vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: MN

Complaint narrative:
I received a letter in XX/XX/year> saying that while in forbearance, my loans could still be accruing interest, but in that letter my loans are listed at 0 % interest. In XX/XX/year>, I received the same letter, only this time my loans were listed at over 5 % interest. The letter also indicated that interest has been accruing for some time on those accounts without my knowledge since I was never notified when or why that had changed. I received no communications from Mohela between XXXX and XXXX indicating that the interest rate had changed and would begin being applied to my loan accounts. I believe this is in violation of my notification rights as a borrower. I have tried contacting Mohela about this and have been put on holds then hung up on without ever receiving any information about why I was not notified specifically about the interest rate change and when and why that went into effect.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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: NY

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 explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: HI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 am submitting this formal notice to report a suspected breach of my personal and financial information. There is reason to believe that my private data may have been accessed and/or used without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy regulations, I am entitled to the protection of my information and prompt notification of any unauthorized activity. I am requesting that you take the following actions immediately : Conduct a full investigation into any unauthorized access or accounts associated with my identity Correct and/or remove any inaccurate information resulting from this breach Provide written confirmation of the results of your investigation and all corrective actions taken Failure to resolve this matter promptly may result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Please confirm receipt of this notice immediately.

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 2025-12-03 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 am submitting this formal notice to report a suspected breach of my personal and financial information. There is reason to believe that my private data may have been accessed and/or used without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy regulations, I am entitled to the protection of my information and prompt notification of any unauthorized activity. I am requesting that you take the following actions immediately : Conduct a full investigation into any unauthorized access or accounts associated with my identity Correct and/or remove any inaccurate information resulting from this breach Provide written confirmation of the results of your investigation and all corrective actions taken Failure to resolve this matter promptly may result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Please confirm receipt of this notice immediately.

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 2025-12-03 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: GA

Complaint narrative:
I am disputing the following accounts, which I believe are inaccurate and are affecting my credit report. Below are the details for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Imperium Lending, LLC
State: SC

Complaint narrative:
Prior to closing the refinancing loan, it was presented to me by the mortgage broker that I was to receive original loan 's escrow account as a refund, in the amount of {$3400.00}. 

I received {$67.00} and was told the remainder of my funds had been moved to the new escrow, which was described by XXXX as " in accordance with what was requested by Imperium Lending ''. I reached out to the mortgage broker for an explanation, but for several days they have ignored messages and the promised return calls are never made. 

I have called multiple times and never once has the main company line been answered. 

Additionally, the mortgage broker failed to update my insurance when servicing the new loan. I supplied them with a quote from XXXX XXXX  but my loan was completed using the XXXX XXXX XXXX XXXX at a rate more than double what I provided, making my escrow unreasonably high. On XX/XX/XXXX, the day after our closing and my last successful communication with the mortgage broker, I was again assured of the amount I would receive from the escrow account and that the insurance was corrected. 

The only time I was able to make contact with the mortgage broker, he got frustrated with my questions and said " Why does it always get confrontational when I talk to you? '' and I responded that it was because my concerns were not being addressed. This specific request was for how long they intended for me to wait on a return call to explain what was going on. I asked for his supervisor and was yelled at " His name is XXXX! '' and then the phone hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized 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 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 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
On XX/XX/year>, I contacted the debt collection company ( Americollect ) to dispute an incorrect balance they claimed I owed. The company reported that I owed {$1600.00} for medical services. However, according to my insurance Explanation of Benefits ( EOB ), my actual financial responsibility for the XX/XX/XXXX service was only {$300.00}. I never agreed to pay the full {$1600.00}. 
I requested validation of the debt and informed the company that the amount they are trying to collect is inaccurate and misrepresents the true amount owed. Despite this, they have continued to pursue the incorrect balance. I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) because they are attempting to collect an amount that is not valid and not supported by my insurance records. 
I am requesting CFPB assistance to have the incorrect balance corrected and to ensure the collector provides proper validation and updates their records to reflect the accurate amount. ( This is a medical bill from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Ga ). I have called today ( XX/XX/year> ) and was told to wait XXXX weeks after XX/XX/year> to call for updates about this, when I requested over a month ago some sort of confirmation after sending proof of how much was owed, I have this on video.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I noticed that these inaccurate accounts are still appearing on my credit report and they still were not removed. This has me extremely stressed, so I am begging that the documents I attached be carefully reviewed so I can finally stop worrying about this every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
My Loan was paid in full on XX/XX/year> and I still have not received my finds that are being held in escrow ( approx ) {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] 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 explanation
Consumer complaint received 2025-12-03 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
These accounts are not mine, and they should be removed within 15 days pursuant to USC 1681g.

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 2025-12-03 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-12-03 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 have no relationship with these accounts, and they must be cleared within 15 days under USC 1681g.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I am a Retired Veteran that served in the United States XXXX for 20 years. Also, I am 90 % XXXX. I have been trying to get Santander XXXX XXXX to correct my account since XXXX of XXXX when they applied two refund checks to my account as payments that XXXX XXXX returned to them for a warranty plan that I didnt want to purchase. They received these two refunds that were to be applied towards the principal but they incorrectly allocated the refunds by applying some of the amount toward interest. It took them until XX/XX/XXXX to correct their error but in the interim billed my account extra interest that their error caused starting in XX/XX/XXXX. In that same XXXX, Santander informed me, because of their error, I was behind {$1900.00}, which I refused to pay. It was not until XX/XX/XXXX that they acknowledged their error but only gave me a credit of {$140.00} applying it all toward principal because of their mistake in handling my account. On XX/XX/XXXX, I paid {$1800.00} which was the amount that I refused to pay back in XX/XX/XXXX because my account was mishandled. Santander offered me an extension to get rid of the pass owed fees. I did want an extension. I wanted my account fixed I have paid Santander but they still wont fix the interest owed to me or my credit history. My account with Santander began reporting inaccurate pay history to the bureaus XX/XX/XXXX Santander tried again fixing their error in XX/XX/XXXX which continued the on going problem until they finally in XXXX of XXXX start taking some ownership with crediting my account with just {$140.00}. Santander is mishandling my account and its XXXX of XXXX. I bought this vehicle XX/XX/XXXX. This business relationship has been difficult from the beginning and has continued to cause me problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: ND

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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