vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: AZ

Complaint narrative:
CFPB Complaint Submission # XXXX - XX/XX/XXXX This is a follow-up to my previous CFPB complaints regarding Mohela and the Department of Education 's handling of my PSLF-eligible loans . As of XX/XX/XXXX, the Federal Student Aid ( FSA ) portal has updated my Public Service Loan Forgiveness ( PSLF ) history to reflect XXXX qualifying payments. This confirms that I have met all employment certification requirements through XX/XX/XXXX. However, PSLF credit is now paused beginning XX/XX/XXXX due to an " Ineligible - Forbearance on Due Date '' status. The reason listed is that only select forbearance types ( e.g., national service, DoD repayment, or limited administrative forbearance ) are considered PSLF-eligible. My current forbearance-initiated during the SAVE plan litigation-is not included. I did not request this forbearance. I was already enrolled in the SAVE plan and submitted my IDR recertification in XX/XX/XXXX. When I attempted to resume payments, I was told the system had placed me in forbearance due to federal litigation and that no payments could be accepted under SAVE. This has now resulted in a loss of PSLF credit due to a servicer-initiated policy, not borrower inaction.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have auto-pay set on my account. It takes the prior statement balance, and pays it in full over two equal payments. I made a payment on XXXX. It cleared, which I verified with my checking account bank. I have chatted with Citi Bank on multiple occasions and was told there is a hold on my account, and either they don't know why the hold is there, that the hold is to verify payment, that the hold would clear on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. 

I have worked with ACH payments in the past as an operator, and it takes 2-3 business days tops for a payment to clear. I have had multiple phone calls, chats, etc. and am being told that they can't do anything about. They effectively took my more than $ XXXX payment, and then froze my credit card for weeks and won't fix it. They have told me this omnipotent system just places holds and they can ; t do anything about it - that is definitely inaccurate.

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 2025-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TN

Complaint narrative:
i have discovered accounts on my credit profile that does not belong to me i am a victim of identity theft and my identity has been exposed on numerous data breaches. i have contacted the company sending them a cease and desist and the company is still refusing to honor that. 
XXXX accounts have been added from National recovery agency from XXXX XXXX XXXX XXXX on XX/XX/year> XXXX amounts for {$1100.00}, {$780.00}, and {$1500.00}. I have never done business or received service from this company neither do i have any contractual agreements with this company in the past or the future. This is a violation of my rights and this information need to be resolved and the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : 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 2025-07-12 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Credit Bureau Name Equifax and Transunion RE : Request for Removal of Obsolete Information To Whom It May Concern : This letter serves as formal notice that your credit bureau is currently reporting outdated negative information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ). 
The account in question : Creditor/Collection Agency : XXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Creditor/Collection Agency : XXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX According to 15 U.S.C. 1681c ( a ) ( 4 ) and ( a ) ( 5 ) : " No consumer reporting agency may make any consumer report containing ... accounts placed for collection or charged to profit and loss which antedate the report by more than seven years '' and " no consumer reporting agency may make any consumer report containing ... any other adverse item of information ... which antedates the report by more than seven years. '' Additionally, bankruptcies beyond 10 years ( 15 U.S.C. 1681c ( a ) ( 1 ) ) and certain criminal records may have different time limits, but this account exceeds the legally permissible reporting period for negative information. 
Relevant Legal Precedent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A credit bureau 's failure to comply with FCRA reporting limits may give rise to liability for damages. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The FCRAs intent is to ensure fair and accurate credit reporting and prevent harm from outdated negative reporting. 
My Formal Demand I hereby demand : Immediate deletion of this obsolete information from my credit file. 
Written confirmation within 15 business days that this item has been deleted.

Should you fail to comply, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and I will consider pursuing legal action under 15 U.S.C. 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ), seeking actual damages, statutory damages, attorneys fees, and court costs. 
I look forward to your prompt resolution of this matter. 
Sincerely, 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 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute and debt validation request to Monarch Recovery XXXX regarding an alleged XXXX XXXX credit card account. I requested legally required documentation, including the original signed agreement, proof of assignment, account history, and verification that Monarch had the legal right to collect this debt.

Monarch never responded to my letter and provided none of the requested documentation. Their failure to validate the debt before continuing collection violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 1692f.

To make matters worse, a different companyXXXX  XXXX XXXX now also attempting to collect on the same alleged debt. This suggests that Monarch never had legal ownership or authority to collect in the first place. It is not legally possible for XXXX separate third-party collectors to simultaneously claim rights to the same account. 

Monarchs silence, combined with the conflicting collection activity, raises serious concerns about improper or unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I purchased a property and had taxes and insurance escrowed. I have no idea passed that point. Title Company said they sent the payment, Insurance Company said they didn't receive. Payment was made from me to title company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Dear Credence Resource Managment : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account.

Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( d ) : Harassment or abuse in connection with debt collection. XXXX XXXXXXXX : Use of false, deceptive, or misleading representations. XXXX XXXXXXXX ( b ) : Failure to properly disclose my rights. XXXX  XXXX : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
FDCPA Violation No Validation Notice Issue : The debt collector failed to provide a written validation notice within five days of initial contact as required under the FDCPA. 

Complaint Details : > I am filing this complaint because a debt collector contacted me regarding an alleged debt, but failed to provide a written validation notice within five ( 5 ) days of the initial communication, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

According to the FDCPA, a debt collector must send a written notice containing the amount of the debt, the name of the creditor, and my rights to dispute or request validation within five days of the initial communication. I never received such a notice.

As a result of this violation, I was not informed of my rights to dispute or validate the debt, and I believe this debt should not be reported or collected until proper notice is provided.

I am requesting that the CFPB investigate this violation, and I ask that the collection agency be required to cease all collection activities and remove any negative reporting from my credit file until they comply with federal law.

Desired Resolution : The collection account should be removed from all credit reports.

The debt collector must cease all collection efforts until a proper validation notice is issued.

Enforcement action to ensure compliance with FDCPA regulations.

Additional information Collection agency- LVNV Funding LLC Original creditor of acount- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I found inquiries on my credit report that are not mine.

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 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
I have had this loan for 2 years and it's been a headache as no one speaks English and when they do it is so bad to the point where they are giving me the wrong payment amounts. This has become a big problem and has costed me over XXXX points off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have a negative collection listed on my Transunion credit report. The collections is a fraudulent account and has been removed before and verified as fraudulent. This fraudulent account has hurt my ability to obtained credit. I have been a victim of identity theft. below I have submitted the proof of the account being verified as fraudulent and being removed from all other credit profiles. please remove this negative collection as I have been victim 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 non-monetary relief
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
For the past 6 and a half years going on 7 years I've been trying to get this information that's reporting on my credit report corrected from XXXX XXXX XXXX they're reporting a balance on at least vehicle I no longer have and I don't owe any money the vehicle was returned back with XXXX balance with no crashes no scratches no accidents on the vehicle itself. This credit account has been reporting on my credit report for 6 and a 1/2 years negative and it's supposed to be removed off XXXX of 2025 of this year. Every time I call a speak to a representative in the credit department or customer service they are so rude obnoxious and don't wan na help no one period I've been asking for the 6 and a 1/2 years to remove this negative account that's reporting on my credit report with a balance this vehicle has no balance

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
For the past 6 and a half years going on 7 years I've been trying to get this information that's reporting on my credit report corrected from infinity financial services they're reporting a balance on at least vehicle I no longer have and I don't owe any money the vehicle was returned back with XXXX balance with no crashes no scratches no accidents on the vehicle itself. This credit account has been reporting on my credit report for 6 and a 1/2 years negative and it's supposed to be removed off XXXX of 2025 of this year. Every time I call a speak to a representative in the credit department or customer service they are so rude obnoxious and don't wan na help no one period I've been asking for the 6 and a 1/2 years to remove this negative account that's reporting on my credit report with a balance this vehicle has no balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX In XX/XX/year>, Chime Financial closed my account without consent and for no reasons to my knowledge. I requested numerous times to release my funds that were in my account either by check or reopen my account so I could access my funds. I had funds that were direct deposit from my employer as well as my IRS refund that was also direct deposit to my account. The amount from IRS was {$68000.00} and from my employer, I had a balance in my account of {$170.00} before the IRS deposit. They closed my account and kept ALL my money as well. When I call The IRS about it they said the refund was direct deposited in my bank account which was Chime Financial. To this day I have not received my funds they took away from me and didn't even return the funds to the depositor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/year> I went to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect a prize from an ad they ran. While there they collected my information to confirm my winning and then tried to pressure me into buying a car. I refused adamantly, and then was asked if I would like to prequalify to know what payments I could get so I could speak with my fianc. It was my understanding that it would be one soft credit pull, and then I received XXXX hard credit pulls from different agencies. XXXX XXXX, JPMCB Auto, XXXX  XXXX, and XXXX XXXX. I did not submit or authorize these hard credit pulls. I was asked if I wanted to do a hard pull and I refused stating that Id rather not until I was ready to purchase a vehicle as Im currently trying to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX XXXX, XXXX and XXXX in XXXX Oklahoma to collect a prize from an ad they ran. While there they collected my information to confirm my winning and then tried to pressure me into buying a car. I refused adamantly, and then was asked if I would like to prequalify to know what payments I could get so I could speak with my fianc. It was my understanding that it would be one soft credit pull, and then I received 4 hard credit pulls from different agencies. XXXX XXXX XXXX XXXX Regional AC, and XXXX XXXX. I did not submit or authorize these hard credit pulls. I was asked if I wanted to do a hard pull and I refused stating that Id rather not until I was ready to purchase a vehicle as Im currently trying to repair my credit.

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 2025-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation