vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
At the end of 2024 the servicer of my student loan was changed from XXXX to Mohela. Payments have been made on the XXXX of each month on auto debit via ACH. One XX/XX/XXXX a check was presented to my bank from XXXX for {$520.00}. This was not authorized by me nor was the payment applied to my student loan account. I contacted Mohela and they said it was a confirmed issue but would not speak any further on the issue. I said this was fraud, they confirmed it was and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am submitting this formal complaint to bring to your attention a serious issue involving fraudulent and inaccurate accounts being reported on my credit file by the major credit bureaus ( Experian, Equifax, and TransUnion ). 

There are multiple accounts appearing on my credit report that do not belong to me. I believe I have been a victim of a data breach or identity theft, and these accounts were opened or reported without my knowledge or authorization. 

Despite my efforts to dispute these items directly with the credit reporting agencies, the inaccurate and unauthorized information remains on my credit file, affecting my financial well-being and credibility. 

Request for Assistance : Under the Fair Credit Reporting Act ( FCRA ) : Section 605B provides that consumers who are victims of identity theft have the right to request the removal of fraudulent information from their credit reports.

Section 623 requires information furnishers to ensure the accuracy and integrity of the data they report to credit bureaus, and to investigate and correct any information that is found to be inaccurate or unverifiable. 

unauthorized accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX BANK XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX I am requesting the CFPB 's assistance in XXXX that : All inaccurate and unauthorized accounts are promptly and permanently removed from my credit reports. 
The credit bureaus and furnishers are held accountable for failing to meet their obligations under the FCRA. 
My credit file is corrected to reflect only accurate and verifiable information that belongs to me. 

Supporting Documents Enclosed : A copy of my government-issued ID A copy of my Social Security card FTC identity theft affidavit This situation has caused me unnecessary stress, financial hardship, and delays in accessing credit. I would appreciate your help in resolving this matter urgently and ensuring that the responsible parties take appropriate action. 

Thank you for your support and attention.

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 2025-06-17 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: FL

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I deposited a {$10000.00} check into my checking account on XX/XX/year> at a physical branch in XXXX, XXXX My account has been open for over a year, and the check is from a known, verified source whose checks have cleared with this bank before. 

The bank has placed a full hold on the entire amount, including the first {$5500.00}, without providing a valid reason. 

I asked for a written explanation, the applicable Regulation CC exception, and a copy of their funds availability policy. They refused. 

First, I was told the hold was due to account age ( which is false ). Then I was told it was a branch hold. Now Im being told its a funds availability hold, but they will not supply documentation, nor can they show repeated overdrafts for more than 6 days or 6 consecutive times or fraud concerns. 

I believe this is a clear violation of 12 CFR 229.13 ( b ) under Regulation CC, which limits check holds unless properly justified. 

I am requesting regulatory enforcement, the immediate release of at least {$5500.00} per Reg CC, and investigation into the banks handling of deposit holds.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid off my credit balance full with interest on XXXX of XXXX XX/XX/year>. Despite of making full payment towards my account, Chase charged me with Interest of {$66.00} on XX/XX/year>. 

It also explicitly explains on their XXXX XXXX XXXX page that " Paying Interest - Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date ''. 

When asked about surprise interest charge, chase failed in providing me with satisfactory response, and also when I questioned about their practice of charging interest despite of paying bill in full - requesting documentation of this and where it can be found on the credit card contract, the Customer support responded with " I am not able to pull the contract ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I made a transfer on XX/XX/year> of {$2800.00} to my Crypto.com account from my account XXXX, with XXXX XXXX. 
The funds are held for 7 working days from the deposit date. That is also stated on the Crypto.com website. 
I just looked at my account with XXXX, and the funds are still pending. 
I contacted Cryptp.com customer service through chat, and the story is today is 7 working days instead of 8. They are holding my money unlawfully since the information on their website clearly states the date of the deposit counts as a first day. 
I want my money to be able to transfer out of Crypto.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: 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 in a PDF 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 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 2025-06-17 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: TX

Complaint narrative:
Despite numerous attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, the problem persists unaddressed. These unauthorized entries have profoundly impacted my life, causing significant stress and anxiety, and I must emphasize that as a victim of identity theft, I never authorized or consented to having this information associated with my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: RI

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX 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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Okay well my account has been having weird issues some transactions from different places that was not me and I called chime and got it fixed so they said they would send me a new card and it would be sent in the mail. Well I get a text message saying was this from you and it was a transaction at XXXX  so I thought and I replied no. Then I get a message saying you will get a phone call which I did. 
It was someone pretending to be chime and saying they were helping me secure my account and told me I needed to move my money from my savings to my checking and freeze my card and send it to them and I said no that sounds weird but he assured me that since I froze my card nothing would happen when I did he immediately hung up when I realized what I did and that I got scammed I called chime. All they did was give me the run around saying to do so many things and when I did them they still denied my claim 6 times and I sent everything I had to show prof that I was scammed I pleaded and told them thats all I had to my name and they ignored everything. Chime says in the paperwork when you sign up for chime that they are big on helping people to get their disputes and big on security but they really dont.. I have done a police report and sent it to them I sent screen shots and everything even wrote two letters pleading my case to them but nothing..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

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 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 2025-06-17 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: MA

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 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 2025-06-17 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: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing inaccurate and inconsistent information being reported by Jefferson Capital Systems on my credit reports with XXXX XXXX XXXX XXXX  The account reflects conflicting details across the three bureaus, which I believe violates the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

The account was opened on XX/XX/XXXX with a balance of {$390.00}. However, the reporting of payment status and activity dates differ : XXXX XXXX XXXX  list the account as Collection/Chargeoff with a last reporting date of XX/XX/XXXX. 

XXXX reports the same account as Late 120 Days with a last update of XX/XX/XXXX, not as a charge-off. 

The " Date of Last Activity '' is XX/XX/XXXX on XXXX but shows as XX/XX/XXXX on XXXX, which is contradictory. 

XXXX XXXXists " OK '' ( on-time ) payment history for multiple months in XXXX even though it also reports the account as 120 days late and in collections, which is inaccurate and misleading. 

Additionally, the " Date of Last Payment '' is either missing or inconsistent across reports, making it difficult to validate the timeline of the alleged debt. 

Under FCRA 1681e ( b ), credit bureaus and furnishers are required to ensure maximum possible accuracy. These discrepancies prove that this standard is not being met. If the reporting company can not verify accurate, consistent, and complete informationincluding dates, balance, payment history, and statusthen the account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: RI

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 XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX 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 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 

XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : 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 2025-06-17 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: OH

Complaint narrative:
I reviewed my credit report and noticed a fraudulent account that does not belong to me. please delete this account as it prevent me to obtain credit

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 2025-06-17 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:
Please remove the information from the following account number, XXXX, off my credit report. The attached 1099A documents the settlement of this obligation. The Federal Trade Commission ( FTC ) has proof of payment from this account in the attachment below. If this information is not removed from my credit record, I will take further action with the FTC. This error should be fixed as soon as feasible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

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 non-monetary relief