vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Mohela due to their failure to allow me to access my student loan account and make a timely payment. Despite multiple attempts to resolve this issue, I have been unable to reach their customer service, and I am now facing potential delinquency through no fault of my own. 

Issue Summary : My student loan payment was due on XX/XX/year>. 
When I attempted to log in to my Mohela account to make the payment, I was blocked from accessing my account. Mohelas system states that my Social Security number and account information do not match their records, despite these details being correct. 
I have made several attempts to call Mohelas customer service to resolve this issue and make a payment, but their wait times are excessive, and their automated system disconnects calls instead of providing assistance.

Due to Mohelas system errors and lack of customer support, I am now at risk of being reported as delinquent on my loan, which could impact my credit score and financial standing.

Requested Resolution : Mohela must immediately resolve this account access issue so that I can make my payment. 
Any late fees, penalties, or negative marks on my credit report must be removed, as the failure to pay was caused by Mohelas system errors.

Mohela should improve their customer service response times and ensure that borrowers are not unfairly penalized due to technical or administrative failures. 

Mohelas lack of accessibility and poor customer service is preventing me from fulfilling my financial obligations. I request that the CFPB investigate this matter and ensure that Mohela is held accountable for its failure to assist borrowers in a timely manner. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
So I had money in checking account for what ever items I was purchasing, it gets taken out but left in pending mode. After a couple of days later the bank ends up stating Im overdrawn by that same amount of purchase. I have called multiple times that the mo et was taken out that same day of purchase. So why em I being charged again several of days later. They are stealing right from under me and I cant do anything. Went to the office and called to dispute but every time I do that they deny me a return. Also when I call they end up doing something in there system to make it look like there isnt anything wrong

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 2025-04-04 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquires on my credit report, prompting me to file a complaint with the federal trade commission ( ftc ) my grievance is directed towards Experian, Trans union and Equifax for infringing upon my consumer rights by including these accounts in my report. I strongly believe that this situation exploits me, and I seek resolution XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquires on my credit report, prompting me to file a complaint with the federal trade commission ( ftc ) my grievance is directed towards Experian, Trans union and Equifax for infringing upon my consumer rights by including these accounts in my report. I strongly believe that this situation exploits me, and I seek resolution XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XX/XX/year>XXXX  To Whom It May Concern : This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. 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 2025-04-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: AL

Complaint narrative:
They gave me information on how to get my personal things back and the information does not work. I goes days without them calling me like they say they would. Most of the time they donot answer. I have verified that the information is incorrect with someone from the company and they said they would get it fixed, but still has not done so. The company name is Jefferson Capital. I am calling them during the specific hours that is in the letter and still not able to get a response with the correct information.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian credit report. I did not apply for credit with the company listed below, nor did I authorize them to conduct a credit inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Since I did not give permission for this inquiry, I request that Experian conduct an immediate investigation. If this inquiry can not be verified with documentation proving my consent, I demand that it be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a complaint regarding inaccurate bankruptcy information on my credit report, and I have not received a satisfactory resolution. The credit bureaus and creditors are required to ensure all reported information is accurate and verifiable under the Fair Credit Reporting Act ( FCRA ). 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year>XXXX  Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I request documented proof of verification or immediate correction of these inaccuracies. Reporting unverifiable or incorrect bankruptcy information harms my financial standing and violates consumer protection laws.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, two unauthorized purchases were made on my Citi Best Buy card ending XXXX at the XXXX, IL Best Buy location. 

The first purchase was for {$3800.00}, and the second purchase was for {$2600.00}. Both were made within hours of each other. 

Upon my discovery, I filed a complaint about both purchases and received a letter as of XX/XX/year>XXXX  that they received my fraud claim. On XXXX XXXX, I received a letter that outlines the following : Here 's what you need to know Our decision was based, in part, on the following : You received benefit from the disputed charges made on this account. 
We've conducted our investigation using the information that you provided about the dispute. With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. 
As a result, we have re-billed your account and consider our investigation complete.

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 2025-04-04 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: CA

Complaint narrative:
I recently checked my Experian credit report and noticed that XXXX XXXX XXXX XX/XX/year> XXXX account is not reporting accurately. I have late payment on the account that I have paid on time. Consumer reporting agencies have to report all the information with complete accuracy. XXXX XXXX XXXXXXXX account was not late on payments, that's why I am attaching screenshot from my Experian credit report on the following date XX/XX/year>. I am kindly requesting Experian to investigate the matter and provide me verifiable proof with the records showing that I had late payments. If the requested information can't be verified, I request the late payment be updated on to paid on time immediately. Thanks for considering the issue.

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 2025-04-04 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: NC

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 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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX XXXXXXXX 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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I purchased a couch from XXXX XXXX on XX/XX/year>. I was going to pay for the couch in full using a current credit card. The salesperson shared about a deal for financing the couch for 0 % APR for 12 months through Synchrony. I agreed to sign up for financing the couch. It was never shared with me that I was actually signing up for a credit card. I also had a friend with me at the time, who also later confirmed that there was no mention of this being a credit card. When I received a Synchrony credit card in the mail a few weeks later, I was completely taken aback. I called XXXX XXXX to communicate that I had not wanted a credit card, just the financing option. I was told then that the financing was through a credit card. Had I known this was the case, I never would have agreed to the terms. I now have to go through the hassle of closing this unwanted credit card account. I feel like the terms and conditions of the financing option being a credit card was not fully discussed, and I was not given accurate information about what I was signing up for. There was a 9 page receipt that I was given, and it does not mention that the financing option was a credit card. I have attached 2/9 pages most relevant to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
I submitted five disputes through Current, including two major orders on XXXX : XXXX XXXX XXXX ( Order # XXXX ) {$240.00} XXXX XXXX ( Order # XXXX ) {$86.00} These items were marked as delivered, but I never received them. I contacted XXXX support and was told I would be refunded, but never was. I also submitted proof of denied A-to-Z Guarantee claims and screenshots from XXXX support confirming no refund was issued. 

Despite this, Current still denied every single dispute without any valid explanation. The responses felt automatic, careless, and unfair. I feel like Current completely ignored the evidence and failed to protect me from fraud. 

Im submitting this complaint because Ive exhausted every option and received no help.

Company response to consumer: Closed with explanation