vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I have been attempting to reach Mohela for weeks regarding my federal student loan account and have encountered unacceptable delays and disconnection issues. 

On multiple occasions, I have waited 3+ hours on hold, only to be disconnected or rerouted without resolution. I am trying to address a delinquency notice, confirm application of the XXXX payment count adjustment, and request information about my repayment plan ( IBR/SAVE ). 

This delay is causing significant financial and emotional stress, and I am concerned about my loan falling into default while Im actively seeking assistance.

I also feel I was misled into consolidating my loans in 2024 based on a letter from the Pennsylvania Attorney General encouraging action before the XXXX adjustment deadline. Since then, Ive had no way to confirm my progress toward forgiveness because Mohelas tracker is down and their support is inaccessible. 

I am requesting immediate assistance to : Restore access to live support. 

Confirm the status of my IDR payment count adjustment. 

Prevent my account from going into further delinquency while I am actively trying to engage.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my XXXXredit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
After conducting a review of my credit file, I noticed an unexpected late payment entry which does not align with my personal records. I believe this is a case of inaccurate reporting.

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 2025-07-14 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: TekCollect Inc.
State: IL

Complaint narrative:
I am a victim of identity theft, my information was leaked in a data breach. Accounts have been fraudulently opened in my name and I have tried to rectify this issue on my own with no success. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
am the consumer reporting an abusive credit reporting and collection practice by LVNV Funding LLC. They filed a lawsuit against me in the XXXX XXXX XXXX XXXX Michigan in 2025 ( XXXX XXXX. XXXX ), which was formally dismissed without prejudice due to failure to serve me. I was never properly served, and the court closed the case as a result. 

However, even after this dismissal, LVNV continues to report the debt to the credit bureaus as an active collection account, despite having no legal judgment, no validation of the debt, and no further legal action. 

I contacted them directly and their representative falsely claimed that service had been completed and that dismissal didnt matter despite clear documentation from the court showing that they failed to prosecute the case. 

This activity violates several consumer protection laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : prohibits furnishing information that is inaccurate or unverifiable FCRA 1681e ( b ) : requires reasonable procedures to ensure maximum possible accuracy Fair Debt Collection Practices Act ( FDCPA ), 1692e ( 2 ) : prohibits misrepresenting the legal status of a debt I am requesting that this account be permanently removed from all credit reports and that LVNV be held accountable for noncompliance. 

If this matter is not resolved, I plan to involve legal counsel and pursue damages under FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an inaccurate item on my credit report under the Fair Credit Reporting Act ( FCRA ), which requires that the information reported be accurate and verifiable. 

The account in question : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$36000.00} Reported Date : [ Insert date from report ] Account Type : Collection I am requesting that this account be deleted from my credit report for the following reasons : 1. The furnisher has failed to provide proper validation. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation from the debt collector. They have not provided the necessary documentation proving this debt is accurate, owed by me, and the amount is correct.

2. Possible errors in reporting. I believe the amount and/or reporting may be inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-15 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
From : XXXX XX/XX/XXXX XXXX XXXX XXXX Tn, XXXX XXXX Date : XX/XX/XXXX RE : Failure to Validate Debt and Unlawful Credit Reporting Dear Credit Acceptance, This letter serves as final notice regarding your continued reporting of an account on my credit file that is currently under formal dispute. 

On or around XX/XX/XXXX, I submitted a debt validation request and formal dispute regarding the account you are reporting. To date, you have failed to provide the required documentation, including : A copy of a signed contract A complete payment history and balance breakdown Proof that you are legally permitted to collect or report this account Despite this, you have continued to report this account as active and derogatory with no resolution, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally : I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), which you failed to meaningfully respond to. 
I have filed a complaint with the Office of the State Attorney General, who may now open a regulatory investigation. 



This is your final opportunity to comply : I am demanding that you immediately : 1. Delete the account from all consumer reporting agencies XXXX XXXX XXXX, and XXXX  ) 2. Cease all credit reporting and collection activity related to this account 3. Send written confirmation of the deletion to me within 10 business days

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am writing to formally dispute the collection account that Aldous is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This is a formal notice disputing a hard inquiry on my credit report. The company that accessed my credit lacked a permissible purpose as defined by 15 U.S.C. 1681b. I did not apply for any credit, loan, or service that would justify their access.

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 2025-07-14 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: TX

Complaint narrative:
I have previously disputed XXXX, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-14 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: CA

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, Dovenmuehle received a formal dispute pursuant to 15 U.S.C. 1681, regarding the reporting of inaccurate and incomplete account information. These disputes specifically identified errors and requested deletion or correction.

Despite receiving this dispute, Dovenmuehle failed to fulfill its statutory obligations under 15 U.S.C. 1681s-2 ( b ), including conducting a reasonable investigation ( 1681s-2 ( b ) ( 1 ) ( A ) ), reviewing all relevant information ( 1681s-2 ( b ) ( 1 ) ( B ) ), and correcting or deleting the information found to be inaccurate or unverifiable ( 1681s-2 ( b ) ( 1 ) ( E ) ). The continued reporting has negatively impacted my credit profile. 

Please see attachment for specifics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged multiple cash advance fees by Chase for transactions I made through XXXX using my Chase credit card. However, the Chase website and mobile app only labeled these charges as " Transaction Fee '' with no indication that they were related to a cash advance. 

Total {$60.00} fee XX/XX/year> : {$15.00} fee labeled as Transaction Fee XX/XX/year> : {$30.00} fee labeled as Transaction Fee XX/XX/year> : {$15.00} fee labeled as Transaction Fee Actions : XX/XX/year> ( 1st call ) : I contacted Chase to ask what these transaction fee charges were. A representative explained that they were cash advance fees due to credit card use on XXXX. 

XX/XX/year> ( 2nd call ) : I requested a refund because the transaction labels in the Chase interface were vague and did not disclose the true nature or source of the fee. I explained that I continued to use the credit card in XXXX under the assumption that the only fee being charged was XXXX 's standard 3 % fee, which was visible at the time of transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I am disputing a collection item that appears on my credit report. I am not responsible for this debt and believe it was reported in error or through fraudulent activity.

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 2025-07-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
In XXXX of XXXX I got confirmation that I could make my regular mortgage payments of {$1300.00} at the end of the month. The representative XXXX XXXX then said a deferred interest payment of {$3900.00} had to be paid. Then her manager XXXX said only make these following payments. {$3900.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, {$2400.00} on XX/XX/XXXX. I made all those payments, but the representatives for Selene XXXX wanted to charge the predatory 35 % interest rate. Instead of the normal 7.15 % the difference between the two payments are {$1300.00} to {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I received a two page document that was open and delivered to me by a community member of XXXXXXXX XXXX XXXX XXXX  at XXXX XXXX to my address, location XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
I have thoroughly investigated any, and all said Debt on these two pages. These debts are erroneous to me as a person. I am disputing any, and all of the debts provided to me in this correspondence that was not mailed or delivered to me at this time or any other time. 

I do not have access to or occupy XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not been involved in any of these alleged debts. Please cease to collect from me due to having no involvement in the debt Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

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