vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Applied to IBR on XX/XX/XXXX on student aid gov. Opting out of SAVE to IDR d/t PSLF and wanting to make payments! 
XXXX was under review XX/XX/XXXX on student aid. gov Application was processed XX/XX/XXXX by Mohela. ( AFTER CALLING MULTIPLE TIMES and talking to multiple people ) XX/XX/XXXX Received letter from Mohela with important account information changing to IBR. 
XX/XX/XXXX student aid. gov completed application for IBR. 
XX/XX/XXXX Moehla notified repayment plan request is approved. 
XX/XX/XXXX Mohela notified repayment schedule change. 
XX/XX/XXXX Mohela sent notice of repayment schedule change. 
XX/XX/XXXX student aid updated/ created IDR application!? ( I DID NOT SUBMIT ) Requesting change plan to SAVE plan???? WHY and I did not do this. DATE on application is from XX/XX/XXXX!???!?!? WHAT? 
XX/XX/XXXX studentaid.gov showed SAVE application ( that I did not request ) review. Also application is still in review per current XX/XX/XXXX on student aid .gov ) XX/XX/XXXX student aid. gov PSLF form submission- I submitted this for PSLF payment update. 
XX/XX/XXXX student aid. gov PSLF form review - form received and in review. 
XX/XX/XXXX Sent multiple messages ( at least XXXX ) to Mohela customer service regarding INCORRECT/NOT SENT SAVE application and calls unable to get an answer. Previously student aid. gov told me that they don't have control over the applications hence why I contacted Mohela. 
XX/XX/XXXX student aid. gov completed PSLF form XX/XX/XXXX Mohela notified IDR payment is due soon. 
XX/XX/XXXX Mohela notified -- -Your student loans have been placed into forbearance and you are currently a borrower on SAVE. WHAT?! and now I am no longer in IDR or PSLF. 
XX/XX/XXXX student aid. gov application ( the one I did not apply to ) still under application review that was submitted on XX/XX/XXXX by someone other than ME. 
XX/XX/XXXX - Submitted complaint to consumer finance. gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am writing to file a complaint against Halsted Financial for violating the Fair Debt Collection Practices Act ( FDCPA ). Halsted Financial has contacted my father, XXXX XXXX, multiple times via text message regarding a debt that is allegedly in my name. These text messages have occurred approximately five to ten times. 

Each text message sent to my father includes specific verbiage about resolving a debt and explicitly lists the account names associated with this alleged debt. My father, XXXX XXXX, has absolutely no connection to this debt. He was not a co-signer, nor did he ever guarantee this obligation. Furthermore, my father and I have not resided in the same state for decades and have maintained completely separate financial affairs.

Halsted Financial 's actions of repeatedly contacting my father and disclosing details about my alleged debt directly violate the FDCPA 's prohibition against communicating debt information to third parties. Their communication goes beyond a permissible attempt to locate me, as they are actively discussing the debt and payment options with him. This has caused undue distress and constitutes an illegal disclosure of my personal financial information to a third party with no legitimate connection to the debt. 

I request that the CFPB investigate Halsted Financial 's illegal debt collection practices and take appropriate action to ensure they comply with the FDCPA and cease this unlawful harassment of my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a notice regarding fraudulent inquiries on my credit report resulting from identity theft linked to the XXXX XXXX national data breach, XXXX, and many more shown in the attachments. Under UCC 1-605 ( b ), FCRA ( 15 U.S.C. 1681 ), and 18 U.S.C. 1028A ( Aggravated Identity Theft ), I demand the immediate deletion of these inquiries within four ( 4 ) business days, as they were never authorized by me and can not be lawfully verified. 

Fraudulent Inquiries to Be Removed Immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Violations & Required Actions : UCC 1-605 ( b ) You are legally obligated to correct or verify disputed information within 4 business days. Failure to do so constitutes waiver of any claim to these fraudulent entries.

FCRA 1681b ( c ) ( 3 ) Prohibits reporting inquiries not initiated by the consumer.

FCRA 1681c-2 Mandates blocking of identity theft-related fraudulent data.

18 U.S.C. 1028A These inquiries resulted from criminal identity theft, punishable by federal law. 

Connection to XX/XX/XXXX XXXX XXXX XXXX : These inquiries directly correlate with the massive data breach in XX/XX/XXXX, which compromised my personal and financial data. Their appearance on my report is irrefutable evidence of fraud. 

Demand for Compliance Within 4 Business Days : DELETE all fraudulent inquiries immediately and no later than [ 4 business days from receipt ]. 

SEND WRITTEN CONFIRMATION of deletion via certified mail and email. 

XXXX XXXX any related fraudulent accountsI never authorized them.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-10 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding the reporting and handling of several charged-off accounts on my credit report. I believe the actions of the following creditors and/or debt collectors may be in violation of my consumer rights under federal law : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are reported as charged-off, and I have the following concerns : Verification of Debt ( FCRA 611 & FDCPA 809 ) : I was not properly notified or given full verification of these debts before or after they were charged off or sent to collections. Under the FCRA and FDCPA, I have the right to request and receive debt validation before collection or reporting.

Accurate Reporting ( FCRA 623 ) : Creditors must report accurate and complete information. If any of these accounts were settled, discharged, disputed, or include inflated fees, they must be corrected or removed. Continued reporting without validation may constitute a violation.

Time-Barred or Stale Debt ( FCRA + State Statutes of Limitations ) : If any of these accounts are beyond the statute of limitations for collection or credit reporting ( generally 7 years under FCRA 605 ( a ) ), they must be removed. I request confirmation of the " date of first delinquency '' for each.

Unfair or Deceptive Practices ( FDCPA 807 ) : If collectors are reporting charged-off debts in a misleading or harassing way, or continuing to report after being asked for verification, they may be engaging in deceptive practices.

Charge-Off vs. Collection Clarity : In many cases, debts are charged off but then sold or transferred without clear consumer notice or opportunity to resolve them. This process often leads to duplicate reporting and significant damage to credit in contradiction of FCRAs aim for fairness and accuracy.

I request the following from each creditor or collection agency : Full validation of the debt, including a breakdown of charges and dates.

Date of first delinquency used for credit reporting.

Evidence that proper notice was given before charge-off or collection.

Confirmation that the reported information complies with federal law.

Please investigate these issues and help ensure my credit report is fair, accurate, and in compliance with consumer protection laws.

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My XXXX XXXX credit card says that I have a balance due. Says that Im behind and I believe youve charged me late fees and interest, but I have never used my XXXXXXXX XXXX credit card. Ive never bought anything with it. I havent even had it for that long. I didnt get permission for anyone else to use it actually now that Im looking for it. I cant even find it. I dont know where it is. I just looked in my nightstand. I looked in my wallet. I asked my husband he doesnt have it. He hasnt bought anything and I think I would know if I had new furniture. So all the transactions are fraudulent which theres only a couple transactions but we didnt make any of them. Theyre all fraudulent transactions. I would ask that you cancel my card and issue a new one and investigate who used my card. What do you need me to do? Do I need to fill anything out

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 2025-05-10 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : 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 XXXX 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 * * * * INQUIERES FIRST XXXX - XXXX CAPITAL XXXX - XXXX 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 XXXX 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 CREDIT BUREAU 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 XXXX XXXXays 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 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 2025-05-10 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: NY

Complaint narrative:
I have a identity restoration confirmation # XXXX from equifax that my identity has been used throughout this data breach

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters by mail on XX/XX/year> to XXXX XXXX and Experian. Its over 40 days and none of them have sent me the results of the investigation

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 2025-05-12 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: PA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-10 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: WI

Complaint narrative:
I am writing to formally dispute the reporting of XXXX XXXX accounts associated with XXXX and XXXX on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 
It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts.

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 2025-05-11 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: FL

Complaint narrative:
I hereby request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the XXXX XXXX XXXX XXXX Trans Union for its violation of the FCRA. I request the following remedies : Immediate removal of the erroneous information regarding XXXX late payments for account number XXXX of XXXX XXXX XXXX XXXX XXXX credit report. XXXX of FCRA regulations to ensure Trans Union 's compliance with consumer protection laws. Compensation for damages incurred as a result of Trans Union 's failure to comply with FCRA regulations. 

I have attached copies of all relevant evidence and documentation, such as payment vouchers, bank statements, and bank transactions from that date and the amount paid, for submission to Trans Union.

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