vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I am in a loan public service loan forgiveness program. I was supposed to be given last XX/XX/XXXX. However, my qualifying payments have been stuck at 117 out of 120 qualifying payments since last year. Every time i have spoken with studentaid.gov, i was told to complete another PSLF form which I'm sure did not need to be completed. Those forms are completed once a year. All while learning my loans were placed in forbearance. Today XX/XX/XXXXXXXX  i spoke with studentaid.gov who advised me to speak with Mohela to see why my loans are still in forbearance. I contacted Mohela who told me that they would have to get me over to advanced support to try to get out of my forbearance. Well, when i was transferred my wait time was 3 hours..... with no resolution to get a call back or anything. I have been getting the run around with wetting my loans forgiving since XX/XX/XXXX. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I recently sent out dispute letters involving multiple accounts on my credit report, the information is wrong and not correct and I have no knowledge of these accounts, with proof of identity social.ID and utility bills with no updates or information adjusted and constantly harassing me and its affecting my mental health Accounts

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent out dispute letters involving multiple accounts on my credit report, the information is wrong and not correct and I have no knowledge of these accounts, with proof of identity social.ID and utility bills with no updates or information adjusted and constantly harassing me and its affecting my mental health Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
Mohela hasn't processed my recertification of income to stay on my XXXX plan that was sent in XX/XX/XXXX. In XXXX they took me off my XXXX plan and recapitalized my interest ( which has never happened before in 10 years of being on XXXX ). It says I am in administrative forbearance which I didn't ask for. This now has cost me XXXX and will probably cost me 3 months of pslf eligibility by the end of this month. I called today on XX/XX/XXXX and have spent over XXXX hours on the phone waiting to talk to different people. I am apparently waiting for a call back from a supervisor which I have been advised could take XXXX business days when time is of the essence for my financial future. I have sent them a email communication about this as well. It appears they miscoded my application and put me the XXXX plan which they initially seemed to admit to on the phone then a subsequent women said I had a XXXX  application in process ( which doesn't make sense because then why did they get recapitalized ). I don't know if I should take them to court or not.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS 15 U.S. Code 1681c/i/e -2 To Whom It May Concern, Under 15 U.S. Code 1681c-2, you are legally obligated to remove this account from my report, this will be the last time i request this before i take legal action a report has been reported to the FTC, you have 4 business day to have this account deleted, under 15 U.S. code 1681 I, B , E, you have no right to report any infomation with out my consent, No consent was given you also violated the FCRA act, you have reported this account even through the account was charged off and even refunded back to you from the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Hard inquiries on my credit report from dealerships I didnt purchase a car from which is now adding to me get denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IA

Complaint narrative:
XXXXI sent a certified letter to Transunion on XXXX via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to XXXX  in XXXXXXXX on XXXX  at XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters wereXXXX XXXX XXXX  Balance is $0 with account number  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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
The company called about debt I owe i did inform the representative that I would like to settle that debt but i need call back or i can take the information and call back i was in middle handling person business with my family and I had my kids we leaving out door the representative tried keep me on phone when i told her multiple times this not good time she said well you answered the phone and proceeded to add her manager to call and continue to try keep me on phone i informed them i would call back and manger said well once kids are in car we can hold that was unprofessional and i felt like they pushy I stated multiple times I would call back once im settled in i had to end call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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 Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To all Credit Bureaus : I'm writing to officially request the deletion and blocking of all fraudulent accounts associated with my personal info due to a data breach that has compromised my identity. This breach has severely impacted my ability to obtain credits and loans. Pursuant to 15 U.S.C 1681c-2 ( a ) of the FCRA which provides protection to victims of identity theft and data breaches. I'm requesting to delete and permanently block all fraudulent accounts and any information related to those accounts from credit file. Please also remove all unknown addresses : 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 2025-07-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To all Credit Bureaus : I'm writing to officially request the deletion and blocking of all fraudulent accounts associated with my personal info due to a data breach that has compromised my identity. This breach has severely impacted my ability to obtain credits and loans. Pursuant to 15 U.S.C 1681c-2 ( a ) of the FCRA which provides protection to victims of identity theft and data breaches. I'm requesting to delete and permanently block all fraudulent accounts and any information related to those accounts from credit file. Please also remove all unknown addresses : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1200.00} Bureau ( s ) : Experian, Equifax, TransUnion Type : Collection ( Purchased Account with No Chain of Custody ) Action Requested : Deletion unless full proof of ownership, accurate DoFD, and itemized documentation are provided. 


XXXX XXXX is reporting a debt from XXXX without providing any chain of custody documentation or ownership validation. The Date of First Delinquency seems inaccurate and the lack of documentation violates FDCPA 809 ( a ) ( proof of debt ) and FCRA 623 ( a ) ( furnishing accurate information ). Metro 2 standards also require proper validation and accurate DoFD report. 

A detailed dispute letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1200.00} Bureau ( s ) : Experian, Equifax, TransUnion Type : Collection ( Purchased Account with No Chain of Custody ) Action Requested : Deletion unless full proof of ownership, accurate DoFD, and itemized documentation are provided. 


XXXX XXXX is reporting a debt from XXXX without providing any chain of custody documentation or ownership validation. The Date of First Delinquency seems inaccurate and the lack of documentation violates FDCPA 809 ( a ) ( proof of debt ) and FCRA 623 ( a ) ( furnishing accurate information ). Metro 2 standards also require proper validation and accurate DoFD report. 

A detailed dispute letter is attached.

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 2025-07-17 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: NY

Complaint narrative:
b'With respect to Chapter 41: 15 U.S. Code  1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my most recent consumer report , there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an 2nd attempt to have my personal information amended to what is correct and truth standing.\n\nCertified Mail Tracking Number :\n\nEquifax  XXXX XXXX XXXX XXXX XXXX XXXXnTransUnion XXXX XXXX XXXX XXXX XXXX XXXXnExperian XXXX XXXX XXXX XXXX XXXX XXXXn\nPlease see the attached documents'

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 2025-07-17 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} CAPITAL XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-07-17 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: TN

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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