vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I am currenlty awaiting forgiveness for my PSLF loans. I have gotten NO information or update for over 90 days and am told to put in " complaints '', which keep getting closed without response. Here are the main details : - I am now passed my 120 " payments '', which my 120th hit on XX/XX/year>. 
- My employment certification is valid and was processed as of XX/XX/year>. 
- The months of XXXX and XX/XX/year>, which is when everything changed from Mohela to Fed Aid, were supposed to be counted towards PSLF ( I have this in writing via email from Mohela ). This would have been my XXXX and XXXX payment. 
- The month of XX/XX/year> our accounts were put in forebearance due to the SAVE plan being blocked. 
- On XX/XX/year> my PSLF Buy Back request for the one month, of XX/XX/year>, was " accepted '' and has been " under review '' since then with no update and countless calls and chats. 

Everytime I call, I am told to wait longer, that there are delays, or that counts are still being updated. I was initally told it would take 30 business days, then told 60, and the other day just told it would take 90 days. No matter how long at this point, I've surpassed all those time frames and my case is still " pending '' and " under review ''. I'm currently at 117 payments, 2 payments are just missing from my account altogether, and there is only 1 payment I am waiting to get approval for on the Buy Back due to the SAVE plan being haulted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Dear CFPB, I am writing to provide an update and clarification regarding my previous complaint involving XXXX XXXX  and Marcus by Goldman Sachs, referenced under complaint ID # XXXX 

Upon further investigation, I now understand that XXXX XXXX  was not at fault for the payment issues in XXXX. Instead, the issue originated with Marcus by Goldman Sachs. Here is a detailed account of what occurred : In XXXX, XXXX XXXX attempted to withdraw funds for my loan payment but informed me that the transaction could not be completed due to insufficient funds. I verified with Marcus that I had sufficient funds in my account at the time. Despite this assurance, the payment failed. 

In XXXX, a similar issue occurred. XXXX XXXX  again notified me that they were unable to process the payment due to insufficient funds. I immediately contacted Marcus to verify my account balance. The representative assured me that I had sufficient funds and did not see any pending transaction from XXXX XXXX. When I explained the prior incident in XXXX, I requested to speak with someone higher up who might have access to additional account details. 

Upon speaking with a supervisor, it was confirmed that XXXX XXXX notification was correct. The funds in my account were not yet available due to Marcuss internal policy regarding deposit processing times ( 4-5 days ), which differentiates between account balance and available balance. 

I am deeply frustrated by the conflicting information I received from Marcus representatives prior to speaking with the supervisor. Multiple employees assured me that I had sufficient funds, which misled me and caused significant consequences : My credit score was negatively impacted. 
My job as an active-duty service member, along with my security clearance, was put at risk. 
I faced potential setbacks in the process of purchasing a home. 

The supervisor ultimately confirmed the issue, but the initial responses from Marcus representatives showed a lack of clarity and understanding of their own policies. Furthermore, the dismissive attitude of the representative, who suggested I should have known their deposit policy, was inappropriate and unhelpful given the severity of the situation. 

This experience has caused undue stress and financial repercussions, and I request that Marcus by Goldman Sachs be held accountable for providing unclear and inconsistent information. Additionally, I ask that this matter be investigated further to ensure that others are not similarly misled or impacted by these practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
I checked my credit report this morning and was alarmed to find an unauthorized inquiry. I tried refreshing my browser, but it didnt disappear. Im very upset and need you to immediately verify the documents I provided to ensure this issue is permanently resolved.

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 2025-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern at the CFPB, I am submitting this formal complaint against Toyota Motor Credit Corporation for willful violations of federal laws, including tampering with my contract without consent, reporting inaccurate information, and engaging in deceptive practices. These actions have caused significant harm and hardship. 

Toyota Motor Credit Corporation has knowingly provided false and misleading information regarding my vehicle contract, including creating two conflicting contracts for the same vehicle. Additionally, they tampered with the original contract without my consent, which is a violation of the United States Code, the Uniform Commercial Code ( UCC ), and other applicable consumer protection laws. These violations are subject to criminal penalties, including fines and imprisonment. 

Despite multiple attempts to resolve these issues directly with Toyota Motor Credit Corporation, they have failed to engage in any meaningful dialogue or corrective action. Their lack of response demonstrates disregard for my rights as a consumer and has necessitated legal action, including a default judgment filed in federal court. 

I request the CFPB to investigate Toyota Motor Credit Corporation for these violations and take appropriate enforcement action to ensure compliance with consumer protection laws. Furthermore, I ask for assistance in addressing the financial and emotional damages I have suffered as a result of their actions. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX : XXXX Email : XXXX Dated : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
- I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report.These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXXXXXX  U.S. Bankruptcy Court Reference # 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

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 2025-01-11 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I was out of the state due to my work schedule and recently discovered a lawsuit against me regarding a long-ago credit card debt that i believed I had already settled. Unfortunately, because I was away, I wasn't able to check my mailbox regularly, It's only now that I've found a letter dated XX/XX/XXXXXXXX  from Portfolio Recovery Associates, attempting to collect on this debt, which I don't even remember having it dated back to XXXX. I was surprised to learn that this collector has proceeded to sue me without me ever having received their initial correspondence. I feel that I was being sued unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: CT

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. 
XXXX XXXX XXXX # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-01-11 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: CA

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account with XXXX XXXX XXXX that is being improperly reported on my credit file. I am a victim of identity theft, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies ( CRAs ) to block and delete fraudulent accounts within four business days once proper documentation is provided. I have already submitted all required documents to the CRAs, including : 1. Proof of my identity, 2. A formal notice of dispute, and 3. An FTC Identity Theft Report. Despite meeting these requirements, the CRAs have failed to block and delete the fraudulent XXXX XXXX XXXX account from my credit report within the legally required timeframe. This failure is a clear violation of FCRA Section 605B ( c ). Additionally, I have disputed this account in the past, but the CRAs claimed it was verified as accurate by XXXX XXXX XXXX. When I requested documentation proving how the account was verified, the CRAs failed to provide any evidence or records from the creditor to support their claim. This violates FCRA Section 611 ( a ) ( 6 ), which requires CRAs to provide consumers with details about the verification process. Without proper verification or supporting documentation from XXXX XXXX XXXX, this account can not legally remain on my credit report. Under California law, particularly Civil Code Section 1785.25 ( a ) of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), creditors are also prohibited from reporting inaccurate information to CRAs. If XXXX XXXX XXXX has failed to properly investigate or verify this account before reporting it as accurate, they may also be in violation of state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK

Complaint narrative:
I purchased equipment and services to be paid for over time through the company XXXX. I began payments on XX/XX/XXXX to pay {$2400.00} over 60 months. These payments were managed through Citizens Pay. I have record of every monthly transaction for {$41.00}. On XX/XX/XXXX the remaining balance of {$41.00} was paid in full. In XXXX I called XXXX to cancel my services and was advised that there were two accounts associated with my social security number, however I only have a signed agreement for one account. I have been unable to get clarification on that. 

After my account was paid in full on XX/XX/XXXX, a second account appeared on the Citizens Pay website with a start date of XX/XX/XXXX. This debt also hit my credit report under the name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: CO

Complaint narrative:
Address listed on Experian is not mine. The fraudulent address is XXXX XXXX XXXX XXXX. I have never lived there. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX co XXXX. Experian told me to file this complaint. They would not do anything.

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
According to XXXX XXXXXXXX XXXX XXXX, as of XX/XX/year>, I owed {$38000.00} + interest of {$24000.00}. According to him, there's a {$100.00} credit/paid from me.Total amount owed is {$63000.00} on credit card. 

My Complaint are as follows ; 1. I live in XXXX, the statue of limitations is up to 5 years to sue or collect the debt The date start after missing payments. From XXXXup today 's date, there's no record 2. Enclosed, the copy from the law firm " Notice of Appearance For Post-Judgement Collection '' filed at the court mailed to me on XXXX XXXX 3. Enclosed, a copy of Bill Statement from XXXX. XXXX XXXX and 4. Enclosed, a copy from XXXX XXXX XXXX XXXX XXXX  a " Voluntary Writ of Dismissal of Garnishment '' Note : I don't know how to download docs. Will mail it if necessary. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items 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

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 2025-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, FL XXXX XXXX XXXX AmeriSave Mortgage Corporation Customer Care Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX RE ; Loan Number ending in XXXX Dear Sir, Thank you for granting me a temporary forbearance hardship because the hurricane Milton damages I experienced. I am writing to request a 6 month repayment plan beginning on XX/XX/year>XXXX  as the forbearance will end by the end of this month XXXX. 

Additionally, there has been a horrible mistake to my mortgage account. Some has assigned my dads name to my mortgage. I am a single woman and I purchased this home in my name only. XXXX XXXX XXXX XXXX is the ONLY name for the home at XXXXXXXX XXXX XXXX XXXX XXXX FL. XXXX. I have all necessary paperwork to prove my ownership. Please correct this misinformation ASAP. 

You notified me via telephone conversation today when I called in around XXXX that you plan to transfer my mortgage. I have not received any paperwork regarding this to date. 


LOSS MITIGATION AND EXPLORING ALTERNATIVES TO FORECLOSURE During the course of home ownership, increased expenses or changes in your family income may make it difficult to pay your bills including your monthly mortgage payments. You should always keep your mortgage payments current if possible. But if you can not continue to make your monthly mortgage payments for reasons beyond your control, please contact us to discuss various alternatives to foreclosure depending on your specific circumstances. 

If your payment difficulties are temporary, you may qualify for one of the following options : Reinstatement this is the payment of the total amount due in a lump sum by a specific date.

Forbearance plan this allows you to reduce or suspend payments for a short time and then bring your loan current. A forbearance plan may be combined with a reinstatement when you know that you will have enough funds to bring your loan current at a later date, such as a tax refund insurance settlement, or investment reaching maturity. 
Repayment plan this is an agreement to resume making your regular monthly payments plus a portion of the past due amount each month until you bring your loan current. 

Thank you for your assistance. 


XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation