vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I paid my student loans off in full on XX/XX/XXXX. On XX/XX/XXXX, MOHELA withdrew an additional {$1100.00} from my account with their automated system. I have been requesting repayment since XX/XX/XXXX. I called and requested repayment in XXXX, and I was advised repayment would take up to 90 business days. I was not repaid, and I called again on XX/XX/XXXX requesting repayment. On XX/XX/XXXX, MOHELA stated they repaid me in XX/XX/XXXX, but no deposit was made into my account at all, so I requested repayment again while I had them on the phone. They said they would repay me, and it would take up to another 90 business days to process. On XX/XX/XXXX, I called MOHELA again requesting repayment because I have not received anything, and MOHELA submitted an expedited request to the Treasury. MOHELA advised me on XX/XX/XXXX to call back in 7-14 business days for an update from the Treasury. I called MOHELA on XX/XX/XXXX for the update from the Treasury, and I was told that the customer service agents do not have access to view these updates, so they transferred me to a supervisor. When they transferred me to a supervisor, I received an automated message that I would receive a call back before the end of the next business day, and then the phone hung up. I did not receive a callback. I called MOHELA again on XX/XX/XXXX, and I received the same information that the customer service agent can not view the details, and they transferred me to a supervisor. Before the call hung up, I received the same automated message that a supervisor would call me back before the end of the next business day, and the supervisor never called back. I called MOHELA again on XX/XX/XXXX, went through the same thing and have not received a callback. I am in the process of calling MOHELA again today on XX/XX/XXXX, but it takes anywhere from 3-5+ hours to get someone on the phone each time I call, so I am not sure how this call will go. I just want my money back that they overdrew. Please help me. 

Also, I am trying to attach supporting documents, but the site will not load the attachments after I select them. Please let me know if you need to see any supporting documents that the student loans have been paid in full, MOHELA withdrew an additional {$1100.00}, and/or no repayment deposit was made in XX/XX/XXXX when they said I was repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-04-01 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: MI

Complaint narrative:
Subject : Immediate Action Required Legal Violations Due to Data Breach To Whom It May Concern, I am writing to formally demand an immediate response regarding the data breach that has compromised my personal information due to your organizations negligence in securing sensitive data. Your failure to implement adequate security measures has resulted in a clear violation of multiple XXXX federal statutes governing data protection, privacy, and cybersecurity. 

This breach has not only exposed sensitive information but has also placed me at significant risk of financial fraud, identity theft, and other damages. Your actionsor lack thereofconstitute a blatant disregard for legal and ethical responsibilities as outlined under federal law, including but not limited to : The Federal Trade Commission Act ( 15 U.S.C. 45 ) Unfair or deceptive trade practices, including failure to adequately protect consumer data.

The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Failure to properly safeguard consumer financial information.

The Health Insurance Portability and Accountability Act ( HIPAA, 42 U.S.C. 1320d-5 ) If the breach involves protected health information.

The Computer Fraud and Abuse Act ( 18 U.S.C. 1030 ) Unauthorized access to computer systems leading to data compromise.

The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use or disclosure of personal identifying information.

The Data Breach Notification Laws ( Various U.S. State Laws and 15 U.S.C. 6801 et seq. ) Failure to notify affected individuals in a timely and proper manner.

Given the gravity of this situation, I demand that you provide me with : A full and detailed disclosure of the nature of the breach, including when and how it occurred.

A list of all personal data compromised and any third parties that may have gained unauthorized access.

The immediate implementation of enhanced security protocols to prevent future breaches.

Compensation for any financial or reputational damages incurred due to your failure to protect my personal information.

A written commitment ensuring compliance with all applicable data protection laws.

If I do not receive a satisfactory response within [ reasonable time frame, e.g., 10 business days ], I will pursue all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), state attorneys general, and seeking legal action under the aforementioned XXXX codes. 

I strongly urge you to take this matter seriously and rectify the situation immediately. Failure to comply will result in swift and aggressive legal action to the fullest extent of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name XXXX XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data.

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile.

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>23 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recieved my tax refund via the i.r.s in the mail. And did a mobile deposit. Now capital one bank is holding my funds for over a week because they say the money might not go through this is ridiculous!! Its a government check and I need my money!! Capital one is a scam!! Switching as soon as I get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below you will find each inaccurate/erroneous creditor name, account number, date opened, and balance. Please remove the following items from my credit report, immediately : XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} {$470.00} {$470.00} Transunion Experian Equifax XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$45.00} {$45.00} {$45.00} Transunion Experian Equifax XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4300.00} Equifax XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Equifax XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5300.00} {$5300.00} {$5300.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} Transunion Experian Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below you will find each inaccurate/erroneous creditor name, account number, date opened, and balance. Please remove the following items from my credit report, immediately : XXXX. ) XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} {$470.00} {$470.00} Transunion Experian Equifax XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$45.00} {$45.00} {$45.00} Transunion Experian Equifax XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4300.00} Equifax XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$0.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Equifax XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5300.00} {$5300.00} {$5300.00} Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} Transunion Experian Equifax

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Subject : Urgent Complaint Regarding Unfair Credit Charges and Negative Impact on Credit Score Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a credit account issue that has severely impacted my credit score and financial well-being. Despite paying my credit on time and in full, I have not received the item I purchased. Nevertheless, I continued making payments to avoid any negative effect on my credit.

