vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: GA

Complaint narrative:
On or about XX/XX/XXXX, MOHELA took over the XXXX student loan servicing duties. 
On or around XX/XX/XXXX, I received a letter in the mail that stated XXXX had transferred my loan servicing to Mohela and that my XXXX student loan account was 186 days late. Once I confirmed that Mohela was legally authorized to accept payments, I made the payment that was requested on the delinquent notice. 

Within a few days of making the payment to bring my account current, Mohela reported my account delinquent to the credit bureaus. Even after I paid off one of the two loans, they continued to report negative information. 

On XX/XX/XXXX sent them a letter explaining that they did not follow the regulations set by the Secretary of Education and, therefore, have violated my rights by reporting this information to the national credit bureau agencies without proper notice. In that letter, I also cited caselaw which read, the Secretary of Education has issued several regulations that articulate the standards for diligent collection of student loans. See 34 C.F.R. 682.410 ; 34 C.F.R. 682.411. For example, after a borrower misses a payment, the lender must send at least one written notice or collection letter to the borrower within 15 days that notifies the borrower of the delinquency. Mohela DID NOT SEND A LETTER UNTIL my account was 186 days past due.

34 C.F.R. 682.411 ( c ). If the debtor is still delinquent after 15 days, the lender must send four collection letters to the borrower and make four diligent efforts to contact the borrower by telephone ; one telephone contact must occur on or before the 90th day of delinquency, one must occur after the 90th day of delinquency, and at least two of the collection letters must warn the borrower that if the loan is not paid, the default will be reported to all national credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Student Loan Providers, Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mohela did not follow any of these statutory guidelines. Further, their reckless actions caused my credit score to drop XXXX points ( from XXXX to XXXX ). The damage to my credit has caused me great hardship because I was not able to obtain the business loans and other opportunities that were afforded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SD

Complaint narrative:
My charges were added into collections without my authorization to do so and taken from a 3rd party collector, and I have disputed it through XXXX  and still have yet to hear something back as it was almost a month ago. I would like the charges to be removed from my account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquirXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXX XXXX XXXXIInquiryXXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquirXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  - Incorrect PersonaXXXX XXXX XXXX XXXXncorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I made the company aware that I am a victim of identity theft. I asked them to mail or email me the documents that verified I opened this account with my true information. I also asked them to provide what was used to open this account. The information that the company had did not match my true information and due to this I asked them to close this account if they could not provide this information and they could not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX only wants to verify my account using my ID and PIN. I can not verify any other way. The customer service rep in XXXX, VA, XXXX XXXX mistaken me for another person and told me not to come back to the store. Now, I will never go back to any XXXX  store, and billing disputes are becoming a headache to resolve. I called the verification number, and XXXX referred me directly to a collection agency so I did not discuss my issue. My only concern was the discriminatory treatment and how it impacted my bill and ability to be a customer and shop. I no longer feel welcome at XXXX and I will never go back to a XXXX location.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
I enrolled in a debt settlement program with National Debt Relief ( NDR ) in XXXX, with the understanding that my enrolled accounts would be actively negotiated. However, XXXX of the accountsXXXX XXXX later acquired by XXXX XXXXhad a legal judgment entered against it prior to enrollment, making settlement legally impossible. NDR accepted the account, failed to disclose the judgment, and continued billing me service and legal fees. 

I repeatedly requested updates and documentation. Representatives gave conflicting answers and falsely assured me settlement negotiations were underway. Despite sufficient escrow funds, accounts were delayed for months, service fees continued, and no final settlements were confirmed. 

I experienced chronic mismanagement, including but not limited to : - Repeated calls despite my request for email-only communication - Unfulfilled requests for settlement documentation and breakdowns - Inconsistent and contradictory advice from different representatives When I requested proof of settlement, NDR only provided billing summaries already visible in the client portal and an outbound offer to XXXX XXXX with no confirmation from the creditor. They never provided finalized settlement documents or proof of creditor acceptance. 

No settlement documentation was ever available for download through the NDR portal. Every item required manual requests and follow-ups, and even then, I received either duplicate information or vague, incomplete responses. 

On XX/XX/XXXX, I submitted a formal written demand giving five business days to resolve these issues. NDR never responded directly. Instead, I received generic marketing textsincluding XXXX five days later promoting the same XXXX  settlement I had already declined. 

