vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: SC

Complaint narrative:
Here 's a sample response you can use to explain to the Consumer Financial Protection Bureau ( CFPB ) why you're submitting a complaint due to identity theft : -- - * * Why Im Submitting This Complaint : * * I am filing this complaint because I am a victim of identity theft. I discovered that someone has used my personal information without my permission to open accounts and/or make unauthorized transactions. These fraudulent activities have negatively affected my credit, caused financial XXXX, and led to confusion and delays when dealing with the institutions involved. 

Despite my efforts to resolve the issue with the company or companies directly, I have not received a satisfactory resolution. I am seeking assistance from the CFPB to help investigate and resolve this matter, protect my rights, and prevent further damage to my financial wellbeing.

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
Mohela owes me over {$2200.00} overpayment refund check. Everything has been approved by Mohela since XXXX of XXXX and they are refusing to issue the check. The customer service XXXX has sent several emails to the accounting department for escalation and no one has heard back. I have filed several complaints, and the only response from Mohela is " We are working on it. '' They can not give me an answer on why it is taking so long besides " They are actively working on the request. '' I previously submitted a complaint through CFPB and once again, Mohela responded " we are working on the request. '' They stole my money and are refusing to give it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I traded in my vehicle to XXXX as part of a new purchase financed through XXXXXXXX XXXX. The remaining balance on my auto loan with First Interstate Bank was approximately {$2600.00}, and this amount was included in the trade-in/payoff agreement between myself and XXXX. 

This date also coincided with the monthly due date of my First Interstate auto loan. Since the vehicle was being traded in and the balance was being paid off as part of the transaction, I did not make a separate payment on that date. I had already contacted First Interstate in early XXXX to request a payoff letter and informed them of my intent to trade in the vehicle. I also followed up after the trade-in to notify them that the vehicle was now in XXXX possession XXXX 

Despite these communications, First Interstate reported a XXXX late payment to the credit bureaus. This reporting dropped my credit score by XXXX points, causing financial and reputational harm. I reached out to the bank to explain the situation and offered to share a copy of the XXXX contract showing that the loan was being paid off through the trade-in. 

I was told by a collections representative that First Interstate couldnt care less, and that it was my problem since the vehicle was still in my nameeven though the standard processing time for loan payoffs through a dealer is typically XXXX days, and it had only been XXXX days at the time of my call. 

The representative was extremely rude, dismissive, and unprofessional, showing no interest in investigating or resolving the issue. This experience has been deeply frustrating, especially given that I had a positive history with the bank prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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:
I am contacting you about the compromising of my social security number. I believe I am a victim of identity theft due to the XXXX  Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. The accounts were previously removed but is now reinserted back on to my Experian credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within five business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft.

1. 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX 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 XXXX 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 XXXX 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 XXXX 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There a lvnv funding llc account ending XXXX that show on XXXX and is not my account and would like to dispute it since I believe it related to the XXXX data breach and does not show up on any other credit monitoring account and would Ike it removed since it does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Ally Bank regarding the {$100.00} referral bonus that was promised as part of their referral promotion. 

I enrolled in Allys referral program by the stated deadline of XX/XX/XXXX. I then proceeded to open a new Ally Bank Spending Account on XX/XX/XXXX, which was within the timeframe specified by the programs terms. I funded my account within the required 30 days and ensured that a qualifying direct deposit was made to the account within 60 days, in accordance with the promotions eligibility criteria. 

Despite meeting all the stipulated requirements, I have not received the {$100.00} referral bonus. According to the programs terms, the bonus should have been deposited into my account within 30 days after fulfilling all the requirements, but that timeframe has since passed without any action from Ally Bank. 

I have attempted to resolve this issue directly with Ally Banks customer support, but have not received a satisfactory explanation or resolution. 

I respectfully request the CFPB 's assistance in investigating this matter and ensuring that Ally Bank honors the terms of its referral program. 

Thank you for your time and assistance.

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 2025-04-22 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: SC

Complaint narrative:
XXXX XXXX, XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 XXXX 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On Thursday, XX/XX/year>, I signed in to my account to pay my credit card bills, and I realized someone used my account and wiped away my entire savings account for my kids. I called PenFed, and I disputed the transaction. I was requesting a new account number, but this bank looks like it has closed down all my accounts and closed my credit cards. I would like to still bank with PenFed and keep my savings account open. Someone went and transferred money to an unknown account. they spoofed called me.

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 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MOHELA
State: GA

Complaint narrative:
Im currently paying towards my student loans monthly and my credit and balance is being stalled throughout all current credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-04-22 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: TX

Complaint narrative:
XXXX XXXX, AND IDENTITY THEFT, AND XXXX XXXX, SO A LOT OF THESE THINGS IM NOT ABLE TO DO ANYWAY. I SIGNED UP WITH AN AI COMPANY TO HELP ME REPAIR MY CREDIT, CALLED DISPUTE XXXX, AND I HAVE BEEN HAVING PROBLEMS Ever SINCE, BECAUSE THEY HAVE ACCESS TO ALL MY INFORMATION. I HAD MY DAUGHTER TO CANCEL, AND IVE HAD PROBLEMS NON STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
To whom it may concern, I am writing to formally express my deep concerns and submit a complaint regarding my federal student loans and parent plus loans associated with my degree in XXXXXXXX XXXX XXXX XXXX, which I earned in the year XXXX. My college career started in XXXX and was ended abruptly in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While I pursued this program with passion and the expectation of stable career opportunities, unforeseen and long-lasting circumstances have significantly impaired my ability to enter and thrive in this field. 

As you are well aware, the XXXX XXXX XXXX XXXX was one of the hardest-hit sectors during the COVID-19 pandemiXXXX, beginning in early XXXX same year I XXXX  The global shutdown of travel, hotel operations, events, and restaurants lasted well beyond initial projections, extending over four years in many areas. During this critical time, job opportunities became virtually non-existent, and many businesses in the industry permanently closed their doors. 

In addition to the lengthy disruption, the entire landscape of the XXXX XXXX XXXX XXXX has changed dramatically. The education I received is now outdated, with many of the skills and practices I was taught no longer relevant or applicable in the post-pandemic world. Employers now demand different qualifications and competencies that were not part of my original curriculum. Furthermore, the competition in the job market has intensified, with displaced experienced professionals re-entering the workforce and securing roles that would have otherwise been available to recent graduates like myself. 

I believe it is both unreasonable and unjust to expect repayment for a degree that has notand likely will notprovide the return on investment it was intended to deliver due to circumstances completely beyond my control. Like many others in my graduating class and industry, I am left with significant debt and little to no opportunity to use the education I paid for. 

Therefore, I am respectfully requesting a review of my student loan status and consideration for full or partial loan forgiveness under existing or new hardship, economic disruption, or borrower defense provisions. I am more than willing to provide documentation, including my graduation records, employment history, and proof of industry decline, to support this request. 

This situation has placed a considerable financial and emotional burden on me, and I hope you will consider the broader context and long-term impact this disruption has had on my ability to succeed in the industry I trained for. 

Thank you for your time and attention to this matter. I look forward to your response and am hopeful for a compassionate and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was charged XXXX XXXX  at a gas station and my bank refuses to help me. A credit was issued but later reversed. No one can help me with this.

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 2025-04-22 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:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am submitting this complaint regarding the improper and unlawful reporting of several charge-offs and a repossession on my credit reports, which I recently reviewed. Despite my prior requests for removal, only XXXX account was deleted, while XXXX charge-offs and XXXX repossession remain. These include 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 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 XXXXXX/XX/XXXX, is also being reported. According to IRS Publication 4681, charge-offs and repossessions are considered a certificate of indebtedness and thus classified as income. Income can not be reported on a credit report and must be removed. Furthermore, I never received a 1099 form for any of the cancelled debts, which is required for proper tax filing. TransUnion, Experian, and Equifax are failing to maintain reasonable procedures as mandated by law and must be held accountable for these violations.

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