vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint to report federal student loan servicing misconduct by MOHELA ( Missouri Higher Education Loan Authority ). MOHELAs repeated administrative failures and inaccurate servicing of my federal student loan account have caused financial harm, risk of delinquency, and significant stress. 

Specifically, MOHELA has issued inconsistent and incorrect billing information, failed to properly process repayment-related documentation, and provided conflicting or misleading information through customer service representatives regarding my repayment status and available options. Despite my efforts to comply with all requirements and remain in good standing, MOHELAs actions placed my account at risk of delinquency due to errors that were not caused by me. 

These experiences reflect broader, well-documented patterns of misconduct by MOHELA, including improper billing, mishandling of income-driven repayment processes, and failure to provide accurate guidance to borrowers. As a result of these practices, I have experienced unnecessary financial strain and uncertainty regarding my federal loan obligations. 

I have attempted to resolve these issues directly with MOHELA without success. I am requesting that the Consumer Financial Protection Bureau investigate MOHELAs servicing practices related to my account, require corrective action, and ensure that my account is reviewed and adjusted to reflect accurate servicing and borrower protections. 

Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: LA

Complaint narrative:
I am disputing the MOHELA student loan account as it appears on my XXXX XXXX XXXX XXXX credit report due to inaccurate and inconsistent reporting. 

This account is reported differently across consumer reporting agencies. XXXX reflects this account as closed, while other bureaus continue to report an active balance. This inconsistency alone constitutes inaccurate reporting under the Fair Credit Reporting Act. 

MOHELA has previously been sued for unlawful continuous reporting and failure to delete inaccurate tradelines. Additionally, MOHELA mishandled my Public Service Loan Forgiveness ( PSLF ) application, which further supports that this account has not been properly serviced or reported. 

Given the inconsistent reporting, prior verified {$0.00} balance reporting by XXXX XXXX, and MOHELAs failure to ensure accuracy after notice, I am requesting deletion of this tradeline in its entirety.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
After reviewing my credit report, I have identified accounts that contain inaccurate, incomplete, or unverifiable information. These items either lack complete payment history, fail to provide proper documentation supporting the reported balances, or contain inconsistencies that prevent verification. My All rights that are violated FDCPA 809 ( validation required ) FCRA 611 FCRA 623 FCRA 623 ( a ) ( 1 ) FCRA 611 FDCPA 807 ( if sold or collected by 3rd party ) 605 ( a ) 7-year reporting limits 611 ( a ) ( 5 ) Deletion required if unverifiable 809 validation rights 807 false or misleading representation 808 unfair practices

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 2025-12-29 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: IL

Complaint narrative:
After reviewing my credit report, I have identified accounts that contain inaccurate, incomplete, or unverifiable information. These items either lack complete payment history, fail to provide proper documentation supporting the reported balances, or contain inconsistencies that prevent verification. My All rights that are violated FDCPA 809 ( validation required ) FCRA 611 FCRA 623 FCRA 623 ( a ) ( 1 ) FCRA 611 FDCPA 807 ( if sold or collected by 3rd party ) 605 ( a ) 7-year reporting limits 611 ( a ) ( 5 ) Deletion required if unverifiable 809 validation rights 807 false or misleading representation 808 unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Sezzle Inc.
State: NM

Complaint narrative:
Refusal to state debt amount : Despite Sezzle claiming I owe money, support refuses to provide me with a specific payoff amount. 

Denial of service : I have attempted to use the Virtual Card and requested a PIN, but I am being blocked without explanation. 

Lack of transparency : I am being told contradictory information regarding who holds the funds ( XXXX or Sezzle ). 

I am requesting an immediate audit of this transaction. Please tell me exactly what the outstanding balance is so this can be resolved, or reinstate my Virtual Card access immediately. If I do not receive a transparent accounting of what occurred and a resolution within 5 business days, I will be filing a case in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CO

Complaint narrative:
I recently looked at my credit report, and noticed that acountt XXXX capital one has been reported as a charge off, hurting my ability to obtain credit, i see several discrepancies on this account, and i asked XXXX  XXXX several tiems for more information, but they failed to provide me with such information, I filed a complaint about this issue back in XXXX, and i was victim of identity theft last XXXX. It is my understanding that you will investigate these items for me to ensure accuracy, in accordance with the fair credit report act public law 91-506, title VI section 611.

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 2025-12-29 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: CT

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX of 2025, I sent {$46.00} via XXXX XXXX XXXX XXXX for commissioned artwork. The seller represented this as a legitimate service and promised delivery within a reasonable timeframe. I contacted the seller multiple times after the expected delivery date to request updates and either delivery of the artwork or a refund, but received no response. 
I then contacted my bank on XX/XX/XXXX of 2025 to dispute the transaction, but my claim was denied because the payment was more than 60 days old. Despite my attempts to resolve this with both the seller and the bank, no resolution has been provided. 
I am requesting a review of this transaction as a fraud/scam and that the companies involved address the non-delivery of the service I paid for.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized fraudulent inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After reviewing my credit report, I have identified accounts that contain inaccurate, incomplete, or unverifiable information. These items either lack complete payment history, fail to provide proper documentation supporting the reported balances, or contain inconsistencies that prevent verification. My All rights that are violated FDCPA 809 ( validation required ) FCRA 611 FCRA 623 FCRA 623 ( a ) ( 1 ) FCRA 611 FDCPA 807 ( if sold or collected by 3rd party ) 605 ( a ) 7-year reporting limits 611 ( a ) ( 5 ) Deletion required if unverifiable 809 validation rights 807 false or misleading representation 808 unfair practices

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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I am disputing a {$610.00} charge from XXXX and Aldous & Associates. I never signed a membership contract ; I only signed up for a 7-day free trial. I notified the gym staff during the trial that I did not wish to proceed with a membership and never used the facility again. Despite this, the gym began charging my card on file and added excessive late fees for a membership I never authorized. I have contacted the gym to resolve this, but they refuse to provide a contract or cancel the charges. This is a predatory billing practice for services never rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXX account currently appearing on my credit report and to place you on notice that this account may be the result of identity theft or fraudulent activity. 

XXXX XXXX XXXX is being reported as an original creditor, allegedly opened in XXXX. This is incorrect. I did not open any credit cards or credit accounts in XXXX, and I have never at any point in my life opened an account with XXXX XXXX XXXX or authorized any business relationship with this company. 

This account has appeared and disappeared on my credit reports over time and was previously removed by at least one credit bureau. It is currently reporting on Equifax, while XXXX  does not show this account, and to my knowledge, XXXX  does not either. XXXX  is reflecting my credit file accurately. The inconsistent reporting across bureaus strongly indicates that this account is inaccurate and not properly verified. 

Additionally, if XXXX XXXX XXXX attempts to verify this account by producing signatures, addresses, or other documentation, you must consider the following : I have previously experienced theft of personal documents and paperwork, and I have had fraudulent activity associated with my credit file in the past, which was addressed and reported at the time, including involvement with the XXXX XXXX XXXX XXXX. While I do not have the exact year readily available, this history is relevant and must be taken into account during your investigation. 

It is well known that fraudulent accounts are frequently opened using stolen identities, rerouted mail, and reused addresses. The existence of documentation alone does not establish that I opened or authorized this account. This credit profile belongs solely to me XXXX XXXX XXXX and this account is not mine. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you : 1. Conduct a thorough investigation considering the possibility of identity theft 2. Compare this account against XXXX XXXX XXXX, which do not reflect this account 3. Provide full, written verification including original creditor documentation, signed agreements, and proof that I personally authorized the account 4. Delete this account immediately if it can not be conclusively verified as accurate and mine I do not pay debts that I do not legitimately owe. XXXX XXXX XXXX will not receive payment for an account that was not opened or authorized by me. If this account can not be properly substantiated beyond generic or circumstantial documentation, it must be removed from my credit report. 

Please consider all statements above carefully. I expect written confirmation of the results of your investigation within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b.

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On or around XX/XX/year>, I made a payment of over {$300.00} to my credit card account, which brought the balance current. The payment was submitted prior to the due date. At the same time, I enrolled in automatic payments for future billing cycles. 

Despite this, my next payment was not processed or applied to my account as expected. I was not aware at the time that the automatic payment setup did not process correctly. As a result, a late fee was assessed and the account was reported as late. 

I contacted the company to request an explanation of how the payment and automatic payment enrollment were processed, the payment posting timeline, and the basis for the late fee and credit reporting. The company did not provide a clear or documented explanation or correct the issue. 

This appears to be a payment processing or servicing issue rather than a failure to make payment. I am disputing the late fee and negative credit reporting that resulted from this issue.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I found out that there was negative payments on my Capital One account. I found out that somebody had my credit card sent to them in Georgia in XXXX of XXXX and they charge {$10000.00} on my credit card. Company has it as charged off and I have XXXX potential negative months on there. If you look at any of my accounts I've never been late on a payment on any of them until the credit card was sent to Georgia where I never lived. That account is charged off at XXXX negative months on there I'd like to get them off my credit report cuz I've never been late on a payment on anything. And if you look isn't there pictures from ATM machines and all the charges were made in Georgia

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-29 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: MI

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MA

Complaint narrative:
Account Number : XXXX Alleged Late Payment Month : XX/XX/year> Subject : XXXX XXXX XXXX XXXX XXXX XXXX. 
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX related to the above-referenced mortgage account, as reported by Equifax, TransUnion, and XXXX. 
The alleged delinquency being reported corresponds to XX/XX/year>, based on a last payment date of XX/XX/year> and a status update reported in XX/XX/year>. 
However, the same account is reported with conflicting delinquency statuses, which is legally impermissible : Equifax reports Not more than XXXX payments past due while also stating Exceptional payment history. 
TransUnion reports the account as 30 days past due. 
XXXX reports 1 late payment with an open past due balance. 
A single account can not simultaneously carry multiple delinquency classifications, rendering the reporting inaccurate and unreliable. 
Additionally, the reported past due amount ( {$5900.00} ) exceeds the monthly payment ( {$5700.00} ), which is inconsistent with an alleged single 30-day delinquency for XX/XX/year> and has not been properly explained or documented. 
The payment history grids do not clearly reflect a verified 30-day late payment for XX/XX/year>, further confirming that the information is inaccurate or unverifiable. 
This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). 
I respectfully request a full investigation and the correction or deletion of the inaccurate delinquency information. If the alleged late payment for XX/XX/year> can not be fully verified, it must be removed pursuant to FCRA 611 ( a ) ( 5 ). 
This dispute is submitted directly by me, the consumer, as permitted under the Fair Credit Reporting Act. Any claim that this dispute was submitted by a third party would be inaccurate.

Company response to consumer: Closed with explanation