vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central Research Inc
State: NY

Complaint narrative:
In XX/XX/year> my loans were transferred from XXXX to CRI and my direct deposit was cancelled. As a result of the transfer, i was not able to make any payments due to an admnistrative forbearance being placed on the account and my account continued to accure interest. This forbearance and inability to make payment persisted from XX/XX/year> ot XX/XX/year> and yet my account continued to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela has been servicing my student loan and managing my repayments for public student loan forgiveness. They have done a poor job keeping me apprized of changes or developments surrounding what is going on with my loans. The people who answer their phones typically give varied and sometimes contradictory information. You can typically get someone on the phone for basic information but if you would like to speak to someone with more information or possibly authority to do something to your account, you could be on hold for several hours. I am currently on a 2 hour 41 minute hold. I have an application submitted for a particular payment plan and was just told there is no known processing time for my application. The people answering the phones can't tell you if my paperwork will be processed tomorrow or 6 months from now, they have no idea and can provide little to no information about my situation. Kind of crazy considering they are servicing a loan of mine in excess of XXXX. No private company on earth could get away with such inefficiency. Previously, we were told Mohela had 90 business days ( approximately 6 months ) to process paperwork. The problem is, with extremely long wait times, you may not know there is something wrong with or your application or that it was denied after months and months of waiting. I could go on, but I bet you can not find one person that would give Mohela a shinning review except whoever gets paid dividends on their board for securing this government contract. There is no way this company would not be immediately fired if they faced competition to service my loans. I would take my business elsewhere immediately and am extremely disappointed that someone chose to allow Mohela to service my loans. They did such a poor job, I'm pretty sure that is why they had to give back managing PSLF loans to studentaid.gov

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — Store credit 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: Colony Brands, Inc.
State: IN

Complaint narrative:
Mail order included full payment of credit card of my choice. The company ignored and established a credit account in my name. Under credit freeze making disclosures by data breach. Very problematic in reaching agent of company to resolve AND REMOVE. Immediately- Within 30 days sent money order full amount and demand to remove. Full rejection of account. Still sent a statement that is REFUSED by me and a flyer your account is open. Full STOP I did not open an account with XXXX XXXX. I do not agree to any terms. This is fraudulent process, disclosure by data breech, this is full rejection of account, I did not open an account with XXXX XXXX therefore has no right under Federal Law to share, disclose, or any information in accordance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: NY

Complaint narrative:
I have been using sezzle for a while. I ALWAYS have my payments scheduled for XXXX when I got paid. Apparently they " changed '' the time they process payments and started processing at midnight central time. So a payment that was supposed to be charged on Friday XX/XX/XXXX all of a sudden turned into Tuesday the XXXX. Which is ridiculous. The money was there and ready when I expected the money to be taken out. If they are gon na change their processing times they need to alert customers. So now I have an extra payment I wasn't expecting to come out today so now my account is negative XXXX and that isn't much for a major company. But that {$40.00} is a make or break for someone living paycheck to paycheck. I have no problem paying my depts when I'm told up front when I will be charged something. AND I've been using sezzle for a year or more and ANYTIME I schedule a payment for Thursday it ALWAYS comes out Thursday. If they are going to act preditory to get extra late fees that's XXXX. Also you used to be able to contact support through their app. You could live chat someone. Now if you go on their app there's only a way to " submit a ticket '' with pre determined questions. There's no where for you to type " hey sezzle why are you acting preditory? '' Or even just ask a question about billing. Only their questions that had nothing to do with my problem. Not a good look for these pay day loan companies. I truly hope they get their act together, because I'm sure the next step is congress either outlawing them or severely regulating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute multiple billing and reporting errors that are negatively impacting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally required to apply payments correctly and report account information with complete accuracy.

However, I have identified significant violations, including : Payments I submitted were not properly recorded Clear calculation errors in the reported account balances Failure to provide the federally mandated 21-day advance notice before payment due dates Due to these errors, any late payment notations are invalid and must be removed. These reporting failures are not only misleading but also unlawful, and they are causing undue harm to my credit profile.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AES/PHEAA
State: AZ

Complaint narrative:
XXXX XXXX XXXX is the current creditor of a disputed private student loan account. I requested debt validation under FDCPA 1692g ( b ), but no documentation was provided no signed agreement, promissory note, or proof of assignment. While the dispute was unresolved, the account was referred to XXXX XXXX for collection on XX/XX/year>. 

Despite this, the account continues to be furnished to credit bureaus by the servicer ( AES ), with no evidence that a proper investigation was conducted. No response or resolution was provided by XXXX XXXX or its agents, violating FCRA 1681s-2 ( b ). 

I have already submitted complaints to the FTC, the Pennsylvania Attorney General, and CFPB ( regarding AES ). This complaint is directed specifically at XXXX XXXX XXXX as the creditor. I request deletion of the tradeline unless full documentation is produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX INQUIRIES XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had no prior knowledge of these inquiries, which may be illegitimate. I request a prompt investigation. Documentation is provided.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit report that I have not benefit from. I also notice student loans on my credit which I need removed because I am not obligated to paying them back until after XXXX XXXXXXXX XXXX. I need them removed immediately, because I am trying to buy a home within 6 months to a year.

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 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
FAY SERVICING MARKED THE PRIOR COMPLAINT AS A DUPLICATE. IT WAS NOT A DUPLICATE, AND THEY HAVE NOT ADDRESSED MY COMPLAINT. PLEASE ADDRESS THIS ISSUE SPECIFICALLY.

I am the borrower on a mortgage loan currently serviced by Fay Servicing. I am preparing to transfer title to the property into a revocable living trust for estate planning purposes. I am the grantor, trustee, and sole beneficiary of the trust. The property remains in the same use and occupancy as before the transfer. Under federal law specifically the Garn-St. Germain Depository Institutions Act of 1982 ( 12 U.S.C. 1701j-3 ( d ) ( 8 ) ) a lender or servicer may not enforce a due-on-sale clause when a borrower transfers property to a revocable trust in which they remain a beneficiary and the occupancy/use of the property remains unchanged. Despite this, Fay Servicing has threatened to accelerate my loan, and refuses to acknowledge the legality of the transfer. This appears to be an unlawful attempt to intimidate or penalize borrowers for engaging in a federally protected transfer. Fays actions are causing unnecessary hardship and appear to be in direct violation of federal law. I am seeking intervention by the Consumer Financial Protection Bureau to ensure compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 2025-07-15 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent toExperian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

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 2025-07-15 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: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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 have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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 2025-07-15 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief