vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
As stated in the form, I reached out to Federal Student Aid and the loan servicer - MOHELA- several times to fix this issue. I submitted a Payment Calculation Reconsideration form to FSA in XX/XX/XXXX and still have not received a response. The issue is as follows : 1 - I recently qualified for Public Service Loan Forgiveness loan discharge and all of my loans were discharged with exception of one loan. This is an error. The error is that payments made from XX/XX/XXXX through XX/XX/XXXX are marked as " ineligible '' which is incorrect as during this period I was serving in the XXXX XXXX which qualifies as eligible ( this employer was certified multiple times ). This needs to be fixed by FSA and correct the status marked as " eligible ''. This loan then needs to be forgiven and discharged like the others.

2 - I overpaid all of my loans while awaiting PSLF certification and discharge. In the letter from MOHELA confirming discharge of the majority of my loans ( except the outlined above ), it states that they will put overpayment amounts towards remaining loans. It appears that MOHELA - without contacting me- put the over {$5000.00} of overpayment toward this remaining loan, but as stated above, this loan should have been discharged along with my other loans. What will happen once this eligible payment reconsideration issue is rectified? How will I be reimbursed for the amounts that I overpaid including this amount that should not have been put towards a loan that should have already been forgiven/discharged?

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Web Bank XXXX is reporting that I owe money to them on my credit report I never opened a web Bank XXXX account this was opened at an address I never even lived at it is saying also that it was opened in XXXX says I have never made a payment but yet it shows it only delinquent since XXXX of XXXX everything is wrong on this account it's not mine please remove this account today please have them verify the address that this was opened at this was not my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Web Bank XXXX is reporting that I owe money to them on my credit report I never opened a web Bank XXXX account this was opened at an address I never even lived at it is saying also that it was opened in XXXX says I have never made a payment but yet it shows it only delinquent since XXXX of XXXX everything is wrong on this account it's not mine please remove this account today please have them verify the address that this was opened at this was not my address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
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 2025-07-18 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:
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 2025-07-18 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: NC

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX business loan accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. A personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, another personal credit card account at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. A car insurance policy at XXXX opened on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX  on XXXX XXXX XXXX under the account number XXXX, and a financing loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. Hard Inquiries include XXXX XXXX  on XX/XX/XXXX, XXXX/XXXX/XXXX on XX/XX/XXXX and XXXX of XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer Experian credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer Experian credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused 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 explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused 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
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via XXXX  mail with a tracking number of  XXXX XXXX XXXX XXXX XXXX XXXX  . The letter was delivered to Experian in XXXXTX  on XXXX at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX XXXX balance is $XXXX  and account number is  XXXX\n2.XXXX XXXX  balance is $XXXX and account number is  XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  XXXX - XXXX XXXX CARD - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplaintXXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I can not place a freeze with Equifax. I could with the other XXXX. Online it is error code CID and their phone does not work. I can not get ahold of anyone. It stays on the main screen. This is to prevent identity theft. It wouldnt let me make an account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We have a XXXX bank account that belongs to the estate of a deceased genealogical family member. He worked for a federal agency. And the records show that a federal procedure was used in error to place the bank account in federal hands. And the account balance / lifetime earnings > was wrongfully taken out of state with this federal procedure. It is even known as an erroneous re4clamation. We identified the federal agency ( XXXX ) responsible - because they are written on the forms/ and they refuse to admit any wrongdoing - accountability. The federal procedure forms have the FRB trace numbers along with the U.S. Treasury dates and trace numbers. Question is how can a bank account that is obviously on record as being taken by mistake be returned by the federal agency with jurisdiction. They should certify the return, but they are not cooperating. Some are saying typos caused an identity issue. And what if they are using government to steal? In this case we see the XXXX Federal Reserve Bank is involved > According to the XXXX which is a federal manual that shows the funds are converted into Certificates of Deposit. And would be listed with the FRB / XXXX. Also -Treasury Direct employees have reported the funds are in Marketable securities/ and in book entry form. The systemic abuse is too much. And the bank account is stuck in federal custody frozen. HELP-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Whats Unusual Here? 
1. Fifth Third explicitly listed No Evidence of Property Ownership as a key reason for my denial.

That is not standard.

Most banks do not use property ownership status as a pr
imary eligibility factor for a checking account.

2. XXXX changed their reporting format, removing mention of asset or property ownership. 
They now report general inquiry activity only. 
This change suggests XXXX  quietly moved away from asset-based scoring but Fifth Third is still relying on outdated or internal scoring that includes it. 

XXXX. I was given a moderate risk score ( XXXX ) with no negative activity in on file. 
Thats not a score that would typically trigger a denial at a fair institution. 
It would usually lead to approval with limitations ( e.g., no overdraft ) not outright rejection. 



Why This Matters I am not being denied due to bad banking behaviour. 
I am being denied due to an algorithmic bias against people who dont own property or have extensive financial records, which disproportionately affects : Young people Renters Disabled or low-income individuals Anyone trying to build financial independence This is not explicitly illegal, but its borderline discriminatory when applied rigidly without context or manual review. 

I was denied a checking account at Fifth Third Bank on XX/XX/year>, based on XXXX  data. Their denial letter specifically cited No Evidence of Property Ownership and Asset Ownership History as key factors. My XXXX report contains no negative activity, unpaid balances, or fraud only low inquiry history. This appears to be a discriminatory policy that penalizes me for not owning real estate, which is not a valid basis to deny basic financial access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, my wallet was stolen. I contacted Wells Fargo that morning to tell them that I had unauthorized transactions on my account. Ive given them a police report as well and they still have declined paying me back or reimbursing me the money that was unauthorized. I dont understand why Because theyre giving a police report stating that I did not have any of my cards during the time of transactions. I also have a credit card that had unauthorized transactions on it. They have already reimbursed me for the transactions that are not authorized. The police case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank master card used to be my default card for XXXX. I switched to XXXX XXXX as my default card at the end of XX/XX/XXXX. Somehow default card on XXXX jumped back to Citi without me recognizing so I thought the charges at Citi were fraud. I called Citi bank and they disputed the charges and dropped the payments. Because XXXX didn't receive payments from Citi, they froze my account and asked for another form of payment. I then realized they weren't fraud charges so I instructed XXXX to use my XXXX XXXX card XXXX reopened my account. I called Citi back and told them the charges weren't fraud on XX/XX/XXXX, told them it's XXXX that switched the default card. 

Big mistake, I am now being punished by being honest! Becasue of that, Citi charged me again with those charges. I was being double charged. I called Citi back and they told me that someone would call me back regarding that matter. No one called. I called again on XX/XX/XXXX around XXXX and spoke to XXXX from the security team. She said again the billing department would call me and again, no one did. I called on XX/XX/XXXX arond XXXX, spoke to XXXX from dispute department. She PROMISED all charges would be dropped for the next statement as long as I pay the last balance of {$75.00}. I asked her for a email confirmation, she refused to and kept telling me to trust Citi bank. I paid off my {$75.00} on XX/XX/XXXX and the remaining balance is still {$640.00}. 

I called again on XX/XX/XXXX around XXXX. Spoke to XXXX from the security team. Wanted to escalate and she said no one was available and her manager will call me back. I can no longer go back and forth with them which no resolution. Please help me with the charges. 

The run down of the charges : XX/XX/XXXX {$41.00} XX/XX/XXXX {$5.00} XX/XX/XXXX {$61.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$71.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$130.00} XXXX of {$590.00} Please help and I am willing to escalate it to whatever it takes to get justice. Thank you once again!

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 2025-07-18 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: PA

Complaint narrative:
XXXX - XXXX was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief