vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) [ Submitted via : www.consumerfinance.gov/complaint/ ] Subject : Complaint Against MOHELA Auto Pay Enrollment Failure, Improper Interest Charges, Improper Credit Reporting, and Deceptive Practices for Account number XXXX Dear CFPB, I am submitting this complaint regarding serious misconduct by my student loan servicer, MOHELA ( Missouri Higher Education Loan Authority ) for account number XXXX I have made multiple documented attempts to enroll in MOHELAs auto pay program. Despite these efforts, which I can prove through attached email correspondence, MOHELA failed to enroll me. Instead of addressing or acknowledging the issue, they did not take a payment out automatically, inappropriately placed my loans into forbearance, during which time they continued to charge interest and report such matters to the credit agencies.

I was never notified that there was a problem with my auto pay enrollment. Nor did I receive a valid explanation for the forbearance placement or the resulting charges. This failure has caused me financial harm and may have affected my credit standing.

I believe MOHELAs conduct constitutes : Breach of Contract Based on my confirmed attempts to enroll in auto pay and their failure to follow through.

Deceptive or Unfair Business Practices Misrepresenting the auto pay program or failing to process legitimate enrollment attempts is misleading to borrowers.

Negligence Their inaction and mismanagement have caused avoidable financial damage.

I am requesting the CFPB investigate this matter and ensure that MOHELA : Provides a full explanation of why my auto pay enrollment was not processed. 

Retroactively corrects my loan status with all credit bureaus and removes all interest improperly charged.

Verifies that I am now enrolled in auto pay.

Prevents this issue from impacting other borrowers.

I am attaching evidence of my attempted communications with MOHELA and am available to provide further documentation if needed. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used XXXX XXXX to pay part of the cost of HVAC repair at my house. The service provider ( " XXXX Champions '' ) as well as the loan provider ( " XXXX XXXX '' ) assured me this would be interest free financing for the loan amount, as long as I make the monthly payments on time. I made every payment ahead of the due date, without exception. Today I open my bill and I see they started charging me predatory interest rate of 17.99 % (! ) plus retroactively all the interest for the entire loan period. 

When I called to XXXX XXXX to understand what is happening, the support agent first told me that the interest I saw was only projected, since all my payments were paid on time. Only after I asked for more clarification why I see an interest fee charge on my bill, she explained that she was wrong, and since I didn't clear the whole loan in 18 months, I will now pay all interest, past and future until the loan is cleared for XXXX more months. 

I made the payments the loan provider said would be required and on time. The structure of the loan and the confusing conditions made it unclear that the minimum amount they stated wasn't in fact sufficient, and was used in place to cause me to break the loan promotion conditions. This is predatory and misleading. I wouldn't ever consider taking a loan with XXXX XXXX  (!!! ). I had the funds to pay for the service, and was advised that this would be an interest free loan, which is the only reason I agreed to it. 

The agent of Service Champions guaranteed that this would be an interest free loan, as long as we made the payments on time and that the XXXX XXXX isn't relevant. They signed me on a separate promotion offer that was contingent on me agreeing to sign the original contract. Page XXXX in the loan agreement ( attached ) stated clearly that as long as I abided by the loan agreement, no interest would be charges. That is what the agent pointed to to make sure I sign the contract and not worry about the extremely high interest rate. 

The minimum payments that should have been displayed and requested should have been {$490.00}, to reflect XXXX months to repay the principal, and not {$220.00}, that would repay the loan in XXXX  days and would make be ineligible for the promotion. This was structured intentionally to trap folks to agree to the terms of a loan no one would sign with full information and transparency.

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 2025-06-01 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: GA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I made a {$150000.00} payment to recast my mortgage the mortgage company records show that the money was credited to my account on XX/XX/year> but the company is stating that as of XX/XX/year> my balance was the old amount, prior to the {$150000.00} recast payment. they are requiring me to sign a recast document that includes this incorrect information and they are making me make payments based on the old balance + interest for XXXX and XXXX. 
I have made numerous phone calls, have spoken to people in the escalation department but no one is resolving this problem and they keep telling me they are working on it and sending it to the legal department but that I can't communicate directly with that department. 
I am afraid to not sign the document because that will further delay the recast process and I am afraid to not make the payments because I will show as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries were made on XX/XX/year> by companies that I have not had any contact or initiated any credit applications with. Also a current balance of {$830.00} from collections I did not give my consent for these credit checks. As a result, my credit score has been negatively impacted. I am concerned these may be fraudulent or unauthorized actions taken without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A fraudulent collection from XXXX XXXX XXXX opened on XX/XX/XXXX for {$930.00}, a fraudulent collection account from XXXX XXXX XXXX opened XX/XX/XXXX for {$4100.00}, a fraudulent account from XXXX XXXX opened XX/XX/XXXX, a fraudulent XXXX XXXX XXXX XXXX account opened in XXXX for XXXX, a XXXX  XXXX XXXX  for {$3200.00}, A XXXX XXXX XXXX loan for XXXX, a XXXX XXXX for {$3500.00}, A XXXX XXXX credit card for {$8900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
A fraudulent collection from XXXX XXXX XXXX opened on XX/XX/XXXX for {$930.00}, a fraudulent collection account from XXXX XXXX XXXX opened XX/XX/XXXX for {$4100.00}, a fraudulent account from XXXX XXXX opened XX/XX/XXXX, a fraudulent XXXX XXXX XXXX XXXX account opened in XXXX for XXXX, a XXXX  XXXX XXXX  for {$3200.00}, A XXXX XXXX XXXX loan for XXXX, a XXXX XXXX for {$3500.00}, A XXXX XXXX credit card for {$8900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXX for its continued attempts to collect a debt that is legally time-barred under Tennessee law XXXX 
According to Tennessee XXXX XXXX XXXX, creditors and collection agencies are generally restricted from filing lawsuits to recover debts that are more than XXXX ( XXXX ) years old. Despite this, XXXX XXXX has continued to pursue collection efforts on a debt that is well beyond this statute of limitations. 
I believe this behavior is not only unethical but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of unfair or deceptive practices in the collection of consumer debts. By attempting to collect a time-barred debt, XXXX XXXX is misleading and harassing me and causing unnecessary stress and concern.

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 2025-05-31 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: TN

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXX for its continued attempts to collect a debt that is legally time-barred under Tennessee law XXXX 
According to Tennessee XXXX XXXX XXXX, creditors and collection agencies are generally restricted from filing lawsuits to recover debts that are more than XXXX ( XXXX ) years old. Despite this, XXXX XXXX has continued to pursue collection efforts on a debt that is well beyond this statute of limitations. 
I believe this behavior is not only unethical but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of unfair or deceptive practices in the collection of consumer debts. By attempting to collect a time-barred debt, XXXX XXXX is misleading and XXXX me and causing unnecessary XXXX and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TN

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXX for its continued attempts to collect a debt that is legally time-barred under Tennessee law XXXX 
According to Tennessee XXXX XXXX XXXX, creditors and collection agencies are generally restricted from filing lawsuits to recover debts that are more than XXXX ( XXXX ) years old. Despite this, XXXX XXXX has continued to pursue collection efforts on a debt that is well beyond this statute of limitations. 
I believe this behavior is not only unethical but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of unfair or deceptive practices in the collection of consumer debts. By attempting to collect a time-barred debt, XXXX XXXX is misleading and XXXX me and causing unnecessary XXXX and concern.

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 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA 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 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

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 2025-05-31 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: TX

Complaint narrative:
My name is XXXX XXXX. Last four of my SSN is XXXX and I have been trying to get my credit reports cleared and my good name restored from the fraudulent account that was placed on my reports over 3 years ago. The account that I have been trying to get taken off is a collection account from XXXX XXXX XXXX XXXX. It was opened on XX/XX/year>. They are reporting an outstanding balance of {$600.00}. I have taken every measure that the bureaus have instructed me to get this removed immediately and the account has still remained on my credit reports with no legal justification given to me and according to tmy rights under the FCRA the account should be removed and blocked from ever reporting on my credit again. I have sent my FTC Report Number XXXX as well as a copy of my Driver 's license to confirm my identity and the bureaus have just sent me stall letters requesting the same documents I know I already sent. I need this matter resolved quickly as I am waiting on this item to be removed in order for me to proceed with using my credit to purchase my first house. Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: NC

Complaint narrative:
I did not apply for credit from this company or receive any kind of compensation from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, I received a letter from Credit Collection Services stating that I owe {$1100.00} for services from XXXX XXXX. 

This is incorrect I had lab tests done at XXXX XXXX and paid {$250.00} in full at the time of service on XXXX XXXX, 2025. I have attached proof of payment. 

I was never informed of any additional charges, and this debt was never communicated to me by XXXX. I believe this debt is an error and request that collection activity be stopped and the account corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I had a charged-off account with XXXX XXXX which I settled and paid in full. Despite being paid, XXXX continues to report the account negatively on my credit reports. Ive contacted XXXX multiple times requesting a goodwill deletion, which is fully legal and allowed under the Fair Credit Reporting Act ( FCRA ). 



However, XXXX has repeatedly stated that they do not delete accounts from credit reports, which is misleading. While the FCRA allows creditors to report for up to seven years, it does not prohibit them from voluntarily removing the account, especially once it has been resolved.

This continued reporting is damaging my ability to qualify for credit, housing, and other essential financial services. I am an XXXX XXXX MEMBER working to rebuild my credit after resolving all outstanding debts, and Verizons refusal to delete the accountdespite it being paidis unfair and unnecessarily punitive.

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 2025-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries. I've found due to identity theft. I also attached my identity theft report as well. 

XXXX XX/XX/XXXX XXXX XXXX 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 2025-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally request the immediate removal of inaccurate and fraudulent information from my credit file due to the Equifax data breach, which exposed my personal information, including my Social Security number, drivers license number, and other sensitive details. As a result of this breach, referenced under XXXX, I have been a victim of identity theft. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, credit reporting agencies are required to block and remove fraudulent information from a consumers credit report within four business days of receiving notice of identity theft, along with proper documentation. This federal law ensures that victims of identity theft are not further harmed by fraudulent activity appearing on their credit reports. 

I demand that the following fraudulent and inaccurate information be removed from my credit file immediately : See FTC Report I have included the following documents to support my request : A copy of my government-issued ID. 
Proof of my address. 
A copy of the breach reference number XXXX confirming the compromise of my personal information. 
Any additional documentation is required under the FCRA. 
I expect confirmation in writing that the fraudulent information has been removed from my credit file within the legally mandated timeframe of four business days. If further information is required, please contact me at the address, email, or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : XXXX XXXX Opened on XX/XX/XXXX Balance : {$230.00} XXXX XXXX Opened on XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX Opened on XX/XX/XXXX I have never done business with these companies. These accounts were not opened by me and are the result of identity theft.

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