vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts 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  : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, American Express ( Amex ) abruptly closed all three of my credit card accounts without any prior notice. The company stated the closures were due to " indicia of misuse, '' yet they refused to provide any specific information regarding which transactions or payments were allegedly misused. As a result of the sudden account closures, I lost over XXXX Membership Rewards points that I had accumulated over the years through legitimate transactions. Amex did not offer any grace period for point redemption, nor did they inform me of the forfeiture in advance. I made multiple attempts to contact their customer service to request redemption of the points, but my requests were consistently denied, and several representatives exhibited unprofessional and dismissive behavior. In accordance with the card membership agreement, I submitted a formal claim notice to American Express XXXX c/o CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Despite sending this notice nearly a month ago, I have received no response or acknowledgment from Amex, and their customer service has been unable to provide any update on the status of my claim. Given XXXX lack of transparency and failure to address my concerns, I am submitting this complaint to the Consumer Financial Protection Bureau ( XXXX  ) in an effort to protect my rights and seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX Subject : Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing to formally request validation of an alleged debt in the amount of {$920.00} reported by your company and originally associated with XXXX XXXX XXXX XXXX XXXX. 

This account ( Account # XXXX ) appears as a collection account on my credit report, opened on XX/XX/XXXX, and listed as past due as of XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of any alleged debt your agency claims I owe.

Please provide the following : 1. The name and address of the original creditor ; 2. The full account number from the original creditor ; 3. The complete payment history, including the date and amount of each payment ; 4. An itemized breakdown of the current balance and any fees or interest accrued ; 5. A copy of the original agreement or contract signed by me showing I have a legal obligation to pay ; 6. Documentation proving your legal right to collect this debt, including any purchase or assignment agreement ; 7. Proof of your license to collect debt in [ Your State ].

Until this debt is validated, I request that you cease all collection efforts, including reporting this account to any credit reporting agencies. If you are unable to validate this debt, I request that the account be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Please note, this letter is not an acknowledgment of the debt nor a promise to pay. It is a formal request for validation pursuant to my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
I took out a {$500.00} loan with XXXX while XXXX XXXX XXXX I have repaid more than the original loan amount, but my balance has not decreased significantly. The interest rate being charged exceeds 300 %, which violates Ohio 's Short-Term Loan Act that caps APR at 28 %.

These companies are tribal lenders claiming sovereign immunity, but they are making loans to Ohio residents without complying with state lending laws. I believe this is an illegal, usurious loan, and I request the CFPBs assistance in helping me dispute the debt and seek a refund for any excessive interest paid.

I have revoked ACH authorization and requested a full payoff and payment breakdown.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-05-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Missing XXXX Transfer Between XXXX XXXXXXXX and Chase, I made a XXXX transfer from my XXXX XXXXXXXX account to my Chase account approximately two weeks ago on XXXX XXXX, Chase informed me that the transaction was rejected and the funds were returned to XXXX XXXXXXXX because I had recently requested to close my Chase account, and the account was closed before the transfer could be processed. 
Since of this day, the funds are missing and not available in either my XXXX XXXX or Chase accounts. I have contacted customer service at both banks multiple times, but neither has resolved the issue or been able to confirm the whereabouts of the funds. 

I am requesting that CFPB help investigate and ensure that my funds are returned promptly. This situation has caused me significant inconvenience and financial concern.

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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX 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 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXXXXXX -- - AC # XXXX -- Date opened- XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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 have directly affected by the Equifax Data breach and someone has opened unauthorized accounts on my credit profile. This is affecting my credit negatively and preventing me from obtaining credit. Please remove and block these items, they are making a negative impact in my life! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: IL

Complaint narrative:
MOHELA has placed my federal student loans into an administrative forbearance without my request or a clear reason. 

On XX/XX/XXXX, MOHELA sent me a letter stating my Income-Driven Repayment ( IDR ) plan recertification date was extended to XX/XX/XXXX. The letter explicitly said this change would have " no impact on your current loan repayment status or your current monthly payment amount '' and that I would " not need to recertify your IDR plan prior to XX/XX/XXXX. '' Despite this, as of XX/XX/XXXX, my loan details page shows my loan status as " Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX. '' I was in active repayment last month and did not submit any forms or requests for this forbearance. My repayment plan is " Pay As You Earn - Ends XX/XX/XXXX. '' I am concerned this unauthorized forbearance will cause unnecessary interest to capitalize. I have tried calling MOHELA to resolve this, but I've experienced hold times exceeding two hours. This is also a recurring issue, as I have previously filed a complaint against MOHELA for inappropriately placing my loans in forbearance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal complaint regarding the inaccurate and potentially unverifiable reporting of a collection and charge-off account listed under my TransUnion and XXXX  credit reports. The XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account is currently being reported as a collection with a balance of {$4700.00} dated XX/XX/XXXX. I have no knowledge of this debt, and I never received proper validation or a detailed breakdown of this alleged obligation. The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1692g requires that all debt collectors provide timely and complete verification of debt upon request, and the failure to provide such verification before reporting the account to credit bureaus is a direct violation of consumer rights. Additionally, as this is being reported across multiple bureaus, this increases the damage to my credit profile, and yet there has been no proper validation provided to justify the legitimacy of this balance or its current status. 

Furthermore, TransUnion is also reporting a charge-off account from XXXX dated XX/XX/XXXX, which carries a {$0.00} balance. If the debt has been resolved or is no longer collectible, its continued presence as a derogatory item is misleading and damaging. This is especially egregious considering the item is over seven years old, and as per 15 U.S.C. 1681c ( a ) ( 4 ), accounts charged off or placed for collection may not be reported for more than 7 years from the date of the original delinquency. This listing, therefore, may already be beyond the legal limit for credit reporting, and if it is not, its XXXX balance should indicate closure and resolutionwarranting an update or removal based on its status and age. 

The presence of these items without proper validation or verification may point to data integrity failures, potential mishandling of consumer information, or broader systemic issues such as data breaches, which I have reason to suspect are affecting the accuracy of my credit reports.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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: 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:
I am enrolled in the Public Service Loan Forgiveness ( PSLF ) program and have worked in qualifying public service employment for nearly eleven years. As of last year, I had completed XXXX of the required 120 monthly qualifying payments. However, my loansserviced by MOHELAwere placed into forbearance more than a year ago without my request, explanation, or resolution. 

Despite numerous attempts to contact MOHELA and clarify the issue, my account has remained in limbo. I have met all PSLF requirements, yet I can not progress toward loan forgiveness because MOHELA has not processed the final payments or closed out my account as expected. 

This delay is now affecting my professional and financial decisions. I have stayed in public service employment, at lower pay, in good faith that my loans would be forgiven after 10 years. MOHELAs inaction is effectively extending my public service time unnecessarily and putting my familys financial stability at risk. 

It appears that MOHELA, which benefits financially from retaining borrowers, may be intentionally delaying forgiveness processing. This raises concerns of a conflict of interest and possible mismanagement of federal student loan servicing responsibilities. 

I am requesting immediate review and assistance in compelling MOHELA to remove the forbearance, process my PSLF application accurately, and ensure my loans are forgiven per the federal program 's guidelines.

Company response to consumer: Closed with explanation