vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington , DC XXXX Fax : ( XXXX ) XXXX -- - Subject : Formal Complaint Against XXXXComerica Refusal to Replace Card and Lack of Communication Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX, which is serviced by Comerica XXXX , regarding their failure to issue me a replacement card after my original card was lost, despite my full compliance with their required procedures. 

I have completed every step that XXXX requested, including : Submitting identity verification documents Contacting their customer service and/or dispute resolution line multiple times Faxing in supporting documentation to the numbers they provided Despite these efforts, XXXX has failed to issue me a replacement card, and they have stopped responding to my attempts to contact them. As a result, I am currently without access to my federal benefit funds, which has caused undue hardship. I rely on these funds for basic living necessities, including food, rent, transportation, and medical expenses. This has been ongoing since XX/XX/year>. 

I respectfully request the Consumer Financial Protection Bureau to intervene and investigate this matter. XXXXComericas negligence in handling this issue not only puts me in a financially vulnerable position but may also violate consumer protection standards.

If there's any information you need from me please don't hesitate to ask.

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-07-27 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: IL

Complaint narrative:
Complaint : Failure to Disclose XXXX XXXX XXXX Through XXXX  XXXX  Im filing a complaint regarding my XXXX  student loans, originally serviced by XXXX and now MOHELA. I filed for XXXX XXXX XXXX in XX/XX/XXXX, during which time I believed I was receiving full XXXX forbearance protections under the CARES Actincluding the 0 % interest rate. 

I only recently learned that my loans were commercially held XXXX loans, which were not eligible for the 0 % interest unless they were consolidated into a XXXX XXXX owned by the Department of Education. I was never informed of this option by XXXX, MOHELA, or any other party. I also was not told that there was a deadline of XX/XX/XXXX, to consolidate in order to become eligible. 

Because of this failure to communicate critical information, I missed the window to consolidate and lost out on years of interest relief that could have significantly impacted my financial situation. XXXX  did not disqualify melack of information did. 

I am requesting an investigation into the communication practices of my servicers regarding XXXX  loan consolidation during the XXXX  relief period, and whether they met their duty to clearly inform borrowers of available options and deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
At XXXX years old I'm a senior citizen and on social security. Over the past several years I've been trying to reach an Excellent credit score. I was just XXXX points away from that goal when the points started going in the opposite direction. The only debt I've had for the past 20 years is my mortgage and the only thing I did was refinance my mortgage for a lower interest rate. 

I called TransUnion for an explanation of the points going in a negative direction, and she told me because I don't have loans to prove my credit worthiness. What?! Now why, at my age, would I get into debt just to improve my credit score? She said, " because that's the way it is. '' I was flummoxed. 

I shouldn't be punished because I'm not in debt and would greatly a

ppreciate it if you would help me achieve my goal of an Excellent credit score that I deserve. Thank you! 

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, I experienced a prolonged medical hardship that caused temporary financial instability. As a result, I was unable to make timely payments on several accounts, including those held with : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I notified the creditors of the situation and have since resumed regular, on-time payments. I also submitted formal disputes with XXXX  and XXXX, citing FCRA XXXX ( a ) due to inaccurate and incomplete late payment reporting. 

Despite these efforts, the following issues persist : XXXX and XXXX XXXX continue to report late payments from XX/XX/XXXX, even though I have offered to provide medical records substantiating the emergency. 

XXXX reports a XX/XX/XXXX late payment despite requests for reconsideration based on hardship. 

Bank of America reports XXXX and XX/XX/XXXX delinquencies on my auto loan, which were directly caused by hospitalization. 

XXXX XXXX continues to report a XX/XX/XXXX late payment that is outdated and not adequately verified. 

XXXX XXXX has not responded to my goodwill adjustment request despite a strong payment history and clear evidence of temporary hardship. 

I have made every effort to resolve these issues directly, including sending detailed dispute letters and goodwill requests. The credit bureaus and creditors have either failed to respond or have not provided original source documentation to verify the accuracy of the derogatory information, as required by FCRA 611 ( a ) ( 5 ). 

These ongoing inaccuracies are now preventing me from obtaining a medical personal loan necessary to continue treatment. I requested expedited reinvestigation and offered documentation ( hospital bills, physician letters ), but no resolution has been provided. 

I respectfully request the CFPB : Enforce my rights under FCRA 602 ( a ) ( 1 ) ( 4 ) and 611 Ensure creditors and bureaus delete unverifiable or inaccurate derogatory data Encourage all named companies to reconsider their goodwill adjustment policies in light of medical hardship and the Equal Credit Opportunity Act ( ECOA ) Thank you for your help in protecting consumer fairness and financial access during medical emergencies.

