vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against my loan servicer, MOHELA, due to what I believe are unfair, excessive, and unethical practices related to the student loan I have been repaying since 2009. 

I initially borrowed approximately {$17000.00} for my education. Over the past 15+ years, I have paid well over {$17000.00} in interest alone not including any principal payments. Despite consistent payments, the balance on my loan has barely decreased. As of now, I am still being told I owe approximately {$2500.00}, and MOHELA refuses to help or offer settlement or any resolution besides interest only payments. 

At one point, I was briefly placed on a zero-interest payment plan, which allowed me to make real progress. However, this option was offered only once, and despite my repeated requests, I have never been allowed back on it. Since then, MOHELA has only offered interest-only payments, which have perpetuated a never-ending cycle of debt. 

Additionally, this loan has been transferred to three different servicers during its lifetime. The terms of the loan have never been properly explained, and interest rate changes were made without adequate notice or understanding. I have asked for transparency and relief many times, but MOHELA has provided neither. 

I believe I have paid far more than what was borrowed, and I am asking the Consumer Financial Protection Bureau to intervene and help me reach a fair resolution. 

Specifically, I am requesting : The forgiveness of the remaining {$2500.00} balance. 

That my account be marked Paid in Full. 

I believe this request is justified based on the excessive interest I have already paidwell beyond the original amount borrowed. This loan has become a financial trap, and continuing to make payments would only add to the injustice Ive already endured. 

Please investigate this matter and help bring a fair and final resolution. I am prepared to provide all supporting documentation, including my payment history and correspondence with MOHELA. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this Breach : TRANSUNION Creditor Name XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$20000.00}

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 explanation
Consumer complaint received 2025-06-16 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-06-16 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-16 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX. XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Re : Warning to Remove Incorrect Items from my Credit Report To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. Account : The local XXXX  XXXX The errors are as follows see attachment as well for highlighted. 1. Date of last payment : payment history shows paid on time for XXXX. This needs updated. 2. Payment history : shows paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. But then shows late 30 days for XX/XX/XXXX, and XX/XX/XXXX. This account was closed on XX/XX/XXXX. How can I be late if the account has been closed for 4 years. This needs to be updated and corrected. 3. Late payments : XX/XX/XXXX and XXXX/XXXX. This account was never paid late and I definitely was not late in XX/XX/XXXX and XX/XX/XXXX. The account has been closed since XXXXThis needs to be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a card through synchrony bank. Which is CareCredit totally dissatisfied. By how each day theres fees associated on my account. Absolutely no way to pay it off unless paid in full payments are insane. I feel like I was misled in the event that I had to get my pet taken care of, and no one ever really explained the terms and conditions of this horrible Company

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I purchased a car for XXXX XXXX dollars in XXXX it was a XXXX XXXX XXXX the interest rate they gave me was 25 % after paying almost XXXX I still owe XXXX left .. my monthly payment is {$500.00} through Exeter finance..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
A collection account was opened by Hunter Warfield on or around XX/XX/XXXX, for an alleged debt totaling {$10000.00}. I do not have knowledge of this debt and was not notified in advance of any balance owed, nor did I receive any formal documentation validating this amount. 

As of XX/XX/XXXX, the balance remains listed as {$10000.00} past due, with no payments made or recent activity on my part. This debt was added to my credit report without my prior knowledge or consent, and I have not received any notice of the debt nor a breakdown of what the amount is for. 

I have not received any written communication from Hunter Warfield regarding this debt, and no attempt has been made to validate the debt or provide supporting documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to be notified and to request verification before any negative credit reporting takes place. 

This account is having a negative impact on my credit report. I am requesting that Hunter Warfield provide : Full validation and itemized details of the debt Written notice that complies with FDCPA regulations Immediate removal of the collection tradeline from my credit report if the debt can not be verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I made an overpayment of {$100.00} ( a XXXX and XXXX XXXX XXXX XXXX XXXX ) to my Chase Prime Credit Card and received an email from Chase requesting that I provide a checking account to receive a refund of the overpaid amount ( see attached email ). I provided a checking account I have with Chase ending in XXXX and submitted the information for processing. Later that day, I received an email from Chase confirming that the deposit had been made to my Chase account ending in XXXX ( see email attached ). My account ends in XXXX, and Chase deposited the refund in an account ending in XXXX, which does not belong to me. I called Chase multiple times, escalated the issue several times, filed three complaints, visited the branch three times, and the issue has not been resolved yet. I am transferred to different departments every time I call Chase. The representatives claim that the issue is not under their jurisdiction, and they need to contact the back office for a follow-up that never happens. Also, every time I call, they ask me to wait 10 business days for them to reply, but the response always comes in the form of a letter that states " your deposit was successfully made in the account ending in XXXX ''. No matter how many times I explain that this account DOES NOT belong to me, I receive the same infamous letter indicating that the issue has been resolved ( see letter attached ). After multiple complaints, the call center gave me a tracking number ( XXXX ) and said they could no longer help me, and I had to go to a branch to resolve the issue in person. I visited the branch three times, and nobody at the branch knew what to do with that number, so they sent me back to the call center. The banker at the branch gave me a specific number to call ( XXXX, option XXXX ) and told me they would be able to help me. I called said number, and the representative had no idea what I was talking about and transferred me to the credit card department ( AGAIN ). The credit card department does not have access to checking accounts, so they transfer me back to a different representative, and I am tossed back and forth among different departments that can not help me. It has been over 2 months now, and I still haven't received my money. I wasted countless hours on the phone and at the branch trying to resolve what seemed to be an ordinary transaction, with no success. I have attached only one of the letters I received from Chase, because they are a copy and paste of all the other letters, stating that my refund was deposited into account XXXX, which I already know. That account is not mine, so the money went to someone else, and that is the real issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MD

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 XXXX XXXX XXXX XXXX. 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 XXXXB of the Fair Credit Reporting Act.

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 2025-06-16 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation and immediate removal of several fraudulent and inaccurately reported accounts on my credit report. These accounts are in direct violation of my federally protected consumer rights to privacy, confidentiality, and accurate credit reporting. 
Accounts in Violation : 1. XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX 2. XXXX XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  4. XXXX o Reference Number : XXXX o Creditor Account # : XXXX FCRA Violations : 15 U.S.C. 1681 ( 602 ) ( a ) : I have a right to privacy. These accounts were added without my consent or knowledge.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report adverse items of information older than 7 years. Some of the accounts appear to be outdated or have inaccurate dates.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A data furnisher may not report information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : A credit reporting agency can not furnish a consumer report without written instructions from the consumer. 
Context : I was a victim of a data breach between XXXX, and received multiple notices from different hospitals that my personal information was compromised. Shortly afterward, fraudulent accounts were added to my credit report, including those from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX. I did not authorize or open these accounts. 
Despite initiating disputes with the credit bureaus and directly with XXXX XXXX, and being informed that the accounts would be removed, they still appear on my credit report and are severely damaging my credit profile. 
Additional Request : There are currently more than 8 inaccurate variations of my name listed on my credit report. My legal and correct name is : XXXX XXXX XXXX Please update and correct all instances of my name on my credit profile to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation and immediate removal of several fraudulent and inaccurately reported accounts on my credit report. These accounts are in direct violation of my federally protected consumer rights to privacy, confidentiality, and accurate credit reporting. 
Accounts in Violation : 1. XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX 2. XXXX XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX o Account Numbers ( partial ) : XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  4. XXXX o Reference Number : XXXX o Creditor Account # : XXXX FCRA Violations : 15 U.S.C. 1681 ( 602 ) ( a ) : I have a right to privacy. These accounts were added without my consent or knowledge.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report adverse items of information older than 7 years. Some of the accounts appear to be outdated or have inaccurate dates.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A data furnisher may not report information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) : A credit reporting agency can not furnish a consumer report without written instructions from the consumer. 
Context : I was a victim of a data breach between XXXX, and received multiple notices from different hospitals that my personal information was compromised. Shortly afterward, fraudulent accounts were added to my credit report, including those from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX. I did not authorize or open these accounts. 
Despite initiating disputes with the credit bureaus and directly with XXXX XXXX, and being informed that the accounts would be removed, they still appear on my credit report and are severely damaging my credit profile. 
Additional Request : There are currently more than 8 inaccurate variations of my name listed on my credit report. My legal and correct name is : XXXX XXXX XXXX Please update and correct all instances of my name on my credit profile to reflect this accurately.

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 2025-06-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, 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 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I received incorrect information from XXXX University regarding my student loan status, which has led to confusion and potential issues with my account managed by XXXX. Specifically, I was either misinformed or not properly advised about the loan terms, deferment status, or repayment requirements. 

This misinformation has caused significant problems with my credit report, resulting in a substantial impact on my credit score. 

I have contacted both XXXX University and XXXX to try to clarify the situation, but the issue remains unresolved as of XX/XX/XXXX. Im requesting that the companies involved investigate and correct the inaccurate information and provide me with a clear explanation of my loan status and 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