I have contacted the credit agency multiple times, informing them of the situation, and was told I was being charged an extraordinary 179 % interest rate. This information was never disclosed to me when I first received the credit, and I was completely unaware of such a high rate until I inquired about my account. After disputing the charges, I was informed that the issue was resolved, but despite that, the charges were re-applied to my account.

As a result, my credit score dropped by XXXX points, a decrease I have never experienced before, and I am devastated by this outcome. On top of that, I was warned that if I do not make another payment soon, I will lose an additional XXXX points due to going past the 60-day mark. In response, I made a payment of {$190.00} today to avoid further damage to my credit, even though I strongly believe this situation is unjust and unfair. 

The credit agency in question has a remarkably high volume of complaints, which makes me believe that this problem is part of a larger issue. I am extremely frustrated, and I am requesting the Consumer Financial Protection Bureau to investigate the matter and take corrective action. This kind of treatment can not continue, and I expect accountability and resolution. 

On my credit it says I only used 8 % of my loan and only owe {$190.00} which I paid!!!!

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 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: WY

Complaint narrative:
OneMain Financial misled us by stating we were " APPROVED '' for a loannot " pre-approved, '' but fully approved. As part of this approval, the loan was supposed to pay off our 2013 XXXX XXXX and provide approximately {$3600.00} in cash to consolidate other debt, lowering our monthly payments. However, after submitting all the required documentsincluding pictures of our vehicle, a copy of our registration, and a picture of the VINOneMain suddenly revoked the approval. 

Conveniently, after we complied with their requests, the " YOU'RE APPROVED '' message disappeared from their website without explanation. We had every reason to believe we were approved based on their clear communication. We even informed our auto loan lender that we were refinancing and that the loan would be paid off. Now, we are left scrambling to correct the situation because OneMain changed its mind without warning.

When we asked for an explanation, OneMain simply stated that a letter would be sent within 30 days and that they have the right to change their decision at any timeeven after issuing a clear-cut approval. This is deceptive and unethical. Customers rely on financial institutions to honor their commitments, and OneMains practices have caused unnecessary financial stress.

We made financial decisions based on their assurance that we were approved, and had we been given a fair chance, we would have been great customers. Instead, OneMain Financial wasted our time, misled us, and caused unnecessary hardship. This kind of deceptive practice should not be allowed to continue, as it directly impacts customers who are trying to make responsible financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint against Genesis/Columbia Debt Recovery for their failure to respond to my written dispute and for their hostile and unprofessional behavior during my attempts to resolve the matter. 

On XX/XX/year>2025, I sent a written dispute to Genesis/Columbia Debt Recovery , providing proof that I did not owe the amount claimed. I received notification that my dispute was received and would be processed in the order it was received. However, after waiting a reasonable amount of time without receiving a response, I called their office. The representative I spoke to stated that they would escalate the matter, yet I still received no response. Instead, I continued to receive email attempts to collect on the alleged debt. 

On XX/XX/scrub> 2025, I sent a follow-up letter requesting a response to my dispute. After still not receiving any reply, I called again on XX/XX/scrub> 2025. This time, I spoke with a representative named XXXX XXXX, who was extremely hostile and refused to allow me to speak. He attempted to manipulate my words and insisted on reviewing numbers over the phone. I explained that all relevant details were provided in writing and simply asked if my dispute had been reviewed and whether a decision had been made. 

Instead of answering my direct question, XXXX XXXX refused to acknowledge my dispute and continued referring to the original statement from the apartment complex. When I informed him that I needed to pull up the document in order to discuss it, he disregarded my request. I reiterated that my call was only to confirm the receipt and status of my dispute. XXXX XXXX aggressively stated that they do not have to send anything in writing and continued to talk over me and yell. I asked whether he agreed or disagreed with my dispute documentation. He became fixated on explaining the definition of " agreement '', yelling " this isn't about an agreement, you either owe it or you don't! '' I said well you would have to agree that I owe it or I don't? I was not using the word literally I just wanted to know if a decision had been reached so I could proceed accordingly, he continued to dismiss my concerns and continued yelling at me trying to force me to discuss the amounts owed without giving me time to pull up the document he was referencing. I asked if he could send me the document as I was having trouble locating it in my email and he refused. This is all recorded! 

Genesis/Columbia Debt Recovery has failed to fulfill its obligation to properly investigate my dispute and provide a written response. Instead, they have engaged in aggressive and unprofessional collection tactics that violate fair debt collection practices.

Company response to consumer: Closed with non-monetary relief