vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Formal Complaint Improper Withholding of {$220.00} Refund To Whom It May Concern, I am writing to formally request resolution of a {$220.00} refund that remains outstanding despite my repeated requests over the past 17 months. 

On XX/XX/XXXX, MOHELA issued me a letter stating that my XX/XX/XXXX billing statement was sent late and that, because of this defect, I was entitled to request a refund of my XX/XX/XXXX auto-debit payment. 

On or around XX/XX/XXXX, I called MOHELA and submitted my refund request within the XXXX timeframe outlined in your letter. 

At that time, two additional things were occurring : ( 1 ) my Public Service Loan Forgiveness ( PSLF ) application was under review, and ( 2 ) MOHELA was migrating borrower accounts to a new system. 

Since then, I have been repeatedly told that my refund could not be processed because my old account was closed and had to be rebuilt. I was advised to wait six months, then another six months. 

As of today more than 17 months later the refund still has not been issued. 

Most concerning, in my recent conversations with MOHELA representatives on XX/XX/XXXX, the specialist I spoke with told me that their manager instructed them to warn me that, if my refund was processed, my loans could be reinstated, made delinquent, and my loan forgiveness could be reversed. 

This statement is inaccurate and deeply troubling. My refund is for an improper XX/XX/XXXX payment ( prior to discharge ) and has no connection to my PSLF forgiveness, which was granted and finalized in XXXX. 

Therefore, I request the following : Immediate issuance of the {$220.00} refund owed to me for the XX/XX/XXXX billing error, plus interest, plus {$6.00} for the postage I paid to send them a letter - formal complaint. 
Written confirmation that processing this refund will not and can not affect my PSLF discharge or reinstate a loan balance. 
A written explanation of why MOHELA staff advised me that exercising my right to a refund could cause my forgiven loans to be reinstated or made delinquent. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I had a past due payment updated with Comenity Capital Bank and my Saks XXXX. This past due payment was marked by XXXX in XX/XX/year>, but this was during a time that they switched their payment processing ( we had auto-draft payments on ). Because of this, they did not pull our auto-payment by mistake, and they agreed to remove the late reporting as a courtesy. They mentioned it would be 45 days, but I am in the process of refinancing a home. I was told this is the only late payment showing on my credit and it is having a significant impact on my score. I was hoping to have this issue expedited because it will have significant tangible costs if I am not able to have this updated as soon as possible. Can we push it up and have it reported without the past due payment sooner? I don't want to be impacted by this for the next 30 years! Thank you for your help! Please make sure all 3 major bureaus are updated with no past due history on my report as promised ( XXXX, XXXX, and XXXX  ). Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This correspondence serves as a * * formal dispute * * of the information being reported to my credit file concerning * * Ally Financial, Account ending in XXXX XXXX XXXX  This letter is submitted in accordance with my rights under * * 15 U.S. Code 1666b * *, the * * Fair Credit Reporting Act ( FCRA ) * *, and the * * Fair Debt Collection Practices Act ( FDCPA ) * *.

Under * * 15 U.S. Code 1666b * *, creditors are * * required by law to promptly and accurately credit all payments to a consumers account as of the date they are received * * and to maintain truthful and complete accounting records. Any failure to properly credit payments or update balances results in * * false reporting, inaccurate account status, and a violation of federal law * *.

The reporting of this Ally Financial account appears to contain * * inaccurate or unverifiable information * *, and therefore, I am demanding * * immediate validation * * and documentation proving the legitimacy and accuracy of this account. Please provide the following : 1. A * * legible copy of the original signed contract or agreement * * establishing the alleged debt and the terms thereof ; 2. A * * complete payment history or account ledger * *, showing all debits, credits, payments, and fees properly applied in accordance with * * 15 U.S.C. 1666b * * ; 3. * * Proof of ownership or assignment * *, verifying Ally Financials legal authority to collect and report this account ; 4. * * Verification of all data furnished * * to XXXX XXXX and XXXX under * * 15 U.S.C. 1681s-2 ( b ) * * of the FCRA ; 5. A * * statement of compliance * *, confirming that all payments were credited correctly and that no violations of 1666b, the FCRA, or the FDCPA have occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting an account for approximately {$910.00} that contains : Inconsistent payment history Conflicting dates Incorrect balances Data that does not match my personal credit history This suggests identity confusion or mixed file. 
XXXX XXXX did not : Validate my identity before opening the account Provide documentation after I requested it Correct the errors or reinvestigate properly This violates : FCRA 602, 607, 611, 623 FACTA identity theft rules ECOA Regulation B ( identity verification )

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 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
Heights Finance includes an XXXX arbitration clause in their loan contract, but they have not honored it. I initiated arbitration as required, and Heights Finance failed to pay the required XXXX  business fees. Despite their refusal to follow the arbitration clause in the contract, they continued to pursue court action and wage garnishment against me. 

I recently went back to court asking the judge to honor the arbitration agreement and quash the garnishment. At the hearing, XXXX XXXX representative stated that I have not made any payments since the garnishment began. This was completely false. I have had XXXX  months of bi-weekly garnishment payments taken out of my paycheck, and the court records show this. Their representative also told the court that they attempted to contact me using an outdated address and phone number that were never on my loan application. 

Their false claims have harmed me financially and personally. I am being denied housing due to the ongoing garnishment. Leasing offices are telling me I can not qualify because the garnishment makes it appear I can not pay rent. I am currently without stable housing because Heights Finance continues this garnishment while refusing arbitration. This situation is also affecting my credit and my ability to obtain safe housing for myself and my family. 

When I contacted Heights Finance about resolving this issue, their representative told me he would cease all communication and that there is nothing more to say. I have been left with no way to resolve the account peacefully even though the contract states disputes must go to arbitration. 

I am making this complaint public so other consumers can be aware of these practices. Heights Finance is misleading borrowers by putting XXXX arbitration in their contract by refusing to participate when a customer invokes it, and instead using the court system and garnishments in a way that harms consumers. 

I am requesting CFPB intervention to stop the garnishment, enforce the arbitration clause, and address the inaccurate statements Heights Finances representative made in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I made a transfer from my Citi checking account to another Citibank client. The transfer was cancelled, and since then my account has been blocked, allegedly because my phone number is not registered in the verification system. 
I have contacted XXXX nine times and spoken to five different departments, all confirming that there is absolutely no issue with my phone number on their end. 

I went to nine different Citibank branches with five pieces of identification, yet no one was able to assist me. Five branch managers contacted the fraud department on my behalf.

I personally called Citibank 26 times. Over the past five weeks, I was told seven times that a letter containing a reference number had been mailed to my addressbut I never received anything. On XX/XX/year>, I spoke with nine Citibank representatives, including three supervisors. One of them confirmed that the letter had never been sent. I recorded the call for my attorney. 

As a result, I was unable to pay my rent for XXXX and XXXX. Even after explaining the situation to the building where I reside, I received an eviction notice on XX/XX/XXXX, giving me five days to pay my rent.

This situation is completely unacceptable and unreasonable. There is absolutely no valid justification for Citibanks inability to verify my identity in nine branches using my passport, my green card, my drivers license, and my Social Security Number.

I hold Citibank responsible for my eviction, as well as for any and all expenses and legal actions that may be taken against me if Citibank does not unblock my bank account within five days.

If, within the next five days, Citibank refuses to cooperate and provide clear instructions beyond the letters that were never sent, I will instruct my attorney to initiate legal proceedings to obtain justice and compensation. I will also seek to initiate a nationwide class action on behalf of all Citibank customers who have experienced similar harm. 

I hereby formally place Citibank in default and demand that you take immediate action to unblock my account so that I may pay the two months of overdue rent.

I consider Citibank to have acted in bad faith in this matter by repeatedly failing to send the so-called reference letter and by not cooperating in any way to find an alternative solution to unblock my bank account.

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 2025-11-16 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: NV

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion reports XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXX XXXX opened XXXX with the following account number XXXX {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}, Experian reports - XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXX XXXX opened XXXX with the following account number XXXX {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}, Equifax reports XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXXXXXX XXXX opened XXXX with the following account number XXXX for {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}

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 2025-11-16 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: NV

Complaint narrative:
The following reporting accounts are fraudulent please remove now. Transunion reports XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXX XXXX opened XXXX with the following account number XXXX {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}, Experian reports - XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXX XXXX opened XXXX with the following account number XXXX {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}, Equifax reports XXXX  XXXX opened XXXX with the following account number XXXX {$6300.00}, XXXXXXXX XXXX opened XXXX with the following account number XXXX for {$2400.00}, XXXX XXXX opened XXXX with the following account number XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery {$550.00} this Debt has pass statute of limitation long time ago You're getting harassed And still in my account is it stopping me from getting a new car l This is the dispute respond number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: SOLERA LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX is attempting to pressure me into paying a disputed business account by making false statements about my personal credit score and personal legal obligations. I never signed any personal guarantee the contract was signed only by my LLC ( XXXX XXXX Co XXXX ). 
Despite this, their representatives threatened that nonpayment would create a bad record on your personal credit score and that you and the company still have legal obligations. 
These statements are false, misleading, and appear to violate FCRA, the Texas XXXX XXXX XXXX, and XXXX. 
The account is disputed due to complete non-performance ( XXXX loads, XXXX support, ignored communications ). 
I requested clarification and documentation, but XXXX did not provide the information and continued using intimidation. 
I am asking CFPB to intervene, stop these threats, and confirm that no personal credit reporting can be made on this business matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 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: CITIBANK, N.A.
State: OR

Complaint narrative:
Complaint Against : Citibank Issue Type : Credit card dispute handling / billing dispute Product : Credit card What happened? 

On XX/XX/year>, I was the victim of a deceptive and likely fraudulent locksmith service. I disputed the resulting {$450.00} charge with Citibank, but Citi mishandled the dispute by assigning the wrong dispute category, failing to collect or review any evidence, and ultimately denying the claim for reasons that do not align with the Fair Credit Billing Act. 

The locksmith, operating as FM XXXX, falsely claimed to be licensed, bonded, and insured. I later confirmed with the Oregon Construction Contractors Board ( OCCB ) that no such license exists, and I have filed an official complaint with the OCCB.

The technician used coercive, escalating, and arbitrary pricing while I was locked out at night with my two young children. He charged {$450.00} for 7 minutes of work, caused damage to my doorframe, refused to provide an invoice, and subsequently attempted to obtain my sensitive information through a suspicious third-party website unrelated to the business when offering a partial refund. When I contacted Citi on XX/XX/XXXX, I was specifically advised not to use that link because it appeared to be attempting to capture payment information and to have no further contact with the merchant. 

Despite clear indications of fraud and deceptive merchant behavior, Citi categorized the dispute as goods/services not as expected, which is factually incorrect. Because of this error, Citis investigation did not consider the substantial evidence I prepared, including photos, licensing verification, price comparisons, screenshots, call logs, documentation from state authorities, and the fraudulent refund link.

Citi representatives told me that I would receive instructions or an email address to provide evidence directly to the Disputes Department, but no such contact was ever sent, leaving me unable to submit documentation. As a result, the dispute was denied entirely based on merchant claims, with no evaluation of my evidence.

This is a violation of Citis obligation under the FCBA and Regulation Z to conduct a reasonable investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am writing because my Credit was pulled illegally, which resulted in inquiries on my credit report. I did not give my permission to any of these companies to pull my credit. These inquiries are damaging and is negatively impacting my credit score. See below\n\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \n\nAs a furnisher of this information, I am respectfully requesting you to delete these inquires. Please send me verfication that the above-mentioned inquiry has been deleted as well as valadation of all documents used in reference to this inquiry. If I do not hear you, I will be seeking action for the following:\n\nFCRA S 1681q- Obtaining information under false pretenses\n\nFCRA S 1681n- Civil liability for willful noncompliance \n\nFCRA S 1681s-2, Responsibilities of furninushers of information'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
The 3 Major Credit Bureaus has been reporting inaccurate, incomplete, or unverifiable information, including " Charge Off '' accounts on my credit profile from, XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, in violation of FCRA section 1681s-2 ( b ) ', i filled a written dispute letter by certified mailed XX/XX/year> to all XXXX bureaus requesting verification or deletion of those accounts. In accordance with FCRA section1681s-2 ( b ), i am requesting a XXXX copy from each account " XXXX XXXX '' if any verified. I want full securitization details such as the dates of closing. The name of the trust and assignment contract. I am requesting full validation including itemized statements and contracts. CEASE AND DESIST LETTER This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( b ), regarding inaccurate information related to my consumer report that is being furnished to one or more consumer reporting agencies. I have disputed this information with the Credit Bureaus, and you have been notified of this dispute.

Under section 1681s-2 ( b ), upon receiving notice of a dispute from a consumer reporting agency, they are legally required to conduct a reasonable investigation regarding the disputed information, review all relevant evidence, and correct or delete any inaccurate, incomplete, or unverifiable information.

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