vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 & section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: LA

Complaint narrative:
I am submitting this complaint regarding the mishandling of my federal student loan account by MOHELA, which has negatively impacted my eligibility for the XXXX XXXX XXXX XXXX ( PSLF ) program. 

My federal student loans were transferred to MOHELA in XX/XX/XXXX. I have been on the Pay As You Earn ( XXXX ) income-driven repayment ( XXXX ) plan since XXXX, following the consolidation of my loans. I submitted my electronic income recertification on XX/XX/XXXX well ahead of my recertification due date of XX/XX/XXXX. MOHELA received the form but failed to process it. 

On XX/XX/XXXX, I was notified that my monthly payment amount was increasing to {$1900.00} the standard repayment amount due to the lack of a processed IDR form. I contacted MOHELA on XX/XX/XXXX, and waited over XXXX hours to speak with an agent. I spoke with a representative named XXXX, who incorrectly informed me that I needed to wait until my form was processed in order to correct the payment amount. 

According to the XXXX XXXX XXXX office, If you submitted your recertification request on or before XXXX XXXX, XXXX, and your servicer did not complete processing of your request, then your recertification date will be extended by XXXX year. You do not need to submit a recertification request at this time. Despite this clear guidance, MOHELA placed my loans into an involuntary forbearance that disqualified me from making XXXX payments. 

I called again on XX/XX/XXXX, and waited over XXXX hours to reach another representative. This time I was told that I was correct, that my XXXX recertification should have been extended, and that my account should not be in forbearance. I was assured that my account would be returned to active repayment and the income recertification form would be cancelled within XXXX business days. As of the date of this complaint, no action has been taken. 

This error by MOHELA has directly interfered with my ability to make XXXX payments, despite timely submission of my required documentation. I am seeking immediate correction of my account, reinstatement into an income-driven repayment plan, and a written confirmation of the corrective actions taken. 

Thank you for your time and attention to 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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Let me be very clear I never gave this company permission to pull my credit. I did not apply for anything, I did not authorize any inquiry, and there was absolutely no permissible purpose under the Fair Credit Reporting Act for this access. 

This inquiry is unauthorized and, frankly, fraudulent.

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 2025-05-10 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: NJ

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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2025-05-10 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX * * XXXX - XXXX * XXXX * * INQUIERES XXXX XXXX XXXX  - XXXX XXXX  - XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX account with last date of action in XX/XX/XXXX has not fell off my credit files. I filed disputes with the bureaus and information is validated. I contacted XXXX XXXX but they state they will not delete because it is accurate and the bureaus should remove it is outdated. 

XXXX  car loan that is over 12 years that bureaus will not remove. I submitted disputes and reached out to XXXX and it still remains on my credit file. Last payment in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Improper Credit Reporting Failure to Process In-School Deferment Application Company Name : XXXX Date of Incident : XX/XX/year> Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Incorrect information on your report Complaint : On XX/XX/year>, I submitted an In-School Deferment Application via XXXX 's online portal XXXX including documentation confirming my full-time enrollment status. The portal validated receipt of these documents. However, XXXX failed to acknowledge or process this application as required. This is evidenced by the absence of any follow-up in my XXXX inbox history or account correspondence. 
Despite my timely deferment request and eligibility, XXXX reported a XXXX delinquency on my student loan account to the credit bureaus on XX/XX/year>. This reporting is inaccurate and in violation of my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and FCRA, which require accurate credit reporting and fair acknowledgment of disputes. 
I contacted XXXX to dispute this error and requested they correct the record and notify the credit bureaus. However, no resolution has been provided to date. 
What I Want : Removal of the inaccurate delinquency from my credit report Written acknowledgment and explanation of the investigation Assurance that deferment processing systems are reviewed to prevent future issues This inaccurate reporting has negatively impacted my credit standing and caused undue stress. I am seeking the CFPB 's assistance to ensure XXXX corrects this error and complies with federal 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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
XXXX 's XXXX XXXX sold me a lemon knowing there was a class action about the motor in XXXX XXXXXXXX XXXX XXXX went out they repossessed it had XXXX fix XXXX resold vehicle almost XXXX yrs ago & are still updating credit report every month or XXXX that I still owe over {$4000.00} on said vehicle!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have {$200.00} in American Express gift card I can not use anywhere. I've tried XXXX, XXXX, XXXX, XXXX, XXXX everywhere I can think of. It all gets declined even when I input all the information. Support is no help at all. The only way I can use the card is by buying a specific gift card from XXXX or XXXX XXXX. This is not my ideal solution at all. I shouldnt have to buy a {$25.00} gift card just to order something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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: Marlette Funding, LLC
State: FL

Complaint narrative:
I was a victim of Identity Theft in the middle of year XXXX, where my information was falsely used to open several accounts varying from loans to apartment rental applications. The person ( XXXX ) who have used my identity were operating multiple airbnb units and took out personal loans to pay for those units, including XXXX with XXXX XXXX A police report was filed upon my discovery in early XXXX, as I noticed a collection on my credit I have never even inquired about. I have been battling these people to send concrete proof of my initiation of this loan and have received nothing. They only respond with stating an investigation was done and deems the information accurate. I HAVE ALSO NOT BEEN PROVIDED ANY DETAILS OF THE INVESTIGATION THAT TOOK PLACE TO PROVE THIS. This company has closed, opened, closed, and reopened this same account within the past few months which is not ethical practice. My cellphone with all my information was stolen XXXX years ago, that included photos of my ID, Social Security card, and a few credit cards. And we should keep in mind anyone can forge a signature. There has been no proof provided, once again, that this account was in fact opened by ME. Every other account besides this one has cooperated with the FTC report provided due to being UNABLE TO PRODUCE ANY PIECE OF EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Radius Global Solutions is still reporting a fraudulent account from the original creditor XXXX XXXX XXXX. I never had an XXXX XXXX XXXX account in my life, and I provided a police report of identity theft and a report of identity theft from the Federal Trade Commission. I mailed these documents directly to Radius Global Solutions, proving I was a victim of identity theft/fraud. Still, Radius Global Solutions, LLC. continues to report this fraudulent account as the result of identity theft. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT AND ONCE AGAIN I REQUEST XXXX XXXX XXXX  AND RADIUS GLOBLE SYSTEMS INC VERIFY THE INFORMATION AND PROVIDE ME WITH A COPY OF THIS INFORMATION THAT PROVES THIS XXXX XXXX XXXX ACCOUNT WAS OPENED BY ME AND NOT FRAUDULENT. THIS ACCOUNT CAN NOT BE VERIFIED AND I REQUEST ONCE AGAIN THIS ACCOUNT IS REMOVED/BLOCKED FROM BEING REPORTED TO ALL CREDIT REPORTING AGENCIES IMMEDIATELY

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This letter is to formally request specific information regarding account number XXXX. I am not disputing the existence of this account, but I am requesting verification of the information you hold. I require the following documentation to ensure the accuracy of your records and to confirm your legal right to collect on this debt : 1. Date of First Delinquency : Please provide the exact date the account first became delinquent.

2. Date of Last Payment : Please provide the exact date of the last payment made on this account.

3. Date of Charge-Off : If the account has been charged off, please provide the exact date of the charge-off.

4. Proof of Ownership/Right to Collect : Provide verifiable documentation demonstrating your legal right to collect on this account. This may include a copy of the original agreement, an assignment of debt, or other legally sufficient evidence.Failure to provide this documentation may be grounds for a dispute under the Fair Debt Collection Practices Act ( FDCPA ).

5. Account Level Documents Bearing My Signature : Please provide a copy of the original contract or agreement for this account that bears my original signature.This is critical to verifying the terms and conditions of the agreement. 
Failure to provide the requested documentation within [ Number ] days will be considered a violation of the Fair Credit Reporting Act ( FCRA ) a and the Fair Debt Collection Practices Act ( FDCPA ), and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
In sent out dispute letters by certified mail and I never received any information about how the investigation was conducted by mail. I did not receive any information back all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXXXXXX account with last date of action in XX/XX/XXXX has not fell off my credit files. I filed disputes with the bureaus and information is validated. I contacted XXXX XXXX but they state they will not delete because it is accurate and the bureaus should remove it is outdated. 

XXXX  car loan that is over 12 years that bureaus will not remove. I submitted disputes and reached out to XXXX and it still remains on my credit file. Last payment in 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX account with last date of action in XX/XX/XXXX has not fell off my credit files. I filed disputes with the bureaus and information is validated. I contacted XXXX XXXX but they state they will not delete because it is accurate and the bureaus should remove it is outdated. 

XXXX  car loan that is over 12 years that bureaus will not remove. I submitted disputes and reached out to XXXX and it still remains on my credit file. Last payment in 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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Got a prequalification from a vawn credit service for preapproval of a credit card XX/XX/year> between the hours of XXXX XXXX  and XXXXXXXX XXXXand was checking the preapproval rate and in the process of doing so I was making a phone call to make sure that it wasnt gon na be any difficulty with this account regarding inquiries and Point drops and in the process of making a phone call I saw that my credit score dropped three points with a hard inquiry when I did not authorize anyone or Any business to do so I feel like Ive been misled or misinformed and scammed

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
paypal is a scam! they have my money since years now and untill today I cant add a new bank or debit card in order to withdraw my funds. their customer support hotline are scammers in the XXXX and in the XXXX who do not even speak proper XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite my repeated requests that Experian report the balance on my closed XXXX XXXX XXXX acct [ beginning with CC # XXXX ] as XXXX ( {$0.00} ) and being able to easily verify XXXX balance, Experian inexplicably & without reason, cause or basis, continues to intentionally omit the reporting of XXXX balance on this acct in direct violation of the 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 2025-05-10 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: FL

Complaint narrative:
on my credit reporting i am verifing that negative account consumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account info Balance {$830.00} Balance updated XX/XX/year> Original balance {$830.00} Account info Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. 

Status 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 2025-05-10 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: GA

Complaint narrative:
As of the writing of this complaint, I have already requested twice ( XXXX ) that Experian update the balance on my XXXX XXXX XXXX [ ending in XXXX ], which is XXXX ( {$0.00} ). Despite Experian being able to easily verify that the balance is {$0.00} & despite my having already provided documentary evidence of such XXXX balance, Experian inexplicably & without reason, cause or basis, continues to report the balance on my XXXX XXXX XXXX XXXX Account as {$41.00}, which is NOT correct & violates the 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 2025-05-11 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief