting their original claims. 
A retainer agreement outlining services that were never delivered.Despite this evidence, the bank ruled against me without explanation. 
Refusal to Properly Investigate the Dispute : Instead of thoroughly reviewing the evidence presented, the bank arbitrarily ruled in favor of the merchant and has now declared the decision " final. '' This is an unacceptable dismissal of my consumer rights. 

Consumers should not have to fight their own bank to reclaim funds that were wrongfully taken. I expect immediate corrective action and a full response outlining how this matter will be resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 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:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-03-11 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: TX

Complaint narrative:
I previously on several occasions contacted this CRA in regards to a fraudulent account reporting on my report. In my last complaint XXXX I requested again for this account to be removed and proof of all investigations be mailed and I havent received anything and it was not removed. In the response it says that the creditor provided proof but it was not shown to me and they also have a cease and dismiss that I submitted to them so Im not sure what information was provided and why they are allowed to keep reporting to this CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-12 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses.

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 2025-03-12 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: IN

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. Despite my previous requests, the following erroneous accounts continue to be reported incorrectly, causing undue harm to my financial stability, mental health, and overall well-being :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies on my credit report. Despite my previous requests, the following erroneous accounts continue to be reported incorrectly, causing undue harm to my financial stability, mental health, and overall well-being :

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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My car insurance lapsed in XXXX, and due to this my loan provider added a policy onto my car which in turn increased my monthly car payments from {$450.00} to {$790.00}. I began being charged the additional amount in XX/XX/XXXX. 
I was told on multiple occasions ( calls are recorded with the company ) that once I reinstated my personal insurance, my car payments would return to normal. 
I was able to financially get insurance in XX/XX/XXXX thus canceling the policy placed by the loan provider. I was then told I would have to continue paying for the policy for another 7 months even though I was told it would retroactively cease charges upon getting my own policy. Even though the calls were recorded telling me I would not have additional charges, they will not honor their mistake. 

I have been getting the run around for weeks about how much I owe, how it is calculated and where the numbers are being pulled from and every time I call them they change the amount, length of time I have to pay and the schedule of payments. I have asked over the phone many times for an itemized statement of the charges to be sent to me and they have continued to refuse and even have said they " can not draft '' or create a statement. They will only send me random calculations typed into an email. These numbers also do not match what I have previously been told. I was even sent a letter at one point with a completely different amount that states I owe it. 

I have gone into the branch, spoken to so many people and nobody can send me this bill that I am requesting. I am not comfortable paying for anything until I can see the breakdown of these charges. I feel this is extremely suspicious and wrong to not be transparent about what I am needing to pay ( if anything ). At this point I do not know what to do and this is causing immense emotional distress in which I do have a XXXX in regard to my mental health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
We were notified of a debt owed to XXXX via IC Systems. We called XXXX and resolved the debt on XX/XX/year>. According to XXXX, they then reported the debt as paid to IC Systems on XX/XX/year>. IC systems refuses to remove the collection from my account and is now asking for more money. I have spoken to both XXXX and IC Systems a dozen times about the issue and they both claim it is the other companies problem. Attached is proof the debt was paid and an accompanying credit because they wrongfully overcharged us for equipment.

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 2025-03-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation