vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/year> I received an alert from the credit bureau that ONE MAIN FINANCIAL located at XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX had requested a copy of my personal consumer/credit report. 

I contacted the company ( XXXX ) requesting an explanation be provided as to why ONE MAIN FINANCIAL had ran an inquiry for my credit file without me ever applying for a loan with their company. They stated an incomplete application was submitted with my name, XXXX, ssi, and address but my identity was never verified even though they had already ran/processed all of my personal information through their system to the credit bureau XXXX 

I advised them that the incomplete application was fraudulent and that I never authorized/ or gave consent for ONE MAIN FINANCIAL to process/inquiry about my credit report. No signed contract and agreement was provided to the company so this should have never happened. 

ONE MAIN FINANCIAL needs to practice better business ethics and employees may need proper training regarding the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AR

Complaint narrative:
MOHELA Forced Forbearance and Inaccessibility Resulting in Credit Harm and Threat of Wage Garnishment To Whom It May Concern, I am writing to file a formal complaint against MOHELA and the U.S. Department of Education regarding the mismanagement of my federal student loans. 

In 2020, I was actively making student loan payments and was in good standing. Without my request or consent, my loans were placed into administrative forbearance due to the federal student loan payment pause. Since then, I have made multiple unsuccessful attempts to resume payments and gain access to my account through MOHELA. 

Despite my willingness to pay, I have been completely unable to make payments due to MOHELAs inaccessibility and lack of customer support. My loans were effectively frozen without any choice in the matter, and I am now being told that I am at risk of wage garnishment. This is not only unjustit is devastating. 

I am currently in the process of purchasing a home for my wife and XXXX children. Due to the negative reporting and administrative mismanagement of my account, my credit score has dropped, directly threatening my ability to secure safe housing for my family. I am being penalized for a situation created entirely by the governments loan servicer.

I find it disgusting that after being forcibly placed into forbearance, my wages may now be garnishedjeopardizing my familys financial security and future. We are not just numbers on a spreadsheet. We are real people with real responsibilities, trying to build stability in our lives.

I am requesting immediate investigation into : The unauthorized forbearance placed on my account The inability to resume payments due to MOHELAs service failures The impact of this mismanagement on my credit and financial stability The reversal of any actions related to wage garnishment This situation is beyond frustratingit is unjust and inhumane. I urge the CFPB to step in and hold MOHELA and the Department of Education accountable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: DC

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 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 2025-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I have asked for Debt validation Citing usc 1692 G 1. I would like a detailed list of the history of Payments made by me on this account. 
2. I would like to see the signature that I put on a contract guarantee that I would pay this creditor.

3. I am asking to see if there has been any insurance claim found on this debt.

4. I want proof that you have the chain of title to collect on this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
They canceled my service their self and saying I cancelled it which is falsifying information. Their cancellation policy that they sent themselves says based on a XXXX period but yet they cancelled me XX/XX/XXXX half the month proving theyre lying about not giving my money back. They showed proof showing Ive been a customer since XX/XX/year> why would I all of the sudden lie just to get XXXX dollars they refuse to help me no matter the evidence provided. Also at the end page XXXX says although I contacted them that XXXX not eligible as soon as they cancelled on me I contacted them how is that late if I contacted immediately also I contacted them XXXX days exactly after payment to which the woman I talked to said I would get a refund for that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX I deposited {$1000.00} in cash and the Capital One ATM. While making this deposit a rep from inside the bank came out to greet me. The ATM took my cash and it stopped working. I called over the same employee who had greeted me to tell him what happened and he stated the ATM was just serviced and we can call in a claim and I would get the funds credited to my account immediately however when we called the claims dept the rep asked for proof of the deposit. I adv rep that the ATM stopped working and the rep @ the bank witnessed me making the deposit. I also stated that their camera captured me making this deposit. They stated that their back end team was closed and the hours they are open are from XXXX from XXXX and they would submit the request and I would be all set. They adv that I should contact their backend team once they open on XXXX which I did. However the number I was provided was not the number to the back end team XXXX and it was just the number to the claims dept. The rep I spoke with on XXXX stated that there was no way for me to speak with the backend team and I would have to wait XXXX business days to possibly receive a temporary credit. I then went back to the branch where the deposit was made and the same employee called the claims dept with me again and explained how the other rep stated that I would receive a credit to my account to the funds. However the claims dept stated that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Nelnet, XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
XXXX XXXX XXXX Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MN

Complaint narrative:
I submitted the one time payment count adjustment for my account, and did a consolidation loan for all loans possible, which was just about everything on my account. I have all the loans consolidated from XXXX. This was sent over to Mohela by my 180 day deadline from the consolidation date. Then by XX/XX/XXXX my loans were then forgiven under PSLF. Studentaid.gov has every single loan XXXX out - even today they say all my loans are forgiven. Mohela forgave everything I consolidated. However, my XX/XX/XXXXXXXX  Mohela threw two loans back on my acct that were forgiven. I call, on hold forever with no resolution. Customer service tells me they see there's an error and will escalate, but I get no resolution. In XXXX, loan XXXX XXXX said I owed over {$8000.00} on it. In XXXX it managed to jump to over {$18000.00}!! which is a number i NEVER had disbursed! So Mohela is just making numbers up now?! I called again, was on hold for an hour, talked to a rep and she had no idea why the number was so off and had to transfer me. She does, and its a 2 hour wait. An hour into the hold, I am disconnected. I have sent online messages which don't get replied to. Both of these loans XXXX XXXX XXXX XXXX were included in the consolidation and forgiveness, according to XXXX  AND STUDENTAID. STUDENTAID has the ultimate say, NOT Mohela. These need to be removed. They were included in the payment count adjustment, the consolidation and the forgiveness. If there is some clerical error on some end - its not mine, its not StudentAids. StudenAid has it XXXX  and forgiven. 

Today, XXXX - I have so far been on hold to discuss my account for over two hours when it said hold time was 45 minutes.... It just told me my wait time is now another hour and 45 minutes and get a call back... this is a joke

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint due to repeated and inappropriate contact from a debt collection agency. Despite having already received written mail from the company regarding the alleged debt, the collector contacted my mother on XXXX XXXX XXXX, at XXXXXXXX XXXX, to speak about the debt. This caused me significant embarrassment and emotional distress. 

The company already had direct contact with me and did not need to involve any third parties. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), which prohibits disclosing debt-related information to third parties without consent. 

I sent a cease-and-desist letter demanding that all contact stop and requesting that the debt be forgiven due to the emotional harm and public embarrassment caused by this violation. I am requesting that the CFPB intervene to ensure my rights are respected and that this harassment ends immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TriVerity, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I received a bill from debt collector Triverity , Inc. stating that I owed an amount of XXXX to XXXX XXXX XXXX XXXX and their company was attempting to collect this debt. Triverity , Inc applied interest charges in the amount of {$47.00}, thus informing me that I owe a total amount of {$10000.00}. 

I would like to report Triverity , Inc. for fraudulent billing activities and conspiring with XXXX XXXX XXXX XXXX to provide the city of XXXX XXXX XXXX with XXXX XXXXXXXX in the amount of {$4900.00}. The total amount of {$10000.00} includes old Parking Ticket Charges I accrued from the City of XXXX, Pa XXXX XXXX. 

Please investigate Triverity , Inc for collusion with XXXX XXXX XXXX XXXX breach of my automobile contract by colluding with the XXXX XXXX XXXX to illegally and unlawfully sell my automobile without my permission and without providing me due process under the law. I would like to request removal of all negative information from my credit report regarding Triverity , Inc. and XXXX XXXX XXXX XXXX. 

Respectfully, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 recently I reviewed a copy of my credit report and noticed I had fraudulent account on my report.please removed these account from my credit report and files, they are hurting mi ability to obtain creditXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief