vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
on XX/XX/XXXX one of my clients have given me a check check bounce then my account has been frozen up to today XX/XX/XXXX, the funds from the check provided for one of my clients has been stuck in there along with all of my available funds from previous job jobs from clients, etc. for the past almost XXXX months I have been getting the same answers about still being account on hold frozen under investigation under the fraud department and I just don't get nowhere spending days and hours trying to get a response, up until today, XX/XX/XXXX. I still yet have to receive a letter explaining the situation of why my account was closed. this is my 2nd complaint because the first one i have mentioend to them many times that the address listed on account XXXX XXXX XXXX XXXX XXXX il XXXX i cant recive any letters or checks amd i want check to be mailed to my correct address

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 2018-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Astra Business Services
State: KS

Complaint narrative:
: The Company '' is the lender, Known as XXXX formerly doing business as XXXX, physical location in XXXX, KS at XXXX XXXX XXXX XXXX, now located on XXXX XXXX XXXX KS XXXX I purchased a piece of real estate in XX/XX/XXXX in the City of XXXX County of XXXX, State of Kansas, United States of America, XXXX and financed the sale through the above named entity. Through the entire time period of initial closing XX/XX/XXXX to the present, I re-financed my homesteaded real estate as approved by the Loan Officer, XXXX XXXX to improve my home and detached garage and shop building. The property is legally known as XXXX XXXX XXXX XXXX of " the Original City of XXXX. recognized by United States Postal Service as XXXX., measuring 60 feet by 150 feet. I met all requisite contractual payments until I noticed that the mortgagor, XXXX XXXX, could not account for an unauthorized withdraw from my checking account in the amount of {$250.00} in XX/XX/XXXX, an amount still not accounted for. I changed banking institutions to XXXX XXXX XXXX directing my XXXX monies from the State of Kansas and Social Security Administration to be deposited to XXXX XXXX, and payments to XXXX be timely made from XXXX XXXX. Even though I submitted documents to XXXX XXXX from XXXX XXXX officers rescinding automatic payments for the mortgage amount of {$450.00} and HELOC payment of {$160.00}, XXXX XXXX ignored these rescinding documents, causing several overdrafts, charging me overdraft amounts and penalties of an approximate {$490.00}, and held the payment of my Social Security XXXX Income deposit of {$920.00} until I had paid their " electronic overdraft '' due to their error, not mine. In later court documents in the XXXX Judicial Court, the railroaded rigged biased court ruling favored XXXX XXXX, the lender, without considering the violation of equal protection under the law of my own civil rights. I submitted an " Out of Time '' narrative to the Court, as instructed by the Hearing officer, to no avail. Though I requested a 'fair and impartial ' ruling praying for the wisdom of the Court, it appears the Court recognizes only the lender and not the consumer. In my opinion, in this case, the lender ( and company, is suspect ) and the consumer ( others like me ) are presumed at fault, especially when the lending company errored first, grossly breaking the contract thus losing Super Priority Lien status.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Astra Business Services
State: GA

Complaint narrative:
I requested a signed contract between myself in which they did not provide. Astra instead sent an electronic file for a payday loan where the contract is between myself and XXXX XXXX where I don't recall receiving a loan from them.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-11 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Astra Business Services
State: FL

Complaint narrative:
I requested their Notice of Privacy in order that I could opt out of their disclosing my non public personal information. I have never received my request

Company response to consumer: Untimely response
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Astra Business Services
State: OH

Complaint narrative:
When I checked my credit report I saw a collection account from a company named Astra for {$550.00}. I had filed a dispute which came back that it was investigated and was my debt. No information as to who the creditor is was given. I believe this company is a scam, after researching it.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-01 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 dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. DEPT OF ED Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-11-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-11-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-07 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I never received any type of notification of my student loans being in Default and all of a sudden bam I was hit with over XXXX points taken off my credit report. I would appreciate greatly for this matter to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
Hello, I grew up in foster care in a low income family. Honestly, the only way I was able to attend college is by student loans. I was sold IDR from the finical aid office when signing up. And was told- they XXXX XXXX forgiven since you are going into XXXX. After gradating with my XXXX XXXX, I was making payment on my IDR. I then went on for my masters in XXXX. During this time, my payments were put on hold while in school. This was doing XXXX student loan hold too. I applied for loan consolidation. Which then transferred my loans to MOHELA. I replied for IDR. This has been in the process for months, studentaid.gov says it is on MOHELA end. However, I am unable to get a hold of anyone on MOHELA after being on hold for hours. I have made many attempts to get answers. On the rare occasion I may get a hold of someone, they say they will transfer for me to someone for the status of my IDR. I am then on hold for over XXXX hours with no one answering the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
Dates information sent to update and correct total forgiveness:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closure letter received on XX/XX/XXXX. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Item NumberCompany NameAccount NumberComments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Hi Consumer Financial Protection Bureau, I am writing to formally file a complaint against Mohela, my student loan servicer, for their failure to properly notify me of delinquent payments and for their repeated refusal to assist me in resolving the resulting credit damage. Despite being a XXXX resident for over five years, Mohela only sent physical mail to my former address in XXXX. I never received any notification by email, phone, or mail at my current address. Had I been properly notified, I would have made payments immediately. Instead, I only became aware of the issue after my credit score dropped by more than XXXX points, severely affecting my ability to purchase a home and causing significant financial hardship for me and my family. Since discovering the issue, I have contacted Mohela over five times by phone in an effort to resolve this matter. Each time, I was told that it was not their problem and that they cant do anything about it. I was treated poorly and dismissed, despite my clear record of good faith and immediate corrective action. Upon learning of the delinquency, I paid two of the loans in full right away and established scheduled payments for the remaining balances. Mohelas failure to provide proper notification, combined with their lack of accountability, has unfairly resulted in XXXX separate negative reports to the credit bureauscreating an immense and ongoing burden on my credit report and financial standing. I am respectfully requesting that the Consumer Financial Protection Bureau review this matter and assist in having the negative credit entries removed or corrected, as I was never properly notified and took prompt, responsible action as soon as I was made aware. I will include with this submission documentation showing my payment history, the loans that have been paid in full, and confirmation of my XXXX residency for over 5 years now that my college and Mohela was aware of. Thank you for your attention to this serious matter. Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Risecredit, LLC
State: ID

Complaint narrative:
XXXX XXXX, XXXX is attempting to collect an alleged debt with the original creditor Rise Credit of Idaho, LLC ( RISE ). I dispute the debt and the balance being claimed. XXXX/ repeated contact : XX/XX/XXXX : XXXX activity began / ongoing collection attempts started. XX/XX/XXXX : I sent a written dispute and FDCPA debt validation request. XX/XX/XXXX : I sent a written request for Cease Communication + Debt Validation. XX/XX/XXXX : XXXX continued emailing me ( We need your attention ). XX/XX/XXXX : Continued collection email ( Reaching out to resolve ). XX/XX/XXXX : I sent a formal accounting dispute/ refused tender / balance inaccuracy notice. XX/XX/XXXX : Continued collection email ( XXXX, theres still time ). XX/XX/XXXX : Continued collection email ( Resolve your account ). XX/XX/XXXX : Continued collection email ( We havent heard from you ). XX/XX/XXXX : Continued collection email ( Time to step forward ). XX/XX/XXXX : Continued collection email ( Manageable plans available ). XX/XX/XXXX : Continued collection email ( XXXX, you decide ). XX/XX/XXXX : Continued collection email ( Friendly reminder for XXXX ). XX/XX/XXXX : I sent notice of continued collection on disputed debt. XX/XX/XXXX : Continued collection email ( Checking in ). XX/XX/XXXX : XXXX emailed again with a XXXX reminder and a balance of {$2600.00}. XX/XX/XXXX : XXXX also contacted me by text message stating they are a debt collector and provided a payment link. Issue : XXXX continues frequent/repeated electronic communications even after I disputed the debt and requested validation and cease communication in writing. I have not received proper validation documents ( original agreement, itemized balance, payment history, and proof of assignment/authority to collect ). Resolution requested : Provide full written validation and stop repeated communications until validation is provided. If unable to validate, close the account and cease collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc.
State: SC

Complaint narrative:
I was contacted by the debt collector about a service fee that I was charged on lawfully Ill explain to the debt collector of the situation, and they attempted to collect the debt aggressively and threatening me with statements and legal action

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Complaint number XXXX From filing with you guys the first time. Look you are suppose to look into fraudulent activity it your jobs but instead you allow the company to say they are still working on it these people allowed me to take a payment then ask for id so I gave it to them. Then they said they couldn't take it asked more? Then what makes me even more mad is I order a atm card I tried getting my money out and it wouldn't let me said card was invalid but on my account says it gave| it to me when It didn't and I am being ignored here is the email I got about my info I sent them and when I send a email back they won't respond I filed a complaint with you people because your suppose to do something and I haven't seen anything you people do trump needs to just closes you office down save money because you guys don't get nothing accomplished. These big corporations square XXXX and cash app XXXX people and you guys let them wezel their way out saying they are working on it my XXXX. I want my money that my customer got her items and is willing to tell u or them that and I want my money now they messed up and not me so give me my money for items I don't have that was paid for threw square and u know XXXX well they do this alot I have looked at others comments and u still don't do XXXX.

Company response to consumer: Closed with explanation