vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
CFPB Complaint Draft ( MOHELA ) Company : MOHELA ( Missouri Higher Education Loan Authority ) Product : Federal student loan servicing Issue : Problems with repayment plan / income-driven repayment ( IDR ) I submitted an application on XX/XX/year> to switch my federal student loans from the SAVE repayment plan to PAYE. As of today, this application has not been processed, despite being pending for well over 90 days.

I contacted MOHELA multiple times to resolve this issue. A supervisor, XXXX ( ID XXXX ), explicitly confirmed that my application would be processed within 10 business days. That deadline has now passed with no action, no update, and no written communication from MOHELA. 

I subsequently contacted MOHELA again and spoke with XXXX ( ID XXXX ), but the issue remains unresolved. 

This excessive delay is entirely due to MOHELAs servicing failures and is causing potential financial harm, including : - Inability to access the correct repayment plan - Risk of incorrect payment amounts - Risk of interest or forgiveness-related consequences due to servicer delay I have complied fully with all requirements and submitted all necessary documentation. MOHELA has failed to meet reasonable processing timelines and has now missed a supervisor-confirmed deadline.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc.
State: GA

Complaint narrative:
I have been reaching out to Sezzle for quite some time requesting to settle the debt owed with no resolution. I requested for them to provide me information showing the amount I owed for purchases- less fees. They have refused to provide me with a full breakdown of charges I owe less the fees. This company will also not allow me to remove my card information from their application. Every time they attempt to bill me, I accrue non-payment fees. I am requesting they immediately reverse the fees and that the CFPB fully investigate their reporting practices as well as their refusal to provide information of purchases less fees. I made several payments in XXXX, and they've taken those payments and applied them towards fees. I have paid more than enough to settle this balance. I am demanding this be removed from my credit reported and any illegal reporting cease immediately. I demand that there are no further attempts to charge my cards that they will not allow me to remove and that they reverse all fees associated with attempting to charge the card. 
The company will refuse to show a breakdown of my purchases without the fees, which is my right as a consumer. They are subject to legal ramifications as well as investigation by the CFPB for unfair lending and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Company : Selene Finance LP Product : Mortgage ( Conventional ) Issue : Improper handling of loan modification review/ Dual tracking / False credit reporting Your XXXX  XXXX status : Active XXXX  XXXX bankruptcy ( stay lifted earlier, but modification expected ) Complaint : I am an active XXXX  XXXX bankruptcy debtor. Earlier in the year, the bankruptcy judge lifted the stay with the instruction that I work it out with Selene, meaning Selene was expected to negotiate a loan modification in good faith.

Since then, I have repeatedly requested a proper loan modification review from Selene Finance, including : A full breakdown of modification terms A review for a 40-year term An affordability evaluation based on my income Explanation of investor guidelines Written responses as required Selene has failed to provide any complete or accurate response. Instead, they repeatedly sent the same unaffordable trial modification plan ( over $ XXXXmonth ), which does not reflect my financial information and contradicts federal loss mitigation standards. 

Additionally : Selene has ignored multiple written requests Selene has not provided any breakdown of interest rate, term, arrears, or escrow Selene has not explained denials or evaluated all available options Selene added a false credit remark ( paying under a partial payment agreement ) even though I have not agreed to any plan Selene continued foreclosure activity while I was actively seeking loss mitigation I was notified on XXXX __, 2025, that my home has been scheduled for a foreclosure auction in XXXX, despite my ongoing loss mitigation requests. 

This appears to be dual tracking, a violation of Regulation X, 12 CFR 1024.41, because Selene : Did not properly review my loss mitigation application Did not provide written responses Did not provide appeal rights Continued foreclosure actions during active review This situation has caused severe emotional distress and confusion, and Selenes failure to communicate or negotiate in good faith is placing me at risk of losing my home in violation of federal law.

I am requesting : 1. Immediate halt of foreclosure activity 2. A complete and compliant loan modification review 3. Removal of false credit remarks 4. Written responses to all modification requests 5. Oversight to ensure Selene follows federal servicing requirements Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXXXXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/year>

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 2025-12-23 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
My credit card account was sold without my permission I didnt know it was sold until I went to make a payment I never received written notice my account was being closed or sold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-12-23 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-23 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MD

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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
Collections furnisher Hunter Warfield has parked a fraudulent rent debt on my credit report, and I learned of this practice only today, when my application to rent a HUD-subsidized apartment was denied by the owner of the apartment complex. The tenant screening report indicates that my previous landlord XXXX XXXX XXXX XXXX has sold an invalid debt to Hunter Warfield. I have not once been contacted by the collections agency regarding the validity of this debt, I was never informed of my right to dispute this debt, and my consumer rights related to this debt were not disclosed to me. This collections account appears on my XXXX  and XXXX  credit reports, and the collections agency failed to first contact me with validation information of this debt prior to reporting it to CRA. 

The landlord is mistakenly seeking back-rent that is fully satisfied. XXXX eviction settlement agreement contains a term whereby the landlord agreed to waive all past due rent arrears, late fees and legal fees dating backwards from XX/XX/year>. Additionally, our household received XXXX  XXXX state funds totalling nearly {$10000.00}, however the landlord improperly applied these funds to rent arrears that were waived in the settlement agreement from XX/XX/year>. Further rent payments made via Money Orders amounting to {$3500.00} were pocketed by the landlord, as these funds were cashed by the landlord but were never accounted for towards paying rent becoming owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
getting messages on phone by text letters usually on a XXXX  or weekend today letter by mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : LVNV FUNDING LLC - XXXX - 15 USC 1681b permissible purpose of consumer reports- Please delete immediately. 

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 

XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 

FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 

WITHOUT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
i was looking at my credit report noticed a bunch of fraudulent inquires that i never did nor did i give my consent for any of the companies to run my credit here are tbe fraudulent inquires on my report below XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These hard inquiries were not made without my authorization and therefore violates 15 U.S.C. 1681b, as there was no permissible purpose.

Because the inquiries is the result of fraud and/or identity theft, it also violates 15 U.S.C. 1681e ( b ) and must be removed, not corrected.

Continued reporting without proof of consumer authorization violates 15 U.S.C. 1681s-2 and 12 CFR 1006.34.

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 2025-12-23 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 was looking at my credit report noticed a bunch of fraudulent inquires that i never did nor did i give my consent for any of the companies to run my credit here are tbe fraudulent inquires on my report below XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These hard inquiries were not made without my authorization and therefore violates 15 U.S.C. 1681b, as there was no permissible purpose.

Because the inquiries is the result of fraud and/or identity theft, it also violates 15 U.S.C. 1681e ( b ) and must be removed, not corrected.

Continued reporting without proof of consumer authorization violates 15 U.S.C. 1681s-2 and 12 CFR 1006.34.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. 

I am filing this complaint due to inaccurate, inconsistent, and unverified credit reporting by the following creditors and their agents : XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX. ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX, and XXXX XXXX. 

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ), my consumer disclosures contain conflicting balances, account statuses, payment histories, and dates of activity across TransUnion, Experian, and Equifax, rendering the information materially misleading and incomplete.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I disputed these inaccuracies and requested a reasonable reinvestigation. The responses failed to demonstrate that any lawful or meaningful reinvestigation occurred.

Further, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested a description of the procedures used to verify the information, including the furnishers contacted. This information was not properly provided.

Because these accounts can not be verified and are not being reported with maximum possible accuracy, continued reporting violates the Fair Credit Reporting Act. I respectfully request FTC review and enforcement, including correction or deletion of all inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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