vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I was in the cohort of DoEd borrowers on PSLF who transitioned their PSLF servicing from MOHELA to FSA/studentaid.gov in the summer of XXXX, despite MOHELA servicing every other aspect of my loans. This transition placed me on an administrative forbearance.

To add to this confusion, during this transition the SAVE plan was also published and then subsequently challenged/frozen in court. All this resulted in me being placed on multiple forbearances, during which time conflicting information was shared by both FSA/DoEd as well as MOHELA as to whether or not these forbearance months would count as qualifying months towards my PSLF.

I've certified my employment as working for an eligible employer several times this year, the last being on XX/XX/XXXX, with FSA confirming my count is still at 115. Then on XX/XX/XXXX, at the instruction of FSA, I submitted a buyback request for the missing months, which is still in processing with no transparency.

I also submitted a request with MOHELA on XX/XX/XXXX to change payment plans to get me off SAVE and into an IDR plan to continue making eligible payments in case my buyback request with FSA didn't pan out. That is also stuck in processing.

After multiple attempts at outreach to both MOHELA and FSA/DoEd, I've been stuck in administrative limbo making no
progress towards my count of 120 in PSLF. I have been sitting at 115/120 since XXXX of 2024 and am well past what should have been my required 120 months of qualifying employment and payment. I have kept my end of the proverbial bargain when it comes to time spent in public service, and in return I've been forgotten.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a FTC report for identity theft because my personal information has been exposed in a data breach of over XXXX XXXX consumers personal information.I would like and appreciate to have all accounts showing on my credit report removed immediately pursuant to 15 USC subsection 1681 immediately. Ive sent my request for the immediate removal of accounts to all XXXX credit bureaus.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am a customer of American Express and have a XXXX XXXX. They have a Plan It feature where they allow you to break down a charge over a certain period of your choosing XXXX or XXXX or 12 months. They have a calculator on their website that shows these options and how much the fee without interest would be. I have been using it for several months as the fee isn't large over the XXXX or XXXX term. Due to this I purposely put a charge on this particular credit card so that I could once again use this feature. Except this time the only options are XXXX, XXXX, or XX/XX/XXXXmonths and the fee is very significant. Instead of under {$10.00} for 3 months it would be {$47.00} for 12 months!!! {$71.00} for 18 months and {$94.00} for 24 months!!!! 

I engaged with a chat with them to determine why there was a change and if it was communicated to me. They of course provided vague information about how the terms could change at any time. Which I understand BUT they have a calculator on their website in this section which leads you to believe that XXXX or 6 months is an option. As I am writing this, I am going back to verify this is still correct and it now shows XXXX, XXXX, and XXXX options. They changed this between when I used the calculator and made the charge and today. Without any notification!! This is not the proper way to do business. They should be required to inform you of changes such as these in conspicuous places on the customer portal website and not buried. And a timely warning should be in place also especially with these changes that will impact the consumer AFTER the purchase!!! I would have used another company 's credit card had I been forewarned!! But now as an educated consumer and I see how they value their customers I will close this account and use a different company going forward. The two customer service people I spoke with just regurgitated standard comments that were not explanations or answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report. within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rodenburg LLP
State: ND

Complaint narrative:
For five years there hadn't been single letter from them and then just last year prior to a holiday, the company sent me a letter just before a national holiday. Now, that same company sent me a notice before XXXX knowing full well I wouldn't get it until after the holidays. This isn't the first time they've used this tactic. On top of this the debt being collected is time-barred or at least it should be. 

They are also trying to collect from a bank I've never had an account through, my mom did, but she passed away a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft pursuant to 18 USC 1028A, I never gave written or verbal authorization to no reporting agencies to report these negative accounts on my credit report. I am also a victim of the XXXX data breach, my information was exposed.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Public record being reported to credit report and this is against law and violation on my credit report related to public records,

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi EQUIFAX, I just received a copy of my credit report today and I found those XXXX fraud inquiries that shall delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX INQUIRY DATE : XX/XX/year>XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> XXXXXXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im questioning the accuracy of these items on my report. Please verify this information or remove it. 
. 
. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 
. 
. 
Please read 15 USC 1681s-2 ( a )

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 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I attempted to use my Nordstorm card to make a purchase of {$100.00} at XXXX at Nordstorm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX in XXXX XXXX XXXX XXXX My last payment was on XX/XX/year> for {$400.00}. Nordstorm declined my purchase although I had the available credit to make the purchase. They denied me access to my Nordstorm card to make this purchase. I was embarrassed, experience hardship and humiliation when the store rep had to call for my transaction to get approved, in which that back office department they called declined my transaction and force me to use another form of payment to complete my purchase. I requested that they send me documentary evidence stating that I wasn't entitled to utilize my Nordstorm card. This action by Nordstrom was a violation of my rights according to 15 USC 1666c Prompt and fair crediting of Payments and 15 USC 1666d treatment of Credit balances. As soon as a payment is received Nordstorm should be crediting the account immediately and it should be available to me for usage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a PayPal Credit account. I am able to use it to make purchases with special financing where I get six months to pay the balance on a specific transaction without incurring interest. I pay balances within the special time period but often do not see a balance that is accurate. The way purchases and credits or payments are shown is incredibly confusing to the point of being misleading and even untruthful. Often I think Ive paid a balance but then a later statement will show interest without showing a matching transaction. I have asked for explanations from PayPal in the past and do not get them ; however I have been advised that what I see online is not up to date. I can not say enough about how confusing PayPals method of accounting is.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity and information was exposed involved in a breach with Equifax and my negative items should be removed under section XXXX everything should be removed. I do have all my information to prove that this has happened to me. I was sent XXXX in my email as a settlement that I have not used. I should have the option to fix my credit being that it has been breached multiple times. This has been going on since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a of a rental/ leasing creditor account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), and an installment opened at XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The fraudulent inquiries are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX under XXXX. Ive attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have not used my capital one credit card since XXXX XX/XX/year>. I was given a payment plan to catch up payments. Abused by payment plan and decreased my balance from over {$2000.00} to {$1800.00}. My payments have been higher than the reports interest via statement and no purchases. Capital One out sources their customer service and they can not give me an answer and then hang up. For example I made a payment of {$67.00} and was charged {$47.00} in interest and my balance increase to over {$67.00}. XXXX will not decrease in the months that my hardship payment arrangement ended. I had a second card and was not given the same opportunity to be on the hardship arrangement and they will not reinstatement my card.

Company response to consumer: Closed with explanation