vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Please refer to the attached document titled XXXX for a complete summary of all violations, supporting evidence, and applicable FCRA citations. 
This complaint documents Experians ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple certified dispute letters sent between XXXX and XX/XX/year>. These disputes included full identity verification, detailed evidence, and specific requests under 611 ( a ) ( 7 ) for the Method of Verification ( MOV ). Experian responded with generic form responses, ignored MOV requests, and continued to verify clearly inaccurate and re-aged tradelines without explanation or factual rebuttal. 
Disputed accounts include charge-offs and collections from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. Experian reported incorrect Dates of First Delinquency ( DOFD ), inflated balances, inconsistencies across credit bureaus, and unlawfully extended the reporting period of negative items. Despite being presented with material documentation, Experian failed to delete or correct these accounts and provided no lawful justification for continued reporting. 

By submitting this complaint, I am formally documenting another instance of Experians willful non-compliance for the regulatory record and for potential future legal escalation, should enforcement action remain insufficient. 

All violations are detailed in the attached PDF, citing FCRA 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 1681e ( b ), 611 ( a ) ( 7 ), and 605 ( c ). Experians pattern of boilerplate responses, refusal to investigate, and failure to provide MOV constitutes a serious breach of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
Today I noticed that starting on XX/XX/year>, my XXXX XXXX card from XXXX XXXX had many unauthorized charges until it was totally depleted of money. The balance before the unauthorized charges was {$1200.00}. As of XX/XX/year>, the balance is {$0.00}. I tried using XXXX XXXX XXXX  app and phone number but could not get any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} Open Date XX/XX/XXXX Inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX and one man offered credit on the promise of a XXXX month no miss payment, which will lead to a reduction in APR and an increase in loan. Customer abide by this agreement however, this company did not as they use this fraudulent tactics. To get customer to agree to a loan with an outrageous APR with a hope and promise of a reduction of APR and an increase of loan in-house evaluation after XXXX months at the end of XXXX months this companies apologize to customers and tell them that they apologize for their agent giving false information And that theres nothing they can do because the bank on customers missing payment. I did not miss a single payment for the XXXX months, but they refuse to hold the end of the agreement and refuse to resolve the problem and now theyre reporting over XXXX days late to the Credit agenciesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX tried to resolve this issue with with the companies, as well as with the credit reporting agency with no resolution and continue to report the inaccurate late payment and charge offs to my Credit Report this charge of are showing balances which is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX and XXXX XXXX  offered credit on the promise of a six month no miss payment, which will lead to a reduction in APR and an increase in loan. Customer abide by this agreement however, this company did not as they use this fraudulent tactics. To get customer to agree to a loan with an outrageous APR with a hope and promise of a reduction of APR and an increase of loan in-house evaluation after six months at the end of six months this companies apologize to customers and tell them that they apologize for their agent giving false information And that theres nothing they can do because the bank on customers missing payment. I did not miss a single payment for the six months, but they refuse to hold the end of the agreement and refuse to resolve the problem and now theyre reporting over 60 days late to the Credit agencies, XXXX , XXXX , and XXXX XXXX tried to resolve this issue with with the companies, as well as with the credit reporting agency with no resolution and continue to report the inaccurate late payment and charge offs to my Credit Report this charge of are showing balances which 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 2025-05-29 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing took over servicing my loan from Specialized Loan Servicing approximately XXXX year ago. Specialized Loan Servicing had previously removed PMI off of my loan after appraising my property and confirmed PMI was removed. When Shellpoint Mortgage Servicing took my loan over they reapplied PMI and started charging me PMI monthly again. I have spent 11 months over and over every month calling multiple times per month trying to get this resolved. Shellpoint Mortgage Servicing has assured me over and over they would get it removed and I did not have to pay the higher amount per month. For 10 months my account has accrued late fees and the PMI ( that was supposed to be removed ) over and over again. Now every month I have to call Shellpoint Mortgage Servicing to ask them for an update and every month there has not been any resolve. My credit is going to be impacted due to their mistake. I have exhausted every option I have to get them to resolve this issue and I continue to receive threatening letters saying I owe money that I clearly do not owe. I have sent a formal letter to the management and CEO of Shellpoint Mortgage Servicing. I have made countless calls to Shellpoint Mortgage Servicing customer service line over and over every month for the past 11 months. Furthermore, I have NEVER missed a mortgage payment EVER and yet this company sends me letters saying they are going to start foreclosure proceedings and then every month I have to call them and they apologize for the lack of resolve and yet still do not fix this issue. This is absolutely abuse of a consumer and I have exhausted all my options and this is detrimental to my health having to deal with this every single month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have the best credit score which is XXXX and I applied for the pre qualification and I was prequalified and when I applied they denied me even though I gave them enough information about my case, Im an asylum and I am a resident so I am qualified to get all the perks they put a hard inquiry on my credit and they denied me for no good reason. 
I would not recommend this company for credit card or any other purposes to anybody.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MOHELA
State: AL

Complaint narrative:
m submitting this complaint regarding issues I have been experiencing with my student loan servicer, MOHELA. I am a federal student loan borrower, and I have encountered difficulties such as instant credit decline, incorrect billing, lack of communication, delay in processing paperwork, repayment confusion, etc. 

Despite my efforts to contact MOHELA directly to resolve this issue, I have not received a clear or timely resolution. This has caused unnecessary stress and confusion about my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Mohela, my student loan servicer, regarding the handling of my Public Service Loan Forgiveness ( PSLF ) refund. 

In the first week of XX/XX/year>, I was notified that I had met the PSLF requirements and that my loans were forgiven. I was informed that a refund of payments made beyond the required 120 payments would be issued by my loan servicer, Mohela. 

I contacted Mohela shortly thereafter and was told that my refund would be processed and issued within 90 days, placing the estimated date of refund around XXXX XXXX. As of XX/XX/year>, I have not received the refund. 

Over the past several weeks, I have contacted Mohela multiple times to inquire about the status of my refund. Each time, I have received conflicting and inaccurate information. On one occasion, I was told a new, later refund date. On another, I was instructed to contact the XXXX XXXX XXXX XXXX XXXX, which appears to be an attempt to deflect responsibility. I also attempted to file a complaint directly with Mohela, but I never received any follow-up or resolution. 

This ongoing lack of clarity, transparency, and accountability is unacceptable, particularly for a matter involving federal funds and student loan forgiveness. I am requesting a formal investigation into Mohela 's handling of my PSLF refund and an immediate resolution regarding the status and delivery of the refund I am owed. 

I am also requesting that any penalties, delays, or miscommunications resulting from Mohela 's handling of my case be documented and addressed. 

Please advise on the next steps and whether further documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have unauthorized inquires on my consumer report that reporting all XXXX bureaus i filed a ftc report and contacted experian equifax and transunion they refused to remove the inaccurate inquiries from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have unauthorized inquires on my consumer report that reporting all XXXX bureaus i filed a ftc report and contacted experian equifax and transunion they refused to remove the inaccurate inquiries from my consumer 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 2025-05-29 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> I was double charged for car loan payment. I made a payment early thinking that I should be good and I get double charged one of the payments with a late fee. I always been having issues with my USAA account from XXXX. I am being told that it will take XXXX business days for them to make an decision to give me back my money that their system took out of my account. I need this money return as soon as possible

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 2025-05-29 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: CA

Complaint narrative:
I'm writing to dispute incorrect information that is currently being reported on my credit file. Let me be clear this account/item is not accurate, and it should have never made it onto my report in the first place.

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