vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Request for Debt Validation Dear Jefferson Capital System, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. For your reference, I have enclosed a copy of my credit report with the entry in question highlighted.

Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: EdFinancial Services
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right for privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-01 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I was double charged for my XXXX taxes in XXXX of XXXX then my XXXX exemption got messed up once this was found out in XXXX of XXXX I was able to start getting a refund and pay down the shortage Im still working on the refund from XXXX but I paid the mortgage company in full when they did the new escrow Analysis I had already paid XXXX of my XXXX tax and insurance and after the new analysis came back they have me paying {$1200.00} a month for the remaining 8 months Ive talked to 3-4 people and every time I go through the numbers with them I just get a idk Ill have to ask and I never get a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i am writing toformally Dispute my XXXX XXXX loans and request a full discharge due to a serious Beach of my personal and Financial Information.My Information way compromised without my authorizaion, which violates multiple fedreal laws designed to project XXXX  Records and personal Privacy. Unser these circumstances, i request the immediate cancellation and discharge of XXXX  Loan debt in full, as my Rights have been severly violated. Below are the key reasons for my request, Violation of the Family Educational Rights and Privacy cat FERPA. My XXXX  Records were dicclosed without my content, protections. Beach of the Privacy cat of 1974. My personal and Financial Information way impropearly accessed and shared without my authorizaion and my Privacy Bright under federal Law. Violation of the higher Education cat, As a XXXX  Loan borrower, my Information shoul have been protected, but the mishandling of my Data demonstrates a failure to uphhold these Legal Protections, Beach of contract and negligence, The entity responsible for safeguarding my Data XXXX to do so, putting my Financial Security at Risk. And unauthorized disclosure to third parties.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i am writing toformally Dispute my XXXX  XXXX  loans and request a full discharge due to a serious Beach of my personal and Financial Information.My Information way compromised without my authorizaion, which violates multiple fedreal laws designed to project XXXX  Records and personal Privacy. XXXX these circumstances, i request the immediate cancellation and discharge of XXXX  Loan debt in full, as my Rights have been severly violated. Below are the key reasons for my request, Violation of the Family Educational Rights and Privacy cat FERPA. My XXXX  Records were dicclosed without my content, protections. Beach of the Privacy cat of 1974. My personal and Financial Information way impropearly accessed and shared without my authorizaion and my Privacy Bright under federal Law. Violation of the higher Education cat, As a XXXX  Loan borrower, my Information shoul have been protected, but the mishandling of my Data demonstrates a failure to uphhold these Legal Protections, Beach of contract and negligence, The entity responsible for safeguarding my Data XXXX to do so, putting my Financial Security at Risk. And unauthorized disclosure to third parties.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am writing toformally Dispute my XXXX XXXX loans and request a full discharge due to a serious Beach of my personal and Financial Information.My Information way compromised without my authorizaion, which violates multiple fedreal laws designed to project XXXX  Records and personal Privacy. XXXX these circumstances, i request the immediate cancellation and discharge of XXXX  Loan debt in full, as my Rights have been severly violated. Below are the key reasons for my request, Violation of the Family Educational Rights and Privacy cat FERPA. My XXXX  Records were dicclosed without my content, protections. Beach of the Privacy cat of 1974. My personal and Financial Information way impropearly accessed and shared without my authorizaion and my Privacy Bright under federal Law. Violation of the higher Education cat, As a XXXX  Loan borrower, my Information shoul have been protected, but the mishandling of my Data demonstrates a failure to uphhold these Legal Protections, Beach of contract and negligence, The entity responsible for safeguarding my Data XXXX to do so, putting my Financial Security at Risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my student loan servicer, Mohela, for inaccurately reporting two of my federally serviced student loans as delinquent to the credit bureaus. 

Summary of the Issue : These loans were placed in administrative forbearance due to the XXXX relief program, during which no payments were due. 

Nevertheless, Mohela reported both accounts as delinquent, which I discovered when reviewing my credit report. 

I immediately took corrective action by paying the balances to bring both loans current and enrolling in autopay. 

To add to the confusion, Mohela recently sent me a notice stating that my next due date is not until XX/XX/XXXX, contradicting their own delinquency report. 

Attempts to Resolve : I first emailed Mohela regarding this issue on XX/XX/XXXX, clearly disputing the delinquency and requesting correction. 

As of today, XX/XX/XXXX, I have received no response or action from Mohela. 

I sent a second formal complaint to Mohela earlier today requesting urgent resolution within 7 days. 

Harm and Requested Action : This incorrect reporting has already caused damage to my credit score and could affect my access to credit and financial opportunities. Mohelas failure to respond is not only negligent, but it may also violate provisions of the Fair Credit Reporting Act ( FCRA ).

I request that the CFPB : Investigate Mohelas inaccurate reporting and lack of timely response. 

Require Mohela to correct the delinquency status with all major credit bureaus ( Equifax, Experian, and TransUnion ). 

Confirm in writing that the necessary corrections have been made. 

Thank you for your assistance in protecting consumers from unfair and damaging reporting practices. 

Sincerely, XXXX XXXX XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled Enrolled in Autopay. 
Show more information XXXX Direct Parent PLUS Direct XX/XX/XXXX Enrolled in Autopay. {$0.00} Scheduled I received this email from Mohela on XX/XX/XXXX Your Payment is Due Soon Your MOHELA student loan payment of {$270.00} is due on XX/XX/XXXX, with no past due amount listed. 
View bill Created by XXXXXXXX XXXX XXXXXXXX this helpful? 
MOHELA Tue, XXXX XXXX at XXXX AM Visit site Message Body MOHELA - a Servicer of Federal Student Aid Billing Statement Summary Your Student Loan Payment is Due : XX/XX/XXXX Current Due : {$270.00} Past Due : {$0.00} Total Due : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: CA

Complaint narrative:
Hello, This happened when I started my school year for XXXX on XXXX 2022 they told us we were going to send us a email to start paying my XXXX XXXX and they never send us any information and 1 year after I graduate I start making payments with high interest. Currently struggling due to paying bills at home. My payment went up and every time I pay my monthly balance it wouldnt move down. This company kept moving different lenders they recently switched to a new one called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I recently noticed inaccurate information being reported to my credit and put in dispute with the credit bureaus in regards to this matter and ask that the cfpb step in and help the bureaus investigate this matter correctly and I aslo ask for proof of investigation and its finding

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 2025-05-01 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: GA

Complaint narrative:
I recently noticed inaccurate information being reported to my credit and put in dispute with the credit bureaus in regards to this matter and ask that the cfpb step in and help the bureaus investigate this matter correctly and I aslo ask for proof of investigation and its finding

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 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am filing this complaint against Exeter Finance LLC for reporting inaccurate and unjust information regarding a vehicle loan that was handled improperly. 

I suffered financial hardship after my car was involved in an accident. Despite this, I continued making partial payments and stayed in constant communication with Exeter, informing them of my situation. 

I made them aware of mechanical issues, ongoing repair costs, and the fact that I was initiating a XXXX XXXX claim, which required physical inspection of the vehicle. 

However, I was later informed by the repossession lot that my car had been suddenly sold and shipped out, before I could retrieve my personal items or allow the XXXX claim process to proceed. 

I was told I had a few days to get my belongings, but by the time I arrived, the vehicle had already been taken. Exeter never provided proper repossession documentation or notice of sale. 

This was not neglect this was a real hardship situation I tried to resolve in good faith. 

Reporting this loan as charged off without proof of a legal repossession or debt validation is not only inaccurate it is financially harmful and deceptive. I am requesting a full investigation and removal of this tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX * * * * Balance $ XXXX Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 60 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX * * * * Balance : {$1800.00} Date of Last Payment : XX/XX/XXXX Late 120 days XXXX XX/XX/XXXX and XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/year> deposited XXXX XXXX XXXX ( XXXX  ) into my Coinbase account in order to trade it into normal Bitcoin. I was unaware that Coinbase had delisted XXXX and no longer supports trading the token on their exchange. I then went to withdraw it as I normally would. This is normally fine as Coinbase still supports deposits and withdrawals for all XXXX tokens ( which XXXX is ), but for some reason my funds were immediately locked and unable to withdraw. Since then, I have tried to get assistance through email support, XXXX, and XXXX, but Ive received no help. Coinbase support can not give me a timeline, escalation path, or even confirm what the resolution process looks like. 

The XXXX is still in my Coinbase account. The funds are being held as " unavailable balance '', and no one at Coinbase can explain why or provide me with a solution. I can see it, but I can not withdraw it. This asset is effectively being held XXXX. Support staff appear to be entirely unfamiliar with the issue and are providing copy-paste responses with no substance. I've been told repeatedly to " wait '' with no timeframe or assurance that any fix is in progress. 

As a licensed financial professional, I am extremely concerned about the regulatory implications of a platform holding customer crypto assets without access or remedy. These funds are family owned and time-sensitive. Coinbase is failing in its role as a custodian and service provider, and their lack of communication or technical support has left me with no choice but to file this complaint. 

I am requesting immediate escalation and resolution, including access to withdraw my XXXX. If Coinbase no longer supports the asset, they must provide a mechanism to return it to the customer in a usable form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
Trying to collect on a debt that was deemed as fraud by the NY attorney generals office. The business was conducted in New York j have never been nor plan to visit. I live in the XXXX and someone stole my idenity and opened up a fraudulent account. They have threatened legal proceedings as well as threatened to end me this is a fraud XXXX t as we still sold to a private 3 rd party debt collector even after it was deemed as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I recently contacted the attorney office navy federal told me to contact.

I sent them an offer to settle down the issue, they said no its not enough but instead they will use the money as down payment towards the remaining balance.

As today I dont see any reflection of the money I sent in my credit report. Its been more than a month.

I contacted navy federal collection office to explain the situation, the lady over the phone was so rude and told me they cant discuss the issue with me, she told me to contact the attorney office who is in charge now of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
The CFPB finalized a rule on XX/XX/year>, to ban medical bills from credit reports. This rule, which amends Regulation V ( implementing the Fair Credit Reporting Act ), prohibits CRAs like Equifax, TransUnion, and Experian from including medical debt in credit reports and bars lenders from using this information when making credit decisions. 
The XXXX  XXXX XXXX XXXX has been ILLEGALLY MISREPORTING Acct # XXXX in the amount of {$10000.00} for many years. This vehicle was purchased so that no longer had to rely on the bus to make it to my critical medical appointments. The truck was purchased for the sole purpose of transportation for medical purposes. Since the rule above clearly prohibits credit reporting agencies from including MEDICAL DEBT on credit reports, I continue to demand that this account is taken off of my reports and all association removed from my name and social security number!

Company response to consumer: Closed with explanation