vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
I submitted a school misconduct application on XX/XX/XXXX to XXXX I received an email back from Mohela saying they will look in to my application and my loans will be in forbearance for the time being. My loans were never put in to forbearance. I am getting harassed daily by Mohela. They call on different numbers, DEMANDING I call back and my credit score will be affected because they are going to report my missed payment. 

They need to review my application and take the proper time in doing so. My loans need to be re corrected from the past two months too. 

I have sent another email on XX/XX/XXXX asking why my loans are not in review and I have not recived any information. They did send an email back saying they did receive my email and I will get a response soon. 

This company is nothing but a harressing consumers and threating behavior. 

I am not being treated fair and they need to take the time to look over my application For my private student loans on a FOR- PROFIT school that is already in many different lawsuits due to it being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, @ XXXX hours, the XXXX XXXX XXXX XXXX XXXX XXXX served, " XXXX XXXX - Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Levy, in the Approximate Amount of $ XXXX. '' For the past week, Manager ( s ) XXXX XXXX, XXXX ( Refuse to Provide Last Name ) and XXXX ( Also Refuse to Provide Last Name ) have " Willfully, Intentionally and Deliberately, '' refused to resolve and cooperate with me and the CHASE Department 's Court Order & Levy Department, although they allege cooperation, but acknowledge unlawful acts on the part of CHASE Employee ( XXXX ). 

According to California XXXX, " Bank Levies, '' are to be Served IMMEDIATELY and within the SAME DAY to " Protect the Funds Being Transferred or Withdrawn from the Debtor. '' However, despite the alleged allegations that this Branch had SENT the Bank Levy to the Court Order & Levy Department, the Legal Department DENIES the Branches allegation of having sent the Levy and though members of the branch allege received a Confirmation. To date, XX/XX/year> ( 14 Days & XXXX Weeks Later ) there has been an Extraordinary Run Around from the Management... i.e.. " We are contacting them now ; Their Hours Vary ; We will contact them on Monday- it's Friday... etc. '' More important & again, the " Court Order & Levy Department FULLY Denies ANY Bank Levy Being Sent, despite the number of representatives contacted in the Legal Department.

NOTE : Chase Bank had been SUED Several times for " Intentionally, Willfully, and Deliberately Covering & Concealing Funds & Allowing the Debtor Opportunity to WITHDRAW AND/OR TRANSFER FUNDS, which " Harbors Fraudulent Crimes to Occur. '' Chase becomes an Accessory to Harboring & Concealing Funds. These actions on the part of CHASE are " Fraudulent & Unlawful, '' which give rise to a CLASS ACTION LAW SUIT IN FEDERAL COURT. There have been WIDE-SPREAD Law Suits Against Chase Bank for `` Fraudulent Acts. '' I have become a Victim of Fraudulent & Unlawful Acts on the Part of CHASE Bank Employees.

I am Ready, Willing, and Able to take these actions to the Media for Public Awareness, however, seek your assistance in resolving this matter immediately. 

I also seek a Damage ( XXXX ) in the amount of $ XXXX for the " Intentional, Willful, and Deliberate Fraud and Emotional Distress, '' & Criminal Prosecution, for the harboring of felonious fraudulent acts.

Therefore, please assist me in this matter. 

RESOLUTION - DAMAGES : Compensation - $ XXXX for the " Intentional, Willful, & Deliberate Unlawful, Fraudulent Acts, Acts to Cover & Conceal Funds on the Part of CHASE Employee ( XXXX ) & Intentional Emotional Distress. '' An additional $ XXXX for the Writ of Execution Bank Levy PAID in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-25 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:
Subject : Dispute of Unauthorized Collection Accounts on My TransUnion Credit Report To Whom It May Concern, I am formally disputing the following collection accounts that are inaccurately reporting on my TransUnion credit report : XXXX Funding {$1400.00} XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX, XXXX is unlawfully reporting on my TransUnion credit report as they are not licensed to collect debts in the state of California under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their failure to comply with state licensing requirements makes their reporting invalid and unlawful. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws, I demand the immediate removal of these collection accounts based on the following legal provisions : 15 U.S.C. 6802 This statute protects consumer privacy and restricts the unauthorized sharing of financial information.

15 U.S.C. 1692 ( c ) C The Fair Debt Collection Practices Act ( FDCPA ) prohibits unauthorized communication and reporting of accounts that are in violation of collection regulations.

31 U.S.C. 5118 This federal law upholds financial accuracy and prohibits unauthorized financial transactions, including improper debt reporting. 

In accordance with these consumer protection laws, I request TransUnion to : Conduct an immediate investigation into these accounts. 

Provide verifiable documentation proving that these debts are valid, collectible, and that XXXX XXXX, XXXX is legally authorized to report them. 

Permanently remove all three collection accounts from my credit report if verification can not be provided. 

Provide written confirmation of the deletion of these accounts from my TransUnion credit report. 

Failure to act accordingly will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office. 

I expect a prompt response and resolution of this dispute within the legally required time frame under the FCRA. Please update my credit report and provide me with written confirmation once this matter has been resolved. 

Sincerely, 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 2025-03-25 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: CA

Complaint narrative:
I am a United States XXXXXXXX XXXX. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, California Real ID and my XXXX  XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
After trying to get my credit report for free the answers didn't line up so I wrote in and sent the information they asked for. Social security card and drivers license to prove my identity. I just XXXX XXXX another letter requesting the same thing again and when I call the consumer number the automated voice thing will not put me through to a live person so that I can resolve this problem. I have tried for 5 years to get it done! I just started my own business and I would like to apply for loans and this is a serious hindrance to my progress.

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 2025-03-26 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: NY

Complaint narrative:
I demand the swift deletion of these unauthorized inquiries from my credit report, as they are adversely affecting my ability to secure financing and access credit opportunities. Additionally, I expect prompt confirmation or relevant supporting documentation once this issue has been rectified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
ON XX/XX/year> I MAILED A PACKET TO EXPERIAN ABOUT XXXX BANKRUPTCIES THAT ARE BEING REPORTED ON MY CREDIT REPORT THAT ARE NOT MINE DUE TO XXXX XXXX. EXPERIAN RECEIVED THE DOCUMENTS ON XX/XX/year> PER THE TRACKING RECEIPT. 

AS OF XX/XX/year> EXPERIAN HAS NOT RESPONDED NOR TAKEN THE BANKRUPTCIES OFF OF MY REPORT. PER FCRA SECTION 605c : Consumer Reporting Agencies have up to 4 business days upon receipt of the Submission to temporarily block the identified Adverse Information from Consumer Reports. 1022.142 ( e ) ( 1 ) EXPERIAN HAS NOT COMPLYED WITH THE TIMEFRAME. PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT

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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Response to Nelson & Kenner LLP on XX/XX/XXXX Re : Debt Validation Request To Whom It May Concern, I am formally requesting validation of the above-referenced debts, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This request is not solely a dispute but a fact-finding inquiry to ensure accurate record-keeping on my end as well. 

Please provide the following information concerning the accounts in question : The date of first delinquency. 

The date of the last payment made. 

The official charge-off date. 

Documentation verifying the debt, including the original creditor 's name, address, and contact information. 

A copy of the signed agreement that legally binds me to the alleged debts. 

A detailed account history, including all payments made, fees applied, interest accrued, and the date of the last payment. 

Proof of the creditors legal ownership of the debts and the chain of title if the debts were transferred or sold. 

Evidence that your company is authorized to collect on these debts. 

Copies of any correspondence allegedly sent to me, including the letters you claim were mailed in XX/XX/XXXX. 

Additionally, I request the immediate cessation of all collection activities, including phone calls and correspondence, until the debts are fully validated. 

Failure to provide proper validation within 30 days of receipt of this letter will constitute a violation of the FDCPA. I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

Furthermore, I reserve my right to dispute these debts and pursue legal remedies should your collection efforts continue without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I was permanently limited by PayPal without reason. Wont tell me why or offer a follow up review to maybe get it sorted out. I have read all of their user agreements and I cant find anything I could have done to cause this ban. I have used Paypal for XXXX  years only using for online purchases. Nothing I have done has changed so I am at a loss as to why I can no longer use their services. Reference ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX or a XXXX as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax continues to report a XXXX XXXX XXXXXXXX account ( # XXXX ) containing multiple material errors. Examples include : Credit limit listed as {$0.00}, whereas others report {$200.00}. 

High credit shown as {$340.00}, but XXXX reports {$0.00}. 

Contradictory dates for account activity and payment history. 

These inconsistencies violate my rights under : 15 U.S.C. 1681e ( b ) Accuracy failure, 15 U.S.C. 1681i Lack of proper reinvestigation, 15 U.S.C. 1681s-2 ( b ) No valid investigation by the furnisher, 15 U.S.C. 1681i ( a ) ( 7 ) No disclosure of investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I purchased a computer from DELL a year ago on my DELL credit account. I have been making payments since then on monthly basis. In XXXX I was notified my account was delinquent for XXXX and XXXX payments. At some point in the past year DELL turned its financial services over to COMENITY BANK. I was not aware of an account number change. They claim they never received my payments for which I sent them proof of payment. All payments went to same account number to-date! They have charged me $ XXXX late fees that I was unaware of because I am paperless. I have paid {$6.00} less than {$1000.00} the past year, way over the amount I purchased and have no reason from Comenity for this overpayment and notification of paid in full. They are taking 90 days to figure out what is wrong while at the same time they have ruined my tenuous credit with the credit bureaus. I am XXXX and the need for computer has taken bite out of my budget. COMENITY IS THE MOST VICIOUS AND GREEDY INSTITUTION IN THIS COUNTRY. SOMETHING NEEDS TO BE DONE ABOUT THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to XXXX XXXX Equifax with urgent request to removed Fraudulent information under section 605B of the FCRA, They return my request as if they did not see any information on my report at all, second they ask for my ID and proof of address which was send with the original documents I re forward they requested information and the fraudulent is still on my report stopping me from living a whole life blocking me from being able to sustain myself of my family. 
incorrect names : XXXX XXXX XXXX XXXX ( Not me ) XXXX XXXX XXXX ( not me ) XXXX XXXX # XXXX, Fraud dispute in XXXX, still on my report. 
XXXX XXXX XXXX XXXXXXXX, {$9200.00} FRAUD disputed in XXXX still on report XXXX XXXX XXXX XXXX XXXX {$1100.00} FRAUD disputed in XXXX still on report. 
XXXX XXXX # XXXX FRAUD {$1400.00} disputed in XXXX still on my report. 
FALSE INQUIRIES XXXX XXXX, XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax continues to report a XXXX XXXX XXXXXXXX account ( # XXXX ) containing multiple material errors. Examples include : Credit limit listed as {$0.00}, whereas others report {$200.00}. 

High credit shown as {$340.00}, but XXXX reports {$0.00}. 

Contradictory dates for account activity and payment history. 

These inconsistencies violate my rights under : 15 U.S.C. 1681e ( b ) Accuracy failure, 15 U.S.C. 1681i Lack of proper reinvestigation, 15 U.S.C. 1681s-2 ( b ) No valid investigation by the furnisher, 15 U.S.C. 1681i ( a ) ( 7 ) No disclosure of investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has been accruing late fees and interest charges on a credit card that it has not given me access to online for the past year since XX/XX/scrub> 2024. This card was a replacement for a previous personal credit card that I used. That old card number is what I have been seeing online for the past year, with a XXXX balance. This failure to transfer to replace an old credit card number with a replacement has happened in the past, and XXXX other business credit cards currently show the wrong card number online, though ostensibly the correct transaction history and balance. Previous customer calls have informed me that this is sometimes the case, but to simply treat the information online as accurate regardless of the number displayed. 

I recently realized there was an issue with this personal credit card when I received notifications from a recurring subscription charge that it was being declined. When I called Chase to see what was going on, it turns out that the card in question is over its limit and there were {$12000.00} in unpaid charges and interest that I was unaware of. I have called Chase to resolve this issue and get any late charges erased, to examine any erroneous charges, and to negotiate a resolution regarding accrued transactions which I wasn't aware of placing. I've been bounced back and forth between Chase 's customer service and the fraud department. All of the agents I've spoken to have claimed that this is not their department 's responsibility and continue to send me back and forth between departments. I recently spoke to a supervisor who was unable to get even the late fees waived, even though I had been unaware of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: WV

Complaint narrative:
On XX/XX/year> I called credit sage to get my debt settled. The representative told me that he would get it settled. I paid {$200.00} to have this done. I called the collection agency to see if my debt had been paid off and they told me no. So I called credit sage back and they told me they repair credit not settle debts. I asked for a refund and was told no. This is not fair to do this and miss lead people of their services. I am highly upset with this scam company and their misleading tactics.

Company response to consumer: Closed with explanation