vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX ss # XXXX Subject : Dispute of Form 1099-C Cancellation of Debt Income Dear XXXX XXXX  I am writing to formally dispute and request IRS Form 1099-C Cancellation of Debt issued under my name for the tax year XXXX for the alleged debt with account number XXXX. 

Disputed Debt Details : Form 1099-C Amount : {$10000.00} Creditor/Furnisher : XXXX XXXX  Account Number : XXXX Reason for Dispute : 1. Debt Not Valid/ Debt Still Collectible You may have incorrectly issued a 1099-C. According to IRS regulations, merely filing a 1099-C does not in itself mean the debt has been canceled, unless there is clear intent to cancel the debt ( see IRS Publication 4681 and 26 CFR 1.6050P-1 ).

2. No Intent to Forgive Debt Under 26 CFR 1.6050P-1 ( b ) ( 2 ) ( iv ), the issuance of a 1099-C does not necessarily indicate actual debt cancellation. If you are still attempting to collect or sell the debt, it has not been forgiven. 


3. Statutory Error If the debt was discharged in bankruptcy or falls under an exception under 26 U.S. Code 108, such as : Insolvency exception Qualified principal residence debt Bankruptcy discharge ... then it should not be reported as taxable income. I request immediate correction if this applies.

4. Violation of FCRA and FDCPA If this 1099-C has been inaccurately reported to credit bureaus or used as collection leverage, this may be a violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( regarding false representation ) Action Requested : Provide documentation verifying the debt cancellation and your authority to issue the 1099-C.

Provide written clarification of the nature and intent behind the filing.

If you can not validate this information, please file a corrected Form 1099-C with the IRS ( Form 1099-C, Box 1 with corrected code ) and send me a copy.

Cease and desist from any debt collection activity if the debt was in fact forgiven.Also remove said debt From my credit report attempting to collect a debt after it has been written off as loss is fraud If I do not receive a response within 30 days, I reserve the right to file complaints with the IRS XXXX XXXX, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Made an over payment to my card, more than limit on card. As soon as pressed button, knew it was a mistake, contacted Bank Of America to correct, was told nothing they could do, still pending. next day, contacted to have reversed. Was told, OK, no problem. Following day, no sign of correction, contacted BOA,, was told will take 10 business days to fix. Asked why, was told company policy. Asked if they could expedite, as it was an over payment, card not maxed, came from an internal BOA account, and going to a BOA account, cash was settled, not a check, and again, was an overpayment that needed to be reversed. Given all kinds of excuses. The gist of it was to XXXX XXXX XXXX policy says up to 10 business days, it's going to take the full 10 business days. The request to fix was put in on a Thursday, so the weekend doesn't count and there's a holiday coming up, so won't get my money for half a month. Again, account is in good standing, no merchant credits to deal with, just a reversal of a payment, putting money back into an internal account, no wires, no crazy stuff like that, Bank of America just wants to hold on to my money in that account. And again, no interest being paid to me while they hold my money hostage for half a month.Card limit {$8500.00}, payment made in error of {$20000.00}. It's a big deal to me, as I really need that money to pay other bills, like rent and food.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally express my deep dissatisfaction with the level of service provided by MOHELA as a federal student loan servicer. My recent experience reflects a concerning pattern of negligence, inefficiency, and lack of accountability that I believe warrants immediate attention.

The customer service wait times are consistently unreasonable, often requiring hours on hold just to speak with a representative. When I have managed to reach someone, the information provided has been incomplete or inconsistent, further delaying any meaningful resolution to my concerns. This lack of clear and accurate communication is both unprofessional and harmful to borrowers who rely on timely and accurate support to manage their student loans.

Most troubling is the extensive delay in processing my application for my Income-Driven Repayment ( IDR ) plan. Despite submitting all required documentation, my application has remained in limbo for over three months. In comparison, other federal loan servicers have processed similar requests in a fraction of the time. These delays place unnecessary financial strain on borrowers and undermine the very purpose of IDR programs, providing accessible and manageable repayment options.

To make matters even more urgent, I currently have only three qualifying payments remaining under the Public Service Loan Forgiveness ( PSLF ) program. The timely processing of my Income-Driven Repayment ( IDR ) application is critical to maintaining my eligibility and ensuring my payments continue to count toward forgiveness. Any delay or disruption in this process could jeopardize my ability to complete the PSLF program after years of consistent public service and responsible repayment. This is not just an administrative delay, it directly impacts my financial future.

A simple search online will reveal that my experience is far from unique. MOHELA has garnered numerous complaints across various platforms regarding the same issues : excessive wait times, poor communication, and egregiously slow processing. As a taxpayer and a borrower, I find this unacceptable.

I respectfully request that my concerns be addressed immediately and that MOHELA be held accountable for its performance. Borrowers deserve better.

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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:
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 XXXX  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 explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I submitted written block requests to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) under FCRA 605B ( 15 U.S.C. 1681c-2 ) regarding fraudulent activity related to identity theft. 

Specifically, I requested the removal of the following accounts and/or late payment records, which were reported as delinquent due to identity theft : World Finance Fingerhut Lead Bank I included the following with my requests : A valid FTC Identity Theft Report Proof of identity and address A written block request referencing FCRA 605B These items were delivered via certified mail on [ insert mailing date ( s ) ]. Under the FCRA, the credit bureaus are required to block this information within 4 business days. As of today, no action has been taken, and the negative items remain on my credit report.

I am requesting the CFPBs assistance in enforcing my rights under FCRA 605B. These fraudulent accounts and/or late payments must be permanently removed from my credit report immediately, and I am owed written confirmation of the same.

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 2025-07-03 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: NC

Complaint narrative:
I submitted written block requests to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) under FCRA 605B ( 15 U.S.C. 1681c-2 ) regarding fraudulent activity related to identity theft. 

Specifically, I requested the removal of the following accounts and/or late payment records, which were reported as delinquent due to identity theft : World Finance Fingerhut Lead Bank I included the following with my requests : A valid FTC Identity Theft Report Proof of identity and address A written block request referencing FCRA 605B These items were delivered via certified mail on [ insert mailing date ( s ) ]. Under the FCRA, the credit bureaus are required to block this information within 4 business days. As of today, no action has been taken, and the negative items remain on my credit report.

I am requesting the CFPBs assistance in enforcing my rights under FCRA 605B. These fraudulent accounts and/or late payments must be permanently removed from my credit report immediately, and I am owed written confirmation of the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: PA

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 explanation
Consumer complaint received 2025-07-03 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I'm really upset about the experience I had with XXXX XXXX XXXX in XXXX, Virginia. They sold me a used XXXX but handled everything in a totally unprofessional manner. They submitted paperwork that I never approved or signed and, on top of that, they pulled my credit four times without my knowledge. I had no idea my credit score was dropping so significantly.

I only agreed to one deal with a specific date and number, but they went ahead and altered the agreement, pulling my credit three additional times while I wasn't even there. Its incredibly frustrating, especially since I thought I was making a smart decision as I prepare to start a family. 

I genuinely believe this is a case of fraud, and I need help disputing these hard credit pulls from XXXX because I was only present in XXXX. I cant understand why they decided to scam me like this. It's unacceptable, and I'm hoping to resolve this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-07-03 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: LA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
Complaint Against Harley-Davidson Financial Services Data Privacy & Customer Service Issues Message : Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding Harley-Davidson Financial Services ( HDFS ) , specifically involving questionable practices related to the handling of sensitive personal information and lack of transparency during customer service interactions. 

After calling HDFS at XXXX for routine account support, I was asked to provide the following : My full 14-digit account number My date of birth The last four digits of my Social Security Number While I complied, I observed that the representative was audibly taking notes, which raised immediate concerns about how my personal data is being recorded and secured. Despite providing this sensitive information, the agents : Refused to share their last names or extension numbers Used generic or seemingly fictitious first names Would not provide a reference or case number for the interaction Soon after this call, I experienced a sharp and unexplained increase in spam calls, which strongly suggests a possible breach or misuse of my information. 

I believe these practices demonstrate a lack of proper security protocols and accountability measures, and I am deeply concerned that my personal information may have been mishandled or exposed.

I am requesting that the CFPB investigate : HDFSs procedures for verifying customer identity and securing personal data Their transparency in customer interactions Any potential misuse, breach, or sharing of my personal information that may have occurred I have reached out to Harley-Davidson Financial Services directly to raise these concerns. If no resolution is provided, I intend to pursue this matter further under the protections of the Gramm-Leach-Bliley Act ( GLBA ) and other relevant consumer privacy laws.

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
In XXXX, I received a phone call from XXXX XXXX at XXXX XXXX claiming that I owe {$69.00} to XXXX. During that call, I formally requested a debt validation letter to be sent to my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed that he would send the validation. I never received it. 

On XX/XX/XXXX, I received a notification that XXXX XXXX reported a derogatory debt on my credit report. I immediately called XXXX XXXX and again spoke with XXXX XXXX. I reminded him that I had previously requested written validation of the debt, which I never received.

He stated that he requested XXXX to send the validation letter and claimed that it was XXXX responsibility to send it, not XXXX Credits. When I informed him that under federal law ( FDCPA ), XXXX XXXX is required to provide me with written validation upon request, he incorrectly claimed there is no such law and hung up on me.

To date : I have not received any written validation of this debt from XXXX XXXX. 

XXXX XXXX has reported this debt to the credit bureaus without providing legally required validation. 

XXXX XXXX has refused to fulfill its legal obligations under the FDCPA, 15 U.S.C. 1692g.

I am requesting that this matter be investigated immediately, that XXXX XXXX be held accountable for its violation of federal consumer protection laws, and that the derogatory mark be removed from my credit report until proper debt validation is provided.

Please confirm receipt of this complaint and let me know if additional information is required.

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 2025-07-03 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: PA

Complaint narrative:
I am filing this complaint because a creditor is reporting late payments on my credit report during a time when my loan was in officially approved deferment. 

The account is with XXXX XXXX XXXX and it was placed into deferment with XXXX who I was advised no longer works for the company. He was working with me and my situation being a though I had XXXX and no income. I called to speak with someone about this and the woman I spoke with was not helpful, very XXXX  and my issue was not resolved which resulted in negative credit reporting and a charged off account which was out of my control. 

However, despite the account showing payment deferred status on my credit report, it is also being reported as 30/60 days late during that same period. 

Under the Fair Credit Reporting Act ( FCRA ), this is inaccurate no payment was due during deferment, and therefore, the creditor can not legally report missed or late payments for that time. 

I have contacted both the creditor and the credit bureaus, but the inaccurate information has not been corrected. This is hurting my credit score and affecting my ability to qualify for financial products.

I am requesting that this account be corrected by removing any late payments reported during the deferment period and accurately updating the payment history to reflect the account as Current or Pays as agreed during the deferment timeframe

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 2025-07-03 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 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 explanation