vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There have been un authorized charged made several from XXXX stores and a few other sin XX/XX/year>, the charges have been disputed, multiple times, and Chase XXXX credit card dispute fraud dept. keeps telling me that the merchant claims the purchases where correct and it is not fraud!, when I ask for more details from the card, they do not provide me anymore. I have spent many times on the phone with them and they have tried to close the dispute multiple times without resolution. The frustration is beyond me. I have also even contact XXXX, as chase asked me to, and they claimed they do not have any camera or any other proof to provide for me to share with Chase card, when I ask chase about how much more or what else I need to search for them every agent gives me different information. It has become ridiculous at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was incarcerated and a charge was charged on my account during the time I was XXXX. I did not authorize this charge and I do not have any authorized users on this account. This charge isnt mine doesnt belong to me and no way possible I could have authorized this charge for the fact that I was XXXX. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. Any charges between that time I didnt and couldnt have made and did not and do not authorize. I provided Care Credit Synchrony a letter of XXXX  to verify my XXXX  along with a dispute letter and they still continue to report this fraudulent charge on my account and credit report. These actions by Synchrony Care credit are negatively affecting my credit and does not reflect my complaint/ dispute which I have called in and reported to them, sent dispute by mail, and email as well. Please remove/ delete this item from my credit report immediately.

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 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX woman. XX/XX/year> I had to give up driving due to physical limitations. I had a {$20000.00} car loan. The sale of the car yielded only $ XXXX. 

I applied to several companies for a {$3000.00} loan to bridge the gap between my outstanding loan and the sale price of the car. Personify Financial granted me the loan at an interest rate of 59.1 %. I was desperate. 

My monthly payments are {$180.00} per month. As of today I still owe {$2700.00} on the {$3000.00} loan. 

Meeting this monthly payment has become impossible. I tried to renegotiate the loan rather than default however my request was denied. 

I made a big mistake in accepting an interest rate of over 59 %. At this rate, I will never repay the loan. Again, I'd prefer not to default on my obligation but I may be left with no choice. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds entities civilly liable for negligent non-compliance. After reviewing my consumer report and related correspondences, I have identified violations that have caused financial and reputational harm.

The violations this company has set upon me are failure to follow reasonable procedures. This company has failed to maintain accurate and fair consumer reporting, such as incorrect information on my credit report. This company has failed to verify data before reporting. This company has failed to conduct a reasonable investigation. This company has failed to correct and delete my inaccurate information. As a direct result of these violations, I have suffered damages, including but not limited to : Denial of credit, loans, or employment opportunities Emotional distress and reputational harm Financial losses due to increased interest rates or other consequences Under 15 U.S.C. 1681o, negligent non-compliance with the FCRA entitles an affected consumer to recover actual damages, court costs, and attorneys fees. I request that your company take the following corrective actions immediately : 1. Correct or Delete the Inaccurate Information from my consumer report ( s ).

2. Provide Written Confirmation that the necessary corrections have been made.

3. Compensate Me for Damages suffered as a result of your non-compliance, in accordance with the FCRA.

Please consider this my final attempt to resolve this matter amicably. I expect a response in writing detailing your corrective actions. You may send your response to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. As EQUIFAX has repeatedly failed to comply with their legal obligations to properly investigate and remove Inaccurate information. Specifically violating the following, Per 15 U.S. Code 1681e ( b ) failure to maintain the accuracy of my credit report. Per 15 U.S. Code 1681s-2 negligence in ensuring data furnishers must only report accurate and verifiable information. These accounts XXXX XXXX  XXXX date opened XX/XX/XXXX reporting charged-off with a balance {$6900.00} with a past due balance of {$530.00} and XXXX XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX reporting charged-off with a balance of {$0.00} and XXXXXXXX XXXX XXXXXXXX date opened XX/XX/XXXX reporting charged-off with a balance {$7100.00} with a past due balance of {$7100.00} were not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, the balance should be reported as {$0.00}. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My application for refinancing can't get thru bec of some lien on my house which I know nothing about.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: LA

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and resulting compromise of my personal and financial information, i request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
As an official payment, it is important that the XXXX T. D. Auto payment is accurately reflected on my credit profile. However, I recently noticed that the payment was reported as late, despite the fact that it was made on time. I immediately contacted a representative to rectify this issue. I want to ensure that my credit profile accurately reflects my responsible payment behavior. Therefore, I am kindly requesting that the XXXX late payment is removed and the records are adjusted to show that the payment was made on time. It is crucial that my credit profile accurately reflects my financial responsibility and reliability. Your prompt action on this matter would be greatly appreciated. Thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
As an official payment, it is important that the 2023 XXXX XXXX XXXX payment is accurately reflected on my credit profile. However, I recently noticed that the payment was reported as late, despite the fact that it was made on time. I immediately contacted a representative to rectify this issue. I want to ensure that my credit profile accurately reflects my responsible payment behavior. Therefore, I am kindly requesting that the 2023 late payment is removed and the records are adjusted to show that the payment was made on time. It is crucial that my credit profile accurately reflects my financial responsibility and reliability. Your prompt action on this matter would be greatly appreciated. Thank you for your understanding.

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 2025-03-15 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: IL

Complaint narrative:
I mailed in disputes for negative items on my credit report. TransUnion sent me a letter saying that it wasnt me who mailed in the dispute so they arent investigating negative items on my report. How is that? When I sent not 1 but 2 copies of my Government Issued ID and social security card.! This is not fair and it violates my rights according to the FCRA. Attached is the original dispute letter along with my ID.

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently noticed recurring interest charges on my Bank of America credit card labeled Interest Charge on Purchases, including : XX/XX/XXXX : {$36.00} XX/XX/XXXX : {$41.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$36.00} XX/XX/XXXX : {$39.00} XX/XX/XXXX : {$37.00} XX/XX/XXXX : {$11.00} XX/XX/XXXX : {$17.00} XX/XX/XXXX : {$16.00} XX/XX/XXXX : {$14.00} When I contacted customer service, I was informed that my account had been on a 0 % interest promotional offer from XXXX until XX/XX/XXXX. After the promo ended, interest started accumulating based on the amount of credit owed. However, I was never notified that I would start incurring these charges, and I only recently realized this issue when I noticed that my balance wasnt reducing as expected. 
This is extremely frustrating because I have never missed a payment, and I even use the agent-assisted payment optionto ensure I stay on track. If I am making on-time payments, it is unfair that I am now facing unexpected charges that are making it harder to clear my balance. 
I also noticed that these charges have been occurring since XX/XX/XXXX, but I was never informed, and I only just realized how much this has affected my payments. The XXXX agents I spoke to attempted to reverse the charges but were unsuccessful, which is unacceptable given the circumstances. 
Resolution Requested : 1 A refund of these unfair interest charges.

2 An explanation for why I was never informed that interest would start accumulating after the promo ended.

3 Clarification on how I can prevent these unexpected charges from continuing.

I am seeking CFPBs intervention, as this has caused a significant financial burden for me and ability to meet my obligations as a student. Im kindly requesting your consideration and intervention to address this issue as soon as possible.

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 2025-03-15 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: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states that I have the rights to privacy 15 usc 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account with my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Section 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of consumer reports. Reporting each when the account is charged off. You are inaccurately reporting information on my credit report. ACCT NAME : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. You have 15 days to removed it or you will be sued. 

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 1692c ( c ) ACCT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This account has violated my rights. Section 1692c ( c ) states that a debt collector must stop contacting the consumer if the consumer askes them in writing to cease all contact. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) require the consumer reporting to show proof. I demand you to show proof of the original contract signed. ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX According to 18 U.S.C. 1028A This statute is about aggravated identity theft. It states that anyone who knowingly uses, possesses, or transfers another person 's identification without authorization can be sentenced to a minimum of 24 months in prison. You have been provided an identity theft report for ACCT NAME : XXXX XXXX XXXX, ACCT # XXXX. You refuse to remove the account. You are being sued by CFPB for inaccurately reporting on credit reports. You have 15 days to remove this account or you will be sued.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent phone account was opened at XXXX on XX/XX/XXXX under account number XXXX. It has resulted in fraudulent hard inquiries and collections. The fraudulent inquiries on TransUnion include XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( all XX/XX/XXXX )XXXX XXXX/XXXX  ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Experian includes XXXX XXXX I ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX  ( both XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). XXXX includes XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( both XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). I demand removal of these fraudulent items from my reports and cessation of all related collection activity under my rights within FCRA and FDCPA laws. Delete these items within XXXX  days of receipt or provide proof that you contacted the FTC to verify this Affidavit. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-15 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent phone account was opened at XXXX on XX/XX/XXXX under account number XXXX. It has resulted in fraudulent hard inquiries and collections. The fraudulent inquiries on TransUnion include XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( all XX/XX/XXXX )XXXX XXXX/XXXX  ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Experian includes XXXX XXXX I ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX  ( both XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). XXXX includes XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( both XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). I demand removal of these fraudulent items from my reports and cessation of all related collection activity under my rights within FCRA and FDCPA laws. Delete these items within XXXX  days of receipt or provide proof that you contacted the FTC to verify this Affidavit. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it.

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