vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am filing a complaint regarding my Target XXXX XXXX account. I was unable to make my payment because I was directly affected by the federal government shutdown, which lasted over XXXX  days. During this period, I did not receive a paycheck and therefore could not make payments on any of my bills. I contacted Targets customer service to request temporary assistance specifically, a one-month deferment and removal of late fees until I receive my pay. This was a situation completely outside of my control. 

During my first call, I informed the representative of my circumstances. The agent was dismissive, repeatedly asking, What do you want me to do? even after I explained my situation multiple times. When I requested to speak with a manager, I was told that no manager was available, and the representative refused to escalate the call. 

I called back and reached another representative. I asked if the call center was located in the United States because I wanted to speak with someone who might better understand the impact of the government shutdown. Before placing me on hold, at approximately the XXXX mark of the call ( based on my call recording ), I clearly heard someone in the background laughing and saying, Oh, government shutdown, in a mocking tone. This was unprofessional and disrespectful given the seriousness of the situation. When I raised this concern to the representative, she denied that anyone had laughed despite it being audible on the recording. 

Later that evening, I called Customer Service again. That representative told me that Target does not offer any assistance for individuals affected by government shutdowns and only provides help for natural disasters. I explained that this situation is similar in impact to a national emergency, as it is caused by federal government actions and not client negligence. 

I am requesting CFPB assistance because I was denied reasonable hardship support, was treated disrespectfully, and was subjected to unprofessional and inappropriate behavior by multiple representatives. I am seeking reconsideration of my request for a temporary payment deferment and removal of late fees related to this shutdown period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Federal law requires credit bureaus to block adverse information resulting from severe forms of human trafficking within four business days of receiving a survivor 's submission. According to the Debt Bondage Repair Act. I have yet to get an update from complaint filed XX/XX/year>

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 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX XXXX in XXXX MA in XXXX. I was given a private student loan with misleading tactics and confusing placements. My interest rate alone was 17.25 %. I feel as though I was deceived in their practices. I am still paying this loan in XXXX because the interest rate is so high. My loan was initially a little over XXXX and had grown to XXXX because of interest rate. This has left me with hardship. It has taken me so long to reach out because I didnt know it was a possibility and didnt know where to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Over the course of a year XXXX and XXXX has harrassed, made false reports to credit bureau, destroyed my credit, threatens me over phone calls about debt that was result of identirt theft from people. 
I have written and ask that they remove all. Negative items off reports and I've sent them identity theft letter to customers service and corporate head quarters Received signed proof of delivery. 
I uploaded the Information to BBB and they received it. 
This has become an attack against me a personal vendetta. 
Paperwork stating I am a victim sent they ignore it. Calling numbers I don't have anymore, and I requested a stop an sexist all contact They have shared my personal info even after I opted out. 
They do whatever. I have several ppl who have issues with them reporting fake sent accumulated as they are third parties who buy debt make false reports to court etc The company shld be shut down. They even updated my credit report with fake ants that I was in contract with them just ope. And acct an etc. All lies as I have never had a verbal conversation nor entered a contract or. Made any payment on fraudulent acct I've been. Hacked badly. Lost a lot when ppl got my information living. As if they were me an I'm working at getting it cleaned still Report sent XXXX times abt identity theft have recordings and letters sent certified to stop harassing me not mines FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Request for Full Discharge of Student Loans Due to MOHELAS Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by MOHELAS due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options.

MOHELAS misled me by sending mixed information about when to recertify for income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. I am attaching documentation from MOHELA dated XXXX, XXXX 2025 that indicates my loans were placed in forbearance and interest would NOT be accruing. In XXXX of 2025 MOHELA then sent communication that interest WAS accruing while on forbearance. I am also including communication from MOHELA stating the time to recertify for IDR plan has changed. 

This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations as I think of having to plan to make these payments. The misinformation provided has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which MOHELA has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). MOHELAS conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on MOHELAS advice and entrusted them to manage my student loans be fully forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am disputing several inaccurate items on my credit report that resulted from identity theft following a data breach. These include fraudulent accounts, unauthorized inquiries, and inaccurately reported late payments. I am providing my government-issued ID, proof of address, and an FTC Identity Theft Report. These items were not authorized by me and are being reported incorrectly, which violates FCRA 605B, 611, and 623.

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 

Unauthorized Inquiries : XXXX. XXXX - XX/XX/year> - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX XXXX - XX/XX/year> - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/year> - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/year> - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - I did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/year> - XXXX did not authorize this inquiry. Please remove it from my credit report. 
XXXX. XXXX - XX/XX/year> - I did not authorize this inquiry. Please remove it from my credit report Inaccurate Late Payments : XXXX XXXX  - XXXX * XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late ; please correct the record to reflect Paid as Agreed.

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 2025-11-20 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Gravamen Asset Management Group LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I voluntarily surrendered my vehicle to Consumer Portfolio Services ( CPS ). After the surrender, the account should not continue reporting monthly delinquencies or active voluntary surrender updates. 

I disputed the account with XXXX in XX/XX/year> because the status is inaccurate and continues updating as if the account is open and delinquent. I later provided XXXX  with new evidence showing that XXXX conducted a reinvestigation and deleted this same CPS account entirely, stating it could not be verified. 

Despite this, XXXX  returned a verified as accurate result without providing documentation from CPS to support their verification. The account status remains inaccurate and inconsistent with another bureaus findings.

I am requesting that XXXX  conduct a proper reinvestigation with actual documentation from CPS, or delete the account for accuracy and consistency under the FCRA. I have attached the XXXX  deletion results and XXXX investigation response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX TransUnion Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of a coercion/extortion scam involving criminals impersonating law-enforcement officers. I was placed under intense psychological pressure and fear until I complied with their instructions. All activity conducted on XXXX was completed under duress, not true authorization. 

While under coercion, I was forced to transfer funds to XXXX. These transfers contributed to a total loss of {$300000.00}. Upon arrival : the criminals immediately converted the funds into cryptocurrency then transferred the assets out to external wallets within minutes XXXX failed to : flag extremely large and unusual deposits detect high-risk transaction behavior identify rapid conversion + immediate withdrawal to external wallets apply enhanced fraud, XXXX, or suspicious-activity controls recognize indicators of financial exploitation provide any effective support after I reported the incident XXXX later denied responsibility XXXX stating the activity was authorized, even though the transactions were made under threat and fear. 

The XXXX XXXX Police Department officially classified my case as Extortion ( California Penal Code 518 ) under case number XXXX, confirming the transactions were completed under coercion and are not legitimate authorizations. 

Requested CFPB Action : Require XXXX to respond in writing and reopen my fraud report. 

Determine whether XXXX complied with required fraud-monitoring and AML safeguards . 

Evaluate whether XXXX handling of rapid, high-risk transactions met federal consumer-protection expectations. 

XXXX failure to detect or intervene in obvious signs of coerced activity allowed criminals to remove my funds 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 2025-11-20 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

FRAUDULENT ACCOUNTS : XXXX - XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To Whom It May Concern : This letter concerns the above-referenced collection account that your company is currently reporting to the consumer reporting agencies. This account has been paid in full, and I have attached proof of payment for your reference.

Despite the payment being completed, your company continues to furnish information that is inaccurate, misleading, or incomplete, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

LEGAL BASIS for My Request Under the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information that is inaccurate or incomplete.

15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to correct and update any information that is not accurate.

15 U.S.C. 1681s-2 ( b ) requires a furnisher to conduct a reasonable investigation upon notice of dispute and to delete or correct information that can not be verified. 
Credit reporting is entirely voluntary, and you are not required by federal law to report a paid collection account. 
Because the debt has been satisfied and any continued reporting causes unjustified damage to my creditworthiness, I am formally requesting that your company : REQUESTED ACTION Delete the collection account entirely from all consumer reporting agencies XXXX XXXXXXXX XXXX XXXX XXXX 
Cease reporting any information regarding this account that is misleading, inaccurate, incomplete, outdated, or that fails to reflect its paid status. 
Provide written confirmation that you have requested deletion with all credit bureaus. 

IF YOU CAN NOT VERIFY THE REPORTING If you are unable to verify the accuracy and completeness of the information you are furnishingas required under 15 U.S.C. 1681s-2 ( b ) you must delete the account. Continued reporting without full verification is unlawful and exposes your company to liability. 

I expect your full compliance with federal law. Please confirm in writing once the deletion request has been submitted.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: MS

Complaint narrative:
This account is under litigation due to the HIPPA law and the balance is also incorrect I need this account removed from my report thank you.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: PA

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XX/XX/year> ] [ AVA FINANCE INC ] Account Number : [ XXXX ] {$15.00} DISPUTE AND VALIDATION REQUEST To Whom It May Concern : I am writing to notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide the following : Verification of the debt, including a detailed statement showing the amount owed and how it was calculated. 

The name and address of the original creditor. 

Proof that you are legally authorized to collect this debt in my state. 

A copy of any contract, agreement, or document bearing my signature that you claim obligates me to this debt. 

Until the requested validation is provided, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. If you have already reported the item, please inform the credit bureaus that it is disputed. 

Additionally, please do not contact me by phone. All communication must be in writing. 

If you can not provide proper validation, or if you fail to respond within the required timeframe, I expect this account to be deleted from all credit reporting agencies and for you to cease all collection efforts. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation