vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Mohela consistently keeps putting my account in forbearance when my account should not be in forbearance. The payment due says XXXX every month even though the payment breakdown says XXXX. They never have an explanation for this mix up on their site. I am on XXXX not save I dont know why my account is currently in forbearance. Being in forbearance is messing up with my PSLF counts and I expressed this to them and they say since I was placed in forbearance by accident it shouldnt affect my count but it appears that it has been as I have missing payment counts. I have called this company multiple times to fix these issues every year its getting ridiculous. I have called multiple times on this issue along since they stopped my payments in XXXX. They last 2 times they said I would be taken out of forbearance this last time she said I would have payment due XXXX first. Yet it still showing XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
There are XXXX American Express Credit Cards on my Credit Report that dose not belong to me or someone may have opened without my permission. I would love to have both Amex Credit Card Accounts completely deleted off my credit report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Advanced Financial ( XXXX ) for what I believe are predatory and abusive lending practices regarding their revolving line of credit product. 

From XX/XX/XXXXXXXX  through XX/XX/XXXX, I made XXXX payments totaling {$9600.00}. Of that, only {$2400.00} was applied to principal ( including a {$1400.00} lump sum ). The remaining $ XXXXover 75 % was consumed by recurring billing cycle fees and charges that reset monthly and made meaningful progress toward repayment impossible. These payments were timely, consistent, and often {$500.00} or more, yet the structure of the loan ensured I remained trapped in debt. 

This repayment model bears all the hallmarks of predatory lending. After reviewing my complete billing history, it's clear that I have repaid the original amount borrowed several times over. What remains on the account is not a true debt but the result of a structurally abusive product that prioritizes profit over consumer fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I'm contacting you to formally dispute and demand the immediate deletion of an item currently showing on my credit report. The information being reported is not accurate and does not meet the standards set forth under the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all data reported must be complete, factual, and verified to the highest level of accuracy. 

This item fails to meet those standards. Whether its due to outdated information, missing context, or outright reporting errors, its clear that whats being shown does not reflect the truth and does not align with FCRAs maximum possible accuracy guideline. That makes it legally unacceptable, and I will not allow it to remain.

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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
I am a XXXX XXXX permanently and totally XXXX retired XXXX veteran. All of my medical expenses are fully covered through the XXXX and XXXX. A charge for {$800.00} appeared on my credit report from a medical collection agency. This amount is inaccurate. 

After contacting XXXX and the XXXX, both confirmed that all medical claims submitted on my behalf were paid in full. They found no outstanding charges matching this amount. It appears that the provider either failed to bill insurance properly or did not update the account after payment was received. 

Additionally, I suspect this charge may not even be related to my care. I believe I may have been mistakenly billed for services tied to someone elses child, which would explain the unfamiliar charges.

I reached out to the medical provider and my insurance companies to confirm these details. Im requesting a full investigation and removal of this account from my credit report, as it is both inaccurate and potentially the result of identity or billing error.

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 2025-07-01 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: VA

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EQUIFAX ) 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. 


I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an installment loan opened at XXXX  XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: WA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Loans Due to Identity Theft and Violation of FCRA and USC Credit Laws To Whom It May Concern, I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file. These accounts were not authorized by me, and I am a victim of identity theft. Despite prior disputes, these accounts have been inaccurately verified and continue to appear on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant provisions of the U.S. Code ( e.g., 15 U.S.C. $ $ 1681-1681x ).

Details of the Fraudulent Accounts : Creditor Name ( s ) : XXXX XXXX XXXX  Account Number ( s ) : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Date opened : XX/XX/XXXX These accounts are not mine, and I did not authorize these transactions in any form. I have filed a police report and an identity theft affidavit, and I have enclosed copies of both documents along with a copy of my government-issued ID and proof of address. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), 1 am formally requesting that these fraudulent items be blocked from my credit file immediately. The continued reporting of these fraudulent accounts is causing undue harm and distress, and you are obligated by law to ensure the accuracy and integrity of the information you furnish to creditors and third parties. 
Enclosures : * Identity Theft Report ( FTC and/or police report ) * Copy of my government-issued ID * Proof of residence ( utility bill or lease agreement ) Please investigate and permanently delete these accounts from my credit file. I also request a new, updated copy of my credit report reflecting these deletions be sent to me at the address listed above. 
I expect a response within 30 days as required under the FCRA. 
Should you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office, and I will consider seeking legal action for damages incurred.

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 2025-07-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have unauthorized inquiries on my credit report and they are hurting my ability to buy a house. The inquiry is from 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 2025-07-01 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: NY

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 XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> uploaded information to correct last name and address no change XX/XX/year> uploaded information no change Called Equifax to change information no change..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In the beginning of XX/XX/XXXX, I reviewed my credit report and see that there are several inaccuracies on my credit report that should be removed. XXXX XXXX, I mailed out a letter to all three credit bureaus as well as the original creditors of the accounts requesting the removal of the paid off accounts that are listed as charge offs. The status of the accounts listed below are inaccurate and should be removed immediately due to them being paid/settled. I have attached a copy of the letter that was sent out to all three credit bureaus as well as the creditors of these accounts and I still have not been provided with information such as a debt validation letter or an updated status of the listed accounts. 
The accounts are : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Charge-Off : XX/XX/XXXX Amount Charged-Off : {$0.00} balance. Paid in full Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged-Off : {$0.00} Balance. Paid in full Account Name : XXXX Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged-Off : {$0.00} balance. Paid in full

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 2025-07-01 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am submitting this complaint due to unresolved issues related to fraudulent accounts appearing on my credit report. I am a victim of identity theft and have already submitted the appropriate documentation, including an FTC Identity Theft Report ( Report # XXXX ) Despite providing this evidence and submitting a formal dispute under Section 605B of the Fair Credit Reporting Act ( FCRA ), the credit bureau has failed to properly investigate and remove the fraudulent accounts from my credit file. The disputed accountsXXXX XXXX XXXX XXXX ( Acct : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Acct : XXXX ), and XXXX  ( Acct : XXXX ) remain on my report, causing continued harm to my creditworthiness and financial standing. 

The credit bureau has not fulfilled its legal obligation to block or delete the fraudulent information, even after receiving all necessary documents within the required timeframe. I am requesting CFPBs assistance to ensure that the credit bureau complies with the FCRA and permanently removes these unauthorized accounts from my credit report. 

Thank you for your time and support in resolving this matter. 

Sincerely, 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 2025-07-01 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: SC

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

Company 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 2025-07-01 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: NY

Complaint narrative:
My previous landlord : XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX  never returned my deposit check and instead passed on my information to a debt collection agency that immediately filed a collections report with all three credit bureaus without ever contacting me about an alleged outstanding balance of {$9700.00}. 

I filed a complaint with each credit bureau to dispute the charge to no avail. Neither company contacted me or has provided any proof of contacting me regarding this matter. 

XXXX years later, I have no deposit and this derogatory mark on my credit has had a devastating impact on my ability to apply for financial loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Experian continues to state that XXXX XXXXXXXX XXXX XXXXXXXX was discharged through Bankruptcy XXXX XXXX. Account was never included as part of the bankruptcy. No consumer debt was included in the bankruptcy filing. There was a {$0.00} balance on the XXXX XXXX at the time of filing and the account was always paid on time and in full every month. 

Proof of the BK filing paperwork has been provided several times to XXXXXXXX XXXX XXXXXXXX and Experian evidencing that no consumer debt was included. I continue to file disputes directly with Experian with proof since XX/XX/2024 and the reporting has still not been corrected by either agency. 

This incorrect and derroagory information is preventing me from qualifying for new credit card accounts with several banks and from my credit scores increasing exponentially.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I filed dispute charges made in my account towards Prosper Credit Card company. There are several charges that I did not authorized. While in dispute process, the credit company closed my account without telling me the reason why. 
My account showed charges where refunded. I called the company and asked that they issue me a check since I don't owe them any balances. 
The company refused to issue me over paid amount instead they close my account.

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 monetary relief
Consumer complaint received 2025-07-01 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: AR

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2400.00}

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