vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
o Whom It May Concern, I am writing to formally request a full audit and review of my federal student loans and grants serviced under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe some of these funds may have been improperly disbursed or managed, and I am seeking immediate action to address these concerns. Specifically, I am requesting the following : 1. A full audit and refund of any student loan funds that were disbursed improperly, including funds issued in connection with institutions that may have engaged in misconduct or misrepresentation. 2. Reversal of any interest or fees that accrued as a result of these disbursements. 3. A complete review of my Pell Grant funds, including any amounts that were improperly retained or misapplied. 4. A refund of any payments made during the COVID-19 emergency relief period, which should not have been collected while payments and interest were supposed to be paused. 5. A written explanation of my legal options, including but not limited to the Borrower Defense to Repayment process, as it relates to any loans tied to potentially deceptive institutional practices. I respectfully request that this matter be handled with urgency and that I receive a written response detailing the outcome of your review and the next steps available to me.I am submitting this application for Borrower Defense to Repayment based on misrepresentations made by XXXX XXXX and XXXX  XXXX. At both institutions, I was led to believe that my degrees would significantly enhance my career prospects and earning potential. I relied on these promises to justify the cost of tuition and to take out federal student loans and accept federal grants. However, after graduation, I found that my degrees did not offer the return on investment I was led to expect. Specifically : XXXX XXXX  promoted programs with promises of high job placement rates and strong starting salaries. However, after graduating, I struggled to find employment in my field and was offered positions that did not require a degree or that paid significantly less than advertised outcomes suggested. XXXX  XXXX  provided misleading information about the transferability and value of credits, as well as support services and career placement resources that were either unavailable or ineffective. This made it difficult to gain relevant employment, leaving me with debt but no realistic path to repay it. I am including documentation from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that lists all my federal loans and grants, including those associated with both institutions. Based on the misrepresentations made by XXXX XXXX  and XXXX  XXXX and the resulting financial harm, I respectfully request full discharge of my federal student loans under the Borrower Defense to Repayment provisions.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
I am writing in response to your insufficient reply to my previous dispute on XX/XX/XXXX Account name XXXX  XXXX Account number XXXX, in which I requested specific information under the Fair Credit Reporting Act ( FCRA ). Your responseAccount information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) is a non-substantive response that fails to comply with your legal obligations under : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a description of the procedure used to determine the accuracy and completeness of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the information can not be verified, it must be promptly deleted from the consumer 's credit file. 

You did not : Provide the method of reinvestigation, Identify the party who verified the delinquency ( name, contact number, business address ), Supply any documentation proving this account was actually late. 

Since you failed to verify the accuracy of this information and did not follow the FCRA procedures, I am providing final notice : unless this matter is corrected within 7 business days, I will be filing a formal complaint and may pursue civil action for willful noncompliance under 1681n and 1681o of the FCRA. 

I demand that the XX/XX/XXXX XXXX late mark be removed, and the account updated to reflect a status of PAID/NEVER LATE or Delete Account.

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 2025-05-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
XXXX XXXX didn't provide the results as promised or advertised there was no changes made or adjusted with my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The last two late fees have occurred and the fees is {$41.00}. The second, latest late fee is {$41.00} with a payment due on XX/XX/XXXX and it is now XX/XX/XXXX. While time management is poor on my part, but the late fee of {$41.00} is excessive.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a reasonable investigation into a dispute I submitted, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi. Below are the details of my complaint : On XX/XX/year>2025, I mailed a dispute letter to Experian, disputing XXXX on my credit report. The disputed account is reported with discrepancies, which violate FCRA provisions for accurate and complete reporting. To verify my identity and confirm that I sent the dispute letter, I included copies of my government-issued ID, Social Security card , and proof of address, as required by Experians dispute process. 
On XX/XX/year>2025, I received a response from Experian stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is inadequate and unjustified, as I provided all necessary documentation to authenticate my identity and the dispute. 
Under FCRA XXXX ( a ) ( XXXX ), Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate when a consumer disputes the completeness or accuracy of any item in their credit file. By refusing to investigate my dispute despite receiving proper documentation, Experian has violated my consumer rights under the FCRA. 
These errors and Experians failure to conduct a proper investigation have caused me harm, including emotional distress. I am including copies of my dispute letter dated XX/XX/scrub> 2025, and Experians response dated XX/XX/year>2025, as evidence.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
At this time, after months trying to clear my previous payment history, a professional woman originally from XXXX, now a successful business owner in the state of New Jersey, I hereby file a claim against the attached creditor as a federally chartered financial institution, once operating as part of a publicly traded company approved through the XXXXXXXX XXXX XXXXXXXX XXXX. This company is now privately held but still must comply with the rules and regulations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
XXXX is not publicly traded anymore. The company was acquired by the XXXX family and XXXX XXXX de XXXX in a {$6.00} XXXX deal, making it a privately held company. The shares were delisted on XX/XX/year>, according to XXXX 's. XXXX 's stock previously traded on the XXXX  XXXX  XXXX XXXX under the symbol XXXX. 
Accordingly, I have requested on several occasions a full account of my payment history. That request was never complied to. 
I was always on time with my monthly payments. 
The late payments applied to my XXXX, XXXX  and XXXX XXXX XXXX XXXX were never confirmed, and therefore must be eliminated. 
The only reason that I can ascertain why I have never been properly treated by XXXX is due to discrimination as a minority woman in the United States of America. XXXX has been so involved in its private sale that it no longer has a compliance XXXX that is federally required under the XXXX XXXX XXXX guidelines, even though as of a few days ago the company is no longer listed on the XXXX  XXXX XXXX XXXX. 

I hereby request a full reinvestigation into my discrimination claim by the Consumer Financial Protection Bureau and each respective credit reporting agency. XXXX must face sanctions and removal as a subscriber to each credit bureau respectively until all federally required compliance procedures are guaranteed to the public and a compliance officer is placed in a professional capacity. 

In the meantime, my tradelines with XXXX must be deleted across the board with XXXX, XXXX, and XXXX XXXX respectively. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2025-05-23 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am disputing the accuracy and fairness of how this account has been reported by Goldman Sachs Bank USA. 

The account became delinquent in late XXXX, which occurred during the federally declared XXXX emergency. I attempted to resolve or discuss the account, but I was not offered appropriate relief options or assistance, despite hardship guidelines in place under the CARES Act. 

Furthermore, the account appears to be reporting inconsistently across credit bureaus, and I have not received proper documentation such as a final billing statement showing the balance and charge-off details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I have serval fraudulent hard inquiries on my credit reports with the three major credit bureaus. attempts to establish credit accounts in my name that I did not authorize. Ive contacted the credit bureaus to remove and they havent. its hindering me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-23 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: FL

Complaint narrative:
I am sending this complaint to TTRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-05-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-23 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 2025-05-23 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-23 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
On XX/XX/XXXX I submitted an IDR application for the PAYE plan because I wanted to restart making qualifying payments for PSLF as quickly as possible. I understand I can do a buyback for payments during my SAVE forbearance, but I wanted to begin making payments now so that my PSLF payment counts would update and I could track my progress. I have verified on studentaid.gov that I have submitted a complete application that is listed as " In Process, '' and confirmed that it was submitted on XX/XX/XXXX. 

As of XX/XX/XXXX, that application has not been processed. I spoke to a MOHELA representative, XXXX, on the phone. She told me that my application as a single individual when I file my taxes was eligible for processing in XXXX when IDR plans reopened, but that for some reason my application was not listed as pending yet. She stated they are processing applications on a first-come first-serve basis, but could provide me no timeline for when my application could be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
i use the XXXX XXXXXXXX app on my phone to make payments they had sent out an update to the app i let it update the app and continued to use it i had XXXX debit cards set up on the app XXXX for my main use and the other for back up purposes, after the update they sent i used the main card to make the payments and they tried to obtain the payment from the XXXX card without my knowledge and i was unaware of this and continued making payments from my main card each month several months later i tried to use my credit card and it was locked i called XXXX XXXX and they said it was locked due to non-payment of several months and i informed them that i make my payments no matter what each month, so after having to track down each and every payment i called them back and filed a complaint and they sent a letter to me stating that they had fixed this problem and it wasn't my fault and i sent the letter to the Experian and they stated they had finished their investigation and were letting the bad credit stand on my account even though XXXX XXXX had wiped it off their record. I can not get enough money on a loan to make it worth my time and money because of Experian.

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