vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MOHELA
State: OH

Complaint narrative:
Mohela has incorrectly charged me a delinquent fee of XXXX XXXX I called them and they stated it was a known error/glitch on their end and they would remove it. It has been months and it is still there. Also, they are intentionally making it extremely difficult to contact them over the phone. I have tried multiple times with no success.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
PHH Mortgage still continues to delay finishing the loan assumption process and delaying the sale of my home. Their actions are unethical at the least and possibly illegal. They are causing extreme financial hardship and emotional distress. 

This issue was raised in case XXXX. They have not resolved the issue in any way. All they provided was more misinformation. They still have not provided a closing date. 

They are in clear violation of the XXXX  XXXX XXXX from XXXX XXXX  which provides that an assumption of a XXXX  loan must be completed in XXXX  days. They are well past that time. They continue to delay, they lie repeatedly. They have told me, my realtor and the buyer 's realtor different things about the same subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-09-03 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: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach, and a XXXX attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I have no connection to these accounts, which I believe are fraudulent. Please review, remove, and investigate. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX United States Subject : Cease and Desist Notice Pursuant to XXXX XXXX Code XXXX ( c ) To Whom It XXXX Concern : I am formally requesting that you cease all communication with me in relation to the alleged debt associated with : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Under XXXX XXXX Code XXXX ( c ) of the Fair Debt Collection Practices Act, once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must immediately stop all further contact except to : XXXX. Advise that further efforts are being terminated ; XXXX. Notify me that certain specific remedies XXXX be invoked ; or XXXX. Notify me that the debt collector intends to invoke a specific remedy. 

As of the date of this letter, you are to cease all written, verbal, or electronic communication with me, including any calls to my residence, place of employment, or through third parties. If you continue to contact me after receiving this notice, it will constitute a direct violation of the Fair Debt Collection Practices Act and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau ( BBB ), and my state Attorney Generals office. 

Additionally, if this alleged debt is being reported to any of the credit bureaus ( XXXX XXXX XXXX XXXX ), I demand immediate deletion or investigation under XXXX XXXX Code XXXX of the Fair Credit Reporting Act ( FCRA ), as the account is disputed. 

This letter serves as legal notice. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I received a Virtual XXXX XXXX as a result of the Equifax settlement. It says the card is compatible with Apple Pay, but I get an error that says " Card Not Added, Contact your card issuer for more information '' when I try to add it to my Apple Wallet. 

I tried to activate it through their online system, and it says " Sorry, we can't activate that card. Please try again. If you have already activated your card and created a profile, please log in to view your balance, or if you have received a virtual card, go back to the email you received after the card activation and use the link provided. '' I tried calling the card issuer, and the automated system said the card has been blocked due to a security issue. I created a profile in their online system, and can log in and see the card and balance, but have no way to use it and can not get through to an agent. The online system says I'm losing XXXX XXXXXXXX for having an unused card, except I can't use the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My checking account was compromised when a bad actor spoofed the actual phone number of Webster Bank. I gave the initial information requested. I hung up when I realized it was a fake call, despite the actual Webster Bank phone number appearing on my phone. 

I froze the account until all direct deposits and debits were satisfied and received a new account. The branch put in a check printing order for this new account. Meanwhile my direct depositors had to be notified of the new banking information. All I had was the routing and account numbers on the back of a business card. I copied all the numbers correctly with the exception that I used the last digit of the routing number in place of the last digit of the account number. 

On XX/XX/year>, I received an email notice from this client that a deposit had been issued, but the funds never made it into my account. By XX/XX/XXXX, I realized how the error occurred and I went to my local branch. I provided proof of the intended routing of this payment and the teller saw it on the screen, and said it should have been declined, but wasn't because the incorrect account number I gave was an actual account that is in use. This teller put in a reversal request. I was told could take XXXX days for the money to be routed to my account. 

After XXXX  days, I went back to my branch and was told that the back office needed the client to issue a retrieval in the form of a " letter of indemnity. '' My client had this letter written and sent and when I went to my local branch on XXXX XXXX, I tried to get information and was told the client 's bank has to send the letter of indemnity. When I said it was sent, they said they never received this letter. 

On XX/XX/XXXX, I visited the XXXX of the main branch of XXXX who said she would be able to reverse the deposit. She was not able to reverse the payment or get information from the back office on where they are in the process. She did say that my client 's bank has to write a letter of indemnity. 

On XXXX XXXX, my client sent yet another letter of indemnity through their bank, but I still don't have any confirmation that XXXX has either received, or has any intention to honor this request. 

My position is that the payment should not have been completed if the name on the account doesn't match the deposit advice. It is mind-boggling that Webster bank doesn't consider the name of the account holder to be 'relevant criteria. '

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
Did not Authorize information was involed XXXX XXXX XXXX Breach Account XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of late payment entries that currently appear on my credit report based on my XXXX XXXX XXXX XXXX XXXX and account history. More than XXXX  days ago, I initiated formal validation requests with the reporting creditors to verify the legitimacy of these disputed late payments, but have received no response or documentation to substantiate their claims. The creditors ' failure to provide proper validation within the legally prescribed timeframe raises substantial questions about the accuracy of this negative information and their ability to verify these reported delinquencies. This lack of response suggests these late payment entries XXXX be inaccurate or improperly documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: WA

Complaint narrative:
I Have attached documents below XXXXmy personal information was exposed to XXXX Date breach my identity was stolen and I do not recognized these accounts listed below. INCORRECT NAME ON MY FILE -FIRST NAME XXXX XXXX XXXX NAME -FIRST NAME XXXX XXXX XXXX XXXX LAST NAME -XXXX  XXXX inquiries -I do not Authorized those creditor to run my credit account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX AND Negative items Account XXXX XXXX -- XXXX XXXX XXXX Account # XXXX -XXXX  XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX /XXXX  XXXX -According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : ( dispute_item_and_explanation ) In addition, please remove all non-account holding inquries over XXXX  days old. Also, please add a promotional suppression to my credit file. DIT + XXXX XXXX federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to XXXX be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

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 2025-09-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I Have attached documents below XXXXmy personal information was exposed to XXXX Date breach my identity was stolen and I do not recognized these accounts listed below. INCORRECT NAME ON MY FILE -FIRST NAME XXXX XXXX XXXX NAME -FIRST NAME XXXX XXXX XXXX XXXX LAST NAME -XXXX  XXXX inquiries -I do not Authorized those creditor to run my credit account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX AND Negative items Account XXXX XXXX -- XXXX XXXX XXXX Account # XXXX -XXXX  XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX /XXXX  XXXX -According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : ( dispute_item_and_explanation ) In addition, please remove all non-account holding inquries over XXXX  days old. Also, please add a promotional suppression to my credit file. DIT + XXXX XXXX federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to XXXX be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> LVNV Funding XXXX, SC XXXX Dear Sir/Madam, I am writing this letter to formally request that LVNV Funding cease and desist all communication and collection activities with regard to the alleged debt referenced as XXXX. 

I believe that the debt in question is not valid and that LVNV Funding has engaged in unlawful debt collection practices. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, and I demand that LVNV Funding adhere to these laws. 

Furthermore, I am prepared to take legal action if LVNV Funding continues its collection efforts without providing proper validation of the debt as required by law. Please be advised that any further attempts to collect on this debt without proper validation will be considered a violation of my rights. 

I request that LVNV Funding confirm in writing that all collection activities have ceased and that you will provide validation of the debt as required by law. Failure to comply with this request will result in further legal action. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX XXXX. XXXX : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: KS

Complaint narrative:
I am filing a complaint against Experian for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX ( a ) ( XXXX ) ( B ) [ XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ]. The accounts in question are : Creditor Name : XXXX XXXX  ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>. This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA XXXX ( a ) ( XXXX ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within XXXX business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. 
Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA XXXX ( a ) ( XXXX ) ( B ) moving forward.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year> I was contact by XXXX and XXXX. I was called from XXXX and was told to call XXXX. I connected to a company in California. I asked for a North Carolina XXXX license number or a BAR number as they said they work for a law firm. They refused me the information and told me it was BAR XXXX. 

They said they are going serve me with papers and will XXXX  my home for a Citi Bank debt form the years XXXX. They provided me case XXXX XXXXXXXX. I resided in XXXX  during that time and XXXX  law gives someone XXXX  years to bring a lawsuit for unpaid debt. The man who would not provide his name said XXXX  years is the statute, but that was still XXXX years XXXX  months ago. XXXX is still expired. 

I now live in NC. I never had a debt with Citi Bank and I never banked with Citi Bank, I never signed anything with Citi Bank. I believe this collection effort is illegal and I want the company to be held accountable for unethical practices and illegal collections.

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