vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MI

Complaint narrative:
I took this loan out in XXXX. I began repaying this loan in XXXX or XXXX. The loan amount that was disbursed to me was {$16000.00}. The current amount shows that I owe {$29000.00}. I am frustrated, and no one can seem to give me a correct or even logical explanation for why it is this much, and the amount has not decreased. I have been in contact with them since the inception of this loan, but I still have not received the correct answer to any of my questions.

I recently asked for forbearance so I could get ahead on this and a few other bills. I was told that because I had 32 previous forebearances, I could not get another one. I asked them to send me the paperwork stating that I had been given 32 previous forbearances. I never received anything.

I printed out my own documents and noticed that there have only been eight forbearances and or payment postponements. I am unsure why they would deliberately lie about my previous forbearance history and not offer any other alternatives to paying off the loan. I even asked about getting the correct amount of what I have paid to date. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WI

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX XXXX XXXX  balance {$2500.00} account number XXXX open XX/XX/year>. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX Contact : 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 2025-12-03 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: WI

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX XXXX XXXX  balance {$2500.00} account number XXXX open XX/XX/year>. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX Contact : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
We refinanced our home and dealt with XXXX XXXX XXXX  ACCT # XXXX, this was sold to XXXX XXXX XXXX  ACCT # XXXX, then sold again to Loancare ACCT # XXXX. In 3 months I called 15 times and was unable to pay the mortgage to anyone. Not one associated had a Loan number for us to pay our mortgage. I contacted Loancare, XXXX, ( one of the associates ), told me on XX/XX/year> @ XXXX that " this loan was protected by RESPA and XXXX XXXX, you will not need to make a payment until XX/XX/XXXX ''. I then received a letter in the mail stating we owed those 3 months which I believed to be not to be owed. I spent 2.5 hours on XX/XX/year> with Loanecare and was told we now owe all 3 payments and that we can be given forbearance for XXXX, XXXX & XXXX. This was all caused by these 3 companies transferring our mortgage 3 different times in less than 6 months.

Meanwhile, we have been dealing with going back and forth to the XXXX XXXX, dealing with my newly found XXXX, ( that has spread ), multiple medical bills, thinking that we could use the {$6200.00} to pay those bills. Meanwhile, ( while doing my research ), I found out that XXXX was recently involved in several lawsuits. The lawsuit claims that XXXX pressured over 8,000 brokers to send their business to XXXX, totaling at least {$11.00} XXXX, regardless of whether it offered the best terms for borrowers. 
These developments indicate that XXXX is currently in the midst of significant legal scrutiny. Additionally, XXXX is facing a class action lawsuit alleging that it orchestrated a scheme to cheat borrowers by coercing brokers to prioritize XXXXXXXX XXXX interests over those of their clients.

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 2025-12-03 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been locked out of my Citi account. Despite trying to reset account/ change password, it says my information does not match and my account has been locked for about 20 days now. I can not get through to a human representative even after trying multiple Citi numbers. My credit cards are being declined in stores and I now have a late payment fee posted on my account because I am unable to log in and pay.

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 monetary relief
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am writing to formally dispute the information reported on my credit report as I believe there are inaccuracies that need to be addressed. Below are the details of the accounts in dispute, categorized by the respective credit bureau.

CHARGED OFF ACCOUNTS XXXX, XXXX, XX/XX/XXXX, Balance : {$12000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-03 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:
To Whom It May Concern, I am writing to formally dispute the inclusion of fraudulent accounts on my credit report maintained by Experian. These accounts are the result of identity theft and do not belong to me. Despite my previous attempts to resolve this matter, Experian has refused to remove these accounts, which is a violation of my rights under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the blocking of information resulting from identity theft. I have submitted a valid identity theft report, as defined under 15 U.S.C. 1681a ( q ), along with proper identification and documentation. According to the FCRA, Experian and XXXX  are required to block the fraudulent information from my credit report within four business days of receiving such documentation.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) of XXXX, which amended the FCRA, reinforces these protections and obligates credit reporting agencies to take immediate action upon receiving notice of identity theft.

Your continued reporting of these fraudulent accounts is causing me significant harm, including damage to my creditworthiness and emotional distress. I demand that Experian : Immediately block and remove all accounts and inquiries resulting from identity theft.

Provide written confirmation that these items have been removed.

Refrain from re-inserting any of the disputed information unless all conditions under 15 U.S.C. 1681c-2 ( d ) are met, including notifying me in writing.

If Experian and Equifax fail to comply with these legal obligations, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to pursue legal remedies under 15 U.S.C. 1681n and 1681o, which provide for actual damages, statutory damages, and attorneys fees for willful or negligent noncompliance.

The account opened as a result of identity theft : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 2023

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/year>, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$320.00} bonus if I received {$1000.00} or more in direct deposits for 90 days or 3 consecutive months. After creating my online account I noticed that there was 2 checking accounts when I only signedup for one. I called Wells Fargo and spent hours just getting the additional account closed. I called back a few days later to inquire about how the sign up bonus worked. In doing this I was advised I didnt have anything indicating a sign up bonus on my account. This is inaccurate as I specifically chose this account because of this offer I had an email confirming this. It would ultimately take me upwards of 10 hours on the phone until I finally reached someone in the Executive office who confirmed that the representative who assisted me in closing the second account closed the wrong account. She confirmed I in fact qualified for the bonus she advised me it was corrected and as long as I made the required deposits in the 90 day time frame I would receive the bonus. I have reached that objective, and called Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about when I would receive the XXXX $ bonus they advised me I did not qualify each time and transferred me to departments multiple times where I would remain on hold for hours before having to hang up. I have spent hours upon hours of my time trying to resolve this. I am entitled to the XXXX $ bonus and honestly should be compensated for my time wasted.

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 monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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