vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the discharge of my student loans based on a violation of the Family Educational Rights and Privacy Act ( FERPA ) . It has come to my attention that my educational records were improperly disclosed without my consent or knowledge, which is a direct violation of FERPA provisions. As a result, I am requesting that my student loans be discharged as I believe this violation compromises my right to privacy under federal law.

FERPA, under 20 U.S. Code 1232g, mandates that educational institutions must maintain the confidentiality of student records. Specifically, it prohibits the disclosure of personally identifiable information from a student 's education records without the student 's written consent, except in certain circumstances. A violation of this law occurs if a student 's records are improperly shared or made accessible to unauthorized individuals, which has happened in my case. 

Thank you for your attention to this matter. I look forward to your response and to resolving this issue as swiftly as possible. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Managment the account is in collection, never once received anything in the mail about it for the amount of {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I disputed the debt and it came back verifed, how were you able to verify this debt? Who did you speak with about this debt? Did you see my signature on any contract with these creditors? please provide details XXXX XXXX  {$2200.00} XXXX XXXX  {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$870.00}

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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: MN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and delete them within 4 days : 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 GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$190.00}

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 2025-05-27 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: GA

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), please block and delete them within 4 days : 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 GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$190.00}

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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The Truist mortgage account in question belongs to my late relative who died last XXXX. I am the successor trustee. 
Family made mortgage payments on-time each month. Since his passing, Truist starts sending them back, every single month, to the relative 's vacant home. We send all trustee documents to the mortgage company, per its request, to address the issue. Receipt is acknowledged. 
We continue to make payments each month on time. Mortgage company returns them repeatedly to the address of the deceased -- even after we provide them the appropriate address to send notices to. Noticing the repeated bank error, we resend payments multiple times in the month of XX/XX/year>. Bank records show the mortgage company cashed them, but mortgage company claimed later it has no record of those payments. We have proof the funds were taken out of the account. We have no idea where they were applied, and Truist has the audacity to admit the same! 
I have documented this ongoing issue by email with Truist Survivors office. Rarely do they respond to repeated requests to resolve this. When we call, if we can get someone to answer, they are overseas and say they can not do anything. 
Meanwhile late fees keep adding up and the account is delinquent -- through no fault of our own. This has been going on for seven months now, with the mortgage company refusing to address its errors -- even after being brought to its attention repeatedly. 
We believe these delays are intentional for deceptive purposes against the consumer to fraudulently add on late fees. 
Any assistance this agency can provide would be greatly appreciated.

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 2025-05-27 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: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-27 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: MI

Complaint narrative:
I am filing this complaint regarding XXXX XXXX and their mishandling of my credit builder account. I enrolled in their credit-building loan product and set up autopay for all payments. While the company has consistently withdrawn their monthly subscription fee, they have failed to withdraw the actual loan payments, which are meant to build my credit. 

As a result of this system failure, XXXX XXXX has reported a late payment on my credit report. This is both inaccurate and damaging, as I took all necessary steps to ensure payments would be made on time via autopay. 

I have made multiple attempts to resolve this directly with XXXX XXXX by email, but I have only received minimal and unhelpful responses. The issue remains unresolved, and the inaccurate late payment is still negatively impacting my credit. 

I am requesting that XXXX XXXX immediately remove the late payment from my credit report and correct any inaccuracies associated with my account. I also request that they review and resolve the technical issues related to their autopay system, which failed to process the loan payments despite being properly set up. 

I hope this matter can be resolved promptly and fairly

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-27 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: GA

Complaint narrative:
I am a victim of identity theft and the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: TX

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly ask that you investigate this matter, refresh and update my credit file as necessary, and ensure that my credit score becomes viewable and accessible as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Barclays US denial of billing dispute. 

Dear Sir / Madam, We paid XXXX XXXX ( XXXX ) for XXXX tickets from XXXX, XXXX  XXXX XXXX XXXX ) to XXXX, XXXX XXXX ( XXXX ) with transfer in XXXX, XXXX ( XXXX ) and charged that amount to our JetBlue Card from Barclays Bank ( Barclays ). 
XXXX XXXX assigned XXXX XXXX XXXX XXXX ( XXXX ), its trusted partner of their XXXX, to serve our flight from XXXX to XXXX and on the way back from XXXX to XXXX. XXXX flights were paid off through XXXX, we did not choose XXXX ourselves, nor asked XXXX to choose any other air partner for us, XXXX was chosen for us by XXXX and was paid for as XXXX transaction buying XXXX tickets. 
Our tickets included XXXX ( one ) free checked-in bag per person. We paid nothing, XXXX, according to the purchased tickets conditions, for XXXX bag we checked in from XXXX to XXXX and it was successfully delivered to XXXX by XXXX and to XXXX airport by XXXX where we received that XXXX checked in bag without any issues and / or any payments. 
On the way back from XXXX to XXXX in XXXX airport we presented our XXXX tickets and were told by XXXX agent that XXXX computer system is not connected to XXXX computer system and XXXX in XXXX cant see that our XXXX bags we were looking to check in should fly for free. XXXX forced us to pay {$80.00} XXXX each, for XXXX bags that came to {$160.00} XXXX. We had no choice not to fly, nor choose XXXX we paid to, nor fly without our heavy XXXX lbs bags. 
We were told by XXXX agent that XXXX in XXXX will reimburse {$160.00} charges on the spot there. In XXXX we were told that upon arrival to XXXX we should call XXXX and it will reimburse the charge. On the call to XXXX we were told by XXXX who we paid for tickets that included free checked-in bags both ways that XXXX will not reimburse us {$160.00} and XXXX ( XXXX!! ) should pay that since we ( were forced to ) pay XXXX. We were back to square one opening a billing dispute with the credit card on the basis of XXXX breach of contract. 
JetBlue Card from Barclays dispute department is claiming now that their agent did not record all the information above that was given to her on the phone while opening the dispute, that they have not enough information that warranted this explanation letter. 
We are looking to have US {$160.00} reimbursed. Thank you for looking into it. 
Regards, 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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/year>2025 ( XXXX  transunion, XXXX  ) gave inaccurate information from the court regarding my apartment to other apartments I have been applying too and have been denied many times, I was not ever evicted or do I owe any money to my landlord to which I am still living here. The information has put a big burden on my life and my family. I am trying to move and cant move because of this false information on my tenant screening.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I settled and paid off my JCPenney credit card ( through Synchrony Bank ) for less than the full balance. My XXXX report shows a {$0.00} balance, but the account status still says Open. This is misleading and inaccurate. The account should be marked as Closed Settled for less than full balance. In addition, Synchrony Bank has not provided a proper letter confirming that the account has been settled and closed, despite my requests. Instead, they responded vaguely saying that they reported everything accurately, without addressing my concerns or providing the appropriate documentation. 

Synchrony Bank has not provided a proper letter confirming that the account has been settled and closed, despite my requests.

Synchrony Bank has not provided a proper letter confirming that the account has been settled and closed, despite my requests.

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 2025-05-27 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: EQUIFAX, INC.
State: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation