vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: QC HOLDINGS INC
State: TN

Complaint narrative:
I didn't get loan for them I from another loan company XXXX XXXX XXXX they bought them out lend nation did

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 2025-07-10 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: CT

Complaint narrative:
I am currently enrolled in the SAVE income-driven repayment plan and have been in forbearance with 0 % interest since the SAVE injunction began. Despite this, my student loan balance has been increasing incorrectly since at least XX/XX/XXXX. 

On XX/XX/XXXX, my loan balance was {$130000.00}. By XX/XX/XXXX, it had risen to {$140000.00}, and by XX/XX/XXXX, it increased again to {$140000.00}. A XX/XX/XXXX, Mohela statement shows {$10000.00} in unpaid accrued interest despite my 0 % interest forbearance status. Additionally, individual loan sequences reflect unexplained increases in principalfor example, Loan XXXX increased by roughly {$3000.00} and Loan XXXX by about {$100.00} between XX/XX/XXXX and XX/XX/XXXX. After most recents payments made in XX/XX/XXXX, Mohela statements in XX/XX/XXXX show my balance was lowered to {$130000.00} by said payments. 

My official loan balance on StudentAid.gov as of XX/XX/XXXX, is $ XXXXdifferent from the total shown by Mohela . Both are incorrect and do not reflect the fact that I made timely payments during forbearance and should not have accrued interest or experienced principal increases. 

I contacted Mohela several times by phone from XXXX through XX/XX/XXXX. I was told each time that I was on the correct plan and that my interest rate was set to 0 %, but no one could explain the growing balance. When I asked for this confirmation in writing and a timeline for resolving the issue, I was told this could not be provided. 

I have spent hours on hold, being transferred between departments, and repeating my concerns with no resolution. This ongoing issue has caused me significant emotional stress and XXXX, especially as I have worked hard to manage my loans responsibly. The time Ive spent trying to get clear answers has taken away from my personal life and career. I am also deeply concerned about the financial harm from inaccurate credit reporting, particularly as I may pursue a home or car loan in the near future. 

I have documented all of this with Mohela statements, screenshots of my federal loan summary, and bank statements showing student loan payments made during forbearance. My credit report now also reflects the inflated balances, which is damaging to my financial standing. 

I have attempted in good faith to get clarification and resolution from Mohela with no success. I am requesting full correction of the errors, removal of any improperly accrued interest and principal increases, and accurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report Immediately.The Fraudulent accounts are 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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: MN

Complaint narrative:
I submitted several months ago information proving that I now have to care for XXXX XXXX XXXX, and my husband has become 100 % XXXX. I was told by all collection accounts that the debts would be forgiven and that I could receive a 1099C income tax adjustment as applied income. Accordingly, I request that this debt be forgiven and that the balance be deleted from all pertinent credit reporting agencies, and/or transferred to a third-party debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was scammed out of {$1000.00} ( {$100.00}, {$400.00}, and {$500.00} ) and when I reported it to Citibank, they gave me the run around. They closed my account and sent me checks with different amounts. When I tried to contact them, they refused to answer my calls or said someone would call me back and nothing. When I finally did get in contact with them through email, they sent me a check for {$0.00}. The fraudulent charges happened back in XXXX, and I don't have any records on me so I can't give a specific date. I am hoping you are able to help me. Please

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 monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-07-10 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: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
This is an update to my previous complaints, complaint numbers XXXX and XXXX. 

I want to clarify that I never received any XXXX letter or debt validation from Hayt, Hayt & Landau , LLC regarding the alleged XXXX  XXXX debt. Despite my written request for validation, no proof of the debt was provided.

Hayt, Hayt & Landau , LLC responded to the complaint saying they would review it for 60 days ; however, this appears to be a stall tactic since they have already initiated a lawsuit against me without providing any validation. 

This failure to validate the debt violates the Fair Debt Collection Practices Act ( FDCPA ). 

Please take this update into consideration when reviewing my case. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear Mr. Cooper Team, Im reaching out to bring your attention to a serious servicing mistake on my loan that urgently needs correction. 
My name is XXXX XXXX, and I have a complete loss mitigation application currently under review with your office. Ive made every effort to follow the proper steps and am fully committed to resolving this matter in good faith. 
Yet, despite this, a foreclosure sale on my home has been scheduled for XX/XX/year>. I asked your attorney, XXXX XXXX, to cancel the sale due to the active application. She stated that Mr. Cooper refused. 
This creates a harmful situation. Moving forward with a foreclosure sale while my application is still pending is considered dual tracking a practice that violates 12 C.F.R. 1024.41 ( g ). It's confusing, its stressful, and most importantly, it denies me a fair chance to save my home through the available resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-07-10 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Hello, good evening, I contacted you directly because on many occasions I was calling that bank to pay the card that they gave me a solution. Since your Fee and interests are extremely high. As soon as they gave me the card they took {$90.00} and something when the balance of it was {$300.00}, I was paying as much as I could but the debt never went down. I called to appeal and they never looked for a solution and now they are telling me that the debt was sold to another company. And they are using a social number that is not mine and they are reporting on my credit and it is affecting my credit a lot. When I have a fraud alert because they used my social number. I appreciate a solution since they are counting too much when the money I use has already been paid and they continue to charge me Fees and interest is extremely high.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This submission is a continuation of my original complaint ( # XXXX ). I am providing additional details that were requested by the bank, which could not be included in the initial claim due to limited input fields. Please consider this information as part of the same case, not a new or unrelated issue. 


To Whom It May Concern, I received two phone calls from a Bank of America representative on XX/XX/year>, regarding a disputed transaction. I was told that I had received text messages from the merchant on XX/XX/XXXX and XX/XX/XXXX, asking me to confirm the transaction by replying OK. I was advised to contact my phone carrier to prove that I did not respond to those messages. 

However, during the second call, the same representative stated that the merchant shares the same last name as my wife and that the transaction was processed through the Bank of America app implying that either I or my wife could have approved it. Additionally, the representative noted that a transfer occurred between my savings and checking accounts on the same day as the disputed transaction and cited this as further evidence that one of us approved it. I find this assumption concerning, as an internal transfer does not prove authorization of an external transaction. 

To add to the confusion, the representative also appeared unsure of the timeline first mentioning XX/XX/XXXX, then correcting herself to XX/XX/XXXX which I found inconsistent and unprofessional. 

If needed, I am willing to work with my phone carrier to obtain the appropriate documentation and will follow up accordingly. 

Please confirm receipt of this message and advise of any next steps on my end.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hello, Im writing to report a serious issue regarding a transaction I made through Cash App that resulted in me being scammed. I attempted to purchase a vape from a user with the Cash App tag XXXX XXXXXXXX, who claimed they would send the product after payment. After I sent the money, they completely stopped communicating and never followed through with the delivery, clearly indicating this was a scam. I submitted a report directly to Cash App through their support system, but unfortunately, I have not received any response or follow-up regarding the matter. As a user who trusted the platform to handle transactions securely, this experience has been extremely frustrating and disappointing. My Cash App tag is $ XXXX, and Im respectfully requesting that you alert Cash App about this situation so that proper action can be taken and I can be refunded the amount I lost. I would appreciate any help in resolving this matter and preventing others from falling victim to the same scammer. 

I sent the money at today XXXXXXXX XXXX XX/XX/XXXX I sent XXXXXXXX XXXX to the person who scammed me in the screenshot provided is the who scammed me text messages, i also provided screenshots to phone calls dating around the time i sent the money, during those calls he provided a cashapp XXXX where he first wanted the money to be sent, after difficulties he sent me another cashapp XXXX to send the money too, then he proceeded to scam me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV FUNDING LLC : 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 1692 ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * 1692f : 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 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OK

Complaint narrative:
MOHELA failed to provide 21 days notice with my billing statement for XX/XX/XXXX. I still paid {$600.00}. I was told in XX/XX/XXXX that I was entitled to a refund by Federal Student Aid. I immediately requested the refund. I still have not received the refund. Ive tried customer service weekly for months with a different answer every time. I even filed a complaint with Federal Student Aid. They emailed stating they directed MOHELA to issue a refund. Still no refund. I filed a complaint with CFPB in XX/XX/XXXX and was told by Mohela they were processing my refund. It still has not been received. I spent 2 hours on hold today with no answers from MOHELA, only to be transferred to a supervisor where I was told the estimated hold time is 48 hours. I just want my refund of {$600.00} for XX/XX/XXXX payment that federal student aid says Im entitled to.

Company response to consumer: Untimely response