vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I am writing to formally file a complaint against Mohela Student Loans due to ongoing, unresolved issues that are impacting my financial well being and rights as a borrower.

Despite multiple attempts to contact Mohela, I have been consistently met with unhelpful and deceptive customer service practices. Each time I call, I am transferred to a so-called " specialist '' under the pretense that I will be able to leave a callback message. Instead, I am left on hold for over 30 minutes without ever being given the opportunity to leave a message or speak with someone who can assist me. This has happened repeatedly, leaving me without a way to get essential questions answered or resolve ongoing issues. 

Recently, I received an email from Mohela notifying me that my payments had been rescheduled, but when I logged into my account, I found that the payment amount had inexplicably changed. No explanation was given, and again, I could not reach anyone to clarify the change. 

Additionally, I submitted an online application for XXXX XXXX benefit I am entitled to as a XXXX XXXX received no confirmation, no communication, and no resolution. Meanwhile, Mohela continues to charge interest on my loan, despite the fact that I have five years of qualifying service and am eligible for XXXX XXXX XXXX in just one month. Their failure to process my forbearance and continued accrual of interest appear to be not only negligent but potentially unlawful, as it seems aimed at profiting from delayed or ignored borrower submissions. 

I am demanding that Mohela : Immediately cease all interest accrual related to the pending teacher forbearance.

Retroactively remove any interest charged during the qualifying period of my five years of service.

Provide a direct, accountable contact to assist in resolving this issue and confirm the processing of my XXXX XXXX XXXX 

Mohela 's pattern of ignoring forbearance requests, failing to provide adequate customer service, and altering repayment terms without proper notice or explanation is unacceptable and warrants investigation. I respectfully request that the XXXX intervene and ensure that this company is held accountable for its actions and treatment of borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MI

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 2025-05-13 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: MI

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX after receiving my federal refund check from the IRS less than XXXX minutes later i check back after loving some money to savings to see my account is restricted i immediately went down to citibank while calling was told my number couldnt be verified and id have to wait for a code in the mail even with the branch XXXX assistance speaking with them herself i was unable to get access and had to waif, several buisness days later after not receiving the letter to my current address i opened a case with citis XXXX branch and was contacted some time later and told they would resend a letter out and i confirmed the address was updated recently. Several more buisness days later going on almost a months and a half i opened a new case was sent back to the same lady who told me the letter would get sent to the address THEY can verify with whoever their people are which i found weird. The only address ive lived at for several years hadnt received any mail for me nor did the updated address. I informed the lady she told me there wouldnt be any other way besides waiting, fast forward going on almost XXXX months now i contacted a regular agent again ( name given was XXXX XXXX XXXX and pleaded with them that im currently going through homeless now and those funds would be help and etc. She was able to use my phone number finally and after sititng on hold for XXXX minutes i was told sorry sir your account is being referenced for closure i was confused and devastated as i hadnt had access and the only funds ive received were the irs refund. She said she couldnt explain much details told me my account would be closed in XX/XX/XXXX days and the check would be sent to the address on file i was so overwhelmed i left alone, XXXX XXXX  i contacted citi because i was informed i could review the closure and after waiting was out in contact with the security team and yet AGAIN was met with i cant access any info without the reference code i was so angry i informed her i already went theough this several times with XXXX response told them i was NOT receiving any mail from them at all, and was told my account was verified with the number and was also told it was being closed. She respond with she cant confirm anything or even look at my account until she gets the code and after i express AGAIN i would never receive it, even on my credit report my address is the one that was given to citi bank and the updated address would be in there system as well. I dont know how long they plan to hold onto my money but i just hung up on the lady after telling her id finally be filing a complaint Name : XXXX XXXX Citi Reference Number XXXX Citi Reference Number XXXX Citi Reference Number : XXXX Here are some of the several times ive been in contact with XXXX response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I wrote to Aqua Finance , Inc. on XX/XX/XXXX, to file a formal complaint against them, for its deceptive door-to-door sales tactics and unfair financial practices. I am one of many consumers who have been negatively impacted by your company 's predatory lending tactics, which have resulted in an unexpected and unfair financial burden. 

Despite my payments since XXXX, I have seen very little reduction in my principal balance due to the excessively high and unfair interest rates. This company 's lack of transparency in financial disclosures and failure to adequately inform customers about the full scope of their financial obligations violate consumer protection laws and ethical business standards. 