These practices caused both financial harm ( continued billing without service ) and emotional distress ( XXXX, time lost, and inability to move forward with credit rebuilding ). Ive attached detailed exhibits documenting these issues across emails, billing history, portal screenshots, and messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I have a mortgage loan with PennyMac. They have put 2 notices on my door using XXXX Properties. Both notices said my property has been abandoned. PennyMac had XXXX XXXX insurance cancel my home policy. Then I got a letter from PennyMac stating that they incorrectly applied late fees to my loan. I need to know if what they're doing is lgal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
My name 's XXXX XXXX XXXX dob XXXX XXXX XXXX ss # XXXX XXXX 8803address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I'm filling a complaint against TransUnion and Equifax report a collection account self/ lead with account # XXXX with TransUnion and XXXX with TransUnion with a balance of {$170.00} this account was used to pay medical bills and for medication.i asked them to stop reporting to the credit bureau because medical bills and medication should not be reported on my credit report but account self/lead reporting to TransUnion and equifax keeps violating my federally protected rights I was diagnosed with XXXX XXXX XXXX XXXX  in XXXX of XXXX and had to use this to pay for medical bills and medication.please delete this account from my transunion and equifax credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: WY

Complaint narrative:
My name 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wy XXXX and I'm filling a complaint against XXXX  and XXXX  report a collection account self/ lead with account # XXXX with XXXX  and XXXX with XXXX  with a balance of {$170.00} this account was used to pay medical bills and for XXXX asked them to stop reporting to the credit bureau because medical bills and medication should not be reported on my credit report but account self/lead reporting to XXXX  and XXXX  keeps violating my federally protected rights I was diagnosed with XXXX XXXX XXXX XXXX  in XXXX of XXXX and had to use this to pay for medical bills and medication.please delete this account from my XXXX  and XXXX  credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CO

Complaint narrative:
I filed a complaint last year in regards to collections illegally being added to my credit files and inquiries that I did not authorize and still have not validated the debts. These alleged debts were never validated by the companies reporting the amounts, nor was the inquiries. I requested METHOD OF VERIFICATION FAILURE, REMOVE NEGATIVE ACCOUNTS- and they never provided proof they verifed the debts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 am filing a complaint regarding a debt originally dated XX/XX/XXXX for {$5700.00}. My last payment was made on XX/XX/XXXX, and the account was officially closed on XX/XX/XXXX. It was considered a charge off. I later received a 1099-C form indicating that the debt was canceled on XX/XX/XXXX Despite this, the credit bureaus are still reporting the balance as pending, which is inaccurate and misleading. The account should not reflect an outstanding balance if it has been officially canceled and reported to the IRS. This has negatively impacted my credit report, and I am requesting an investigation into why the debt is still being reported as active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. There is also a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. There is also a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. Please delete XXXX XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquirXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXX XXXX XXXXIInquiryXXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXXInquirXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  - Incorrect PersonaXXXX XXXX XXXX XXXXncorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> I stopped a check. Check was then stolen & altered. Citibank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, locked XXXX accounts. XX/XX/year> new accts opened. XX/XX/year> Citibank locked XXXX newly created accounts. Citibank refuses to say why & what happened. Ive demanded all my money back to no avail. Citibank has repeatedly said accts are still under investigation. Citibank no longer wants to do business with you. Youll get a check in XXXXXXXX XXXX XXXX days. I have XXXX yr old mom & have to borrow money for food and to pay bills. Absolutely no reason for this lockdown and for holding my money hostage. 
* I cant access any account information. I get message account is not recognized. I dont know exactly how much $ is locked up and dont trust Citibank to release every penny that belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I booked a hotel room for XXXX  nights under the impression dogs were allowed because the website site stated pet friendly. I received a pre registration form to fill out before I got there. The last sentence on the form was dogs are not allowed. I called and cancelled the room I already paid for for XXXX nights and XXXX XXXX  in XXXX XXXX, Texas would not refund my money. They told me I had to go through XXXX and to call them. I did that and XXXX wanted to charge me {$99.00} to cancel. I was given false information and they will not refund me for the XXXX nights I paid for. I am new to Texas and this is a horrible start to a new state. I would never recommend Texas to any of my friends in the state I came from.

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank closed my checking account after a fraud claim was issued and a new checking account wasnt established. The remaining balance of my account was mailed to me in form of a check and when trying to cash the check, I was unable to for various reasons that US Bank cant seem to tell me They also have told me that I will be receiving a new check on two separate occasions over the last two months and neither time did a new check come its been almost 4 months. Theyve been holding my money hostage, and I am at a loss of what I can do next

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