vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI

Complaint narrative:
My statement dated XX/XX/2020 lists a balance of {$13.00}. XXXX. The current principal balance on the statement is listed at XXXX. When I log in online it shows a principle balance of XXXX as of XX/XX/2020. The statement indicates that fees are included in the total balance but this lender is charging me separately for fees with a balance of {$940.00} and they also have not applied any payments that I made to the fees balance on the statement. This lender is charging me incorrectly and using fraud billing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing the charges, dates and amounts being charged. I have attached the original statement that was sent to me from the debt collector. You can see at the top right it says statement date is XX/XX/XXXX it then says statement covers Winter Quarter XXXX. The statement also has typing outside of the box which indicates to me that it is fraudulent. This is a discrepancy. I attended the school in XXXX and XXXX however there is a discrepancy in the documentation and it has not been removed from my credit report which is illegal. I am disputing the entire balance. I just recently disputed it and it was not removed even with the inaccuracy and supporting documentation that I provided.

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 2020-07-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
I have disputed this debt with the school and debt collector and they are still reporting it on my credit report. The documentation they provide to support billing is not only confusing but it also lists a statement date that covers the year XXXX in the top right corner and I did not attend until XXXX. XXXX is showing loan disbursement amounts totals of {$3600.00} disbursed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX is showing loan disbursement totals of {$3600.00} disbursed on XX/XX/XXXX and XX/XX/XXXX. There is also a discrepancy with the statement indicating that it covers Winter Quarter XXXX at the top right. Please remove this from my credit report as this debt does not appear to be mine. I have attached copies of my loan details as supporting documentation.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
i have inquiries that wasn't authorized i have notified credit bureaus, but they won't remove. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX my identity was compromised. i filed a police report. Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have inquiries that wasn't authorized i have notified credit bureaus, but they won't remove. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX my identity was compromised. i filed a police report. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has some kind of internal block on my credit report/profile and Im asking them to remove it as soon as possible. I would like for Experian to remove any/ all internal blocks, credit freezes, security freezes or any other blocks, they may have placed on my Experian credit report/profile as soon as possible.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Im the victim of incorrect reporting. I dont recognize two of the accounts on my report. MOHELA lists student loans that are unpaid that I do not have. I have never had a student loan. These accounts were originally listed in 2023 and I disputed them then- in XXXX. They were then closed/ removed from my credit report. However, now they are showing up again, now as late. This has caused my credit score to drop from Exceptional to Fair, nearly XXXX points. I have tried to reach MOHELA multiple times to understand how and why they are reporting loans I don't have to affect my credit score. I have not been able to reach anyone. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: KY

Complaint narrative:
MOHELA reported my loans to debt collectors and it affected my credit score tremendously. They had inaccurate information reported. I called mohela and they said they was nothing they could do because it was already posted on my credit. They did however fix the issue on the Mohela website but I need it fixed on my credit report also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: MOHELA
State: MS

Complaint narrative:
I have received several emails about the debt, and they are trying to get me to make a payment now. I haven't contacted them back to resolve anything yet. Also, I filled out the form for the forgiveness of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MI

Complaint narrative:
I consolidated multiple loans with doing that it made my oldest accounts look new again and I don't think it's fair to be penalized for trying to consolidate loan debt due to my education expenses. That took my score down almost XXXX points, not fair to me that I'm trying to get my debt in order and yet mohela is reporting the multiple loans that I consolidated as closed and they were my oldest revolving accounts so when they became labeled as closed accounts it dropped my credit score over XXXX points and I feel like they are not giving me adequate credit for the many years I've kept every single loan in good standing since day one, in 2016. It's but another set back for a person trying to wade through this system in a tiny boat alone doing the right thing like I have I still am and have been penalized for making a bunch of loans one manageable loan with no interest hikes., I need mohela or whatever they've changed name to, Missouri student something or whatever, I need them to do whatever is necessary to indicate the loans aren't closed they're just consolidated and they still exist. I need comments ir updates added to my report asap so my score is not affected in a negative Way like it has been since I chose right and consolidated 13 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Imprint Payments, Inc.
State: NV

Complaint narrative:
I opened a XXXXXXXX XXXX XXXXXXXX XXXX credit card with XXXX XXXX in XX/XX/XXXX and intentionally selected a XXXX 0 % promotional financing plan for my purchase. This promotional plan was approved and active at the time the account was transferred from XXXX to Imprint Payments. Upon transfer, Imprint unilaterally assigned my account a 33.99 % variable APR without my consent, without running my credit, and without any disclosure or written notice that my original promotional financing terms would be revoked. My current credit score is approximately XXXX, so assigning XXXX of the highest possible APRs without a credit evaluation is inappropriate and unjustified. I immediately contacted XXXX after noticing the incorrect APR on XX/XX/XXXX and again on XX/XX/XXXX. Imprint informed me that nothing could be done and the investigation may take up to 90 days during which I would continue accruing interest that stemmed from their error, not mine. I requested a pause of interest accrual during the investigational period and was told that is something that can not be done and that I must wait for the dispute to be settled. I offered to provide my last statement from XXXX to expedite the process to which I was told it would not help rectify the matter. I am requesting CFPB assistance because : My original 0 % promotional financing terms have been altered without consent. I am being charged high interest rates that were not part of the agreement. Imprint assigned new terms without a credit check or adverse action notice. Imprint refuses corrective action, interest reversal, or temporary interest suspension. This constitutes improper modification of credit terms and potential FCBA violations. I am requesting : Reinstatement of the original XXXX 0 % promotional financing. Reversal of all improperly assessed interest. Written confirmation of corrected terms. XXXX that no negative credit reporting occurs during the dispute. I have documentation showing the original promotional offer and Imprints refusal to correct the error. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am filing this complaint regarding an alleged debt being collected by Credence Resource Management LLC on behalf of XXXX XXXX XXXX XXXX. In XXXX, I experienced a medical hardship and was hospitalized. During that time, I contacted the original creditor ( XXXX XXXX XXXX XXXX ) and informed them of my situation. I also provided documentation related to my hospitalization. Despite this, the account was later placed into collections. On or about XX/XX/XXXX, I sent a formal written request for debt validation to Credence Resource Management LLC via certified mail. In response, the company only provided a billing statement and a summary of charges. They did not provide sufficient documentation to validate the debt as required under federal law. Specifically, they failed to provide : - A contract or agreement bearing my signature - Proof that I am legally obligated to pay this debt - A complete chain of assignment showing their legal right to collect - Detailed account-level documentation supporting the balance Additionally, I have reason to question the accuracy and validity of this debt due to prior disputes and circumstances surrounding my medical hardship. I believe this is an attempt to collect a debt that has not been properly validated and may not be owed. This has caused me stress and has negatively impacted my credit and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
There have been a lot money taking out my account billing errors and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding Bank XXXX XXXX involving Wells Fargo and XXXX. I was deceived by an individual that called me impersonating a Wells Fargo representation, which resulted in a transfer from my checking account using XXXX. Wells Fargo denied claim even though the transaction resulted from fraud. Phone call came from a legitimate Wells Fargo bank ( XXXX ). Claimed my account had been compromised for {$3500.00}. Directed me to take immediate action to cancel transfers. Took me thru a cancellation process that resulted in {$4900.00} being stolen from checking using XXXX. I was deceived into acting under false pretenses by someone impersonating Wells Fargo. I contacted Wells Fargo that same day to report fraud. I do not use XXXX on a regular basis and I fault them for setting my daily limit to {$5000.00}. Wells Fargo Claim : XXXX {$4900.00} XXXX AZ Police Department report : 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 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I.C. System issued a written notice stating that it was unable to verify the account and that it had requested deletion or removal of the account from the credit reporting agencies. On XX/XX/year> within 24 hours I.C. System issued a second written notice titled Account Validation stating that the debt had been verified and that documentation had been provided by XXXX XXXX XXXXXXXX supporting the balance of {$410.00}. These two determinations are materially contradictory. An account can not simultaneously be unable to verify and verified absent newly obtained, material documentation. No explanation has been provided identifying what documentation was obtained, when it was obtained, or how it reversed the prior determination. Despite the prior written admission that the account could not be verified and that deletion had been requested, the account continues to report on my XXXX and XXXX credit reports. The issuance of conflicting investigation outcomes within a 24-hour period calls into question the reliability, accuracy, and reasonableness of the investigation procedures used before furnishing and continuing to report this account. I have requested clarification and documentation explaining : What documentation was reviewed on XX/XX/year> What additional documentation, if any, was obtained on XX/XX/year> How the account transitioned from unable to verify to verified within 24 hours Whether the deletion request to the credit bureaus was rescinded, and on what basis No sufficient explanation has been provided.

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 2026-02-23 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: FL

Complaint narrative:
Each semester, advisors of XXXX University advised me into taking classes which Id later find out was not part of the curriculum and according to them wasnt required, which resulted in the quick exhaustion of my federal funding. This led to them coercing me to get a private loan with the same company aka XXXX now Mohela. I had made many attempts with the school advisors and XXXX to have some form of rectification since classes and books were paid for. There was no resolve and I felt forced by them to sign up for private loan. It seems tactical now. Ive attempted a resolve with Mohela when my federal loans were discharged alleging misconduct. The process is more tedious than it should be and nor easy considering what happened under the federal ruling. Ive been misled and hurt by this. It impacts my credit score worthiness as affordability is challenging, interest rate advantages, and is creating even further financial and mental stress. Id like to file a class action lawsuit for being misled and manipulated by an already guilty system, and have this burden removed from my credit as it doesnt seem justifiable that there is XXXX accountability to how the need for a private loan came about! Thanks in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I been a victim of identity theft since XXXX I send a police report to the company & all 3 credit bureaus was removed. I see now that it was put back on all 3 credit reports I will like this fraud reports to be removed permanently & immediately. NAVY FEDERAL CREDIT UNION Last updated by the bureau : XX/XX/XXXX Balance Available credit Minimum payment Purchase APR Date opened {$7700.00} {$1000.00} {$0.00} 0.00 % * XX/XX/XXXX Card Usage XXXX XXXX Last reported XX/XX/XXXX Account Details Account type Other Loan Account status Open Balance {$4200.00} Monthly payment {$0.00} Interest rate * 0.00 % Date opened XX/XX/XXXX ( 4 mos ) XXXX Last reported XX/XX/XXXX Account Details Account type Other Loan Account status Open Balance {$3000.00} Monthly payment {$0.00} Interest rate * 0.00 % Date opened XX/XX/XXXX ( 4 mos ) XXXX Last reported XX/XX/XXXX Account Details Account type Other Loan Account status Closed Balance $ XXXX Monthly payment {$0.00} Interest rate * 0.00 % Date opened XX/XX/XXXX ( 5 yrs, 1 mo ) XXXX Last reported XX/XX/XXXX Account Details Account type Other Loan Account status Closed Balance $ XXXX Monthly payment {$0.00} Interest rate * 0.00 % Date opened XX/XX/XXXX ( 5 yrs, 5 mos ) XXXX XXXX Last reported XX/XX/XXXX Account Details Account type Other Loan Account status Open Balance $ XXXX Monthly payment {$0.00} Interest rate * 0.00 % Date opened XX/XX/XXXX ( 2 yrs, 3 mos ) XXXX Last reported XX/XX/XXXX Account Details Account type Other Loan Account status Closed Balance {$2200.00} Monthly payment {$0.00} Interest rate * 0.00 % Date opened XX/XX/XXXX ( 2 yrs, 5 mos )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Filed bankruptcy due to hardship and being threatened to lose home. Now trying to pay off my loan and they refuse to talk with me because of my bankruptcy case. My lawyer send them permission in XXXX XXXX. They refused. My lawyer fixed another letter XX/XX/. They still refused to speak with me. I need advice.

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 2026-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX I received a notice from Fair Collections & Outsourcing stating that I owed a balance of {$19000.00} to Invitation Homes for the property address XXXX XXXX XXXX XXXX, XXXX, GA. I, XXXX XXXX XXXX, and my mother XXXX XXXX moved from the property and were released from any further obligation to the property on XX/XX/XXXXXXXX ( see attached roommate release ). Shortly before I completed my roommate release I spoke with XXXX XXXX ( email : XXXX ) on XX/XX/XXXX who provided me with an updated ledger which showed all rent was paid through XX/XX/XXXXXXXX including smart home system, sewer, gas, and water cost and there was a credit of {$240.00} that would be applied to XX/XX/XXXX rent ( see attached ledger ). As of XX/XX/XXXX, myself XXXX XXXX XXXX and my mother XXXX are not legally responsible for any rent payments XX/XX/XXXX to present, fines, etc for XXXX 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 2026-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I was falsely advertised about a loan in which I have to pay the full loan off to receive the loan. XXXX monthly since XX/XX/year>XXXX I then notice that they have been taking out the loan payment biweekly since I signed up for the XXXX for membership biweekly as well. The account associated is with email 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