vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NY

Complaint narrative:
Request for Full Discharge of Student Loans Due to Mohela Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by Mohela due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options.

Mohela misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Mohela has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Mohela has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). LENDER conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on Model advice and entrusted them to manage my student loans be fully forgiven. 
Full Discharge of All Loans Held by Mohela : Due to misleading guidance and unethical loan management practices, I respectfully request that all loans serviced by Mohela be fully discharged. This will relieve the overwhelming financial burden that I have carried due to their actions. 
Refund of Excess Payments : Any payments made during periods of forbearance or deferment encouraged by Mohela that lead to capitalized interest and inflated balances should be refunded. This would compensate for the financial damage caused by their misrepresentation. 
Credit Repair : Mohela misreporting of my payment status has significantly damaged my credit score. As part of the resolution, I request that all adverse reports related to my student loans be removed or corrected to reflect the discharge and Mohela misconduct.

Proactive Financial Assistance : Due to the financial harm caused by Mohela actions, I believe that offering credit counseling or financial assistance in rebuilding my financial standing would be a fair step toward restoring my fiscal health. Mohela actions have left me and many others with unjust debt, and I hope the CFPB can help deliver a resolution that corrects these wrongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
My XXXX XXXX  Synchrony credit card had a 0 % interest promotional offer ending XX/XX/year>, with a XXXX grace period to pay the balance in full. My XXXX and XXXX statements were delayed, and Synchrony representatives confirmed there was a recent system update that affected account access. Because of those issues, I couldnt view or pay my balance on time, even though I was fully prepared to do so. Synchrony waived late fees for those months but still applied over $ XXXX in deferred interest. During my most recent call, a representative was dismissive and refused to escalate my case further. Ive made multiple good-faith efforts to resolve this and am requesting a review and reversal of the retroactive interest based on the acknowledged billing delays, access issues, and poor customer service.

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 2025-10-30 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 writing to formally dispute and request deletion of inaccurate information that has appeared on my TransUnion credit report due to a potential data breach and unauthorized reporting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, verifiable, and complete information on my credit file. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XXXX  Balance : {$190.00} This account is being reported inaccurately and without my verified authorization. It appears to have been compromised or mishandled as a result of a data breach. I am demanding an immediate investigation in compliance with FCRA 611 ( 15 U.S.C. 1681i ) and deletion of this account if it can not be fully verified with proper documentation. 

Additionally, I am disputing the following recent inquiries that were not authorized by me and may have resulted from the same data breach incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NE

Complaint narrative:
I did not open these accounts, and they are fraudulent. Kindly remove them from my record and conduct a proper investigation. Proof is attached.

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 2025-10-29 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: NE

Complaint narrative:
I never authorized or established these accounts. They appear fraudulent, and I request their removal and investigation. Evidence is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was Approved for Citi XXXX XXXX XXXX and after using the card 1 time they closed my account for no reason making my credit score drop by adding closed account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
A XXXX XXXX Bank XXXX, XXXX. account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has been falsely reported on my credit files with XXXX, Experian, and XXXX. I have never applied for or received any XXXX XXXX account, nor authorized anyone to open one in my name. This is an identity theft situation. Despite notifying the credit bureaus and providing identification, this account continues to appear with false late-payment notations that are harming my creditworthiness. 

This constitutes a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 605B failure to block identity theft accounts upon request ; 609 ( a ) ( 1 ) ( A ) failure to provide sources and verification ; 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation ; 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information ; and 602A failure to assure maximum possible accuracy. 

The ongoing reporting of this unauthorized account is unverifiable, inaccurate, incomplete, and unauthorized 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 explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I was recently denied credit for a Mortgage Loan, following my denial I ordered my Annual Credit Reports from the 3 Major Credit Reporting Agencies EQUIFAX, TRANSUNION, and EXPERIAN  and to my findings I am aware that I am VICTIM OF IDENTITY THEFT, I am listing all FRAUDULENT ACCOUNTS IN THIS COMPLAINT AND PER MY RIGHTS I REQUEST THIS INFORMATION BE BLOCKED PURSUANT TO SECTION 605B of the Fair Credit Reporting Act.. Enclosed you will find Identity Verification and list of accounts fraudulently opened

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was recently denied credit for a Mortgage Loan, following my denial I ordered my Annual Credit Reports from the 3 Major Credit Reporting Agencies EQUIFAX, TRANSUNION, and EXPERIAN  and to my findings I am aware that I am VICTIM OF IDENTITY THEFT, I am listing all FRAUDULENT ACCOUNTS IN THIS COMPLAINT AND PER MY RIGHTS I REQUEST THIS INFORMATION BE BLOCKED PURSUANT TO SECTION 605B of the Fair Credit Reporting Act.. Enclosed you will find Identity Verification and list of accounts fraudulently opened

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 2025-10-30 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: CA

Complaint narrative:
I routinely monitor my credit report because maintaining a strong credit profile is important to me, yet I keep finding the same inaccurate and false information appearing over and over again. Despite my repeated attempts to dispute and correct these errors, nothing has been resolved. This ongoing issue has become incredibly stressful and exhausting, and it continues to harm my credit score and overall financial well-being unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
XXXXOn XXXX XXXX XXXX I called M&T Bank and spoke with their XXXX XXXX  to request a credit limit increase for a credit card that I opened with the bank since XXXX XXXXApplication Confirmation NoXXXX XXXX XXXX XXXXThe bank checked my XXXX  credit bureaux report with a hard inquiry dated XXXX XXXX XXXXOn XXXX XXXX XXXX; and without my consent, the bank hit my XXXX  Credit Bureaux Report with another hard inquiry. \n\nI never submitted any capplication with the bank on XXXX XXXX XXXXI submitted a complaint with the bank that they didn't have my consent for the hard inquiry made on XXXX XXXXThe bank failed to provide any explanation to the hard inquiry, however. XXXXThe bank also denied my application for the credit limit increase, despite the fact that my payment history with the bank and my XXXX  Credit Score qualify me for the credit limit increase. \n\nI submitted a complaint with the bank customer service, but my complaint remains unresolved.\n\n\nI believe that the bank is biased against me and discriminating against me on the basis of national origin, age, gender, perceived ethnicity,  perceived race, and perceived religion. \n\n\nI hope that this complaint would encourage the bank to provide equal opportunity and to enforce state and federal anti discrimination laws within their own organization."

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I need to prove to motor vehicle dealership board transaction recovery funds in XXXX va that the name written on certified check received the amount showing as payee. The person on back of check was the seller who deposited the check into a truist bank account ( attachment ). 
I also have judgement on the person on court document. 
I have to link the dealership with seller to see if dealership benefitted from the sale of the vehicle i purchased in which they are trying to separate themselves from. 
If you can help me in anyway it be appreciated.

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 2025-10-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XX/XX/year> they open up a XXXX account. I got locked up in XX/XX/year> I went to the federal. Transworld is reporting on my credit. Also all the inquiries that keep putting on my record, Ill give you the time dates the dispute letter to help me with. I appreciate everything yall doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: SC

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-29 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: MI

Complaint narrative:
The following two XXXX XXXX Bank accounts are being reported inaccurately and with no permissible purpose : 1. Account # 1 Opened XX/XX/XXXX, limit {$300.00}, closed XX/XX/XXXX, balance {$130.00}. 
2. Account # 2 Opened XX/XX/XXXX, limit {$500.00}, charged off XX/XX/XXXX, balance {$170.00}. 

My XXXX  XXXX bankruptcy was discharged on XX/XX/XXXX, before either account was opened, meaning neither was part of the bankruptcy estate or discharge. Reporting them as charged-off or derogatory violates FCRA 604 ( a ) ( lack of permissible purpose ) and 607 ( b ) ( failure to ensure maximum possible accuracy ).

These accounts also show contradictory payment histories and appear to be duplicated across multiple bureaus. All third-party data sources ( XXXX, XXXX, XXXX, XXXX  ) are under active security freeze, making lawful verification impossible. 

I request : 1. Permanent deletion of both XXXX XXXX Bank tradelines. 
2. Documentation of the verification source used under 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has really been stressful for me and my family and it has us on the verge of being homeless as we can't move because of this please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: DISCOVER BANK
State: MI

Complaint narrative:
I checked my credit report status through XXXX XXXX XXXX noted 2 hard inquiries on my XXXX  and XXXX  credit reports that I did not request or authorize. 

The first hard inquiry occurred on XX/XX/year> from XXXX XXXX ( Bank ). 
The second hard inquiry occurred XX/XX/year> from XXXX ( XXXX ). 

Upon noting these unauthorized hard inquiries, I contacted XXXX  directly & it was confirmed that these hard inquiries did occur. I was then directed to submit this complaint. I was told that once this complaint is submitted, it will be sent to all the credit reporting companies in order to remove these hard inquiries from my reports. The XXXX  representative also placed a fraud protection on my credit report that will be in place for the next year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CA

Complaint narrative:
What happened : Klarna is attempting to collect payment for an XXXX transaction that was already refunded by the merchant. 

Details : XXXX issued refunds of {$83.00} and {$37.00} on. Despite these refunds, Klarna continues to show the original charge as due and has attempted to debit my account. I provided Klarna with XXXX refund confirmation and screenshots, but they have not corrected my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
A XXXX XXXX Bank XXXX, XXXX. account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has been falsely reported on my credit files with TransUnion, XXXX, and XXXX. I have never applied for or received any XXXX XXXX account, nor authorized anyone to open one in my name. This is an identity theft situation. Despite notifying the credit bureaus and providing identification, this account continues to appear with false late-payment notations that are harming my creditworthiness. 

This constitutes a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 605B failure to block identity theft accounts upon request ; 609 ( a ) ( 1 ) ( A ) failure to provide sources and verification ; 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation ; 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information ; and 602A failure to assure maximum possible accuracy. 

The ongoing reporting of this unauthorized account is unverifiable, inaccurate, incomplete, and unauthorized 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