vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: TN

Complaint narrative:
I started a refund request back in XX/XX/XXXX for an overpayment on my student loan balance with MOHELA. MOHELA began to process the request and it took several months to actually get the refund processed and then they said that my overpayment refund was sent to department of a treasury on XX/XX/XXXX. I filed another complaint with student aid.gov and they investigated and told me that a refund was processed however I called MOHELA again on XX/XX/XXXX and they told me that they have not yet sent a refund to department of treasury. Today is XX/XX/XXXX, and they have yet to file my refund or give me a status update on over XXXX dollars. They have delayed this for over 5 months and this refund was requested in XXXX of XXXX. Mohela has been hard to work with and they will not process my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX I Purchased a Vehicle from XXXX a XXXX  car dealership that sold me a lemon on a XXXX  and By XXXX  XXXX, they were back in possession of the vehicle stating that I take it to XXXX XXXX on XXXX XXXX XXXX also in XXXX Ca. EVERY SINGLE LIGHT WAS ON ON THE DASH BOARD! On the Saturday on XXXX XXXX XXXX CREDIT UNION XXXX XXXX aware that I had been sold a lemon. However they never documented my call or file of the problem until as of recently. I visited the bank as well as called for 3 weeks if not a month straight, from XXXX asking what could be done and. Was told NOTHING could be done for me because it was to late. I made my first payment for XXXX in XXXX, seeing that I had 2 months of NO PAYMENT. XX/XX/XXXX I called to ask them requesting additional information on the account such as the Principal and whom was the legal owner of the property that they were stating is collateral, AGAIN GOLDEN XXXX failed to provide this information in writing but did let me know I was INFACT the legal property owner. In XX/XX/XXXX I spoke with them because they stated they needed a payment. I responded by stating why am I RE-Paying a paid off loan? The agent could not provide me with this information or ever an answer. In XX/XX/XXXX, XXXX started, calling saying I have not made a payment and that it was 60days late. Which was NOT accurate. The payments were NEVER DUE until the XXXX of each month. From XXXX I speak with the under carrier of GOLDEN1 and he informs me that he sees NO notation on or in my account about ANY PROBLEMS I HAD regarding the loan or the vehicle. I request from his the original Promissory note and all consideration that was given while assuming the loan. I also STATE THAT : IF I HAVE ALREADY PREFORMED THE OBLIGATION OF PROMISING TO PAY, EHY ARE THEY REQUESTING ADDITIONAL PROMISES TO PAY? The agent, XXXX, could NOT & DID NOT provide any evidence of this. I had not heard back from them. Until YESTERDAY XX/XX/XXXX I received a NOTICE OF REPOSSESSION dated for XX/XX/XXXX and it stated I only have 7 days from the day it was typed to respond. I send a NOTICE OF BENEFICIAL INTEREST AND DEMAND FOR REMEDY via SECURED MESSAGE VIA XXXX app. Today XX/XX/XXXX I wake up to MY VEHICLE being towed by a company named XXXX XXXX I ask the man for his order and he ALSO ONLY RECEIVED XXXX XXXX XXXX Yesterday XXXX. I CALL XXXX XXXX ANY TIME phone number and can not speak to the representative because I gave a disclosure that the call was being recorded for my record. I am still waiting for a REQUESTED CALL BACK. I also have every call recorded regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm reaching out to make something very clear. I need full assurance that all the data linked to this account every file, detail, activity log, and personal identifier belongs solely to me. No exceptions. This is important for both my privacy and peace of mind. I'm asking for this certification because I want to be absolutely certain that my personal information is not mixed with anything that doesnt belong to me. I need confirmation that everything on this account is exclusively mine nothing more, nothing less.

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 2025-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Refinanced house in XX/XX/XXXX, first payment due XX/XX/XXXX. Property taxes were due around that time so to make it easier we built in our property taxes into the new loan for the new mortgage company to pay out, that way we also got a refund check of our escrow account from the old mortgage company. XX/XX/XXXX, letter in the mail from county property tax collector saying our taxes have been due. Reached out to confirm that they really do then called my new mortgage company, they had no idea what I was talking about in what I explained above and to reach out to my broker. Reached out to him and he looked over the closing disclosure which clearly states our property taxes for XXXX were built into our closing costs for them to pay it and they never did. I have until XX/XX/XXXX to pay these property taxes when they are already built into my new loan but they were not paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing regarding an account XXXX listed under the name XXXXXXXX XXXX XXXX  XXXX that appears on my credit report. I do not recall any such debt and have no record of receiving proper notification of this account. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide a copy of the original signed contract or agreement, detailed documentation of the full payment history and current amount owed, and a certified mail receipt showing that notice of this debt was delivered to me, including my signature as proof of receipt. If you are unable to provide the requested documentation within the timeframe allowed by law, I request that this account be deleted from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX am unaware of this debt and did not have the opportunity to dispute this account.If you believe you sent proper notification, please providecertified mail with receipt displaying my signature.If not please delete account 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 2025-04-30 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: OK

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 explanation
Consumer complaint received 2025-04-30 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiry Dear Equifax Dispute Department, I am writing to formally dispute an unauthorized hard inquiry on my Equifax credit report. Upon reviewing my credit report, I noticed an inquiry from : Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> I do not recall authorizing XXXX XXXX XXXX or any associated entity to access my credit information on the mentioned date. Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit consent should appear on my credit report. 

Fair Resolution Request : I respectfully request the immediate removal of this unauthorized hard inquiry from my credit report and a written confirmation once the deletion is completed. Additionally, please provide an explanation of how this inquiry was verified and added to my file. 

Enclosed are copies of my government-issued ID and a recent utility bill as proof of identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
i have had a care credit account for a few years now, and have been paying the monthly payment and on time. I noticed that my account wasn't going down, So I did some research and figured out that they were charging me a fee for something that I did not agree too. So I contacted them and after much arguing about that they gave me a refund of XXXX. Now 2 weeks later they come up with a finance charge of XXXX. So I called them again and now they that is for some promotion of no interest for 18months. I have had my account for much longer that that. They said that I could pay the account off and they would remove the Charge. This is absolutely ridicules, To me this is in retaliation of the credit they had to give me. I have been paying interest all along. I have read the complaints on this company and they are many. What can be done about this?

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 2025-04-30 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: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Experian, XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to a

bolish the U.S. Department of Education . Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Sincerely, 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 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX due to inaccurate and inconsistent reporting by Equifax and Experian. This account is being reported with conflicting information across the two bureaus, including discrepancies in the balance, last reported date, and payment history. Experian reports a balance of {$130000.00} while Equifax reports {$130000.00}. Experian shows the last reported date as XX/XX/XXXX and a last payment date of XX/XX/XXXX, while Equifax lists the last reported date as XX/XX/XXXX and does not report any last payment date. Additionally, Experian reports the date last active as XX/XX/XXXX, which is also missing from XXXX report. TransUnion does not report this account at all. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires that information be reported with maximum possible accuracy. 

I contacted the original creditor, XXXX XXXX, who could not verify the inconsistent payment history or provide accurate supporting documentation. The dispute letter is attached which is dated and time stamped. Under 15 U.S. Code 1681i ( 5 ) ( A ), if information is found to be inaccurate, incomplete, or can not be verified during a reinvestigation, the consumer reporting agency must delete or modify the information accordingly. Therefore, I am requesting that all late payments be removed from this account and the status be updated to paid as agreed never late. If verifiable documentation can not be provided within 15 days of investigation, I request that the inaccurate and unverifiable information be deleted in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: GA

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 2025-04-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-30 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-04-30 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-04-30 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  XXXX * * * * * * XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$4500.00} XXXX - XXXX * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$610.00} WC / XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$1400.00} XXXX FXXXXN - XXXX * * * * * * XXXX - XX/XX/XXXX - {$17000.00} INQUIRIES : XXXX 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 2025-04-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief