vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: CT

Complaint narrative:
I received a letter from mohela on XX/XX/year>XXXX  stating my loans were in forbearance and my interest was set to 0 %. Every month since I am still accruing interest at 6.625 %. I emailed them, filed a complaint with them 2 months ago with no response. I finally called them waiting 3 hours on the phone. They stated they would back track the interest and reset it to 0 moving forward and would send me a confirmation email and letter. It has now been over a month and I am still accruing interest, there is no back log and have not received any email or letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have overpayments on my student loan account that are almost 1 year old. When calling to speak with someone about it, I am transferred to a line that remains on hold until the work day concludes. I have called on 3 separate occasions including XXXX XXXX when they open as suggested by a mohela representative. Wait times are explained to be 1.5-2.5 hours but I've waited up to 5 hours and 20 minutes on hold. No one ever responds. Dates called are XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I would like to submit a formal complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding their harassing attemps to either collect a debt I do not owe or that have not been verified. I believe the actions of these agencies are in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: IN

Complaint narrative:
I'm a XXXX XXXX card holder Social Security set me up with it when I got my XXXX but 3 days ago XXXX XXXX  has locked my card when I called them to unlock it they told me that I need to email them my ID information to unlock the card so I did 7 times and they keep sending the email back to me so I called them back to get them to send me a check for the balance on the card so I can put in another bank but they refused to do it so I called the news media and they referred me to an attorney and my local US Senator to help me with it the news media is going to do a report on this they said that XXXX XXXX is committing fraud by illegally holding my federal funds I want to sue XXXX XXXX  for fraud and emotional distress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Bank ( XXXX XXXX account ) is being a predatory credit company and harassing me will I'm at work or home. The account in question was paid off in full per their employee on XX/XX/year>XXXX  for the amount of {$1000.00}. They claim there was a remaining balance of {$44.00}. If I was paying a payment of that amount why would I leave a {$44.00} dollars on the account. They refuse to admit their error and correct the damage they have done. Instead of working to fix the issue they are seeking {$310.00} in fees that are unjustly filled on my account. This has drastically effected my credit score. I'm in the process of purchasing a home and now need to resolve this issue. Their predatory behavior by their employees demanding fees and being disrespectful and uncooperative in dealing with will not fix their error. Instead they are demanding excess fees and will not fix their wrong reporting on my credit report. They instead seek a settlement and are unwilling to fix their reporting on my credit report. They are not being immediately responsive to request to escalate this issue to higher supervisor who could possibly fix this issue. There error has cause me personal distress due to the fact I'm in the process of purchasing a home which needs to happen in a expedited manor due to personal circumstances. There error has the potential to cause me upward or more then {$10000.00} in extra interest charges on a possible mortgage loan. I have given them the opportunity to work with me to find a reasonable solution to this issue but they are instead insisting on getting ill earned fees and payments. Account information is listed as follows phone number on account ( XXXX ) XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-05-17 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: FL

Complaint narrative:
Experian, XXXX, and Equifax are in blatant and constant violation of 15 USC 1681i and 15 USC 1692g, having willfully failed to provide proper verification of a disputed collection account ( s ) despite multiple written demands. 
I am demanding that they delete the following accounts : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Their continued noncompliance constitutes a direct breach of federal law and consumer rights. These accounts are not metro to compliance, and should've been deleted already.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime Customer Support Escalation Report Date : XX/XX/year> Time of Incident : Starting at approximately XXXX AM Summary : On XX/XX/year>, I contacted Chime Financial at around XXXX AM due to a serious issue involving my debit card. The card, which was newly issued after I canceled my previous one due to fraud, was being misread as a prepaid card by XXXX XXXX. This prevented me from transferring essential funds. 

I explained clearly to Chimes representatives that Ive worked with military banks before ( specifically XXXX ), and I know how card classifications work. Despite that, I was placed on hold repeatedly, transferred to different reps, and even hung up on more than once. This entire process lasted nearly XXXX hours. 

I had to raise my voice just to be taken seriously. I made it clear this was an urgent financial access issue, and the inability to resolve it promptly could amount to interference with rights I hold as a XXXX person under the ADA.

Key Points : The card is a legitimate debit card, not prepaid. 
I gave a full explanation with relevant banking experience. 
I experienced multiple hang-ups, long hold times, and delays. 
The issue remains unresolved at the time of this report. 
Chimes handling of this has been unacceptable and may warrant formal review.

This record is being maintained as part of ongoing documentation for accountability and possible legal escalation. 

Not transfered to compliance when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I understand there is no email to add screenshots for the following complaint if I previously filed : XXXX however I want to show you what I sent to Citibank and they still refuse to refund my account from XXXX. 

The screenshots of my conversation with the merchant XXXX from today XX/XX/XXXX where they say Citibank blocked the refund because I had a dispute regarding the charge. Citibank Disputes Department REFUSES to credit my account even though I have all this proof. Even today I spoke with 2 different supervisors who both disregarded the proof and they said I have to contact the vendor. 

Also I was told there is no other person above Disputes who will help me. When I told the supervisor I filed a complaint with your department he told me go ahead and theyll respond to but not me their customer of nearly 40 years. ( I spoke with a man named XXXX  ) I have received XXXX separate notices since XXXX that I closed the dispute and it is my problem to deal with. 

Even after the supervisors looked at the email and the XXXX conversations today again they told me its my problem to deal with.

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 2025-05-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ascendium Education Group
State: TX

Complaint narrative:
On the XXXX XXXX XXXX  XXXX. I received a letter in the mail from Ascendium Education Solutions with bogus, inaccurate information harassment, and defamation of character. I would like to take this matter further with all the inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am writing to formally request that Equifax block the reporting of fraudulent information on my credit report, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2. This information is the result of identity theft and does not relate to any transaction I personally authorized or initiated. 
Below are the details of the items that I am requesting to be blocked : Creditor Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : Identity Theft account was opened fraudulently without my knowledge or consent.

In compliance with FCRA 605B, I am including the following documentation to support my request : A copy of a government-issued photo ID, Proof of residence, A copy of the identity theft report, filed with FTC on XX/XX/year>, which meets the requirements defined under FCRA 603 ( q ), A written statement explaining that I did not open or authorize the account ( s ) in question and requesting their removal.

Under FCRA 605B ( a ), you are legally required to block the reporting of any information that resulted from identity theft within four ( 4 ) business days of receiving this request and supporting documentation. Furthermore, please
send me a confirmation letter once the block has been placed and notify the furnisher ( s ) of the disputed information as required under FCRA 605B ( b ).

Please also ensure that any creditors who reported the fraudulent account are notified that the information has been blocked, and that the account ( s ) in question do not reappear in my credit file unless XXXX receives certified proof that I was, in fact, responsible for the account ( s ) ( as outlined in FCRA 605B ( c ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I attempted to make my mortgage payment through PennyMacs online portal the month my payment amount changed. The transaction showed as pending, but the funds were never withdrawn from my bank account. I believe the recent change in payment amount may have triggered a system glitch that caused the issue. 

When I logged in the following month, I discovered that my account was marked late, the payment amount had increased, and a 30-day delinquency had been reported to the credit bureaus. 

I have never missed a mortgage payment before and paid immediately upon discovering the issue. Despite explaining this to PennyMac and providing context that this was a technology-related error, they refused to remove the late mark. 

As a result, my credit score dropped nearly XXXX pointsfrom over XXXX to around XXXX. Ive already paid the late fee and made the following months payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX  XXXX Account Number : XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: AZ

Complaint narrative:
I mailed two certified disputes to CoreCredo on XX/XX/XXXX and XXXX. 
Their reply was not a decision or investigation, but a standard copy of the FCRA summary. 
I'm requesting removal of inaccurate public records ( e.g., bankruptcy ) due to lack of verification and failure to follow proper procedure under 15 U.S.C. 1681i. 

