vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. 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 XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX & XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$130.00}

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 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: WA

Complaint narrative:
I checked my loan account on XXXX and saw that {$95.00} of interest had accrued on or before XX/XX/year>. This should not have happened since interest was paused while I was on the SAVE plan. I am aware that interest is accruing now, but there should not be any amount of interest right now. 

If interest is accruing, then why does it show as XXXX XXXX interest rate on my EdFinancial account? How can I know what interest to pay off if it doesn't even show on my account? My loan is growing behind the scenes without me knowing which seems very illegal.

My EdFinancial account also says my next payment is due XX/XX/year>, yet when I call they say it's due XX/XX/year>. Which is it? 

If interest is accruing even though I am on the SAVE plan ( A plan that is meant to pay for the interest so long as I make payments ) then I should be able to defer for now since I can not make payments at all. However, the organization prevent me from deferring while adding interest to my account without my awareness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 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: MI

Complaint narrative:
I am filing a formal complaint regarding multiple hard inquiries that have appeared on my credit reports with Equifax, TransUnion, and Experian. These inquiries were not authorized by me, and in several cases, I either did not initiate a credit application or was not given proper disclosure or consent protocols required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the immediate removal of the following hard inquiries from my credit reports due to lack of permissible purpose and failure to provide proper authorization : XXXX XXXX XXXX  XXXX XXXX Equifax & TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX ( Experian & TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX These inquiries are having a negative impact on my credit scores and were either 1 ) not initiated by me or 2 ) resulted from rate shopping or duplicate pulls beyond what is reasonable. 

Under the FCRA ( 15 U.S. Code 1681b ), a hard inquiry requires a consumers full knowledge and explicit authorization. I have reached out to the respective companies, and some have failed to provide documentation proving my consent or permissible purpose. 

Therefore, I request that the CFPB investigate these inquiries and compel the credit bureaus to remove any that can not be verified with signed consumer authorization. I also request confirmation of the results of this investigation and removal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a formal complaint regarding multiple hard inquiries that have appeared on my credit reports with Equifax, TransUnion, and Experian. These inquiries were not authorized by me, and in several cases, I either did not initiate a credit application or was not given proper disclosure or consent protocols required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the immediate removal of the following hard inquiries from my credit reports due to lack of permissible purpose and failure to provide proper authorization : XXXX XXXX XXXX  XXXX XXXX Equifax & TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX ( Experian & TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXX These inquiries are having a negative impact on my credit scores and were either 1 ) not initiated by me or 2 ) resulted from rate shopping or duplicate pulls beyond what is reasonable. 

Under the FCRA ( 15 U.S. Code 1681b ), a hard inquiry requires a consumers full knowledge and explicit authorization. I have reached out to the respective companies, and some have failed to provide documentation proving my consent or permissible purpose. 

Therefore, I request that the CFPB investigate these inquiries and compel the credit bureaus to remove any that can not be verified with signed consumer authorization. I also request confirmation of the results of this investigation and removal action.

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 2025-08-04 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:
List of inquiries reporting on my transunion account that i do not recognize nor did i apply for them : XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XX/XX/XXXX 2024

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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I bought a new car, and the loan payment is through XXXX XXXX. I used my XXXX  XXXX XXXX account to make the first payment. XXXX sent them a check on XX/XX/year>, but XXXX never received it. XXXX  has proof that the check was delivered on XX/XX/year>. After canceling the check XXXX sent, I went to a XXXX XXXX  in XXXX, NJ, today to drop off a personal check because the car payment was due today, XX/XX/year>. The woman assisting me, XXXX, assured me the payment went through and gave me a receipt. I checked my account later this evening, and the payment was not showing. I called XXXX XXXX, and the woman helping me said the payment should have been posted by now and there is no record I went to the bank to drop off a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NV

Complaint narrative:
Checkr , Inc. is reporting outdated and harmful criminal record information from XXXX and XXXX on my background checks, which are now over XXXX XXXX XXXX and should not be used for employment-related decisionsespecially for part-time, low-income gig work. 

These reports were distributed to XXXX, XXXX, and XXXX, all of which either deactivated or denied me access to their platforms after receiving Checkrs background report. I receive XXXX XXXX and was seeking only part-time work within legal income limits to support myself and my family. I have not been arrested or charged with any crime since XXXX and have lived a clean and rehabilitated life for nearly two decades. 

I disputed the background check, explaining that these convictions are not only outdated, but also non-violent and ineligible for reporting under Maryland General Business Law 14-1203 ( a ) ( 5 ) ( i ), which limits criminal conviction reporting to 7 years unless the income exceeds {$20000.00}. My expected earnings were well below that threshold. Despite my dispute and supporting evidence, Checkr refused to remove the harmful content and continued distributing it. 

This has caused me to be wrongfully flagged across multiple gig platforms, resulting in blacklisting, financial ruin, XXXX, the loss of a romantic relationship, and severe emotional harm. I have submitted complaints to multiple agencies including the EEOC, FTC, and Maryland Attorney Generals office. I am also pursuing legal action under the Fair Credit Reporting Act and ADA.

I am demanding that Checkr immediately remove this inaccurate and damaging information from my reports and cease distribution to third-party platforms. I also demand a full investigation and correction of all legal violations committed by Checkr.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Synchrony bank closed my Amazon store card due to what they claim was a review of my credit profile. I have paid this card on time every month and generally pay in full. My complaint is that when they closed my card they took {$85.00} in rewards dollars that I had accrued from spending on their card and paying on time. When I called to ask to have those reinstated ( I dont even need the card ), the refused saying they were forfeit when the account was closed. 

I did not choose to close the account and had no negative history to warrant this closure so I believe synchrony closed the account to steal the {$85.00} from me and not have to pay out the rewards.

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 2025-08-05 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:
My credit report contains multiple inaccurate and unverifiable items that are negatively affecting my credit profile. I have previously submitted disputes to the credit reporting agencies, but several of those items were not properly investigated and were marked as verified without legitimate documentation or explanation.

In addition, I have now identified new inaccurate or outdated entries that have not yet been disputed. These items are also harming my credit and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), including sections related to the duty to maintain maximum possible accuracy and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting a full reinvestigation of all disputed accounts, immediate deletion or correction of any unverifiable or inaccurate information, and confirmation that the credit bureaus and furnishers have complied with FCRA obligations.

Supporting documentation has been attached to show the errors and previous attempts to resolve them.

I expect a fair and lawful resolution to this complaint. Thank you.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-04 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: PA

Complaint narrative:
I have been trying to get help with my mortgage since I lost my job. I tried to make a payment arrangement, but was not able to make the payments because the company keeps applying fees that have no merit. I made a payment in XXXX and was advised that the payment was returned for insufficient funds. I informed the representative that this was incorrect, but I provided the payment once again. I was advised once again that the payment was returned. I called and spoke to a representative who stated that their organization does not do business with my bank. I asked if there was a list of financial institutions that they do not do business with, and I could have it. I was advised that they do not provide that information to consumers because we should already know. I sent an email on XX/XX/year> with screenshots of a conversation with my bank stating that the transactions were never processed and awaited a response. When none was given by XX/XX/year>, I gave a call back and spoke with XXXX, who advised me that nothing could be done, that the XXXX stated the charges would stand. When I asked to be transferred to that Supervisor, I was advised that she could not, and the supervisor had already ruled, so there is nothing I can do but pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: OH

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

1681c-2 ) that you, the Equifax Information Services , 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. 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 XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally request a review and resolution regarding mismanagement of my SAVE plan enrollment by my loan servicer, Mohela, which has resulted in {$4100.00} in avoidable interest accrual and potential loss of progress toward IDR forgiveness.

Background : - I submitted my initial request to enroll in the SAVE plan in XX/XX/XXXX. 

- At that time, the enrollment process was not functioning correctly on Mohelas platform nor application form, but I was advised to follow up and check back.

- I made multiple follow-up calls and submissions between XX/XX/XXXX and XX/XX/XXXX. I spent many hours on the phone with both agents and supervisors. 

- On XX/XX/XXXX, I was issued Case Number # XXXX by a Mohela supervisor, who reviewed my file and agreed that I had taken the proper steps to enroll in SAVE and that my account should be backdated accordingly.

Mohelas failure despite my clear and documented attempts : - My account was not properly enrolled in SAVE, only after several calls, applications, and interest accrual.

- I was placed into a forbearance with accruing interest, which contradicted the Department of Educations policy to place eligible SAVE borrowers in 0 % interest forbearance ( retroactive to XX/XX/XXXX ). 

- Ive now accrued {$4100.00} in interest due to a failure entirely outside of my control.

My Request : - Retroactive enrollment into the SAVE plan starting XX/XX/XXXX, the date of my original application.

- Reversal or refund of all interest accrued during this period as a result of Mohelas administrative errors.

- Restoration of IDR or PSLF forgiveness credit for the months lost due to misclassification.

I have been cooperative, consistent, and timely throughout this process. Mohelas own records and agent testimony confirm this.

This issue has caused undue financial and emotional stress, and I am asking for a fair and corrective resolution that aligns with the U.S. Department of Educations own policies and intent.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
There's a couple of things going on in this bank. First they are still using there fraud filters to handle our claims. Second they are taking more money from my account then I owe. Next they are denied my claims without an investigation. Next they have never giving me an provisional credit for my claims and the ones that they approved they don't pay. Last but not least the don't have the same information that I have on my accounts and there dates information is wrong. They had me on the phone for 4 hours sending me back and fourth between two departments but same representatives and they all lied about my money. Also when my boyfriend tried to to sign up for an account my account came up stating he already has an account. When ask but to speak with a manger or supervisor they hang up or have you on hold for hours just to speak with the same person pretending to be the supervisor. All the things they are doing are against the law. Someone needs to really look into this because no one is above the law. But this bank seems to think they are.

Company response to consumer: Closed with explanation