vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I am filling complaint against MOHELA. Thank you for the support! Here are my issues in details : I have been stuck in limbo since XXXX First, because of a forbearance that was based on a superfluous IDR application that I have been asking them to pull for months. It took them 3 months, which seems incredibly inappropriate and designed to trap me in debt. Especially given that my IDR plan was updated to XXXX early in this window. 

Secondly, once they pulled the application, the forbearance should have been pulled with it. Instead, they left the forbearance in place with no legal reason behind the status. Again, this seems designed to trap me in debt. 

Third, they have placed me in retroactive forbearance for 3 months in XXXX. They a ) didn't tell me about this, someone randomly mentioned it on a call and b ) they refuse to allocate this money ( my money! ) to my account for the months they illegally had me in a forbearance status. They still have my money, over $ XXXX. 

Fourth, their MOHELA reps lied and told me I couldn't manually pay during this forbearance window. This seems designed to trap me in debt. 

XXXX, I have spoken to 10 different supervisors during this XXXX window and 9 told me they would call me back to follow up on my account. All 9 did not call me back or follow up in any meaningful way. Most didn't even do the thing they promised they'd do on the phone, including submitting promised escalations. 

I would also like to flag that I often receive incorrect advice or feedback from these reps. I've spent close to 60 hours on the phone to reach 13 supervisors ( 10 for MOHELA and 3 for XXXX XXXX in this window and I'm seemingly no better off for it. 

I am reaching out because there is a very high chance I will be laid off this week or next. I have tried so so so hard to sort this before my layoff and have seen close to 0 results. As you know, final PSLF forms can only be submitted if the borrower is currently employed. I should have wrapped up in May if they held up their end of the bargain. The humanitarian sector has been decimated recently and finding a new job that will allow me to submit that last months payment and final form will be impossible.

I have followed every rule, served my country & planet for 10+ years, and because of their weaponized incompetence I will now owe more than the original balance as IDR plans ( which are mandatory for PSLF ) only covered my interest. So I'll go from owing my final {$330.00} payment to owing over {$50000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Financial Services
State: CA

Complaint narrative:
In XX/XX/XXXX I made my last payment on the vehicle loan provided by Lincoln Financial. In XX/XX/XXXX, Lincoln Financial advised me that there was {$310.00} in interest that was not paid. I advised them to show me how they came up with outstanding interest at the end of the loan. I was ignored and told to pay it. I filed a complaint with CFPB and it appears that the Bureau has been ignored as well. 
In XX/XX/XXXX Lincoln Financial reported a charge off to XXXX which negatively affects my XXXX I am requesting that they remove the charge off as this balance has been satisfied in full and that they deliver the deed to the car and remove the tracking devise. Unfortunately, Lincoln Financial will not respond to phone call or mailings. I have left numerous messages and sent various letters. PLEASE HELP!

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-23 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:
The accounts listed below were not opened by me and are the result of unauthorized use of my personal information. I had no part in these transactions. In accordance with 15 U.S. Code 1681g, I am demanding their immediate removal within 15 days. Ive attached supporting documentation for your review.

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 2025-06-23 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: Marlette Funding, LLC
State: MT

Complaint narrative:
I went to get a car loan and was denied said DTI was to high. Got a copy of my credit report and found 2 loan companies and loans under my name. I immediately contacted the companies and disputes through credit agency. There was XXXX XXXX and Best Egg. After investigation XXXX XXXX determined it was fraud and has since removed. Best Egg says their 3rd part verified I was associated with the bank the money was deposited it. So they are taking a stance. I contacted the bank, and they provided me a letter stating I was not associated nor have had an account with that Bank. I provided the bank letter and letter from XXXX XXXX XXXX Best Egg showing fraud had been done and corrected, also to show I was not associated with bank and still haven't removed from my credit. I have been continually contacting Best Egg and email documents to the fraud email provided. I have been working to get this fixed for sum 60 days now and get little to no return communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Subject : Cease and Desist All Communication and Reporting This letter serves as a formal notice to cease and desist all forms of communication with me regarding the alleged debt you claim I owe. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I demand that you immediately stop all direct contact with me, including phone calls, mail, email, and any third-party communication.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you cease and desist from reporting this alleged debt to any credit reporting agencies unless and until you provide proper validation of the debt in accordance with federal law. Any attempt to continue reporting or verifying this alleged debt without complete and accurate documentation may constitute a violation of my consumer rights. 

Let it be known that any future contact by your agency, other than to confirm in writing that collection efforts have ended or to inform me of specific legal remedies you intend to take, will be considered harassment and a violation of federal law. I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's Office, and to pursue legal remedies for any violations.

This letter is not an admission of liability for any debt and should not be interpreted as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX - XXXX - This account is the result of identity theft and is causing significant and unjustified harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2 and 1681i, you are legally obligated to block and remove fraudulent accounts once notified. I have submitted the proper identity theft documentation, including my FTC Identity Theft Report. I demand this inaccurate and harmful account be removed from my credit report within 4 days to prevent further damage and violation of my consumer rights. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To whom ever this may concern i XXXX XXXX have never applied for any of these accounts, listed in my f.t.c report i also never gave none of these companies listed below to have access to my credit report with all XXXX major credit agencies XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX  XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> please remove all fraudulent accounts and inquiries also fraudulent addresses that dont belong to me listed below as well from my XXXX XXXX as well. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/year>, my vehicle was declared a total loss. My lender, Kia Finance, received {$20000.00} from my auto insurance. At that time, my remaining loan balance was {$5700.00}. In XX/XX/year>, Kia Finance closed my account and transferred the balance to collections. Despite my GAP coverage, the claim has been delayed since XX/XX/year>, due to alleged missing vehicle service agreement check. According to XXXX, the refund check was sent to Kia Finance and has been confirmed as received and cashed. However, Kia Finance currently has no record of this transaction on file. Kia contends theyve submitted everything for the GAP claim ; the GAP insurer disagrees. These ongoing delays have damaged my credit severely Efforts Ive Taken So Far : Spent over a year corresponding with both Kia Finance and the GAP insurer. 
Gathered and organized all supporting documentation related to the claim and account Filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Attempted to obtain clarification on the refund check through both companies Reached out to multiple law firms in hopes of finding legal support

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-23 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
On Saturday, XX/XX/year>, I purchased a {$900.00} money order in cash from the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. The transaction was completed through Western Unions system. The purchase occurred at XXXXXXXX XXXX and the money order was printed at XXXXXXXX XXXX. The serial number for the money order is XXXX. 

After realizing I had lost the money order, I immediately contacted Western Union and was told it had not been cashed or used. I then submitted the required refund form via both email and physical mail to Western Unions refund processing center.

I have followed every step requested by Western Union, including : Submitting the refund form Providing proof of purchase Sending in previous money order receipts from the same location Visiting the store in person to retrieve verification of the transaction XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, confirmed and printed details of the purchase directly from their machine, which include the date, time, amount, and money order number. However, she informed me that XXXX XXXX XXXX would still need corporate approval to release an official letter, and they were unable to tell me when I would receive that. 

This delay is deeply concerning, as I need the {$900.00} to pay the remainder of my rent and avoid entering the eviction process. I am asking that Western Union work with me to verify the information that I have already provided including confirmation from the store manager so that my refund can be processed promptly. 

I am happy to resend all the relevant documentation, including : A copy of the original refund form Screenshots/photos of my previous money order receipts My current notice to quit from my apartment The details of the transaction as confirmed by the store manager This process has been going on for over three weeks with no clear resolution, despite my repeated calls and full cooperation. I am requesting the Department of Consumer Protections assistance in resolving this matter and ensuring that Western Union processes my refund without further unnecessary delay.

Company response to consumer: Closed with explanation