I am disputing the accuracy and reporting of a bankruptcy listed on my credit report. I have sent certified letter requesting verification, but no documentation proving the bankruptcys validity has been provided. Under the Fair Credit Reporting Act ( FCRA ), this public record is unverifiable and should be removed. 

This reporting is causing significant harm to my credit profile. I am requesting immediate deletion of the inaccurate public record and a reinvestigation in accordance with the FCRA.

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 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
According to documents filed with the XXXX XXXX XXXX XXXX, docket No. XXXX, the time I have been in return to repayment remediation which is noted on each loan serviced by mohela, are automatically eligible for PSLF. The initial description of this category is cited in the foot notes of page 2 and reads " On this chart, N/A means that this type of forbearance is not eligible for buy back because it is automatically counted towards PSLF eligibility ''. The return to repayment remediation status chart is on page 12. As of right now Mohela has repeatedly failed to accurately report the status of my student loans to Federal Student Aid. This failure is causing irreparable financial harm to me and my family while simultaneously providing mohela with a monthly stipend because mohela is the " servicer ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX XXXX LVNV FUNDING LLC Account # XXXX Care of Resurgent Capital Services XXXX, South Carolina, XXXX Subject : Cease and Desist Demand Regarding Debt Collection Activities To Whom It May Concern : I am writing to formally request that you cease and desist all communication with me regarding the alleged debt referenced in your recent correspondence ( Account Number : [ Insert Account Number ], if applicable ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to request that you stop all further contact with me about this matter. 
This letter serves as formal notice that I do not wish to be contacted any further by your agency, or by any third party acting on your behalf, except to notify me of the following : 1. That your collection efforts are being terminated ; 2. That you may invoke specified remedies which are ordinarily invoked by your agency ; or 3. That you intend to invoke a specific remedy.

Please also provide written verification of the alleged debt, including the original creditors name, the amount claimed, and documentation supporting the validity of the debt, as required under 15 U.S.C. 1692g.

Failure to comply with this request may result in legal action, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or the Attorney General of my state. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Full Name ] [ Signature, if mailing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear CFPB, I am submitting this complaint due to inaccurate and unverifiable information being reported by the credit bureaus on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). 
Personal Background : I have been actively working to rebuild my credit and maintain a clean credit history. During this process, I noticed multiple errors and unverifiable information on my credit reports, including addresses I have never lived at and negative account reporting that lacks proper validation. 

Inaccurate Personal Information Wrong Addresses : The following addresses are being reported on my credit reports but are not associated with me : 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 These addresses are completely unfamiliar and unrelated to my residential history. Reporting such false addresses causes confusion, damages my credibility, and affects my creditworthiness. This violates 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy in their reports. 

Unverified or Inaccurate Account Reporting : In addition to incorrect addresses, the following accounts are being reported negatively without proper validation : XXXX XXXX XXXX XXXX XXXX  Late payments reported Opened : XX/XX/XXXX Balance : {$330000.00} I have not received any written notice validating this debt as required under 15 U.S. Code 1681i. 

XXXX XXXX XXXX Charged off Opened : XX/XX/XXXX Balance : {$14000.00} XXXX requested verification, but none has been provided. 

XXXX XXXX XXXX XXXX Charged off Opened : XX/XX/XXXX Balance : {$700.00} This account is inaccurate and may have been a result of identity confusion. 

XXXX XXXX XXXX  In collections Opened : XX/XX/XXXX Balance : {$270.00} This item appeared without prior notice or validation. 

Violations of Federal Law : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to properly investigate disputed information.

15 U.S.C. 1681g Failure to provide full disclosure when requested.

15 U.S.C. 1681s-2 ( b ) Furnishers ' duty to correct and update inaccurate information.

Relief Requested : Remove all the incorrect addresses from my credit report. 

Investigate and delete all unverifiable and inaccurate accounts. 

Enforce compliance from the credit bureaus and furnishers in accordance with the FCRA. 

I am requesting your assistance to ensure that these matters are resolved promptly and that my rights under the FCRA are protected.

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