vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
Since late XXXX, I have made numerous attempts to contact MOHELA to discuss payment arrangements for my student loans. Despite repeated phone calls throughout XXXX and early XXXX, I was never able to reach a live representative. Additionally, I encountered ongoing issues accessing my MOHELA account online. I suspect this may be related to the recent transition in loan servicing, but regardless, I have been unable to log in on a consistent basis ( meaning I was only able to login twice before ) and make payments or obtain information about my loan status. 

In XX/XX/XXXX, my credit was significantly impacteddropping over XXXX pointsafter MOHELA reported my loans as over 90 days delinquent. At no point did I receive a phone call, email, or written communication from MOHELA alerting me to the delinquency or offering assistance before the loans were reported to the credit bureaus. I had been actively trying to resolve the issue but was completely shut out due to MOHELAs lack of response and systemic failures. 

I finally received a call from a MOHELA debt collector between XXXX XXXX XXXX, and was briefly able to speak with someone regarding possible payment arrangements. However, since then, I have once again been unable to get in contact with anyone. I have also used the online message center on MOHELAs website but have never received a reply. As of today, XX/XX/XXXX, I was unable to log into my account to make a payment or manage my loan. 

Additionally, I would like to highlight that I am not alone in this experience. Numerous borrowers have publicly reported similar issues with MOHELAincluding the inability to access accounts, failure to respond to messages or calls, and unnotified credit reporting. I respectfully urge the CFPB to investigate these systemic issues and advocate for borrowers who have suffered unnecessary damage to their credit through no fault of their own. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The accounts below have violated my rights. 
XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-05 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:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-05 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Experian regarding the following account : XXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specifically, Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for this account. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entry was reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting this late payment. Additionally, I request a thorough investigation into this disputed late payment as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-06-05 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-05 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : EQUIFAX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
XXXX XXXX XXXX, XXXX ( XXXX ), a debt collection agency, enter a lawsuit for {$14000.00} for a credit card debt that I content did not have as a credit limit in XXXX XXXX XXXX XXXX. I requested the Purchase Agreement, XXXX XXXX XXXX, My Original Signature, and a complete record of interest rate, rewards and purchases. They have not complied with my debt validation request. This request was made under the Fair Debt Collection Practices Act ( FDCPA ) specifically, as required by 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
I applied for and was issued a XXXX card through UMB Bank/Card Services in XXXX. Paper statements were initially mail to my residence and payments promptly made. They have increased my credit limit from {$3000.00} to {$5000.00} without my solicitation. XXXX years ago, I opted for electronic statements on which I received on the XXXX of each month until XXXX of XXXX. Per my transaction history, electronic payments were typically made within 3 days after statements were posted. I received a letter from Card Services on XX/XX/XXXX. The letter was dated XX/XX/XXXX. I called Card Services that day and spoke to a XXXX XXXX ( not sure of spelling ). I explained that I was not receiving statements. She relayed that she could waive the late fees and interest and I paid the balance that day. I asked about the e-statements I was not getting. She said she would send a ticket Ref # XXXX to their XXXX Banking XXXX. and if I did not receive my statement next month to call that dept. at XXXX. After not receiving a statement on XX/XX/XXXX, I called on XX/XX/XXXX. They said they could fix the problem, which was due to a software change in XXXX ; however, they could not do anything about more late fees and interest that accrued since XX/XX/XXXX. I called customer service and spoke to a XXXX who said they could only waive late fees once every 6 months and that there were XXXX late fees when I spoke to XXXX on XX/XX/XXXX. Thus, I am being charged a {$38.00} and {$25.00} late fee plus interest on a purchase of {$26.00}. I contend that they were in breach of their agreement when I was not provided statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2025-06-05 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV funding, the companys trying to collect a XXXX $ debt that Im unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The Leviton Law Firm, Ltd.
State: TX

Complaint narrative:
Subject : Legal Rebuttal Invalid Electronic Signature & Unenforceable Agreement To whom it may concern, I am writing to formally dispute the validity of the documents submitted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in response to my complaint. 

While they have presented a finance agreement with my name and what appears to be an electronic scribble, I must state clearly : XXXX. I never signed or executed this agreement with full legal knowledge or consent. The signature is either automatically generated or produced without my full understanding of its legal impact. 
XXXX. The alleged signature does not meet the requirements of a valid electronic signature under the E-SIGN Act ( 15 U.S.C. 70017031 ), which mandates : Prior consent to use electronic signatures Access to the complete contract before signing Identity authentication ( via secure code, IP logging, etc. ) XXXX. I was never provided a full copy of the agreement, nor authenticated before signing, and I was not informed that it would be used to create a legally binding loan. 
XXXX. The internal account statements and payment logs submitted do not prove legal liability. They show activity not legal obligation and fail to establish a valid contract under contract law. 
XXXX. The firm continues to pursue this alleged debt as enforceable without valid proof of consent, which is deceptive and potentially unlawful under FCRA, E-SIGN, and in contradiction to basic contract formation principles.

I request : Full and permanent removal of this alleged debt from all credit reporting agencies.

Immediate closure of the collection activity. 
Confirmation that no further action will be taken. 
That CFPB monitor this firm for improper use of electronic signatures in commercial lending cases. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-06-05 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: Fay Servicing, LLC
State: TN

Complaint narrative:
XX/XX/XXXX i was contacted by mail that fay servicing had paid 2 home insurance policies for the house. I called them and verified that they paid XXXX  and XXXX home owner policies. i called XXXX and cancelled the home insurance policy for XXXX and returned the money to fay servicing escrow account. fay servicing would not lower the mortgage payment based on the double payment for home insurance being paid. I also asked them about working with me due to me being on XXXX for a payment modification. They stated i had to be 30 days behind on payments. they have changed my payment to XXXX dollars a month. I can not afford that i only receive XXXX in XXXX. I asked for hardship assistance and they said i don't qualify. I do remember that XXXX XXXX XXXX modified my loan to a fixed rate before selling the loan to fay servicing. I am in process of getting paperwork. Fay servicing has me listed as an adjustable rate mortgage.

Company response to consumer: Closed with explanation