vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the incorrect interest charges applied to my student loan account. My account is currently in a 0 % administrative forbearance due to ongoing litigation related to the SAVE Plan. Despite this, I have noticed that interest is being charged to my account, which is in direct violation of the terms of administrative forbearance. The interest charges applied to my account are both erroneous and unjust. Furthermore, I have found it extremely difficult to resolve this issue due to the lack of accessible communication channels. MOHELA does not provide an email address for direct contact, forcing borrowers to rely on phone communication. The average wait time to speak with a representative is upwards of five hours, which is unreasonable and unacceptable. I request immediate rectification of the incorrect interest charges on my account and a review of your communication policies to ensure that borrowers can efficiently address their concerns. Please confirm receipt of this complaint and provide a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency Equifax, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
nelnet hit my account with 90 day late notice without notification. This decreased my credit score while I was in the process of purchasing a home

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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I was served with papers stating I owed a credit, but I never opened the account or made any type of purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Ive been on an IDR plan since XXXX, made 123+ qualifying payments, and was on track for loan forgiveness in XX/XX/XXXX. After submitting my IDR recertification and adding a new dependent ( XXXX XXXXXX/XX/XXXX ), I was told by Aidvantage that due to a stop work order from the Department of Education, my IDR application could not be processed. 

As a result, I was defaulted into a XXXX Repayment Plan, which caused my payment to increase from ~ {$350.00} to $ XXXX. This plan does not qualify for forgiveness, and I am now at risk of losing progress toward cancellation, despite doing everything correctly. 

I am requesting the following : Retroactive SAVE Plan enrollment based on my application submission date Refund or suspension of excess payments taken during this delay Confirmation that my 123 qualifying payments remain on record Enforcement action if Aidvantages handling violates borrower protection guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
this account was charged off and sold from XXXX  XXXX XXXX XXXX credit card to Jefferson CAPITOL . it was opened on XX/XX/XXXX and closed on XX/XX/XXXX in the amount of $ XXXX will be sending out a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX or XXXX I had filed a dispute with capital one in a bank regarding XXXX XXXX transactions that would not personally authorized by me. Fast-forward a little over a month later, my claim was denied stating that because of my frequent XXXX transaction history prior to those XXXX unauthorized XXXX payments XXXX The unauthorized payments weren't done by Me. They have since they closed all my accounts and banned me from even applying for another account. What baffles me the most is they didnt give me the opportunity to rebuttal any of their findings for what I have factual and objective based evidence with data. Allegedly. And even disturbed me even more because this bank was the only institution that fits my financial needs and nobody wants to help me. The only letter they provided me with is that they denied my claim, but documentation for claims # XXXX, XXXX and XXXX. Capital One NA said in there that they " never received '' my document, WHICH IS A LIE. Capital One failed to protect my account, and to complete conduct a thorough and fair investigation regarding my cell claim, therefore they are equally as negligent. However, the lies you are stating, doesn't matter because as of now, I am checking and savings account member with XXXX XXXX  and since Capital One purchased XXXX XXXX, I will have my accounts essentially reinstated right back with Capital One due to the merger and at that point, and you will have NO, XXXX, ABSOLUTELY NO RIGHT to close my accounts. I will contueine to file a complaint I will file a complaint against capital one EVERY SINGLE week for their negligence and lack of duty AT protecting customer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your failure to provide me with the method of verification regarding my previous request under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025 I submitted a request for the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires Equifax to disclose the procedure used to verify the accuracy of the disputed item on my credit report. XXXX XXXX account number : XXXX To date, you have failed to provide this legally required information, which is a direct violation of the FCRA. Under the law, you are obligated to provide a description of the process used to determine the accuracy and completeness of the disputed information. Your failure to comply suggests that the item may not have been properly investigated or verified, which could indicate an improper reinsertion of inaccurate data. I demand that you : 1. Immediately provide me with the method of verification used in the dispute process, including the name and contact information of the party that allegedly verified the disputed information. 2. Delete the unverified account from my credit report if proper verification can not be provided. 3. Provide a written response confirming your compliance with my request. Failure to respond adequately within the time allowed by law may result in further action and I will pursue legal remedies. I expect your prompt attention to this matter and look forward to your response within 15 days of receiving this letter. Please send your response to the address listed above. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute your failure to provide me with the method of verification regarding my previous request under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025 I submitted a request for the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires Equifax to disclose the procedure used to verify the accuracy of the disputed item on my credit report. XXXX XXXX account number : XXXX To date, you have failed to provide this legally required information, which is a direct violation of the FCRA. Under the law, you are obligated to provide a description of the process used to determine the accuracy and completeness of the disputed information. Your failure to comply suggests that the item may not have been properly investigated or verified, which could indicate an improper reinsertion of inaccurate data. I demand that you : 1. Immediately provide me with the method of verification used in the dispute process, including the name and contact information of the party that allegedly verified the disputed information. 2. Delete the unverified account from my credit report if proper verification can not be provided. 3. Provide a written response confirming your compliance with my request. Failure to respond adequately within the time allowed by law may result in further action and I will pursue legal remedies. I expect your prompt attention to this matter and look forward to your response within 15 days of receiving this letter. Please send your response to the address listed above. Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been dealing with the XXXX  with XXXX XXXX XXXX XXXX, dba XXXX XXXX. XXXX signed XX/XX/year>, roof installed when I was on vacation and didnt know. XX/XX/year>. Ive had XXXX companies come in with before and after pictures stating the vent was pulled out during roofing which they deny, I have before and after pics. The water heater has been tagged by XXXX companies not to use. I continue to have new and worsening leaks as of XX/XX/year> I have XXXX new water spots in my ceiling and XXXX new cracks XXXX with water damage. They wont follow up with a warranty, they have violated the XXXX. They have threatened leans, they put me in collections and as of XX/XX/year> they have threatened me with the law. They have also said they would take me out of collections as an act of good faith due to my complaints with XXXX. They still have me as in collections on my credit report with Experian.

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 2025-04-10 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: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: EdFinancial Services
State: WA

Complaint narrative:
1. I did not know that an active investigation would still count against me until I received the notice that my credit score dropped over XXXX points in a day. The second I realized this I paid the amount owed, in full, and disputed the drop. 
2. I filed a FERPA complaint when my information was shared without my consent. I called my state representatives respective offices in which they told me not to do anything just yet, that the offices were looking into it to see what my rights were and I have not heard back.

3. For a good portion of this loan, it was floating around in the ether not managed by anyone. It had switched lenders twice while still under the mandatory federal loan freeze implemented by the XXXX administration due to the effects of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the regulations governing the collection, sharing, and use of consumer credit information are not upheld. Under the FCRA, consumer reporting agencies ( CRAs ) are required to take reasonable steps to ensure the accuracy of information in credit reports. If a consumer experiences financial harm due to an FCRA violation, they have the right to pursue legal action against the CRA for actual damages, statutory damages, and attorneys fees. The accounts mentioned in my letter contain inaccuracies, and I am requesting a comprehensive investigation to address and correct these issues.

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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
Greetings, XX/XX/XXXX ( Friday ) I sold all my stocks in my roth401k account, I then attempted to transfer money from roth 401k to my checking account with the same company. They then restricted my account telling me I can not withdraw, deposit, or transfer funds. They requested I send them a copy of my Driver 's license, take a selfie photo and send copies of my bank statement linked to the account, I did everything gave them all documents they requested. They then told me I should receive a response XX/XX/XXXX ( Tuesday ) never received a response everyday from Tuesday as well as today the response change to the next day I called yesterday ( XX/XX/XXXX ) at about XXXX spoke to a representative which couldn't help me solve the problem, they tried transferring me to the department but they did not answer. I called again today XX/XX/XXXX at XXXX spoke to a representative, again they transferred me but still was not any help. The representative I spoke with said he did not see a restriction I asked him how doesn't he see it when it's my checking account that's restricted I can not pull money out I have direct deposits that go to this account and it's still restricted with no communication from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birth:XXXX My correct Social Security number:XXXX  My correct address is:XXXX XXXX XXXX  DriveNorcrossGeorgiaXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: VA

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation