vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
I received a student loan from XXXX XXXX  under the promise that it would cover both semesters of my XXXX XXXX XXXX XXXX XXXXXXXX. After being told the loan amount was {$64000.00} and would be disbursed in XXXX parts, only {$27000.00} was sent. I was then instructed to continue making payments in good faith by XXXX representative XXXX, which I did. 

After completing my first semester, I was told the loan would not be completed and I needed to reapply, despite being told this was not necessary. I requested an internal investigation and my original loan documents, but never received them. I then contacted Launch Servicing to request a refund of payments I made under this misleading arrangement. 

I was told by Launch that I can not receive a refund unless I file a police report, which I believe is an unreasonable and coercive demand for a situation involving misrepresentation by their lending partner. I am requesting CFPB intervention to issue a refund and stop collection/reporting activity until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I reviewed my credit report like I normally do, but this time I noticed several unexpected discrepancies. I even refreshed the browser thinking it might be a technical glitch, but the inaccurate accounts remained. Im now requesting that the documents I provided be reviewed carefully, so I wont have to continue worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX, XXXX XXXX To Whom It May Concern, I am filing a formal complaint against American Express for noncompliance with the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

American Express failed to validate the alleged debts despite a proper request. Their response lacked : A signed contract, as required in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; A sworn affidavit, as seen in XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) ; Chain of title, as required in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX  XXXX. 

Without these documents, they are not entitled to continue collection or report negative credit information. I request that your office investigate these practices and hold American Express accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : [ XXXX XXXX XXXX ] To : American Express XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Re : Continued Dispute and Demand for Proper Debt Validation Accounts Ending in : XXXX, XXXX, XXXX Dear American Express, This letter is a formal continuation of my dispute regarding the alleged debts referenced above. Your response dated XX/XX/XXXX, fails to meet the standards for debt validation under federal law. The Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ( b ) ) requires a debt collector to cease collection until proper validation is provided. 

Your response did not include : A contract bearing my signature ( wet or verified electronic signature ) ; A complete accounting showing how the balance was calculated ; Evidence that American Express is legally authorized and licensed to collect debt in the State of South Carolina ; A notarized affidavit of debt signed by a competent witness with first-hand knowledge. 

In accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), validation requires more than boilerplate documentation or generic agreements. Simply sending billing statements and cardmember agreements without evidence of liability or authorization does not suffice. 

Further, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court held that debt validation must include competent evidence, not just company-prepared documents or summaries. 

I therefore continue to dispute the alleged debt in its entirety and demand you cease any further collection or reporting activity until full validation is provided. Should you fail to comply, I am prepared to proceed with arbitration and/or litigation under the FDCPA, FCRA, and Truth in Lending Act. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
A XXXX XXXX hard inquiry was placed on all 3 of my credit reports.Someone stole my phone and applied for a credit. I tried to dispute it with the credit bureaus but they didn't do anything. I had to buy a new phone to get yhe old one shut off. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A XXXX XXXX hard inquiry was placed on all 3 of my credit reports.Someone stole my phone and applied for a credit. I tried to dispute it with the credit bureaus but they didn't do anything. I had to buy a new phone to get yhe old one shut off. I don't know what to do.

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 2025-07-28 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I went to Sam 's Club at XXXX XXXX XXXX, XXXX, Texas to my Sam 's Club Credit card account. The customer service agent informed me that a new change had recently been made Synchrony Bank requiring that the credit card be produced and inserted into the card chip reader. However, an error message came up when my card was inserted. So, we tried XXXX more machines and got the same error. There was a problem with the chip on my card. I called Synchrony Bank while still in the store. I was told that that Sam 's could still take the payment and Sam 's disagreed. Nonetheless I asked Synchrony Bank for a new card. 

After a week I called back on XX/XX/XXXX to ask about the card and was told that no card had been ordered. The representative said that she would send one to me XXXX XXXX. However, I never received that card either. 

I called again on XX/XX/XXXX and spoke to XXXX different people, XXXX # XXXX, XXXX and XXXX # XXXX. I explained that I had requested a replacement card twice and had not received it yet. I explained that I had received a credit limit decrease to {$3900.00} dated XX/XX/year>, what a coincidence! Not! However, XXXX told me that no card had been sent out! XXXX told me the credit limit decrease was because I had not paid the balance off. 

On XX/XX/XXXX I called in again to ask where my card was. I spoke to XXXX different people, XXXX, XXXX and XXXX. While speaking to XXXX I felt disrespected when she made XXXX different comments, she said, " I hope your card arrives before the next due date ''. I asked her about the credit limit decrease and she said, " We are a bank and you're not ''! I thought that those statements were unprofessional, disrespectful and rude! 