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 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I ordered swimsuits from XXXX XXXX XXXX through the XXXX XXXX. I returned the items, but I never received a refund. I contacted the merchant and Affirm, but the merchant blocked me and refused communication. Affirm said the merchant doesnt offer refunds, only exchanges, but when I placed the order there was no clear no refunds policy visible.

I provided a return receipt and screenshots, including evidence that the store blocked me. Affirm still closed the dispute in favor of the merchant. I reopened the case, provided more proof, and was still denied.

I feel this is unfair and dishonest. I followed all return steps, but both the seller and Affirm ignored my rights and refused to issue a refund. I now have to pay for something I returned and do not have.

The total amount was about {$170.00}. The return was made shortly after the order, in accordance with reasonable expectations.

I believe Affirm failed to protect the customer, and the merchant did not clearly state their policies at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a Chase XXXX XXXX XXXX credit card. I made a balance transfer for {$15000.00} with a {$750.00} fee on XX/XX/XXXX. That billing cycle ended on XX/XX/XXXX. The next billing cycle was from XX/XX/XXXX - XX/XX/XXXX. I made two purchases with XXXXXXXX XXXX XXXXXXXX that billing cycle : 1 ) XX/XX/XXXX for {$200.00} and 2 ) XX/XX/XXXX for {$42.00}. Also, I made a payment for {$1700.00} on XX/XX/XXXX. On XX/XX/XXXX, I was billed {$3.00} in purchase interest charges for that billing period. I was also charged {$3.00} in purchases interest charges on XX/XX/XXXX for my statement from XX/XX/XXXX - XX/XX/XXXX when I had {$0.00} in purchases for that billing cycle. Also, I have never carried a balance other than the 0 % APR balance transfer amount. Therefore, the purchase interest charges were a violation of the Credit Card Act of 2009, as Chase even states on their own website here : https : //www.chase.com/personal/credit-cards/education/basics/how-are-credit-card-payments-applied At the bottom of the webpage at that link, it says, " The Credit CARD Act of 2009 stipulates that any excess payments you make ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR. If there is any amount leftover, this will be applied to the balance with the second highest rate of interest. You'll usually make more progress in bringing down your balance faster if you pay more than the minimum balance by your due date, especially if you are being charged interest. '' When I called Chase, they did credit the finance charges, but neither of the two agents I talked to gave me an accurate explanation of why I had been charged purchase finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I currently have my vehicle financed through Exeter. Several months ago, I attempted to trade in the vehicle and was informed by multiple dealers that it had negative equity. When I visited another dealer this month, I was told the negative equity had increased since my previous visit. 

Following my initial trade-in inquiry, I contacted Exeter by phone to verify the loan balance and payment application. I was alarmed to learn that only about 25 % of my monthly payments, after a full year of timely payments, were being applied toward the principal balance, with the remaining 75 % going toward interest. 

I am contacting the CFPB to demand a thorough review to ensure my payments have been applied correctly. If the payments have been misapplied, I expect immediate correction. Improper application of payments directly increases my negative equity, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I am filing this complaint against Citizens Pay XXXX XXXX for their failure to respond to a lawful dispute of a collection account that is currently being reported to the credit bureaus. I mailed a formal dispute to their address regarding the accuracy and validity of the account in question. 

The dispute was sent via certified mail and delivered on XX/XX/year>2025, as verified by the stamped return receipt which I am uploading as evidence with this complaint. As of the date of this filing, more than 30 days have passed and I have not received any response, investigation results, or notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

This is a clear violation of my rights under federal law. According to the FCRA, a furnisher of information is obligated to : 1. Conduct a reasonable investigation upon receipt of a consumer dispute.

2. Notify the consumer of the results of that investigation within 30 days.

3. Delete inaccurate, unverified, or non-responded information from the consumers credit file. 

Because Citizens Pay/ XXXX  failed to respond at all within the required timeframe, the collection account must be immediately removed from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. 

I am demanding immediate investigation and deletion of this account from all credit reporting systems. Their non-compliance not only violates federal law but has also caused ongoing harm to my creditworthiness and access to financial opportunities. 

Supporting Documents : Copy of the certified mail return receipt stamped delivered XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-27 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: GA

Complaint narrative:
I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 15 U.S.C 1681C-2, which requires immediate removal of fraudulent information resulting from a data breach.

I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 15 U.S. Code 1681e ( b ), as this account is in active legal procedures.

I am requesting the immediate removal within four days of the fraudulent account from my credit report pursuant to 1681i ( a ) ( 5 ) ( B ), illegal re-insertions, failure to notify, and disceptive reporting practices.

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