vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: VA

Complaint narrative:
A sale person for XXXX XXXX XXXX came to our home and advertise that the solar system will lower our monthly payment almost to no cost. We got the loan through ENFIN and they install the system. Ever since the installment of the system, we raise our concern to XXXXXXXX XXXX XXXX  company that our electricity bill did not go low in fact it increase tremendously. We are XXXX XXXX family and are already struggling with bills. we were told to wait for XXXX to investigate and get us though their system. XXXX did investigate and confirm that our charges are valid. We have reached out to XXXX XXXX XXXX from XXXX XXXX XXXX  and ENFIN through email and phone with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to follow up on the denial of the XXXX welcome bonus points for my new Business Platinum Card. On XX/XX/year>, I contacted American Express to confirm my eligibility for this promotion. During the call, I was fully transparent in disclosing that I already held another Amex Business Platinum Card and had previously received a similar offer. I specifically asked whether I would still qualify for the XXXX bonus after spending {$20000.00} within three months. The representative confirmed that I was eligible and provided reference number XXXX for the call. 

Based on that confirmation, I moved forward with the application and have since met the spending requirement. When I was later informed that I would not be receiving the bonus, I opened a formal case and was told it would be reviewed. I followed up with multiple phone calls, and each time I was told that the case was still under review or that I would be contacted if they decided to reconsider. 

Now that the case has been closed with no resolution in my favor, I am requesting a full refund of the annual fee. The only reason I opened this carddespite already having onewas because I was assured I would receive the XXXX points. Had I been told otherwise, I would have never proceeded with the application and would have canceled the card immediately or next day. I ask that you review the call recording tied to reference number XXXX, where the representative clearly confirms my eligibility. 

Thank you for your attention to this matter. I look forward to your response and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide documentation of their investigation that they claim where these things on my credit report are accurate. Which I have not received. I have disputed XXXX accounts they find accurate however those XXXX accounts had been charged off or written off as they say which means they have written off in their taxes and those XXXX accounts however were included in my XXXX  that was filed so they should not be on my report. I also have several inquiries that I have not done I have no knowledge of those. With those inquiries I have also contacted and have not received any documentation that I requested they provide the purchase agreement to show ownership on those so I may review to see if this actually is an account or inquiry that belongs to me. I have 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 2025-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA
State: AL

Complaint narrative:
I filed a dispute on XXXXXXXX Missouri Higher Education due to me not knowing about the debt. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). They alleged that the company accepted unreliable information, failure to notify consumer dispute results. The aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting both a house and a car. XXXX violates my rights as a consumer, as well as federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I saw an ad to make money online and I had to send bitcoin in exchange for cash and he made me buy XXXX $ total of bitcoin in exchange for XXXX, he said he would help me get money. I needed money for my XXXX school, he even put thousands of testimonials saying that he was legit and he posted pictures of the money he would send. He even sent a picture of the account. I asked him to please give me my XXXX $ back and there would be no issue and he did not comply. I had to call my bank to dispute the charges because it's all I have and I need the money to pay for my gas money to go to school. 
My bank is opening a fraudulent case and they said they will try to get my money back but they had to close my card permanently. I honestly don't know why I trusted it it was very stupid and I'm only XXXX and I just needed cash. This is the first time this happens to me l 'm just scared I really need my money back for school. 
He said he would send me cashapp money if I sent him bitcoin from cashapp. 
@ XXXX XXXX He said that was his wallet But he said I had to send more and more because he had to buy other stuff? I don't know. 
He made a chat on XXXX and there was millions of people in there and even messages that said that he was legit. Even voice chats! 
After I told him I couldn't send anymore money he kicked me out of the chat so I couldn't tell anyone he was a fraud Ive called cashapp and my bank. Only my bank helped me cashapp said they cant help because its cryptocurrency and because his wallet is 3rd party. 
This all happened today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Charged amount for statement of XX/XX/XXXX was XXXX, TJ Maxx card ( SYNCB ) continues to charge junk and illegal fees for a monthly paper statement fee of XXXX now per month with no signed contract agreeing to this and misrepresentation from the original signed contract and fees. Additionally, the XXXX was paid in full before the expected XX/XX/XXXX due date ( Paid in full on XXXX ) and SYNCB proceeded to charge me a {$2.00} minimum interest fee when the bill was paid in full. XXXX fee should be credited back to consumer as this is not a legal fee and violates the junk fee laws on credit cards. Called XXXX number and was told they will review and left on hold for XXXX minutes on XXXX and then the agent hung up.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to laws -15 U.S. Code 1681n - 15 U.S. Code 1692 - 15 U.S. Code 1618 The following unauthorized inquiries on my Experian credit report must be investigated and removed from my credit report immediately : 1. XXXX XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX Date of Inquiry : XX/XX/XXXX 3. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. XXXXXXXX XXXX Date of Inquiry : 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
DISPUTE : a late mortgage payment. I got 31 days late report which in XXXX it was only 28 days in the month not 30 days and my account was reported by the M & T bank as being over 30 days late and this did not happen. In addition I had a 15 day grace period that wasnt over either. My payment was made and is not even a day late now. Im made a complaint to the bank ref # XXXX made on my behalf for wrongfully reporting and misinforming information to me. Additionally, XXXX, Equifax, and Experian all took XXXX pts off my XXXX XXXX for a less than 30 day payment that was thought to be late. ( XXXX mailed )

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 2025-05-14 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: UT

Complaint narrative:
Hello! 

I am submitting this complaint because TransUnion, a credit reporting company, is still reporting one or more accounts on my credit report that I believe to be inaccurate, incomplete, and unverified under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), Section 609.

I reviewed my credit file and identified information that I do not recognize and that does not match any account I knowingly opened or authorized. I formally submitted a written dispute directly to TransUnion, requesting full verification and original documentation bearing my signature as allowed under FCRA 609 ( a ) ( 1 ). I provided all necessary identity documents ( government ID, proof of address, and Social Security card ) to ensure my request was complete and legitimate. 

Despite my good-faith request, TransUnion has not produced the original source documentation or verification that proves this account is legally attributable to me. I am concerned that they may have relied solely on data from a furnisher without validating its accuracy or verifying the legal basis for reporting it. 

This unresolved issue is negatively impacting my credit score and personal financial opportunities. I believe TransUnion is in violation of its obligations under the FCRA, including : Failing to verify the accuracy and validity of disputed information Continuing to report unverified and potentially inaccurate information Not providing the consumer ( me ) with documentation that substantiates their reporting I am now seeking the assistance of the CFPB to investigate this matter and help ensure TransUnion complies with federal law by either verifying this account properly or removing it from my credit file. 

What would you like the company to do to resolve your issue? 

I would like TransUnion to either : Provide original verification documentation of the disputed account ( s ), including a signed agreement or contract ; or Permanently delete the account ( s ) from my credit file if such documentation can not be provided. 

I would appreciate a written confirmation of the investigation results and any action taken. 

Best Regards, 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the credit reporting act the list of account below have violated my rights. 
15 u.s.c section 502a states I have the right to privacy. 

delete the account below XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint due to serious mishandling of my federal student loan account during its time with Mohela. My loan has transitioned between XXXX, XXXX, Mohela, and now XXXX, causing significant delays, confusion, and errors in PSLF processing. 
While under Mohela, my monthly payments were often miscalculated, and my XXXX documentation was either delayed or incorrectly processed. Qualifying payments were miscredited or not counted, which directly threatens my loan forgiveness eligibility despite consistent XXXX XXXX XXXX  and timely payments. 
Ive received inconsistent and conflicting information from Mohela representatives, and their errors have caused me undue stress, time loss, and potential financial harm. 
Furthermore, I have concerns that my personal data may have been accessed by the Department of Government Efficiency ( DOGE ), allegedly led by XXXX XXXX under the current administration. This would represent a serious breach of privacy and must be urgently investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/ 2025, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/2025 * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 


XX/XX/XXXX XXXX...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Issue Type : Credit reporting Improper use of my report/ incorrect information on my report Complaint Summary : I am submitting this complaint as a documented victim of identity theft. On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report Number : XXXX, XXXX ) identifying several fraudulent accounts opened in my name. Despite providing Experian with this documentation, they have failed to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts Still Being Reported by Experian, Equifax, and Transunion : Numerous credit card accounts Violations Committed by Experian : 1. 2. 3. Failure to Block Fraudulent Accounts ( FCRA 605B / 15 U.S.C. 1681c-2 ) : Experian did not block the fraudulent information within four ( 4 ) business days after receiving my identity theft report, as required by law.

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : Experian has not performed a timely or thorough investigation and has failed to notify me of the outcome of my disputes. 
Negligent Reporting of Identity Theft Accounts ( 18 U.S.C. 1028A ) : Experian continues to report accounts that were fraudulently opened, even after receiving documentation, demonstrating negligent handling of sensitive identifying information.

4. 5. Unlawful Delays ( FCRA 611 ) : Experian has delayed processing by repeatedly requesting unnecessary documentation, failing to meet legal deadlines, and using stall tactics. 
Failure to Safeguard Consumer Information ( 15 U.S.C. 6801 and 1681e ) : I believe Experian failed to implement reasonable safeguards to protect my personal data, which may have contributed to my identity being compromised.

Impact : Due to Experians failure to act, I have suffered financial and emotional harm, including : Denial of credit Increased anxiety and emotional distress Ongoing financial instability Requested Resolution : 1. 2. 3. 4. 5. Immediate and permanent removal of the fraudulent accounts listed above.

Written confirmation of the account deletions and a statement ensuring they will not reappear. 
Acknowledgment of Experians failure to comply with 15 U.S.C. 1681c-2 and 1681i.

A cease-and-desist order from reporting or sharing any of the fraudulent information.

A written explanation of the measures Experian is taking to prevent further harm and protect personal consumer data. 
Supporting Documents Provided : FTC Identity Theft Report ( Report No. XXXX, XXXX ) Declaration : I affirm that the information provided in this complaint is accurate to the best of my knowledge, and I respectfully request that the CFPB intervene to ensure Experian complies with its legal obligations.

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