Finally, I called last night trying to explain that I had not received my card and wanted to make a payment and the lady said that we don't take credit card payments to pay a credit card. She said that we accept checking account payments only. When I explained that I did not have a checking account she hung up on me! 

I feel like Synchrony Bank has violated the Equal Credit Opportunity law against me!

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 2025-07-28 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The company cals 3 to 4 times a day for the last few months. In the beginning I answer the phone and no one comes on the line or the phone call ends. I spoke to someone told them I have had no interaction with the company and to stop calling. The daily calls have not stopped. I did not receive notification of a debt with them and just recently they reported a collections to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I have disputed inaccurate information off of my report several times. Under the FRCA I have the right to have all information reporting 100 % accurate on my credit file. The credit reporting agencies have failed to properly investigate and/or update inaccurate information. This has been very injurious to my credit score and it is illegal for them to continue to report this information. If it is inaccurate or incomplete than by law they must delete it from the credit file. All accounts must be 100 % accurate and the information should be the same on all XXXX reports. I have also asked them to provide me with documented proof that the accounts belong to me and they have failed to do so. 

XXXX XXXX XXXX : Incorrect open date incorrect closing date. Payment amount and term amount inacuurate. 

XXXX XXXX : High balance inaccurate, Closed Date inaccurate, Term Length inaccurate, Last payment date inaccurate XXXX  XXXX Closed date inaccurate, Open date inaccurate Payment amount missing, Term length missing XXXX XXXX  XXXX Date opened inaccurate, Date closed Inaccurate, payment amount inaccurate, term length 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 2025-07-28 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 disputed inaccurate information off of my report several times. Under the FRCA I have the right to have all information reporting 100 % accurate on my credit file. The credit reporting agencies have failed to properly investigate and/or update inaccurate information. This has been very injurious to my credit score and it is illegal for them to continue to report this information. If it is inaccurate or incomplete than by law they must delete it from the credit file. All accounts must be 100 % accurate and the information should be the same on all XXXX reports. I have also asked them to provide me with documented proof that the accounts belong to me and they have failed to do so. 

XXXX XXXX XXXX : Incorrect open date incorrect closing date. Payment amount and term amount inacuurate. 

XXXX XXXX : High balance inaccurate, Closed Date inaccurate, Term Length inaccurate, Last payment date inaccurate XXXX  XXXX Closed date inaccurate, Open date inaccurate Payment amount missing, Term length missing XXXX XXXX  XXXX Date opened inaccurate, Date closed Inaccurate, payment amount inaccurate, term length inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of my student loans by MOHELA, my loan servicer, in connection with my eligibility for Public Service Loan Forgiveness ( PSLF ).

According to information provided by Federal Student Aid ( StudentAid.gov ), I have made 120 qualifying payments under PSLF and have met all eligibility requirements for loan forgiveness. Despite this, MOHELA continues to show an outstanding balance on my loans and has indicated that I will continue to be billed, even though these loans should now be forgiven. 

I have made numerous attempts to resolve this issue directly with MOHELA. These efforts have involved many hoursequivalent to weekson hold and on the phone with MOHELA representatives, during which I have repeatedly requested that an appropriate administrative forbearance be placed on my account to prevent further billing or collection activity while my forgiveness is processed. These requests have not been honored. 

Additionally, I have contacted Federal Student Aid for assistance. Unfortunately, I have received inconsistent and unhelpful guidance, and have been told to just wait, despite being fully eligible for loan forgiveness under the PSLF program.

I am now seeking your intervention to ensure the following : That MOHELA immediately places my loans into administrative forbearance, effective retroactively to the date my 120th qualifying payment was recorded ; That MOHELA ceases all billing and collection activity on loans that are subject to forgiveness under the PSLF program ; That a formal investigation is opened into MOHELAs failure to provide timely and accurate servicing of PSLF-eligible loans ; That I receive written confirmation of all actions taken. 

MOHELAs conduct is placing undue financial and emotional strain on me and undermines the intent of the PSLF program. I respectfully request that the Consumer Financial Protection Bureau take appropriate action to compel MOHELA to comply with federal regulations and correct these administrative failures without further delay.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-28 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 is a formal request to dispute hard inquiries appearing on my credit report that I have no knowledge of authorizing. I have not submitted any recent credit applications that would warrant such inquiries.

Company response to consumer: Closed with explanation