The Federal Trade Commission ( FTC ) has already taken action against Aqua Finance for failing to supervise dealers and ensure consumers receive clear information, but they have refused to respond financially. This company has had to issue refunds to affected consumers. I demand that my debt be reviewed and that I be reimbursed accordingly. 

The salesperson who came to my house to sell the product told me the debt would be for 5 years, It's been 3 years, and I haven't even paid a quarter of it. Aqua Finance Inc. called me XXXX weeks ago to tell me that I'm not included in the refunds they're making to the Federal Trade Commission ( FTC ), and if I don't pay my debt month by month, it will increase because the interest is daily, and that my debt has no time or expiration date ( how is this possible? ). 

Since then, they've been calling me every day as if they were a debt collection company because I haven't paid the month of XXXX. I need you please help me with this case, I really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My SoFi debit card was lost on XX/XX/year> while I was getting off the bus in XXXX, PA. I was in the middle of putting my university ID, which I use to access the bus, in my wallet when two other cards slipped out. One was my Sofi card and the other was a Biolife Plasma donation card. The card then was then used for an unauthorized transaction which I never approved of. The amount was {$1300.00}. My rent is due XX/XX/XXXX, and late fees apply XX/XX/XXXX, so I am very upset this transaction went through and has prevented me from paying my rent, causing problems with my housing management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: TX

Complaint narrative:
At the beginning of the year, I noticed four new student loans form a loan provider I had never heard of. By the time I noticed it had been past the 90 days to start paying on those loans. Because it was past 90 days, it dropped all of my credit scores by at least XXXX points. This raised lots of red flags. I then contacted that loan company along with my school I had attended. The loan company said I was the borrower and my mother and grandma were my references. That was also another red flag. I would never use my XXXX XXXX XXXX grandma as a reference if I have a perfectly acceptable father that I would use instead. After that phone call I immediately called the school to see if they had ever heard of this " EdFinancial '' loan company and if they'd ever received any checks from them. They had not. After that, I was told to dispute the loans through CFPB. That's what I did. A couple weeks later, I get a package in the mail with the results. Two of those loans had been " cancelled '' and the other two had been " verified '' they were mine. With still no explanations as to where these loans came from and what they were specifically used for, I finally asked EdFinancial for the promissory note in hopes that in that there would more of an explanation and some signatures that could prove these loans are actually mine. To my surprise, the promissory note had no other answers to my thoughts and no official signatures. All the note had were " E-signatures '' and a sign date. When I noticed the sign date of XX/XX/2021 I was confused. I had not even began my college journey yet. The day I started school at XXXX XXXX University was XX/XX/2021. And to add further explanation, I checked my student email, not a single " student loan '' email was sent nor received on XX/XX/2021. No where in any of the receipts from any payments or anywhere on my schools website account does it have any payments or checks from EdFinancial. I am XXXX XXXX XXXX, trying to buy a house, and this mess up in someones system that I owe almost XXXX in student loans on top of my other student loans that I am actively paying on is throwing off my whole system. Either I keep on disputing these in hopes someone will notice a mistake on their end or my end, or I will get a lawyer to assist in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I disputed a charge for a fake/scam product. The bank refunded me, then took the refund back without explanation. I followed their process and was punished. I want the refund reinstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Check Recovery Bureau, Inc.
State: NY

Complaint narrative:
I am getting repeated calls from XXXX XXXX with United Check Recovery Bureau XXXX and XXXX '' fraud detection '' asking for a person named XXXX or XXXX XXXX ( not sure ). I have told them I am not that person, and they said they would take me off the list, but I am still receiving daily phone calls from them. This has been going on for several months. 

NOT THE FULL LIST United Check Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I asked over the phone for debt to be validated and company refused please delete company off my credit report under name XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXL XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
After a recent review of my consumer credit files from Experian and TransUnion, I discovered the presence of multiple unauthorized accounts and trade lines listed under the name XXXX XXXX XXXX and its derivatives. These accounts appear to have been created, reported, and furnished by financial institutions or third-party data furnishers without my knowledge, express consent, delegated authority, or any valid contractual agreement. At no point did I authorize the use of this registered business name or its derivatives to establish consumer credit accounts, incur financial obligations, or engage in securities-related transactions.

Company response to consumer: Closed with explanation