vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I am writing to express my deep concern regarding a sudden and unexplained increase in my student loan paymentfrom {$320.00} to over {$900.00} per monthdespite having submitted all required paperwork and staying current with my obligations. 

I have made numerous attempts to contact MOHELA to understand and resolve this issue, but the experience has been extremely frustrating and unproductive. The typical wait time exceeds three hours, and when I finally reach a representative, I am frequently transferred back into the queueoften to a longer wait than beforebecause I need to speak to a different department. On one occasion when I asked not to be transferred again, the representative responded with hostility and informed me that " this is just how the phone system works. '' As a 21-year veteran educator trying to responsibly manage my loans, I find this situation unacceptable and deeply discouraging. I respectfully request : A formal review of my account to determine the reason behind the drastic increase in payment. 

Immediate assistance to verify and correctly apply my Income-Driven Repayment ( IDR ) documentation.

A long-term resolution, including the possibility of transferring my account to a servicer that can provide a basic and functional level of customer service. 

I am more than willing to cooperate fully to resolve this issue but can not do so if I can not reach someone willing or able to assist me. I would appreciate your prompt attention and assistance. I have contacted federal student loans and they have told me the information that mohela has given me is incorrect. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is completely unacceptable and a blatant violation of my consumer rights. A previously deleted account ( XXXX XXXX XXXX, Account # XXXX ) has been reinserted into my credit report without any written notice or explanation. When I reviewed my consumer report in XX/XX/year>, the account was no longer there now it has been added back in as if it was never removed. This is not just carelessness ; its a willful, deceptive, and harmful act. Equifax has violated multiple provisions of the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), they are required to notify me in writing if any deleted information is reinserted, which they failed to do. They also violated 15 U.S.C.

1681e ( b ) by failing to maintain the maximum possible accuracy of my file, and 15 U.S.C. 1681b for reporting information without any permissible purpose. Ive disputed this account multiple times, and their failure to permanently remove it shows willful noncompliance. This has caused serious damage to my credit and ongoing emotional distress. I demand the immediate and permanent deletion of this account and expect penalties of up to {$1000.00} per violation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. AN BE TAKEN OFF 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I disputed the information with XXXX and the credit bureaus. Its still being reported as charged-off with negative history even though Ive tried to resolve it. This is inaccurate and not XXXX XXXX compliant. Ive now sent a Notice of Intent to Arbitrate and plan to file through XXXX. I am seeking that the tradeline be updated to paid or settled in full with no derogatory remarks and all negative info removed, while retaining the positive age/history.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
A mistake was made when I paid my plumber {$40000.00} on XX/XX/2025. The correct amount was {$1400.00}. When I click submit my Chase Sapphire Credit Card approved the transaction. My credit limit is {$33000.00}. I paid the plumber the correct amount {$1400.00} on XX/XX/2025 with my other Chase Freedom Credit Card. I have spend numerous amounts of phone calls with Chase also I have made to visits to the local Chase Branch in XXXX, Rhode Island. After nearly three months I have not been able to resolve the situation. I have submitted all the paperwork Chase have requested, including a detailed receipt from XXXX XXXX XXXX with the Voided transaction for {$40000.00} on XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this second, supplemental complaint regarding my American Express credit card account ending in XXXX. This complaint relates specifically to what amounts to a constructive freeze of my credit account, which was implemented without any prior notice, explanation, or opportunity for response. 

Following the sudden and unexplained initiation of a review process by American Express ( as addressed in CFPB Complaint ID : XXXX ), I was subsequently informed that my credit limit had been unilaterally reduced to match the outstanding balance, thereby leaving no available credit. While Amex did not formally close the account, this maneuver had the practical effect of freezing access to the account and rendered the credit line unusable. 

This action was : Not preceded by any formal notice or adverse action letter, as required under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) ; Not supported by any disclosed reason, despite my requests ; Not accompanied by any explanation of a path for review or reinstatement. 

This arbitrary reduction to a 100 % utilization ratio will likely harm my credit score and may be construed as retaliatory, particularly since it occurred shortly after my initial CFPB complaint was filed and acknowledged by Amex. 

I have attempted to resolve this directly with American Express and submitted both a certified letter and email correspondence reiterating my requests for : Disclosure of any information or third-party reports used ; The opportunity to respond and be heard ; Confirmation that no negative credit reporting has occurred as a result of this action ; Reinstatement of my original credit limit.

To date, Amex has failed to provide any meaningful or legally compliant response. Their representatives have stated that no further contact beyond one assigned agent is possible and have refused to confirm any communication in writing, leaving me with no viable means to document or validate the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My information has been breached in my privacy has been violated section 15 USC 16815

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 20 late payment entries from Nelnet, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondence-I did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. 

Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a FERPA violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent.

I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. 

Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 

2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving Nelnet raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, Nelnet may have incorrectly or fraudulently reported late payments that I did not actually incur. 

3.Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: ME

Complaint narrative:
I discovered this account on my credit report and made several attempts to dispute it using Experian and was unaware i needed to file fraud claims to get this resolved as i did not open this account. I contacted Jefferson Capital Systems , LLC and they told me they cant provide any information as they sent this to another credit collection company they use, I then contacted the number they provided to me and again same situation they could not provide any information about this account just that I owe them money and they refused to assist me any further until the debt was paid. During one of my attempts to contact them the person i spoke with was extremely rude and used abusive language and then hung up on me. I tried calling Jefferson Capital again to report what happened and they refused to assist me and I tried to explain to them this account was not mine and I had no knowledge of it. I have had XXXX previous XXXX accounts that was in good standings and was paid on time and in full, I had no reason to obtain another account as I decided not to shop with XXXX any longer. 
This is the second dispute I have with Jefferson Capital Systems , LLC regarding my credit report and they will not assist me with either account or provide any information or proof that these accounts belong to me.

I am requesting that you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I am also requesting that you notify the furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your letter & call dated XXXX & XX/XX/year>, regarding an alleged debt. Please be advised that I am requesting validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the California XXXX Fair Debt Collection Practices Act. 
Please provide me with the following : XXXX. The amount of the alleged debt ; XXXX. The name of the creditor to whom the debt is currently owed ; XXXX. Documentation proving I am legally obligated to pay this debt, including a copy of the original signed contract or agreement ; XXXX. A full account history showing how the alleged amount was calculated ; XXXX. The name and address of the original creditor, if different from the current one ; XXXX. Proof that your agency is authorized to collect in the state of California.

Please be advised that until this information is provided, I will consider this matter disputed and request that you cease collection efforts. Furthermore, any attempt to report this alleged debt to credit bureaus without validating it may constitute a violation of the FDCPA and California law.

I request that all communication be in writing only. Please do not call me. Please do not email me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/year>, I purchased an annual subscription to an application called XXXX. Before completing the purchase in my Chase credit cardaccount, I selected an offer which was for 100 % cash back for an annual subscription to this service if purchased prior to XX/XX/year>. Within the Chase application after applying the offer to my credit card, there was an option to click a link that redirected users to XXXX. I clicked on the link and the XXXX application opened on my phone. Within the XXXX app, I purchased the annual subscription with XXXX XXXX, which is directly linked to the Chase credit card account, for which this offer was applied. The purchase for {$69.00} posted to my Chase card on XX/XX/year> as XXXX XXXX XXXX The Chase offer, which should automatically apply to the purchase and reimburse 100 % of the purchase, did not activate. I called Chase, now on three occasions, to discuss this matter, and Chase is informing me that even though I followed a link for the XXXX XXXX  directly from their application and used XXXX XXXX  which is directly linked to my Chase credit card they will not honor the offer because the purchase had to be made with my Chase credit card. The offer and means of purchase was misleading. A Chase customer service representative informed me he had spoken to another customer who had this same issue, so clearly customers are confused as to why a link from the Chase application to the XXXX application, and then use of XXXX XXXX linked to the Chase credit card is not triggering the refund. Notably, the offer is still available through the Chase application with the same link and set up. How would customers be reasonably expected to know that making the purchase through XXXX XXXX, when XXXX XXXX is linked to the Chase credit card in question, would not trigger the reimbursement? This is bad practice and misleading to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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