vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
My student loans have been with Mohela for a few years. Their customer service is reprehensible. They use numerous evasive tactics to avoid calls ( include unreasonable hold times, mistransferring, call drops, not providing means to directly contact personnel, purposely misleading customers with bad information in order to drag processes on ). I most recently requested that my forced forbearance be removed ). This request was made XX/XX/year>. I was told it would take 5-10 business days. When it wasnt removed, and I called them around XX/XX/year>, they then said it would definitely occur around the first couple of weeks in XXXX. I called them again on XX/XX/year> and they said it would take 120 business days. When I asked why, they gave a non answer of we have longer processing times now. This is a vague answer that can be used to justify many of their past delays. This delay is ridiculous and the answer they provide is equally absurd. They offer no recourse and I have certainly tried to resolve this with them and they have evaded every attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This debt was charged off in XX/XX/year> and illegal per Senate bill the credit card was used for co-payments and medicine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AR

Complaint narrative:
I asked Mohela to send me the actual contract signed. My father spoke to someone as well who stated the loan was created in XXXX of XXXX. XXXX of XXXX I wans not in school at all. Also the company does not have the correct dob. XXXX stated my dob is XX/XX/XXXX on the account but Mohela has been rude and threatening to garnish parties. My father also alerted them that only XXXX loan was signed which was XXXX or XXXX and was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash app took my card away an has let over XXXX transactions happen without my consent since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/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 2025-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint as an elderly consumer ( in my XXXX ) who believes I was misled and taken advantage of by a representative affiliated with XXXX during the sale and financing of a solar panel system. The loan agreement in question was signed on or around XX/XX/year>. 
A representative came to my home and led me to believe that I would pay only a low monthly amount ( approximately {$33.00} ) for the entire duration of the loan and would not have to pay any further electric utility bills. I relied on these statements, which I now know were false. 
The representative presented the agreement to me on an XXXX and asked me to " tap '' the screen to sign. No one explained the agreement to me thoroughly, and I was not provided with a printed copy of the contract prior to or at the time of signing. I was not given time to understand the financial implications or monthly cost increases. I did not have access to a legal or independent advisor at the time. 
The agreement now shows a XXXXyear loan with total payments exceeding {$25000.00}, with a significant monthly increase after the first XXXX months. I was never told this at the time of signing. 
I believe the sales tactics and contract execution process were deceptive and unfair, especially considering my age and lack of familiarity with electronic documents. I now wish to cancel the contract and seek relief. 
Alleged Violations : Misrepresentation of product and financing terms Deceptive sales practices targeting an elderly individual Lack of informed consent and failure to provide clear disclosures Electronic contract execution without proper review or explanation Predatory conduct and possible violation of consumer protection laws, including the Dodd-Frank Act prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ) Relief Requested : Immediate termination of Loan Agreement No. XXXX Refund of any payments made, if applicable Deletion of any negative credit reporting associated with this loan Assurance that no further attempts to collect on this account will be made Review and investigation into XXXX practices with senior consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Kovo
State: NJ

Complaint narrative:
I saw that theyre were late payments on my credit report under KOVO and I dont recognize that company. They said I am 30 days late on a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint due to inaccurate negative information reported on my consumer credit report by XXXX XXXX XXXX XXXX, AND XXXX maintained by Experian. 

Upon my review, I found that the creditor failed to comply with several provisions of TILA 15 USC XXXX ( b ) and the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXn ) regarding billing error corrections and reporting accuracy. These violations have caused unwarranted damage to my credit profile. 

XXXX. Creditor : XXXX XXXX  Account XXXX  : XXXX Issue : Reported as late : however, creditor did not provide a proper billing statement XXXX  days before the due date as required by TILA 15 USC XXXX ( b ) ( XXXX ). 
Dates : XXXX, XXXX, XXXX, XXXX ( XXXX ) XXXX. CREDITOR : XXXX  Account XXXX : XXXX Issue : A computation error or incorrect balance reporting, in violation of TILA 15 USC XXXX ( b ) ( XXXX ) XXXX. Creditor : XXXX Account XXXX XXXX XXXXXXXX Issue : Reported as late : however, creditor did not provide a proper billing statement XXXX days before the due date as required by TILA 15 USC XXXX ( b ) ( XXXX ). 
Dates : XXXX ( XXXX ), XXXX and XXXX ( XXXX ), XXXX and XXXX ( XXXX ) LEGAL BASIS FOR COMPLAINT : -Truth in lending ac ( TILA ) 15 USC XXXX ( b ) : ( XXXX ) Failure to reflect accurate payment by XXXX. 

( XXXX ) Computation or similar accounting errors on the billing statement. 

XXXXFair Credit Reporting Act ( FCRA ) - 15 U.S. CXXXXe XXXXn : Willful or negligent failure to correct inaccurate information, subjecting the institution to monetary, punitive damages, and attorney 's fees.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I just came across a credit inquiry from your company that I never authorized. Let me be absolutely clear : I did not give youor anyone acting on your behalfpermission to access my credit report, and I take this very seriously.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I XXXX XXXX XXXX applied for a Business Loan, under my business name XXXX XXXX XXXX application number XXXX, and was denied on XX/XX/year>. 
I applied for an auto loan on XX/XX/year> and got denied. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is securities fraud. Youre violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me my own credit, please retract my application. 
Facts : Banks are required by law to provide small businesses XXXX of funding without showing any documentation. All you need is an XXXX & XXXX XXXX. { XXXX XXXX. Section XXXX & 15 U.S.C. Section XXXX } 15 U. S. C. Section XXXX : Faults And Misleading Denial Of My Own Credit. 
You cant be denied credit due to credit score, credit history, or income. Any adverse action in a consumer credit transaction is illegal. 
{ 15 U.S.C. Section XXXX & XXXX XXXX XXXX } I am The Original Creditor : Pursuant To 15 U.S.C. Section XXXX. 
The entire consumer transaction is predicated on my unlimited credit. 
Thank you for your time in this very important matter. 

Reserve My Rights Without Recourse XXXX XXXXXXXX [ XXXX XXXX XXXX XXXX Attorney In Fact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
My brother XXXX XXXX passed away on XX/XX/XXXX. I received a letter from USAA but it was addressed to my mother who has already passed away on XX/XX/XXXX. I spoke with USAA to a guy in the XXXX department. Who told me I needed to send in my brothers death certificate to be discuss how much money was in his checking account. Now today XX/XX/XXXX, I spoke with XXXX USAA employees who were very rude and refused to discuss anything with me. The money would be sent to me the USAA representative told me in XX/XX/XXXX that once the death certificate was received. They would mail the check out to me since I was my mothers executor. 


Now I get told theyre is no money in my deceased brothers checking account. I dont appreciate being lied to saying the money would come to me. Because my brother had our mother listen on his bank account.

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 2025-05-07 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 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 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 2025-05-07 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: MI

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief