vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
MOHELA is my loan servicer and they never answer the phone lines and have students wait for 6 hours or more or all day even and never reach back out. They are constantly trying to charge me yet I am in school which means I qualify for an in school deferment and when they did reach back out they continued to charge me but told me my account will be deferred for the summer semester of 2025 yet I am enrolled for spring 2025 so theyre putting late fees on my account. This is the 2nd year they have done so and I am personally sick of them doing this to me, this has the potential to ruin my credit which I dont even have yet. I am sick of MOHELA they barely provide help let alone information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for the account is reporting accurately including every notation, date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late. Please update my payment history to PAANL status ( Paid as agreed, Never late ) according to consumer protection laws.

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 2025-03-19 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: MD

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for the account is reporting accurately including every notation, date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late. Please update my payment history to PAANL status ( Paid as agreed, Never late ) according to consumer protection laws.

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 2025-03-19 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: MD

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for the account is reporting accurately including every notation, date and balance whether reported or not.

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late. Please update my payment history to PAANL status ( Paid as agreed, Never late ) according to consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a XXXX XXXXr so I get a lot of deposits along with other odd jobs that pay me direct deposit but they have been posting amounts in my account like it's available and then later charge me a overdraft fee for funds that should be available then I later have to pay fees for money that should have been available now I'm paranoid because I feel like they are mismanaging my account and I'm scared to leave money in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
As the Executor of the trust account associated with this account, I have the legal right and fiduciary duty to ensure that the information reported is accurate and in compliance with applicable consumer protection laws. 

To address the issue, I first opted out of the sharing of my personal nonpublic information with the company, its partners, and affiliates. As of [ Insert Date ], I rescinded my consent for the company to share any private financial data with third parties, including credit reporting agencies, in accordance with the XXXX XXXX. 

Following this, I demanded the immediate removal of the inaccurate late payment entries from my credit report. These entries did not reflect my true payment history and were causing harm to my financial standing. 

I gave the company 30 days to address both issues : To remove the inaccurate late payment entries from my credit report. 
To cease sharing my private financial information with third parties. 
Unfortunately, the company has failed to respond or resolve these matters within the requested time frame. As a result, I am now seeking your assistance to ensure that my rights are enforced and to compel the company to correct the inaccurate information on my credit report. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute 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
Consumer complaint received 2025-03-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
They won't send me a replacement debit card. My other card was lost while moving from one address to another. 
XXXX, the XXXX XXXX XXXX for Direct Express, says he has tried to call me, which he has never done. 
I just need a replacement debit card sent to me and he has been stalling and misleading me to believe he is going to help. 
I have been a Direct Express customer ( Comerica Bank ) since 2014. I have never had a problem with Direct Express sending me a replacement card in the past until now. 
No reason has been given to me by the Direct Express staff or XXXX the Advocate for Direct Express, as to why a replacement card has not been sent to my current address in XXXX, California. 

My XXXX funds are being held XXXX by XXXX and his team at Direct Express, a subsidiary of Comerica Bank. 

Please help me. 

XXXX XXXX XXXX XXXX c/o XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: AR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Inaccurate Collection Account on My Credit Report - Investigation Request I am filing a dispute regarding an inaccurate collection account appearing on my credit report. This account is being reported to : OPORTUN/ PROGRESO FINAN, with account number : XXXX, and is considered incorrect for the following reasons : The account has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have requested validation of this account from the credit bureau, but they have not provided sufficient evidence that this debt is valid and belongs to me. The presence of this account on my credit report is negatively affecting me, so I request its immediate removal if it can not be verified with legal documentation. I have attached a formal dispute letter along with supporting documents. I request that the CFPB investigate this matter and ensure that the credit bureaus and the collection agency are in compliance with the FCRA. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Larry H. Miller Group of Companies
State: MO

Complaint narrative:
Car was totaled out by insurance and collection started after I didnt pay car note

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Synovus Bank
State: MN

Complaint narrative:
In about XXXX, I deposited {$3000.00} into an IRA with XXXX XXXX. 
I lived in XXXX, XXXX. at the time and I never withdrew or received dividends outside of the account. Every proceed would have rolled over into the account. 
I presently live in XXXX On XXXX XX/XX/XXXX, I learned that XXXX XXXX no longer exists. I contacted the current owner of the bank- Synovus. A representative noted they have no record of the account, but accounts inactive for 7 years would be turned over to the State as unclaimed property. I contacted the Treasury department for Unclaimed property and learned on XXXX XX/XX/XXXX that an IRA would not have been turned over to the State for tax reasons. I then contacted Synovus again with this new information. The Synovus representative said she knew of cases where an IRA was turned over to the state. 
Somewhere, the integrity of my funds I deposited was lost. 
The original bank has changed hands a number of times, but my SSN has not changed and should be traceable as attached to my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MO

Complaint narrative:
I wound like to File a complaint to dispute some inaccurate and unverifiable information from my address characteristic section/personal information. Re Ive filed a dispute experience refuses to investigate instead they keep coming back saying verified. 
I am disputing XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The inaccuracies on my report are making it difficult for me to move forward. These mistakes are unfairly hurting my scores and creating unnecessary obstacles.

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 2025-03-19 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: MD

Complaint narrative:
I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 
XXXX, my student loan provider, has not responded to my initial request for 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 
XXXX, my student loan provider, has not responded to my initial request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 
XXXX, my student loan provider, has not responded to my initial request for 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against [ Name of Credit Card Issuer ] regarding repeated issues with payment processing, unfair late fees, interest charges, and the locking of my account. Despite my repeated attempts to resolve these issues with the company, the problem persists, and I have been unfairly penalized. 
Account Details : Credit Card Issuer : Bread Financial \ Comenity Capital Bank Account Number 4 last digits : XXXX Issue Summary : Payment Failures : I consistently schedule payments to be made when my account is fully funded. However, their system has repeatedly failed to process payments correctly. For example, I made a payment of {$4.00}, but it was marked as " returned, '' even though my bank account had sufficient funds at the time of the transaction. I have attached statements showing multiple instances where payments were marked as returned, causing confusion and financial strain. These errors led to an increase in my balance from {$4.00} to {$74.00} due to additional fees.

Account Locking : On one occasion, I attempted to make a payment and discovered that my account had been locked. When I contacted customer service, I was told that I needed to pay the bill, wait 2-3 days for the payment to process, and then the account would be unlocked. I complied to prevent additional issues, but despite following these instructions, my account continued to experience problems. After paying to unlock the account, I was still penalized with fees.

Unfair Fees : Due to these repeated payment failures and the locked account, I have been charged multiple late fees and interest charges. Each time a payment is returned, I am hit with additional charges, which I feel are unjust considering the circumstances. I have been charged $ {$22.00} in late fees and {$2.00} in interest charges, even though I have consistently tried to make payments in good faith. I have contacted the issuer about these charges multiple times, but they have refused to remove or reverse them.

Bank Involvement : The credit card issuer has accused my bank of not processing payments correctly, but my bank has confirmed that the payments were successfully processed. Despite this, the issuer continues to apply late fees and interest charges without providing a clear explanation or resolution.

I paid the amount of {$10.00} the initial amount of {$4.00} which was another left over from a previous payment, and whatever left is the unfair amount they want me to pay. note that i didn't purchase anything for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-19 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: IN

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>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