vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to report an ongoing and unresolved issue involving inaccurate credit reporting by MOHELA, a federal student loan servicer. Despite having received full loan forgiveness under the Public Service Loan Forgiveness ( PSLF ) program, MOHELA continues to report conflicting and incorrect information to the credit bureaus regarding my student loan account. 

Here are the facts : On XX/XX/year>, I received written confirmation from MOHELA ( Ref. No. XXXX ) that I had met the requirements of the PSLF Program and that my loans had been fully forgiven. 
My online record at StudentAid.gov clearly shows that I completed 120 qualifying payments and that no additional payments are required. The balance on both of my consolidated loans is listed as {$0.00}. 
Despite this, MOHELA has continued to report the same loan account as both open and closed, with slightly different balances and conflicting account statuses under the same loan number. This misreporting persists even after I previously filed a complaint and provided documentation showing the loans were fully discharged.

This is a clear error. I no longer hold an account with MOHELA, and this loan should be reflected in all credit reporting as closed, satisfied, and with a {$0.00} balance. This ongoing reporting inaccuracy has the potential to negatively affect my credit and financial standing. 

I am requesting that the CFPB take action to : Ensure MOHELA corrects its reporting with all credit bureaus. 
Ensure the loan is reported as closed and fully forgiven with a {$0.00} balance and no further obligations. 
Prevent further duplicate or erroneous entries tied to this account. 

I have uploaded the following supporting documents with this complaint : MOHELA forgiveness letter dated XX/XX/year>. 
Statement showing XXXX balance on both loans. 
Screenshots from XXXX confirming 120/120 payments and completed loan obligations. 

Please let me know if any further information is required. I appreciate your assistance in resolving this matter and ensuring accurate and lawful reporting by loan servicers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-14 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: TX

Complaint narrative:
The HARD INQUIRIES, LATE PAYMENTS, COLLECTION listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries, late payments and collection need to be removed : HARD INQUIRIES : XXXX - XX/XX/XXXX Equifax. I don't reconognize this account. 
XXXX XXXX - XX/XX/XXXX Equifax. I don't reconognize this account. 
XXXX XXXX Equifax. I don't reconognize this account. 
XXXX XXXX Equifax. I don't reconognize this account. 
These credit cards were never paid late : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX,- Not late those months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,- Not late those months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,- Not late those months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : - ( Original Creditor : ) XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : - I don't reconognize this account. 
I request an investigation and the immediate removal of these inquiries, late payments and collection from my credit report, as they were not initiated or approved by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: AR

Complaint narrative:
My account was hacked. The account was closed and the new account was opened and the total balance was transferred to the new account. This account should be showing as paid in full and closed yet it is still showing a balance and they have not updated any information on this account since 2024.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My PayPal account was suddenly limited, and I was asked to verify an old debit/credit card that I no longer have access to. This card was closed years ago, and I no longer possess any statements or documents related to it.

I contacted PayPal support multiple times to explain that I can not provide documentation for a card I do not have, and I requested alternative ways to verify my identity or regain access. Support informed me that 'no other verification methods or escalation options ' are available.

Because the account is limited, I also can not add a new bank account or card to withdraw funds. This means the money in the account is completely inaccessible.

As a result, I am completely locked out of funds I legally own, with no resolution path available through normal support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit bureaus

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
account paid in full, I was told account would be reported as closed off and satisfactory

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 2025-06-14 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:
List of accounts below has violatebd my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am filing this complaint to dispute an Apple Card that was fraudulently opened under my name. The account in question is associated with Goldman Sachs Bank USA ( issuer of Apple Card ), but it was not opened or authorized by me.

The following key facts support my identity theft claim : The Apple Card account was not opened by me and was not authorized in any way.

The email address and phone number associated with the account are not mine.

I have never applied for or been approved for an Apple Card, yet I am being affected by an account that has fraudulently used my personal information.

Due to this identity theft, I am currently unable to open an Apple Card in my own name, as the system indicates a duplicate or pre-existing application.

This fraudulent activity is negatively impacting my financial standing and ability to use financial services. I am requesting the CFPB to : 1. Open an investigation into how this account was created using my identity.

2. Require Goldman Sachs ( Apple Card issuer ) to provide detailed proof of account creation, including IP addresses, associated devices, and identity verification used.

3. Request the account to be removed from any credit bureaus and permanently closed.

4. Provide written confirmation that this account has been identified as fraud and will not affect my ability to apply for an Apple Card in the future.

Attached supporting documents ( if applicable ) : Government-issued ID Proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I requested the monthly service ( XXXX {$15.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and overdraft fees ( remaining {$26.00} on XX/XX/XXXX ) to be refunded, but they were rejected due to the maximum amount of refund reached for the year. I was informed that the maximum amount for the year is {$180.00} for the refund. Thus far, the amount refunded by Chase Bank is only {$97.00} since I opened the account on XX/XX/XXXX. There is still room to be refunded for the above-mentioned fees totaling to {$71.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot advertised different tiers for a {$50.00} promo if I spend $ XXXX {$990.00} and {$100.00} promo if you spend over {$1000.00}. I made a purchase for {$560.00} for purchases on XX/XX/XXXX & XXXX, 2025. When I applied for the card no {$50.00} promo was applied. 

I talked with XXXX then XXXX at Citibank. When I found out this was a bait-and-switch tactic I asked XXXX to confirm the credit card company for Home Depot because I was going to now file an CFPB complaint and he would identify he was representing Citibank. 

It turned out I returned the item unopened due to poor condition of the packaging and rotting tape. I was told by XXXX I'm no longer eligible for the promo but XXXX later told me if I made a new purchase within 30 days of account opening I'm eligible for the promo. 

I am filing this complaint because Home Depot is engaging in a bait-and-switch tactic. 
Customers see the promo during the purchase, click to apply for the Home Depot Credit Card, then are charged the full amount with no promo applied. When the bill is received in the mail there is no promo applied. Both XXXX and XXXX told me the customer needs to call and request a new account credit, this is not disclosed in the promo. 

I estimate millions of dollars in promotional credits that are advertised by Home Depot to customers are never received because they are billed the full amount.

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 2025-06-14 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: GA

Complaint narrative:
I have submitted four formal disputes to Equifax requesting removal of multiple unauthorized hard inquiries from my credit report, all of which stem from identity theft associated with the Equifax Data Breach ( Case No. 1:17-md-2800-TWT ). I am a confirmed victim and have filed a valid FTC Identity Theft Report ( No. XXXX ). 

Equifax specifically instructed me to list the exact dates of each fraudulent inquiry on my FTC Identity Theft Report in order for them to process my dispute. I followed those instructions and submitted : The FTC report with inquiry dates A copy of my government-issued ID Proof of current address Despite fully complying with Equifaxs instructions, they refused to remove the inquiries and falsely claimed my documentation was insufficient. Their refusal to act constitutes intentional misrepresentation and willful violation of multiple consumer protection laws. 

The following fraudulent inquiries remain on my report and must be removed : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX These inquiries are materially harming my credit profile and financial opportunities. Equifax is violating : Federal Laws : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Requires removal of identity theft-related items within 4 business days FCRA Sections 611, 616, 617 Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Federal Trade Commission Act ( 15 U.S.C. 45 ) Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Truth in Lending Act ( TILA ) Gramm-Leach-Bliley Act ( GLBA ) FTC Safeguards Rule Electronic Fund Transfer Act Civil Rights Act Title VI Georgia State Laws ( Equifax is headquartered in GA ) : O.C.G.A. 10-1-393 Georgia Fair Business Practices Act O.C.G.A. 16-9-121 Georgia Identity Theft Law O.C.G.A. 10-1-910 Georgia Personal Identity Protection Act O.C.G.A. 13-6-11 Entitles recovery of legal costs for bad faith Equifax has continued to report these inquiries despite receiving full legal notice and documentation. Their behavior is deceptive, abusive, and harmful. 

I am requesting that the Consumer Financial Protection Bureau demand immediate removal of these inquiries, ensure Equifax complies with all legal obligations, and hold them accountable for repeated violations. 

This complaint has also been sent to the following parties for review and legal escalation : XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA Georgia Attorney General Consumer Protection Division U.S. Department of Justice Civil Rights Division Federal Trade Commission ( FTC ) I am seeking full deletion of these inquiries, written confirmation, and any applicable penalties to be enforced for Equifaxs noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief