vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I called Mohela and after 1.5hrs literally of being on hold lady says I need to speak to a special agent and ask for a processing forbearance because my student loan acct has been on IBR sinceXXXX with {$0.00} XXXX and now they want me to pay $ XXXX per month and say I currently owe {$1700.00} past dueIm trying to refinance my home and it is causing issues on my credit reportI asked lady at Mohela for a direct phone number for department that I need to talk to and she said theres only one phone number for the ENTIRE USA what that is crazyI was on hold for 3hrs and call drops meI have emailed etc and will fax but lady says the processing forbearance can ONLY be done on the phoneit should be an automatic thing if it is their delay not my faultthey have had my paperwork processing since XX/XX/year> or before the GOVERNMENT NEEDS TO GET THEIR BUSINESS TOGETHER AND GET THIS FIXEDit is holding my life up and causing a burden on our indigent family who really needs my loans at a {$0.00} payment and clear Mohela account with proof so that we can move forward with our lifeit should not be this much of a burden to manage something that should have already been taken care of by the facility itself

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. These inquiries includes ; XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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:
Due to a data breach with all 3 credit bureaus. Errors on the data that is being reported to all three credit bureaus. All charge offs, closed accounts, bankruptcy information, late payments, hard inquiries, soft inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Due to a data breach with all 3 credit bureaus. Errors on the data that is being reported to all three credit bureaus. All charge offs, closed accounts, bankruptcy information, late payments, hard inquiries, soft inquires

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 2025-02-22 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Accounts : XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 2025-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CADENCE BANK
State: TX

Complaint narrative:
On XX/XX/25 we received a notice from XXXX XXXX XXXX that our city property taxes are delinquent and are accruing interest and penalties. We called Cadence Bank and the woman we spoke to confirmed that they had failed to pay BOTH our city XXXX XXXX taxes this year out of our escrow account. She implied that our escrow account had a XXXX balance, and we were able to pull up our escrow balance of {$6400.00} and read it off to her. She said that she would send an email to the mortgage department but could not provide any clarity on what action Cadence Bank intends to take to settle our delinquent tax bills and account for the large, growing penalties being levied against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Account opened without my knowledge victim of identity theft. I have attached report XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Account opened without my knowledge victim of identity theft. I have attached report XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX 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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Mailed XXXX minus XXXX before third party check was deposited and have supplied all third party checks evidence of consent to deposit into my account now withholding remaining XXXX check plus XXXX total XXXX that should be refunded to me 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 monetary relief
Consumer complaint received 2025-02-22 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was traveling abroad in XXXX caught a taxi service from a parking lot next to the resort on XX/XX/XXXX The guy tried running my credit card for XXXX several times said it wasn't going through he said so I paid {$90.00} cash no receipts were given for declined transaction or cash payment he barely spoke English... and the other taxi driver took me to my location When I noticed the transactions totaling {$250.00} on my credit card statement on the XXXX of XXXX I contacted American Express the moment I got home they refused to reverse the transaction I reached out to the better Business bureau their corporate office called me and told me no that they were valid transactions that they were not going to reverse them that they had receipts which they don't The company name the only thing that's showing on those receipts XXXX something or other is not a legitimate business or name or anything I've done diligent research and could not locate any business or company related to taxi service or credit card transactions with that business name American Express is only providing the transaction receipts that come through on their end they have no actual information for this company in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I was charged {$37.00} from XXXX for a meal that included a {$5.00} tip. However, the following day they charged me an extra {$5.00} without my permission. I have been given the runaround by CashApp and have been told different amount of days to wait for a pending amount to clear to report by different customer support staff. Furthermore, the receipt XXXX sent me is for {$32.00}, which is not the amount I was charged. I have also contacted XXXX and received no amount of help despite showing proof of the issue. The interesting part is that the extra {$5.00} is not pending.

I have had one issue with this card regarding a different merchant weeks before this in that I was being constantly charged and given back {$2.00}. 

I have never dealt with any of these issues with other card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Experian for Failure to Correct Identity Theft Issues To Whom It May Concern, I am filing a formal complaint against Experian due to its outright refusal to correct fraudulent information on my credit report, which arose from identity theft. Despite providing clear evidence that XXXX XXXX accounts were fraudulently opened in my name, Experian has refused to take action to remove them. 

These fraudulent accounts were opened under the name XXXX XXXX. However, my full legal name is XXXX XXXX XXXX, and I always use my middle initial or full middle name. The identity thief did not know this, which is clear evidence that these accounts do not belong to me. Despite this discrepancy, Experian continues to report these accounts as valid. 

Additionally, Experian has created unnecessary barriers to correcting this information. Their website makes it nearly impossible to submit disputes without purchasing a paid membership, which is an exploitative practice that directly harms consumers. By refusing to correct these errors, Experian allows XXXX XXXX to continue harassing me over fraudulent accounts that I did not open. 

Experians failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) is unacceptable. I demand immediate corrective action, including the full removal of all fraudulent XXXX XXXX accounts from my credit report. I am attaching supporting documents that further illustrate Experians failure to resolve this matter. 

I request that the Consumer Financial Protection Bureau investigate Experians practices and ensure compliance with federal regulations. I expect a prompt response and resolution to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: IL

Complaint narrative:
My car was repossessed XX/XX/year> My car was re-sold XX/XX/year> around the first week of XXXX. They emailed me and sent me a letter saying that I owe XXXX on my vehicle but on my credit report it is stating that I owe XXXX I would like to request a bill of sale due to the part due to the vehicle being re-sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint about fraudulent accounts and inquiries on my credit report, caused by identity theft from a data breach. Despite repeated attempts to resolve this with the company, my concerns are being ignored.

This is putting my mortgage application at risk, as negative entries are quickly filling up my report. I urgently request that these fraudulent accounts and inquiries be blocked or removed within 3-5 days to prevent further damage.

I appreciate your prompt attention to this matter and hope for a swift resolution

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 2025-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAGGUILLI LAW FIRM, PLLC
State: NY

Complaint narrative:
I am filing a complaint against Magguilli Law Firm , PLLC for improperly charging me legal fees after I requested debt validation. On XX/XX/year>, I submitted a formal debt validation request, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The law firm responded with some documentation regarding a past agreement but also imposed a legal fee of {$430.00}, despite my request being a standard validation inquiry. I did not request or authorize any billable legal services, nor do I acknowledge ownership of the alleged debt. Charging a fee for responding to a debt validation request is unfair, deceptive, and potentially unlawful under the FDCPA. 

Although I have not made any payments toward this charge, I am concerned about the firms attempt to impose improper fees simply because I exercised my legal right to request validation of the alleged debt. This creates unnecessary stress and raises concerns about whether the law firm is misleading consumers into paying fees they do not owe. 
Additionally, this charge could lead to further financial complications, such as being wrongly pursued for payment or having it improperly reported on my credit file. The firms actions may deter consumers from requesting proper validation, violating the spirit and intent of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
I received email concerning my daughter 's Parent Plus loan were going to start repayment plan as of XX/XX/XXXX. My Parent Plus loan are being serviced by Mohela. I went on Mohela 's website and no loans are any where to be found. It says I have {$0.00} loan debts. I Received an email directly from Mohela on XX/XX/XXXX stating my student loan is past due. ( {$1700.00} ) Then I get another email directly from Mohela on XX/XX/XXXX stating my student loan are past due with a total due of : {$5200.00}. Which is scary due to the fact that this has impact on my credit now. I have no way of accessing the information on Mohela. My information can not be found. I created a new account and my old student loans were found however they have been forgiven as of XX/XX/XXXX. 
I did find the student loans on the Dept of Education/FAFSA website however, I am not eligible to apply for IDR, or even consolidate my loans at all. I am afraid of what this is going to do with my daughter 's hope to attend XXXX XXXX  coming up and applying for loans then let alone with my credit being ruined. I am at all loss. I only make about $ XXXX a year as a XXXX  and I have XXXX other children. Not sure what to do and filing a complaint is the best thing at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
There are two serious issues with my student loans, which remain unresolved despite multiple calls and emails with MOHELA customer service representatives. I also wrote a letter to MOHELA due to the lack of corrective action and requested that this matter be escalated to a higher level of authority for urgent review and resolution but did not hear back.

Issue 1 : Incorrect Interest Accrual on Loans in Administrative Forbearance I have repeatedly inquired about why interest continues to accrue on my loans currently in administrative forbearance. Every representative I have spoken to has stated that interest accrues during this period ; however, according to the official document provided to me on my online account, dated XX/XX/year>, the interest rate should be XXXX during administrative forbearance. I have requested that : The interest rate on these loans be corrected to 0 % immediately. 
Any interest accrued since the loans entered administrative forbearance be removed from my balance. 

Issue 2 : Loan Excluded from Administrative Forbearance I have pointed out to the loan servicer that one of my loans was mistakenly left out of administrative forbearance. The representative acknowledged this error and assured me it would be corrected within five business days. It has now been more than 2 months, and this loan remains incorrectly in repayment status. Im requesting that : This loan be immediately placed into administrative forbearance, as it should have been from the beginning. 
The interest rate for this loan also be corrected to 0 %, in accordance with the terms of the forbearance. 
Any accrued interest since the forbearance period began be removed from the balance. 
I have tried repeatedly to resolve these issues directly with MOHELA. Given the repeated lack of resolution, I decided it was time to take other avenues of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation