vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have federal student loans with Mohela as my servicer. Mohela has consistently avoided responding to my emails and has refused to processed my income driven repayment application in a timely manner. 

XXXX. In XX/XX/XXXX, I consolidated my loans with the intention to enroll in the SAVE IDR plan. However, court litigation prevented my enrollment and I requested with Mohela to be placed into a processing forbearance. Mohela put me in a forbearance but did not specify if it was a processing forbearance and my loans continued to accrue interest due to this. I also did not earn XXXX credit which was the reason why I wanted to stay in the processing forbearance. Then, I tried to switch into the XXXX XXXX plan in XX/XX/XXXX so I could start making payments on my loan and also accrue credit for XXXX. 

XXXX. I called Mohela on XX/XX/XXXX to switch into the XXXX plan and the XXXX customer service representative, XXXX ID : XXXX, told me that I would need to wait for the processing to be complete. In the meantime, I would be removed from forbearance so my application could be processed in a timely manner. I emailed Mohela on XX/XX/XXXX requesting that I have this information provided to me in writing and to process my application soon since I had an upcoming payment, but they have not responded to my emails as of XX/XX/XXXX ( 11 days from initial email ). Since I was removed from SAVE forbearance, they have me on the standard repayment plan now with a monthly payment I can not afford and it is due XX/XX/XXXX. I absolutely need to be on an IDR plan otherwise I can not afford to start repaying my loans. Mohela has been extraordinarily unhelpful through this process, in that they have not emailed me back AND they put me on hold whenever I call for nearly XXXX hours at a time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
There are fraudulent items on my credit report resulting from the unauthorized use of my personal information, and I have not benefited in any way from these transactions. Fully understanding the seriousness of the situation, I immediately reported the fraud to the Federal Trade Commission, hoping for a swift resolution. However, despite taking all the proper steps and notifying the appropriate authorities, these unauthorized items remain on my credit report. The continued presence of these fraudulent entries is not only frustrating but deeply disheartening. I am forced to deal with the unfair consequences of someone else misusing my information, which is taking a toll on both my financial stability and emotional well-being.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
XX/XX/XXXX I looked at my report. I sent a letter to experian, transunion and XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts : portfolio recovery twice XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX transunion XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-01-21 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: GA

Complaint narrative:
Experian charged me monthly to monitor my credit report with all three bureaus Experian XXXX and XXXX. They reported mis information on all yet my credit score did not increase with any of the bureaus. Yet they changed monthly for mis information.

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 2025-01-21 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: TN

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has already filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Disputing the accuracy and handling of my credit report as per the fair credit reporting act. Referencing to the renlcent lawsuit XXXX  against Experian for significant failures to follow proper dispute investigation protocols

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 2025-01-21 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: TX

Complaint narrative:
Reporting information without my consent! 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffilated third party unless..

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other : B ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 40R18 U.S.fCode 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years 15 U.S. code 6802, you have violated this law by transferring and sharing my non public information without giving you me 3 disclosures by not allowing me to opt out and or give consent

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Scammed {$70.00} via XXXX through navy federal credit union and was not able to file a claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: RI

Complaint narrative:
On my Discover account which was opened in XXXX of XXXX, my credit report is not showing payments made from when I opened the card through XX/XX/XXXX. This is now making my credit age look like less time then it is. It shows 11 months as my credit age when it should be 1 year and 7 months. This affected my credit score as well in XXXX of XXXX when these payments made to Discover just disappered. 
I spoke with Discover on the phone and they have verified in thier system that all payments made each month ( sometimes 2 payments per month ) are showing in thier system. 
Please contact me about this issue so we can resolve it. 


My phone number is XXXX I appreciate your help with this matter and would love to rectify this situation asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Unfortunately, I have fallen victim to identity theft, as unauthorized individuals have gained access to my personal information, compromising my security and resulting in fraudulent activities being conducted under my name. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$1100.00}, XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$36000.00}, XXXX XXXX XXXX  under the account number ( XXXX ) a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and XXXX XX/XX/XXXX ( XXXX ) XXXX on XX/XX/XXXX under the account number ( XXXX ) and a Checking/Saving account at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) that appears. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report XXXX XXXX on XX/XX/XXXX. I've 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 as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a new property identification number ( PIN ), also known as a parcel number, for my property with the address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX had assigned me the PIN number of XXXX. On XX/XX/XXXX I contacted Citizens Bank to give them the new PIN mentioned above. This new PIN should help estimate taxes better than the current PIN on my file. This new PIN will also help Citizens Bank pay XXXX XXXX the proper taxes on the proper PIN for me. On XX/XX/XXXX I received a new escrow analysis with the estimated annual taxes of {$25000.00}. Suspicious, I looked up the previous PIN XXXX. This previous PIN on the profile was when the property is classified as an industrial building with a different tax code. I immediately called Citizens Bank on XX/XX/XXXX and spoke with a different representative regarding this issue. Their internal notes and profile noted that on XX/XX/XXXX I had contacted them to update the PIN number on file to the new one XXXX XXXX had assigned me, yet they have failed to do so as the current PIN on my mortgage was the old PIN of XXXX and not the new PIN of XXXX. The representative I spoke to on XX/XX/XXXX said he will notify his superior and have this taken care of by XX/XX/XXXX yet as of writing this and submitting my complaint, my escrow analysis still shows an estimated taxes of {$25000.00}, with the first payment of taxes due by XX/XX/XXXX. I called backed XX/XX/XXXX and was directed that the taxes and escrow will update on XX/XX/XXXX. It is now XX/XX/XXXX and I spoke to another agent today that acknowledged that the request is still open and that my request will be completed on XX/XX/XXXX. Based on this trend Citizens Bank is deferring completing my initial request since XX/XX/XXXX and will always circle back with having my request completed by the end of the week. Attached below are the different PIN numbers with the same address, yet one is classified as an industrial property and another one is classified as a single family home. Please note, I live in a single family home and not in an industrial building. This situation will be causing me tax problems and complications if Citizens Bank paid XXXX XXXX the wrong property tax under the wrong PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : XXXX. A copy of my Social Security card XXXX. A copy of my government-issued ID XXXX. Proof of address ( utility bill ) XXXX. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved

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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
XX/XX/XXXX- I applied for XXXX. Submitted employment certification from XXXX XXXX XXXX XXXX XXXX covering employment from XXXX. 

XX/XX/XXXX - PSLF payment tracker showed XXXX/XXXX qualifying payments. 39 months from XXXX were missing ( not eligible/ineligible - just missing entirely from account ). FSA advised that this would be corrected under one-time XXXX adjustment. 

XX/XX/XXXX - No update to account. Followed up with FSA in regard to the one-time adjustment. Was advised that the reason the months were missing was because I DIDN'T HAVE LOANS UNTIL XXXX ( despite graduating in XXXX ). Advised to reach out to provide documentation of the EXISTENCE of my loans and their repayment status during the missing months. 

XX/XX/XXXX - Submitted proof of loans and status ( economic hardship forbearance ) from XXXX to FSA along with a complaint. In all, four complaints were closed with no reason or resolution. My FSA records were not updated. Payment counts were not adjusted. Advised that my next step was to " just wait '' for the adjustment which would occur by XX/XX/XXXX. 

XX/XX/XXXX - Followed up with FSA. Was advised that the missing months were the result of a system error that would NOT be corrected by the one-time adjustment. Advised to submit reconsideration request and documentation of my loans during the missing months. 

One week later - Reconsideration closed with no resolution or reason. 

XX/XX/XXXX - Per the advice of FSA, submitted another reconsideration request. 

XX/XX/XXXX - Received notification that the one-time adjustment was complete. The months missing from my counts were NOT corrected. Told by FSA that the missing months qualify and should be accounted for in my counts, and to just keep waiting. 

XX/XX/XXXX - FSA rep confirmed that there is a system error impacting my counts and that my reconsideration had been sent for review. She could not provide a timeline for resolution. 

XX/XX/XXXX- Officially been waiting two years and three months for my account to be correctly credited for XX/XX/XXXX through XX/XX/XXXX. My loans were in a temporary economic forbearance for more than 36 months cumulatively. Per law, these months need to be applied as qualifying payments to my account.

Company response to consumer: Untimely response