vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
It is impossible to get anyone on the phone at Mohela the wait time is XXXX hours at minimum and I am not able to take a day off to call them only to be disconnected or provided with no info or inaccurate info. I have connected with them on at least two occasion to request a refund for the overpayments that were made on my account. My loans have been discharged through the XXXX program effective XX/XX/XXXX and this was confirmed with me via mohel and FSA as of XX/XX/XXXX. Forgiveness took over a year from time of submission of the correct form and now I have a current negative balance due to over payments and have request this to be refunded. Mohela claims they are unable to see the negative balance, which is visible to me on my account though they have confirmed forgiveness has been applied. I would like a timeline for this money being refunded. Additionally, I made multiple request that request that mohela update my credit report to reflect the forgiveness which they did not do. I had to file a dispute on my credit report and still have to go through two additional reporting agencies to have this updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In late XX/XX/XXXX XXXX declined my application for their credit card & I received my credit reports and created accounts with the credit agencies : XXXX, XXXX XXXX XXXX. There were several accounts opened in my name. I followed all of the procedures- disputed fraudulent information, place fraud alerts, froze all accounts, filed a police report, opened account with ID-Theft.gov In this case, Chase, I have written to them three times requesting that they : Reverse the fraudulent charges & close the fraudulent account, provide documentation showing the fraudulent activity has been cleared, ensure the negative information reported to the credit agencies is removed and provide a copy of the documentation used to open this account. 

The accounts that I fraudulent accounts were opened and used between XXXX and XXXX. Chase charged-off this account and there was - and is - a lien placed on my property. 

As you will read, Chase, gave very odd reasons for coming to the conclusion that " the account is valid '' & " you have accepted responsibility for this account '' & this is the most confusing " we mailed the credit card statements to this address and they were not returned '' I never received any statement from Chase ( except when they mailed a large stack of statements showing where the money was being spent. ) As far as addresses go, I have been at my address and have never used another address for over ten years. I've included a page showing many addresses in my name and in trying to dispute them the credit agencies are unable to delete them because supposedly that is how I am doing business with the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft, and Experians ongoing failure to remove a fraudulent account from my credit reportdespite multiple disputes, a police report, and clear evidenceis completely unacceptable and unlawful. XXXX and XXXX have deleted this accountso why is Experian willfully refusing to comply? This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure the maximum possible accuracy of consumer reports. Their failure to properly investigate and delete this fraudulent account demonstrates gross negligence under FCRA 15 U.S.C. 1681o. Furthermore, Experian is violating my rights under FCRA 15 U.S.C. 1681b by continuing to report this account without permissible purpose, as I never authorized it. This reckless disregard for federal law has severely harmed my financial standing, causing undue stress, damage to my credit score, and potential denials of credit opportunities. Experian is willfully ignoring my rights and perpetuating fraudulent activity by refusing to remove this identity theft-related account. This is not just negligenceit is intentional misconduct. I demand IMMEDIATE deletion of this fraudulent account. If Experian continues to violate my rights, I will escalate this matter legally, including filing complaints with state and federal authorities and seeking all available legal remedies, including damages for Experians willful noncompliance under FCRA 15 U.S.C. 1681n. I will not allow Experians reckless actions to further damage my financial future!

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a copy of my FTC Identity Theft Affidavit to all XXXX major bureaus, TransUnion, XXXX, and XXXX, and an IRS Identity Theft Affidavit dated XX/XX/XXXX. I also submitted an amended FTC Identity Theft Affidavit to TransUnion and XXXX XXXX dated XX/XX/XXXX and again on XX/XX/XXXX. I have had to submit these affidavits continuously because the accounts listed on my credit reports continue to be added back erroneously and unlawfully. XXXXXXXX XXXX removed the erroneous report of an eviction on XX/XX/XXXX and sent me the corrected report. There is now another eviction previously removed by TransUnion from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX re-reporting by them per TransUnion Rental Screening. This address was in my initial ID Theft Affidavit from XXXX. I have asked them to remove this item immediately as it should have been deleted, blocked, and removed years ago. There is also a report from TransUnion and XXXX from XXXX XXXX for {$1100.00} and {$440.00}, XXXX XXXX XXXX {$4900.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$1100.00}, XXXX {$210.00} and XXXX {$3400.00}. This is damaging my credit rating and keeping me from obtaining my place of residence and other credit. TransUnion asked me to re-submit the same documents they already have on file, which they acknowledge receipt of and are saying it could take up to XXXX days. This is a blatant disregard of the FCRA law 605b and I need these items removed immediately and permanently.

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 2025-03-14 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: Nelnet, Inc.
State: FL

Complaint narrative:
My rights have been violated. Specifically FERPA. It is a law that protects my educational data. It protects a my financial information, grades, disciplinary actions and other important information. According to the US government XXXX and DOGE accessed the DOE Financial information, DOGE has infringed upon my FERPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: VA

Complaint narrative:
XX/XX/year> I file complaint with the FTC and submitted my claims with all three credit bureaus. There were a breach with all XXXX companies. 
XXXX XXXX # 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

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The Department of Government Efficiency has wrongfully/illegally, with out my knowledge, authorization, or consent looked at, accessed, handled, reviewed, or in any capacity of the term seen my personal, financial and personally identifiable information data. This is a breach of contract on the part of the federal government and is reason enough to terminate the contract and absolve me, the victim of this breach of contract, of all responsibilities originally agreed to when the initial agreement was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In an attempt to address the closure of my XXXX XXXX  The XXXX XXXX XXXX location and its subsequent impact on my student loans, I engaged in various communication channels with my loan servicer. Despite initial correspondence from the loan servicer regarding assistance with loan repayment or forgiveness, I encountered repeated setbacks. Each time I perceived progress, I was informed that the individual assisting me had departed from the company, necessitating a complete restart of the process. 
It is pertinent to note that my XXXX XXXX  closure was prompted by its fabrication of truthful information to its students. This misleading conduct led to the institutions forced closure. Consequently, all of my classmates loans have been either canceled, forgiven, or repaid. Regrettably, I remain the sole individual burdened by this situation. 
When I disclose that this process has been arduous for me to navigate and overcome, I express my gratitude for my college experience. However, I encounter significant criticism and potential client and work loss when I bring it up in the fashion industry. Despite ongoing assurances that my classmates loans are being forgiven, I find it challenging to verify this information regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc.
State: IA

Complaint narrative:
I had opened a credit building account with Self lead financial to build my credit and yes I was late I do understand that there is a fee for that however from when I opened the account I paid the XXXX and then it was all gone in Interest fees that's hard to believe and then I was late so I paid XXXX and that's all gone and now today they took XXXX from my account and I have XXXX left what the heck is going on with the world today everyone is robbing people to benefit themselves I don't get it I am probably the last person here with morals and respect for people till now I have completely lost all respect for humanity this needs fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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 2025-03-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-14 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: SameDay Auto Finance, LLC
State: LA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a repossession on my credit file related to the auto loan account with XXXX XXXX, listed under account number XXXX on my credit report. This dispute is being filed in accordance with the Fair Credit Billing Act ( XXXX ), XXXX XXXX Code XXXX, which mandates creditors to investigate and correct billing errors in a timely manner. 

Dispute Details : XXXX. Inaccurate Balance Reporting : The balance on my XXXX report is listed as {$0.00}, while XXXX and XXXX both report a balance of {$10000.00}. 
If the account has been transferred or settled, it should reflect a {$0.00} balance across all bureaus. 
XXXX. Incorrect Payment Status : The account is marked as Repossession/Involuntary Repossession. However, the comments section also states that the merchandise was returned by the credit grantor, which indicates a voluntary surrender, not an involuntary repossession. 
XXXX. Failure to Provide Proper Notice ( XXXX XXXX XXXX XXXX ) : I was not properly notified of the final balance and any deficiency before the repossession was reported. 
If the lender failed to follow proper repossession procedures, the reporting of a deficiency balance may violate my rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: CO

Complaint narrative:
I had used Klarna to purchase a XXXX gift from XXXX and then returned it when I got a better deal elsewhere. According to them XXXX issued a gift card rather than a refund to Klarna. I did not receive any gift card, however. XXXX said they will handle it internally and will send the refund to Klarna, Since the Cashier was no longer employed a week after the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, my spouse and I went to a clinic in XXXX. 

We needed to pay for the service. However, the first transaction was declined. The merchant showed us their terminal, which displayed " transaction declined. '' We retried the SAME card. On the second transaction, the terminal prompted for a signature, and the payment was successful. Once my spouse 's XXXX was completed, we paid for my XXXX. That transaction was also successful. 

At the end of the day, there were XXXX transactions pending : XXXX declined and XXXX successful. Typically, a declined transaction should clear eventually. But in this case, I noticed ALL THREE transactions were posted, and we were overcharged. 

I filed a dispute as soon as the declined transaction posted. However, the bank resolved the dispute in the merchant 's favor twice. 

After multiple interactions, the bank 's investigation team still doesn't understand the issue and neglects to investigate it properly. 

I'm reaching out to see if I could get support from the CFPB. 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 monetary relief
Consumer complaint received 2025-03-14 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: MN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I was admitted to the hospital and remained there until XX/XX/XXXX. Shortly after my release, I was readmitted in XX/XX/XXXX and was not discharged until XX/XX/XXXX. During my hospitalization, my birth certificate, Social Security card, drivers license, and phone were stolen, which contained all my personal and financial information. 

After being released, I reviewed my Chime credit card statements and discovered unauthorized transactions totaling {$13000.00} made between XX/XX/XXXX, and XX/XX/XXXX. I did not authorize or conduct any of these transactions, as I was hospitalized for the entire duration. 

Upon realizing this, I immediately contacted Chime and disputed all the fraudulent charges. To support my dispute, I provided : My hospital records proving I was hospitalized during the time of the transactions. 
A police report documenting my stolen personal information and identity theft. 
Despite submitting this evidence, Chime denied my dispute and refused to reimburse me for the fraudulent charges. 

I am seeking a full reversal of these unauthorized transactions and a proper investigation into the fraudulent activity on my account. This situation has caused me extreme financial hardship, and I expect Chime to uphold their consumer fraud protection policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
My loan contract has been broken since DOGE is illegally viewing my private, personal information without clearance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
These accounts are not mines ask for XXXX ask for the original account number ask for original name of creditor of account ask for itemized statement of full payment history ask for amount of original debt ask for the date account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
These accounts are not mines ask for XXXX ask for the original account number ask for original name of creditor of account ask for itemized statement of full payment history ask for amount of original debt ask for the date account was open.

Company response to consumer: Closed with explanation