vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I've called Mohela at least once or twice a month from XXXX XXXX XXXX ( the date Mohela first sent correspondence that my loans were forgiven ) since my loans were forgiven to understand what to expect as far as the loan discharge process and what all was expected of me to ensure this process was clear and straight forward. 

Each time I contacted Mohela, I was given several different dates to expect a refund due to me and was even escalated to a " specialist '' department to help me resolve this issue which the specialist outright lied and told me that my account was placed into some sort of special hold and was skipped over for loan discharge processing. She further explained that this happened to several others and there is no estimated time for when mine nor other accounts would be " looped back to '' and processed. I was on hold a total of XXXX  hours and XXXX mins on Monday, XXXX XXXX XXXX, only to be passed that egregious bs and told there was nothing further that can be done. 

Frustrated, I called the Federal Student Aid office to ensure that funds were in fact sent to Mohela and that my loans had already been discharged XXXX XXXX XXXX.

I gave reasonable time and subsequently called Mohela back Monday, XXXX XXXX XXXXXX/XX/year> and was on hold for XXXX hours and XXXX mins after which I was able to speak with a representative named XXXX regarding the information that the Federal Student Aid office explained. XXXX did some digging on her behalf and explained that based on her notes I should receive a refund from the U.S. Dept of Treasury 90 business days from XXXX XXXX XXXX Excluding federal holidays and weekends this would put the refund roughly around Monday, XXXX XXXX XXXX 

I again gave reasonable time and called back on Wednesday, XXXX XXXX XXXX and was on hold for XXXX hours, XXXX mins, and XXXX seconds, for which I was told my account has been processed and that a refund request was sent to the U.S. Dept of Treasury for processing. I just called the U.S. Dept of Treasury this morning Wednesday, XXXX XXXX XXXX @ XXXX XXXX and the representative that I spoke with found no such refund nor mention of any transactions including my name/social/etc. in her system. I am now back on hold with Mohela as I type this and have been on hold XXXX minutes so far waiting on yet another " specialist '' escalation. 

This is silly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
I have a Business Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX. I have disputed account number XXXX on my Business Credit Report. I wanted to have it removed, because XXXX informed me that they dont report to the credit bureaus on a monthly basis. They only report if your account is closed and your are at default. Equifax responded and didnt remove this account. They told me to contact XXXX XXXX XXXX which I did before and after filing my complaint. Looks like poor investigation on behalf of Equifax. Account number XXXX should be removed from my Business Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These ongoing errors are taking a significant emotional and financial toll on me. In these challenging times, having these inaccuracies corrected or removed would provide much-needed relief and be deeply appreciated.

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 2025-05-28 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: CA

Complaint narrative:
Multiple companies have accessed my credit report without my authorization, resulting in negative effects on both my credit profile and credit score. I previously contacted the credit reporting agency regarding this issue, and a representative assured me that these unauthorized inquiries would be removed. Despite that assurance, they remain on my report. These potentially fraudulent inquiries are highly alarming and raise serious concerns about possible identity theft. This ongoing issue continues to cause me significant stress and is further undermining my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-05-28 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 do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Crypto transfer from Coin base was requested XXXX in amount of {$2000.00} XXXX made a similar transaction in seconds. 
Still have not received transfer from coin base. 

Called them XXXX, case # XXXX Made XXXX double photo identifications, they confirmed identity XXXX Chatted with them XXXX and XXXX Filed XXXX complaints XXXX, XXXX Logged on to account, with verifications, dozens of times. 
Spent hours trying to resolve this with no response from coinbase. 
Locked out of account and no transfer made. 
Any suggestions would be appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXXXX/XX/XXXX I vigorously fought to have informationremoved from my credit report because it was not mine. It was moverd from the 2 othe CRAs but Transunion failed to do so ... they are it in violation of The Fair Credit Reporting Act ( FCRA ). This act is a federal law that regulates the collection, use, and dissemination of consumer credit information. It was enacted to promote the accuracy, fairness, and privacy of information contained in consumer credit reports. The FCRA also limits who can access your credit report and for what purposes. 
Its this agency job To ensure consumers have access to accurate and fair credit information, and to protect consumers from unfair or inaccurate practices related to their credit reports. 
The FCRA applies to consumer reporting agencies ( CRAs ), which include entities that collect and sell credit information, such as major credit bureaus ( XXXX XX/XX/XXXXand TransUnion ) alone with that provide information about things like credit history, medical records, and check-writing history. 

My Rights Under this Act provides me with certain rights, including the right to : Request a copy of their credit report.

Dispute inaccurate information on their credit report.

Receive a free copy of their credit report from nationwide CRAs once a year.

Be notified if their credit report is used to deny them credit, insurance, or emploPayment.

Permissible Purposes for Accessing Credit Reports : Responsibilities of Credit Reporting Agencies ( CRAs ) : This agency is obligated to : Employ reasonable procedures to maintain the accuracy and confidentiality of consumer data. 
Thoroughly investigate disputes and rectify or remove inaccurate information Pls note attached

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 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has been trying get me to pay 2 different car insurance amount. I received a letter from XXXX stated that they not renew my auto policy ( Failure To Comply ). Spoke with representative on XX/XX/XXXX, they could not find notices in their system. Spoke with Investigation department, information pass on to me " I did comply but I let them finish investigation claim. I cancel my auto claim and fix damages myself. I cancel auto policy online XX/XX/XXXXXXXX XXXX XXXX XXXX Received letter stated I owed {$210.00}. I responded with new auto policy which was in place XX/XX/XXXX same time XXXX policy expired. Then I received another letter stating that I owe {$36.00} for coverage they provided to XX/XX/XXXX. My XXXX policy started XX/XX/XXXX. I gave a copy of my policy to the Underwriting Department. They responded with an email; agreed that my policy with them cancelled effective XX/XX/XXXX. XXXX continue to a bill for {$36.00} even after I showed them proof of insurance with XXXX. I responded with a letter stating I do not owe this bill. XX/XX/XXXX I received a letter from a Collection Agency for the amount of {$36.00}. I have not responded to letter. I am waiting on response for your Company. I thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Several fraudulent and inaccurate accounts are appearing on my XXXX XXXX XXXX  credit reports, despite being previously disputed and reported as identity theft with supporting documentation. These accounts were also reported to the FTC via identity theft affidavit, and per FCRA 605B, they should not be reported or reinserted.

The accounts in question include : XXXX XXXX XXXX XXXX {$12000.00} ( Opened XX/XX/XXXX ) LVNV Funding LLC {$870.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$2100.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$120.00} ( Opened XX/XX/XXXX ) XXXX XXXX {$160.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX Duplicate of XXXX ( Opened XX/XX/XXXX ) These entries were not authorized by me, were never validated properly, and are damaging my credit profile. I submitted disputes with each bureau and included identity theft affidavits and documentation showing these debts are fraudulent. Some accounts are even being reported twice under different names, violating FCRA 607 ( b ). Remarks such as dispute resolved by grantor are falsely closing these disputes without proper investigation.

These agencies are violating the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and FTC identity theft guidelines by continuing to report these accounts and failing to delete them after lawful disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Im filing this complaint because Capital One reported a 30-day delinquency on my account, cut my credit limit, and refused a goodwill adjustment, even after I explained that Ive had this account for 18 years without ever missing a single payment. 
I opened this credit card on XX/XX/year>, when it was originally issued by XXXX. The account was later acquired by Capital One. I have been in perfect standing for 18 years, never missing a single payment until now. The issue was due to a misunderstanding : I believed I had autopay enabled, and because I wasnt actively using the card, I wasnt alerted to a balance ; likely due to the annual fee. As soon as I realized the oversight, I paid it immediately. 
Despite this being my first and only mistake in 18 years, Capital One : Reported me as 30 days delinquent to the credit bureaus, harming my credit score significantly ; Reduced my credit limit ; Refused to consider a goodwill adjustment, despite my strong payment history. 
I called and explained the situation and asked only for a one-time courtesy given my perfect track record. I was flatly denied. I was called by the wrong name and the first two agents I spoke with hung up on me. One even argued that it wasnt Capital One that reported the delinquent account and said that I had no late payments. I decided not to call back. Very bad experience on the phone. There is no need to be so disrespectful. 
I was considering using Capital One for my next auto loan. I have opened up my teen daughter a checking account with them. I will definitely be closing that and taking her to a much better bank. I dont want her being treated this way. 
This feels incredibly unfair and disrespectful. Ive maintained this account longer than Capital One has even owned it. Their unwillingness to work with me after nearly two decades of loyalty is deeply disappointing. I am requesting that this late payment be removed as a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
SEE ATTACHED NOTES/ATTACHMENTS You are in violation of severe codes.

1. FCRA Inaccurate Reporting ( 15 U.S. Code 1681i ) Incorrect past due balances ( e.g., account was settled or paid, but balance remains reported ) .Reporting late payments or a balance after a repossession without clarification.Duplicate reporting across bureaus with inconsistent data ( e.g., differing balances : {$25000.00} vs {$25000.00} ) .Status as charged off but balance is still actively increasing or incorrect.

2. FCRA Re-Aging of Debt If the Start Date listed is XXXX/2025 but the Date Opened is 10/01/2021, that may suggest the debt is being re-aged restarting the statute of limitations, which is illegal under FCRA and FDCPA unless its a new debt.

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 2025-05-28 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-28 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-05-28 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: IN

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in XXXX XXXX, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ive been applying since XX/XX/XXXX for a modification from my mortgage company after being laid off XX/XX/XXXX. Up to this point I had never missed a payment and had actually made extra payments. My prior company XXXX said they were out of compliance for not submitting my application at all over an XXXX MONTH Period. Once my mortgage transferred to PHH in XX/XX/XXXX I immediately reached out to them about the modification. It took 60 days for my loan transfer. My application was denied due to the XXXX needed for a PHH loan in XX/XX/XXXX. I started a new job with a {$50000.00} salary increase. I reapplied as I had until XX/XX/XXXX to submit a new application. I started my new role XX/XX/XXXX and submitted a new application XX/XX/XXXX which included my offer letter and pay. PHH stated in XXXX that they never received the application. I had to have a representative review the email files XX/XX/XXXX to prove that I did send in an application and I had received a confirmation email. On several occasions PHH would say my application wasnt complete and ask for things that were already sent. In XXXX after repeatedly asking via email and via a representative for an escalation I finally spoke with a supervisor who advised me to stop sending in documents because my application was actually complete and it was delaying the review of my case. PHH has calculated my income at {$110000.00} annually which is incorrect as shown below in my offer letter. My base is higher plus I also receive stipends monthly. They insist my review was correct and I can not speak to an actual person who reviews my account. Ive asked also for a new relationship manager as mine screamed at me one day but Ive been refused. I believe this is in retaliation for reporting this issue to the XXXX. PHH has also had several class action lawsuits due to the handling and foreclosing of homes. I also was told via email by PHH I could submit an appeal but after I complained to the XXXX  I received an email from PHH stating I could not appeal the decision. I believe PHH is attempting to force me to file for XXXX  in order to save my home when I qualify for other options as I have a XXXX  home. PHH also neglected to put me in the waterfall for XXXX while it was an eligible program. They didnt even mention it until XX/XX/XXXX, right before the program ended.

Company response to consumer: Closed with explanation