vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
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: MOHELA
State: CT

Complaint narrative:
I submitted a request in XXXX of XXXX for a negative reamortization application of my student loans along with processing and administrative forbearance. The claim was lost in their system due to internal record keeping. In XXXX of XXXX I filed another request and this was cancelled in error by Mohela. I filed another request in XXXX of XXXX and this is still in process. My loan has been in forbearance since XXXX of XXXX due to this pending application. Their automated phone system even indicates that all loans will be put in automatic forbearance if there is a pending application and to ignore late loan notices. I can record this statement and provide if needed. In XXXX of XXXX I received a late loan notice and disregarded as they directed. Then on XX/XX/XXXX I gave a call to check the status of my application. The rep confirmed the automatic forbearance had not yet been placed on the account and that she would put the forbearance on the account and resubmit my application for a 4th time. She also confirmed that I should ignore any late loan notices since the forbearance had been submitted and can just take time to reflect. This was all confirmed on a recorded line. In XXXX, Mohela reported my loans as late and delinquent to credit reporting agencies, resulting in a significant decrease to my credit score, moving from a XXXX to XXXX. This is a direct result of the late payments Mohela reported as I have had no other changes to my credit history in that span of time. They reported 8 loans as being delinquent when they confirmed on a recorded line on multiple occasions that my loan was in forbearance. I called in XXXX of XXXX and spoke to a rep who confirmed the rep I spoke with in XXXX of XXXX made a significant error which resulted in my loans not being put into forbearance. She addressed this and the loans are now current. I spoke with the credit reporting department with Mohela and they opened a claim to adjust my credit reporting since their error resulted in them reporting my loan as late when it has never been late, it has been in forbearance since XXXX of XXXX. I have not heard back and my credit still reflects these late payments. I filed a dispute with XXXX but they were not able to remove these from my credit report. I have had a very difficult time connecting with Mohela or getting consistent information. I have been provided with misinformation on several occasions and need them to adjust the error they made in reporting late payments as quickly as possible as it has significantly impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX CARD - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX BANK XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$720.00} XXXX  XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX OF XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX AUTO FIN - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XX/XX/XXXX XXXX. TECH XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX 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 explanation
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Dispute of Debt Reported as Profit and Loss Request for Investigation and Correction Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account as a " Profit and Loss '' charge-off on my credit report. This inaccurate designation is misleading, legally questionable, and potentially violates provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Your company has reported this debt to the credit bureaus as a Profit and Loss write-off, which implies that the debt has been forgiven or settled and written off your books entirely. However, if you are still attempting to collect on this account or have sold it to a third party for collection, such reporting can be construed as inaccurate and misleading. This is especially true if there has been no official discharge of debt or proper documentation of the amount being written off. 
Legal Basis for My Dispute 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) mandates that information furnished to credit bureaus must be accurate and complete. Misrepresenting the charge-off or failing to note its correct status violates this obligation. 
2. Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) reinforced that credit information must not only be factually correct but must not be misleading in context. 
3. In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that even technically accurate information may still be considered inaccurate if it is misleading or incomplete. 
4. If the account has been sold or transferred, continuing to report it as a charge-off by the original creditor may constitute double reporting, which can unfairly damage my credit score.

I respectfully request that you : 1. Investigate and provide verification of the reported information per 15 U.S.C. 1681i ( a ).

2. Amend or delete the inaccurate Profit and Loss designation if you can not provide proper validation. 
3. Provide documentation confirming : o The date and amount charged off o The accounting treatment of the charge-off ( if applicable ) o Whether the account was sold or is still collectible o Any settlement or discharge records o 1099-C FORM If this error is not corrected within 30 days, I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and/or seek legal remedy under the FCRA and FDCPA. 
Please mail your response and any supporting documentation to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These inquiries are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( miscellaneous ) XXXXXXXX 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 explanation
Consumer complaint received 2025-04-23 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and to file a formal complaint regarding the terms of my new Wells Fargo Reflect Visa card I spoke with a Wells Fargo employee who explicitly stated that the Wells Fargo Reflect Visa card offered a 0 % Annual Percentage Rate ( APR ) for a period of 21 months. This information was the primary, and frankly the only, reason I decided to apply for this particular credit card. 

Based on this assurance from your representative, coupled with the marketing of the Wells Fargo Reflect card which prominently features a 0 % introductory APR period, I proceeded with the application and was subsequently approved. 

However, upon receiving my first statement, I was dismayed to discover that I am being charged interest at a rate that is clearly not 0 % for the introductory period. This is in direct contradiction to the information I was given by your employee and the advertised terms of the card. 

The fact that I was specifically informed of a 0 % APR for 21 months by a Wells Fargo representative, that the card is marketed with this very offer, and that my application was approved, leads me to believe that I should indeed be receiving this promotional rate. The discrepancy between what I was told and what I am now being charged is incredibly misleading and unacceptable. I would not have applied for this card had I known the terms were different. 

I request an immediate investigation into this matter. I expect Wells Fargo to honor the 0 % APR for 21 months as I was explicitly told and as the card is advertised. I would appreciate a prompt resolution to this issue, including the appropriate adjustments to my account to reflect the promised 0 % APR.

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 2025-04-23 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: UT

Complaint narrative:
I am currently on the SAVE plan. 

I received an email on XX/XX/year> from StudentAid.gov stating that I was placed in a forbearance that would not accure interest during the SAVE litigation. I also received a letter from Mohela saying the same thing. According to all government websites, I should not be accruing interest ( see attached document ) until later this year. 

Mohela informed me that I am accruing interest in my loans, going direclty against what I was told be the federal government ( see attachment ). I have accrued XXXX of dollars of interest due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
I am following up regarding my previously submitted dispute concerning inaccurate, unverifiable, and now additionally unrecognizable collection accounts listed on my credit report. 

Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
Im reaching out because my credit report shows personal information that isnt accurate, which has led to unfamiliar and incorrect accounts being linked and mixed to my profile. This is not an error on my partmy report clearly includes mixed or merged data that doesnt belong to me. Ive noticed multiple accounts and transactions that I have no association with, and its causing serious distress. This situation is impacting my peace of mind and financial credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute my XX/XX/XXXXand request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my XX/XX/XXXX XX/XX/XXXXdebt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed 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 2025-04-23 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
Im reaching out to request your support in reviewing accounts with incorrect late payment entries. Ive gone through my credit report and found that some companies have reported me late when they shouldnt have. These accounts should not carry any late payment remarks. Please remove them and update the status to show as current and positive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I am a 100 % XXXX veteran with an approved real state tax exemption from the state. I have sent the letter of approval to the Mortgage company but they refuse to eliminate the tax charge from the monthly charges because they want the letter to read as they wish rather than as the state determined. They have spoken with the county clerk over the phone, with me on the line, who confirmed of the 100 % exemption and thus taxes should not be charged. They continue to charge taxes. They ( the bank ) later send a letter saying they are not receiving a tax bill from the county -surprise! because I am exempt- and yet they continue to charge it to my monthly mortgage amount.

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