vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
Mohela is now handling my private student loans. It has been a struggle communicating with them. I call the number that they tell me to call, and the person answering at that number is never the person who can help me, and they just transfer me to someone else until I get fed up and hang up. On XX/XX/XXXX, I spoke with XXXX at Mohela at XXXX, which is the number that Mohela themselves told me to call about my private loans. I ask her to please change my autopay date to the last day of the month, starting this month, and she assured me this was done. Fast forward to today and I get a notification from my bank that the loan amount was withdrawn from my account. I need this money to buy food for my family and pay bills. I then called that same number again to find out why the money was taken out when it wasn't supposed to be, and I first got XXXX, who told me that I needed to speak with a private loans person ( um, hello, that's the number I called ), and was transferred to XXXX, who then transferred me to XXXX, who then transferred me to XXXX. After I told her the issue as calmly as I could, and spent a good amount of time talking to her, she then said she had to transfer me again. At this point I just hung up. When I email Mohela, they tell me I need to call that same number I keep calling. Another issue I have with them is that they are reporting to the credit bureaus that I am 60 days late on my XXXX private loan accounts, yet Mohela shows that I've been making a payment each month. I've disputed it with the bureaus and sent them my payment history, but they refuse to change it. Mohela tells me they are stupid and don't know what is going on. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion you reported to XXXX XXXX a collection I know nothing about no account number or any information .I never had a account with XXXX XXXX XXXX and reported it to the FTC case # XXXX I demand that this alleged account be removed at once, it would be in violation of the FDCPA never got notice of account to dispute you just added it to my report a clear violation of my rights I can and will file a law suit against you the third party debt collector and anyone else that reports this fraud on my consumer report respond through the CFPB you are required to remove account by law in a few 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 2025-07-24 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have been a 30 year American Express XXXX Customer and have held 3 American express XXXX Account Credit Cards with Amex. For some reason, out of the blue my charges were denied, my card was suspended in front of customers, I have been publicly humiliated in front of the XXXX XXXX XXXX with clients only to have my card continuously be denied. 

When I called to find out why, it was because Amex had hired for some reason a 3rd party that sent out emails asking for my EIN that has not changed in over 30 years! When I asked the agent if the emails were coming from Amex she said that they were coming from a 3rd party... and the subject line did not say Amex - so if anyone aks me for my EIN number and I don't know them? I would think that was spam. 

I contacted the Exec Office got a returned phone call from one of their reps who honestly wasted my time, offered nothing, did not help to re-instate the benefits and services and more... 

Again, I have excellent credit, my Amex XXXX XXXX has been paid off, and the beneifts have been denied- for instance trying to use the {$200.00} travel fees to pay for luggage - denied over and over - automatic charges denied over and over... 

All for a business client who is a small woman owned diversity business who has been an Amex Loyalty Customer since XXXX. 

Shocked and disgusted at the response and denial of even refunding their {$690.00} membership fee plus their {$200.00} travel fees and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I requested for the billing statement required under XXXX My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XX/XX/year>, my car was repossessed and sent all the way to XXXX, Alabama without my knowledge to an auto auction there when there is an auto auction here in the same city that I live in, they did not help me with transportation on getting my car back so I had to do it all on my own in the midst of all of that as I was getting my car back and I paid all of the fees they switched the title over to their name specifically and took my name off of the title and now I have to get my car back for five months now, and my name is still not on the title. I can not renew my insurance or registration because of the title. They will not give me any information. I have emailed them several times and they will not give me the information that is needed to take down to the DMV

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am resending this complaint to EXPERIAN regarding the continuous reported inaccurate, unverifiable, and misleading information and accounts to my personal credit report that is still certifiably compliant, proven valid, or documented as fully true and physically verified.

I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: GA

Complaint narrative:
Juno -- Have been part of a reconciliation effort due to XXXX and XXXX for over a year now. I still have XXXX stuck in the debit account and unable to withdraw due to a freeze on account operations. 

I've reached out to the Juno team, which sends me to the XXXX team, who send me to the consulting team. None of them have an answer for how to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: 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 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting a complaint about outdated personal information on my credit report. I have mailed a dispute to TransUnion and Experian requesting the removal of incorrect and outdated details, old addresses, old employer and incorrect name variations. This information is linked to negative accounts that I have disputed separately. Please find attached my dispute letter and supporting documentation.

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 2025-07-24 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: TX

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for continuing to report old, outdated accounts on my credit file that are over XXXX to XXXX XXXX XXXX, which is well beyond the XXXX limit allowed under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ). These accounts do not show any removal or purge date, and I have repeatedly requested their deletion. All three bureaus have claimed the information is accurate, but even accurate information must be removed once it exceeds the legal reporting timeframe. This is a violation of my consumer rights under federal law, and the continued reporting of these accounts is unfair, misleading, and harmful to my credit standing. I am requesting that these accounts be deleted immediately and that all three credit bureaus provide a full written explanation of why they were retained in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am currently in active litigation in federal court against XXXX XXXX, over a charge that is disputed and under court review ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Despite XXXX knowing this, they continue to report negative information about this account. 
XXXX has represented to the CFPB and the court that this account is in litigation, yet they is still reporting a balance and adding late payments. This is inaccurate, prejudicial, and has harmed my credit score during litigation. 
Fair Credit Reporting Act ( FCRA ) requires furnishers and credit bureaus to mark an account as disputed and to fully and fairly investigate. They has failed to do so, and this is harming me financially and emotionally.

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 2025-07-24 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: 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 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 non-monetary relief
Consumer complaint received 2025-07-24 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: 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 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 non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Upon review of my recent credit report, I discovered a late payment entry that is not supported by my personal records. I believe this is a reporting error, as I have made every payment on time and in full.

Company response to consumer: Closed with explanation