vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
XXXX issue : My loan servicer is MOHELA and I'm currently in XXXX and my IDR recertification was due XX/XX/XXXX. I submitted my IDR recertification XX/XX/XXXX and I got a PDF correspondence from MOHELA that they're reviewing it. This is also reflected on my studentaid.gov account as the application is " In Review ''. 

My IDR recertification application remained " In Review '' until XX/XX/XXXX, at which point I called MOHELA and they informed me that they will put me in an " administrative forbearance '' due to their delay in processing my IDR application. I did not want to be in administrative forbearance as I wished to continue to make payments that would qualify toward my PSLF count, but MOHELA gave me no other options as they were delaying the processing of my IDR application. 

I remained in administrative forbearance from XX/XX/XXXX through the end of XX/XX/XXXX as was seen on my MOHELA account ( see screenshot ). 

While MOHELA documents my forbearance as " administrative '' on their website, these months were reported to federal student aid and the department of education as another type of forbearance that does not qualify for PSLF count. 

The website studentaid.gov lists these XXXX  months as " ineligible '' ( see screenshot ) due to the existence of a forbearance during those months, but the XXXX website also lists " administrative forbearance '' as a qualifying forbearance toward XXXX ( see screenshot ) XXXX issue : I made qualifying payments for months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that were not reported by MOHELA to XXXX XXXX XXXX. ( see screenshots ) Both of these issues combined have resulted in an incorrect count of qualifying PSLF months.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I was notified on Friday XX/XX/XXXX, via Text from a phone XXXX, about your settlement offer has been null & void. I called the phone back listed on the text XXXX. XXXX XXXX XXXX, Spoke with XXXX XXXX, who claimed I had a debt from HSBC, XXXX, that I needed to pay {$3500.00} today. I explained to XXXX, I have nothing in writing no notices. XXXX had the wrong home & email address. She wrote in the notes she would send something to me in writing regarding the debt but demanded that I pay {$2600.00} over the phone now. Today I received another text from XXXX XXXX XXXX, spoke with XXXX XXXX XXXX ( XXXX ) ext XXXX, who harassed me regarding paying the {$2600.00}, in order for this not to go to XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX, said he give me XXXX hour to make a payment or else he would release my file for garnishment. I explained I have no knowledge of this debt nor did I have anything in writing to validate where this debt with HSBC came from. XXXX XXXX email me a settlement offer of {$1800.00}, demanding I pay this without me validating this debt. I Still have nothing In writing and the email sent to me I wasnt able to open. The email was a docu sign document awaiting signature and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Issue : Fraudulent account opened in my name despite all credit reports being frozen. 

I am reporting a fraudulent account that was opened in my name with XXXX on XX/XX/XXXX, even though my credit reports have been frozen with all three major credit bureaus ( Experian, TransUnion, and XXXX  ) for over XXXX year. I have not lifted, thawed, or temporarily unfrozen my credit at any time since summer XXXX. 

I first became aware of this fraudulent account when it appeared on my XX/XX/XXXX credit report. I immediately filed disputes with both TransUnion and Experian. Both bureaus responded stating that the information you disputed and the disputed information was VERIFIED AS ACCURATE. This is incorrect, and it is impossible that the account was legitimately opened because my credit was fully frozen at the time. 

I contacted XXXX directly to close the fraudulent account. They refused to cancel or close it unless I provided additional sensitive personal information ( including specific identifiers that could further compromise my identity ). Because this account was fraudulently opened, I refused to provide them with more personal data. XXXX then refused to close or remove the fraudulent account. 

This situation is causing ongoing harm to me, including : An unauthorized account reporting on my credit file Inaccurate information being repeatedly verified Exposure to potential additional identity theft Inability to resolve the issue directly with the company I believe XXXX failed to follow proper identity verification procedures before opening the account and is now obstructing my attempts to correct fraudulent information. I also believe the credit bureaus failed to appropriately investigate my disputes.

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
My Kia vehicle financed through Kia financial was a total loss on XX/XX/XXXX. I notified the company and let them know all required information and they submitted the GAP claim on my behalf. I provided all required documents to GAP, but they were stalling paying off the account. I received a final invoice from Kia financial they sent on XX/XX/XXXX and I received on XX/XX/XXXX that did not yet have the GAP payment. I reached out to Kia Finance on XX/XX/XXXX and explained the issues I was having with GAP. The rep assisted me with getting GAP to process the claim. The rep assured me the account would be placed on hold while they waited for payment. I contacted them again on XX/XX/XXXX to let them know that GAP finally approved the claim and they said they sent payment. The rep told me that once the account was updated with the GAP payment, I would receive a final invoice with the remaining amount if there was XXXX. The GAP paid out and there was a balance. I reached out to ask why there was a balance. They explained it was my deductible and a non-refundable item that the dealership had added on. They said I would get a final invoice and then have XXXX  days to pay. I was waiting on the final invoice and hadnt received it yet. I kept checking my account online to see when I needed to pay but it kept saying {$0.00} due. I have screenshots of that. Then I get notice last week by my credit monitoring that a major derogatory mark was put on my credit. I immediately called Kia Finance on XX/XX/XXXX and was told my account was delinquent. I explained the whole issue and asked for them to investigate and remove from my credit. They assured me they would investigate and give me a call back in XXXX hours. I never received a call back. I called again today on XX/XX/XXXX and was told they tried to call me back even though I have no missed calls and no messages. They said that they couldnt do anything and that I needed to pay the final balance and they could not remove from my credit even though it was their error. She said she would send a final letter for me with the final invoice. In the letter she sent, it says that I have never attempted to contact the even though that is falsified information given my dated calls listed and told to her. I want to place a formal complaint against Kia Finance, the supervisor XXXX XXXX, and have this removed from my credit report. This is absolutely infuriating.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CT

Complaint narrative:
National Credit Adjusters NCA Account # : XXXX Total Balance : {$670.00} Original Creditor : XXXX XXXX Creditor Account # : XXXX National Credit Adjusters NCA Account # : XXXX Total Balance : {$670.00} Original Creditor : XXXX XXXX Creditor Account # : XXXX I did not take out any cash advances from this company and have no knowledge of how this happened. This is fraudulent and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Report Findings The account ( ending in XXXX ) is listed as a " charge off '' with a balance of {$2700.00} despite the credit limit being {$2000.00}, which is potentially unusual. 

Status is " closed '' but major delinquencies are reported monthly for all of XXXX, and many months in prior years show as delinquent. 

There is a history of disputes ( " Consumer Disputes After Resolution '' and " Consumer Disputes- Reinvestigation in Process '' ) flagged for this account, but the balance and charge-off amount remain reported as past due. 

The same account appears listed under variations CAPITAL ONEWMT and CAP1WMT, both carrying the same major negative status, suggesting a possible duplicate or redundant entry for a single delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am a consumer working to resolve inaccuracies in my credit report. I am disputing the following accounts and information as they are inaccurately reported and do not reflect my actual credit history. I respectfully request that the appropriate corrections be made. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Description : I am disputing this account as it does not accurately reflect the current status. Please review for possible inaccuracies. 

Late Payments : XXXX Account Number : XXXX Description : Please investigate the late payment reporting for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yesterday afternoon ( XXXX Sunday ) I tried to make a cash deposit into my checking account at the Region 's Bank ATM machine located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I inserted the total amount of {$1300.00} in cash ( XXXX x {$100.00} bills and XXXX x {$20.00} bills ), the ATM counted {$200.00} short, so I requested for the amount to be returned, after my request the machine went to an updating system mode. 

It was taking a while, so I tried to call the phone # at the ATM machine, no help, and I also called the phone # in the back of my card, no answer. The updating took about XXXX minutes, and I waited afraid that the money could be dispensed afterwards. But then when it finished, the machine went OUT OF SERVICE, no cash was dispensed, no receipt of the transaction and no credit posted into my account. 

The machine then went back to work, and I was able to view my account balance to have a printed receipt as proof of the date and time that I was there. 

This morning, XX/XX/year> I went to the branch as soon as it opened and I stated my complaint. I asked if they had audited the ATM machine and the manager said that it gets audited from a XXXX-party company every XXXX. I explained the whole situation to her, and I said that I needed the funds in my account because I had some scheduled payments and I was going on vacation the next day. She said for me to open a claim and wait for XXXX business days. 

This is the XXXX  time that this has happened to me at this same ATM, I entered the amount the machine shorted the total by {$200.00}, I was able to get the amount back and I went inside to make the deposit, since it was a weekday. 

It looks like you are being scammed. Like a pattern. 

I need the funds, and now I have to for XXXX business days. I know that they can give a temporary credit, but no. 

I don't trust this Bank anymore ; I will wait until this issue gets resolved and I will close this account.

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 monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am submitting this filing to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of the following accounts on my credit reports. These accounts are being disputed for the reasons outlined below. 

Charged Off Accounts XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$5800.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX Account Number : 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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Open Claim Number : XXXX Further to this ongoing claim, I received the following call from a B of A personnel : " Was Was contacting you to advise that I have resolved your complaint. Please contact me at XXXX ( XXXX ) XXXX ext. XXXX. 

I called the number provided and was redirected to the general customer service number XXXX ( XXXX ). No resolution was provided. This appears to be a stalling tactic, and does not constitute a valid response under Regulation Z XXXX ( Billing error Resolution ). Bank of America has not provided : a. Any documentary evidence showing I authorized this withdrawal. 
b. A written explanation addressing the billing error. 
c. A proper investigation d. A response through the CFPB portal I request that CFPB keep my complaint open, require Bank of America to provide a written, complete, and evidence-based response, and escalate the case to supervisory review if necessary. 
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 2025-11-17 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts currently reporting inaccurately under my credit file with TransUnion. These discrepancies are related to charged-off accounts, inquiries, and late payments. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is reported as charged off but should not reflect as such due to inaccuracies in reporting. 

Inquiries : XXXX Inquiry Date : XX/XX/XXXX Issue : Please verify the legitimacy and accuracy of this inquiry. 

XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Please verify the legitimacy and accuracy of this inquiry. 

Late Payments : XXXX XXXX  Account Number : XXXX Issue : I dispute the late payment reporting as this is inaccurate and should be removed.

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 2025-11-17 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: CA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute inaccurate and incomplete information that is being reported on my credit report. Below are the details of the accounts in dispute, separated by bureau : Charged Off XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-17 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 recently noticed several accounts I did not open or authorize anyone else to. These accounts are preventing me from obtaining credit. Company or organization : XXXX XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$200.00} Company or organization : XXXX XXXX XXXX XXXX  Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$2600.00} Company or organization : XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$840.00} Company or organization : XXXX XXXX XXXX Account number : XXXX Created : XXXX Discovered : XXXX Total amount : {$540.00} Company or organization : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Total amount : {$330.00}

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