vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I have direct federal student loans that I took out for XXXX  school. My loans were previously serviced by XXXX XXXX, but then my loan servicer transitioned to Mohela. I am currently in pursuit of Public Service Loan Forgiveness. Mohela has now twice interfered with this process by placing my account on forbearance - and not allowing me to submit payments. My account is on auto-debit, so the issues have been on the servicer end and not on mine ( the borrower ). The first instance was when my account was placed on mandatory administrative forbearance for the term of XXXX and XXXX of XXXX. This most recent forbearance goes into effect for the month of XX/XX/XXXX for an unknown period of time ( reportedly 60 days per the email they sent ). The reasoning is because my IDR ( income driven repayment ) form was pending- and forms that are pending can not be processed per a court injunction currently in place. I submitted the form in XXXX of XXXX. The fact that it is still pending, is unacceptable. When I submitted it, there were no issues. My current repayment plan is NOT the SAVE plan, which has been the source of a lot of debate and confusion. I have remained in the same plan since I started repaying my loans 10 years ago. In addition, I received another notice from Mohela that certification for IDR plans has been extended to XXXX. For this reason, why does my account need to be in forbearance? I am confused. If deadlines for recertifying have been extended, then there is no reason for my account to be on hold. 
There is a process by which I can submit a reconsideration request to Federal Student Aid to contest these times of forbearance so that they are counted towards my required 120 payments. This process also has its flaws, as it is painfully slow and delayed. I submitted one of these requests to include the period of XXXX XXXX in XX/XX/XXXX, and it is still under review almost 5 months later. 
For this reason, any disruptions in my account are very costly and add to the huge, not only financial burden, but the emotional and logistical burden of having to deal with this. Stakes are high, and the customer service is not accessible - specifically with Mohela. When I call to inquire about these things, the wait times are 2-3 hours. In addition, there is a week or more delay in email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-01 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
On XX/XX/XXXX, I received medical services, which later resulted in a collection account from Amerifinancial Solutions. They reported this debt to the credit bureaus on XX/XX/XXXX. 

I requested debt validation, and Amerifinancial Solutions provided the requested documents. However, I believe this debt was reported unfairly and may not comply with medical debt reporting guidelines or Florida consumer protection laws. I was not properly notified before it was sent to collections, and I want proof that I was given a chance to resolve it before it impacted my credit. 

I am requesting that this debt be removed or corrected if it was reported improperly. If Amerifinancial Solutions can not prove compliance with proper reporting laws, I ask for this account to be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : XXXX  - Account # : XXXX XXXX XXXX XXXX XXXXXXXX  - Balance : {$420.00} - Account # : XXXX XXXX - Balance : {$280.00} - Account # : XXXX XXXX XXXX XXXX 
- Balance : XXXX XXXX Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-01 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A {$1000.00} AMEX gift card was given to me by a vendor for XXXX. I activated the card through XXXX XXXX XXXXamexgiftcard.com/ on XX/XX/year> around XXXX via my XXXX ( traceable by IP address ) on our way to a XXXX dinner reservation we intended to use the gift card for. When paying for the card around XXXX, it declined. I immediately checked the balance via XXXXamexgiftcard.com and there was a transaction around XXXX at a XXXX XXXX location in New Hampshire for exactly {$1000.00}, but we reside in XXXX XXXX XXXX. I called the number on the back of the card immediately ( XXXX ) and they promised to put the transaction on hold until further investigation. Yet they cleared it after 2 days. I've made 4 different calls to the same number demanding a resolution and was told every time I have to wait 45-90 days for a verdict. They have failed to block the fraudulent transaction, and today I received their verdict where they declined my dispute with no explanation given. 

American Express and XXXX Incentives have made no effort to rectify the situation. I do not understand what type of " investigation '' they completed as I have all the evidence and a simple IP address trace can prove I can't physically be in two faraway states within less than 2 hours. I also told them I have the physical card and I'm happy to provide any proof they made need. They never contacted me for any and simply denied my dispute with no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
They have repeatedly shown up at my residence after being asked to leave. XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. They have tried to stop me from leaving my home, have followed me to my XXXX  car demanding to know who I am, were caught taking pictures of my residence and of myself after being asked to leave me alone multiple times and to leave my residence. On XX/XX/year>, I came home from work and paperwork that had my personal information was taped to my door, for the public to see. On XX/XX/XXXX, I was leaving my residence, and a gentleman wearing a construction vest, never stated who he was, started yelling at me if I was so and so and demanded to know my name as he followed me to my XXXX  car. He continued to try to stop me after repeatedly telling him to stop following me, leave me alone, and I dont need to talk to him, to which he continued taking pictures of myself and my residence. I was taking an XXXX  that day, and once I made it inside the vehicle is when the man started taking pictures of my residence after being asked to leave. My driver was extremely concerned for my safety and asked if he was harassing me. I ended up coming back home during my lunch break to make sure my home and the pet I own was ok, and noticed that things that are outside my garden window had been moved. I m unsure if he entered my property but he was still standing outside my residence as my XXXX  left. I suffer from XXXX  XXXX XXXX XXXX, along with being being in the process of being checked for XXXX, and the ongoing harassment from them has caused me to become extremely ill on top of my ongoing XXXX  issues I already have and if I lose anymore weight XXXX XXXX XXXX XXXXXXXX. The same gentleman showed up today while I was laying in bed and my partner was taking care of me. My partner asked who he was, refused to say, and asked if so and so lived here. My partner told him to get off the property to which he didnt and tried arguing with my partner and lied to him saying this was his first time being at our residence, to which my partner told him he was lying and was described on Thursday XX/XX/year>. The man finally left after repeatedly trying yo argue with my partner and refusing to leave, to which my partner started to grow upset. I have never signed anything with this company, I dont even know who LVNV Funding LLC is. The debt theyre harassing me debt that isnt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Last Month my Home Depot statement balance was {$1100.00} Statement ending date XXXX payment due XX/XX/XXXX That balance was the balances owed on four different charges under a XXXX percent interest special and listed below which totaled {$1100.00} {$93.00} {$550.00} {$390.00} {$99.00} I paid the {$1100.00}, why would one of the promo balances show a balance on next statement which I just got on XX/XX/XXXX? 

Last month I paid two payments before due date totally {$1100.00}. Payment # XXXX {$800.00} on XX/XX/XXXX, Payment # XXXX {$340.00} on XX/XX/XXXX Today XX/XX/XXXX I received my statement ending XX/XX/XXXX with payment due date XX/XX/XXXX Home Depot credit card services took my payment in full of XXXX for statement XXXX and due XX/XX/XXXX used {$82.00} of it to pay towards statement closing XX/XX/XXXX and not yet due at the time I made those payments til XX/XX/XXXX, instead of the current due and payable statement ( XXXX due XXXX. 

Instead of using my payment made in full to pay off balance of {$1100.00}, they are running a " balance '' on my promotional charges. EVEN though they received the FULL payment to pay off those balances in full. 

If a lawyer is reading this, feel free to contact me. I would be happy to explain further and I did my best to explain it. XXXX I have never had a credit card company allocate due and payable full payment to use part of it towards the next months statement charged not actually due yet. As you can see the credit company is playing a fraudulent unreasonable dishonest payment game in hopes, I do not pay off promo charges ( even though I have!! ) in time so they can charge me all the interest. I PAID OFF ALL MY PROMO charges last month. They are trying to make me carry a balance. Some one tell me, how one carries a balance? IF the TOTAL BALANCE DUE AMOUNT WAS PAID OFF IN FULL. 

I spoke with 3 Home depot credit card services reps and all understood the issue and all they said was " I understand, But this is how we do it. '' I asked what kind of account is that? When you are telling me that, the monies due for current statement, you are deciding to allocate towards next months statement that has not even closed yet nor the current statement due? None could give reasonable answer.

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 2025-04-01 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against [ Credit Bureau Name ] for failing to properly investigate and correct inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Background of the Dispute On [ Date of Initial Dispute ], I submitted a dispute to [ Credit Bureau Name ] regarding multiple closed accounts that were inaccurately reported as Charge Off or Collection despite being fully paid. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau was required to conduct a reasonable reinvestigation within 30 days. However, they have failed to correct or properly update the information despite providing supporting documentation.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) The credit bureau is legally obligated to investigate disputes and correct or delete any inaccurate, incomplete, or unverifiable information.

2. Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must ensure that consumer reports are accurate. Continuing to report paid accounts as charge-offs or collections violates this standard.

3. Failure to Update and Correct Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) Data furnishers ( creditors/collection agencies ) must update accounts to reflect accurate statuses. If the credit bureau failed to request verification from the data furnisher, they are in violation of this requirement.

Requested Resolution I request the CFPB to take immediate action against Equifax and transunion and ensure compliance with the FCRA. Specifically, I am seeking : The immediate correction or deletion of the inaccurate accounts.

A written explanation from the credit bureau detailing why they have failed to properly investigate and correct my dispute. 
CFPB oversight and enforcement to prevent further violations affecting other consumers. 

I have attached copies of my original dispute letter, credit report, and any responses received from the credit bureau. If this issue is not resolved promptly, I will consider further legal action for willful non-compliance with federal law. 

Thank you for your time and attention to this matter. I look forward to your response and a fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation