vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
I am writing to formally request your immediate intervention and oversight in a matter involving the misplacement and misapplication of my XXXX XXXX XXXX XXXX payment in the amount of {$6800.00}, submitted on XX/XX/XXXX. 

I have documented evidence that this payment was received and cashed by Mohela, yet nearly XXXX months later, it remains unapplied to my account. Throughout this period, I have repeatedly contacted Mohela, often enduring excessive wait timesupwards of XXXX hoursonly to be told that my case was " being escalated '' or " sculpted. '' However, I recently discovered during a call in XX/XX/XXXX that no escalation had actually occurred until now, despite assurances from Mohela representatives over several months. 

This pattern of negligence, misrepresentation, and failure to follow through on escalation protocols has caused significant emotional distress and may be in violation of basic consumer protection standards and due process obligations under federal student loan servicing guidelines. 

Moreover, each time I contacted Mohela, I requested the identification numbers of the representatives I spoke with. I was consistently told that this information was confidential and could not be sharedonly to learn during my most recent call that this claim was false. The willful withholding of personnel identification obstructed my ability to document interactions and pursue formal remedies, raising serious concerns about transparency and accountability. 

This situation not only undermines the integrity of federal loan servicing but also represents a potential breach of fiduciary responsibility to manage borrower funds ethically and accurately. 

I am formally requesting : A written response from XXXX XXXX acknowledging receipt of this complaint ; An immediate investigation into the handling of my account and payment ; A clear timeline for the resolution and correct application of my funds ; Assurance that Mohela will be held accountable for any breaches of ethical or legal conduct in this matter. 
Please contact me directly at ( XXXX ) XXXX or via email to confirm that this request has been received and is under review. I have exhausted all reasonable efforts with Mohela, and I now rely on XXXX XXXX XXXX XXXX to enforce the rights and protections afforded to me as a borrower. 

Thank you for your attention to this urgent and deeply frustrating matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-03 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: OH

Complaint narrative:
XX/XX/year> These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my address which is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP!

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion On XX/XX/XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XX/XX/XXXX, I sent a letter to TransUnion requesting a reinvestigation of the following accounts : XXXX XXXX XXXX and XXXX. Attached is the tracking number for this correspondence : XXXX On XX/XX/XXXX, I received a response from TransUnion indicating that their investigation was complete and the accounts in question were deemed accurate. However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX - Details Inaccurate According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumerreporting agency must promptly delete or modify that item of information based on the results of the reinvestigation.

2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer 's file.

Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
XXXX  has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
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 non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-03 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:
This serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Specifically XXXX XXXX XXXX XXXX, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LEGAL GROUNDS FOR REMOVAL : Under XXXX XXXX ( a ) ( XXXX ) ( A ), once dispute is filed, you are legally obligated to conduct a full and proper investigation. Any item that can not be verified with complete accuracy must be deleted from the consumers credit file within XXXX  days. 
I am exercising this right and demanding strict compliance. 
Additionally XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) states that Any disputed item that can not be verified must be deleted from the file the consumer Let me be Clear : Unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract with a wet signature as verification. Anything less is legally insufficient evidence under federal law. 
Per XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), If the furnisher fails verify the account with the original contract you are required to delete this account immediately. 






YOU ARE HEREBY PUT ON NOTICE : - [ ] You have XXXX  days from the receipt of this letter to complete a lawful investigation. 
- [ ] If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
- [ ] Failure to comply will result in formal complaints being filed with the XXXX XXXX XXXX XXXX ( CFPB ), the Federal Trade Commission ( FTC ), and my State AttorneyGenerals oOffice. 
- [ ] I am also prepared to pursue cilvil litagatioubder XXXX XXXX XXXX and XXXX for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court cost XXXX be imposed. 


I expect this matter to be handled with the UTMOST URGENCY and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I made an online transfer from a XXXX XXXX savings account to Citibank on XX/XX/XXXX at XXXX XXXX 
It is now Wednesday, XX/XX/XXXX at XXXX XXXXXXXX and the money has still not deposited. 
I have called numerous times about this, and they set a " fraud alert '' on my account. 
I can not move or touch any of my money that I tried to transfer, and I can also not touch/use any of my money in my checking account with Citibank. 
I called and talked to at least 5 representatives at Citibank who were extremely unhelpful and rude. I was lied to ... '' we'll call you back in 3 hours, '' and dismissed numerous times. 

They told me to call back in a few days to see if we could resolve the issue. 
I have called back and no one will help me. 
From what I understand, this is a common practice for Citibank. 
I will never use them again.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
This company calls daily multiple times a day starting in XX/XX/year> and emails twice a week earliest date being XXXX I have asked them to stop the emails and the calls and they still email me twice a week along with calling before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
b'I am submitting a formal complaint regarding inaccurate and unauthorized items \nappearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it cannot be substantiated with full documentation and proof of ownership\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency XXXX only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of Obsolete Information Violation of XXXX XXXX XXXX ( a ) ( XXXX ) Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ), no consumer reporting agency XXXX make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information XXXX XXXX XXXX ( a ) ( XXXX ) Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC failed to make XXXX XXXX tax payments in XXXX years XXXX & XXXX resulting in collection attempt by XXXX XXXX tax collection agency which put my property at risk. Tax payments were disbursed from escrow account in XXXX and XXXX but were refunded, PNC then issued XXXX  checks and not explaining what those checks were for, creating a misunderstanding of the fund. PNC then raised monthly mortgage/escrow payment claiming there was a shortage ( while issuing XXXX  checks ) and yet couldn't pay property tax at all. 
When reported, PNC overdrawn my escrow account by {$20000.00}, using the escrow fund to pay for late fee and collection penalty fee, then amortized the shortage in escrow over XXXX  years. These are XXXX  violation, misuse of escrow balance and failure to inform the customer of how escrow fund is used as well as mismanagement of escrow account. 
PNC also issued XXXX in XXXX and XXXX reflecting wrong property tax paid amount because property tax was never paid in those XXXX  years. 
I believe these are systemic errors caused by PNC bank. 
A XXXX  letter was sent to PNC and received on XX/XX/XXXX but the bank blamed the issue on builder reporting wrong parcel info and denied any responsibility. 
I'm not short XXXX XXXX XXXXue to PNC mismanagement of escrow and am put at risk with federal tax filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Harvard Collection Services , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Deletion Demand for Accounts # XXXX {$6400.00} & {$2500.00} To Whom It May Concern, This letter is a formal and legal dispute of the collection accounts being reported under account number XXXX XXXX with XXXX separate balances : {$6400.00} and {$2500.00}. These accounts are being reported in a manner that appears duplicative, inaccurate, and possibly unlawful. 

As required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you must provide full and complete validation of these accounts before continuing to report or attempt collection. 

DEMAND FOR LEGAL VALIDATION AND PROOF OF AUTHORITY You are now legally required to furnish : A copy of the original signed contract showing that I am legally responsible for this debt A complete itemized payment history for each balance A bill of sale and assignment documents proving the legal transfer of ownership from the original creditor to Harvard Collections A full chain of title with dates and signatures from each party involved in the debt transfer The original date of delinquency to determine whether this debt is outside of XXXX XXXX of limitations Per XXXXXXXX XXXX XXXX, the statute of limitations for most consumer debt in Illinois is 5 years. If either of these debts are beyond that time frame, they are legally uncollectible and must not be reported to the credit bureaus. 
You are currently reporting XXXX separate balances under the same account number, which raises legal concerns of inaccurate duplication and intentional misrepresentation, both of which violate : FCRA 609 ( a ) ( 1 ) Right to full file disclosure FCRA 611 Duty to investigate and delete unverifiable information FCRA 623 Obligation to report accurate data FDCPA 809 ( b ) Requirement to cease collection until proper validation is provided 15 U.S.C. 1681s-2 ( b ) Duty to correct and delete inaccurate information FINAL NOTICE : 15 DAYS TO COMPLY You are granted 15 calendar days from the date of this letter to : Provide legal validation of both accounts Delete these accounts from XXXX XXXX XXXX XXXX if you can not validate Remove any duplicate or false reporting tied to account XXXX XXXXXXXX If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the XXXX  Attorney General. I will also pursue legal action for FCRA/FDCPA violations, defamation, and emotional distress. 

This is not a request. This is a legal demand. Comply immediately or prepare for further action. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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