vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Summary of Complaint : In XX/XX/year>, I paid off my XXXX XXXX XXXX ( issued by Synchrony Bank ) in full with the intent to close the account. I was informed by Synchrony that my balance was XXXX and that the account would be closed. However, I was later charged {$9.00} in trailing interest that had not been disclosed at the time of account closure. This charge then accrued further interest and fees, now totaling {$15.00}. 

When I called customer service on XX/XX/year>, and escalated the call, I was told it was impossible to pay off the card and close the account due to an uncalculable future interest that would appear on a later statement. This circular logic makes it functionally impossible to sever ties with the institution, leaving me locked into a billing cycle despite my efforts to close the account in good faith. 

The customer service agent was empathetic, but the policy itself feels unethical and predatory.

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 2025-06-04 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: DE

Complaint narrative:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I requested the company to stop contacting me via phone calls or messages, but they refused. During a phone call, they told me ( and I have a voicemail recording as evidence ) that they will not stop calling and that they will continue to harass me. 

Additionally, without confirming my identity, they shared my full name and complete Social Security number over the phone, which put my personal information at risk. They disclosed this private information without verifying that they were actually speaking to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Equifax is reporting inaccurate personal information on my credit report, listing my current address as XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX and a previous address as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Neither of these addresses is correct or associated with me. These false address listings are causing confusion and potential harm to my credit profile, as accurate address information is crucial for proper identity verification and credit decisions. 

I have never lived at either of these locations, and their inclusion on my report strongly suggests a failure in Equifaxs data collection and verification process. Considering the prevalence of data breaches and improper handling of consumer information across various platforms, it is highly likely that these inaccuracies are the result of data contamination due to a breach or systemic reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to maintain maximum accuracy in all information it reports ( 15 U.S.C. 1681e ( b ) ). Additionally, under 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unverifiable information, and Equifax must conduct a reasonable reinvestigation within 30 days of receiving this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-04 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: IL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report.i disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center P.O.Box XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Reporting ( XXXX XXXX XXXX ) Dear Transunion, I am disputing ( XXXX XXXX XXXX ) on my credit report due to non -compliance with Metro2 standards. 
The account is inaccurately reported as '' OPEN '' Under the Fair Credit Reporting Act ( FCRA ), all data must be accurate and verifiable.I request you : ( 1 ) Verify the account 's accuracy and Metro 2 compliance. 

2 Remeove the account if it can not be verified. 

Drivers License number is XXXX last four of social XXXX for verification Please respond within 30 days SINCERLEY, 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
I am filing a formal complaint against MOHELA for administrative servicing violations during the processing of my SAVE Income-Driven Repayment ( IDR ) application. 
My IDR application was submitted on XX/XX/year>. 
MOHELA failed to timely process my IDR application. 
My loans were placed into two separate administrative forbearances totaling over 120 days while interest continued accruing. 
These delays caused improper servicing of my loans and potential interest capitalization. 
These actions mirror servicing violations currently under federal investigation and active litigation ( XXXX v. MOHELA, XXXX v. MOHELA ). 

I am requesting CFPB oversight to : Review MOHELAs servicing failures on my account. 
Audit my account for improper interest capitalization. 
Confirm my eligibility for any settlements, forgiveness, or corrective actions. 

My loan type is Federal Direct Loans, serviced by MOHELA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am the mortgage holder for an account serviced by Chase Home Lending. My mortgage was not included in my bankruptcy, and I have never missed or been late on a mortgage payment. Despite this, Chase has suspended my online access and refuses to provide e-statements, citing a bankruptcy flag. 

I have requested only passive access to my account to view payment history and obtain documentation for recordkeeping and tax purposes. This is not a request for communication related to debt collection, and the mortgage remains active, current, and outside the scope of any discharge. 

Chase has stated that online access may be suspended for the full duration of the bankruptcy ( up to five years ), even though the mortgage is unaffected and fully performing. They have provided no legal or regulatory justification for this blanket denial of digital access and e-statements. 

This appears to be an internal policy, not a legal requirement, and may violate my rights under the E-SIGN Act and Regulation X ( RESPA ). I believe it constitutes discriminatory and unfair servicing behavior based solely on a generalized bankruptcy status, without consideration of my specific loan. I am requesting that Chase be required to reinstate my secure online account access and electronic delivery of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-04 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: MN

Complaint narrative:
there's alot addresses, and phone that incoorect that on my reports, that need to be remove also a lot of student loans need to remove also

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 2025-06-04 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: MN

Complaint narrative:
there's alot addresses, and phone that incoorect that on my reports, that need to be remove also a lot of student loans need to remove also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: CA

Complaint narrative:
I received a letter from Unifin , Inc. indicating that I owe XXXX XXXX XXXX {$6900.00} for a {$310.00} credit I supposedly received on XX/XX/year>. According to the letter, I now need to make a payment to XXXX XXXX. However, I want to clarify that this is not my debt ; I have never received that amount, nor have I ever borrowed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On XX/XX/year>XXXX  I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 

you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT XXXX XXXX XXXX ( B ) I XXXX, XXXX a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported. 


XXXX XXXX ( All Rights Reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
Im submitting this complaint because I noticed a credit inquiry from XXXX XXXX on my credit report that I do not recognize or authorize. I have never applied for any type of loan, credit, or service with this company. This was done without my knowledge or consent, and Im requesting that it be investigated and removed from my credit report.

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 2025-06-04 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: MA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: ZIONS BANCORPORATION
State: UT

Complaint narrative:
On XXXX XXXX someone at Zion Bank in Utah accessed my credit on 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 2025-06-04 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: CA

Complaint narrative:
I am currently reviewing my TransUnion Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-04 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-06-04 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: NY

Complaint narrative:
Im submitting this complaint because I noticed a credit inquiry from XXXX XXXX on my credit report that I do not recognize or authorize. I have never applied for any type of loan, credit, or service with this company. This was done without my knowledge or consent, and Im requesting that it be investigated and removed from my credit report.

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