vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
The overlying issue is that Mohela has not processed my XXXX  application to switch my student loans from XXXX forbearance to XXXX plan for 8 months and are making me resubmit the application while allowing interest to accrue in spite of their inability to process applications. 

Original application submitted to change from XXXX to XXXX on XX/XX/XXXX, shown as received by Mohela on that same date Multiple contacts via online portal to Mohela asking about processing on XX/XX/XXXX and XX/XX/XXXX in which Mohela was not processing XXXX applications. 

My correspondence on XX/XX/XXXX with mohela states that they started processing applications on XX/XX/XXXX. My application was not processed from that date until XX/XX/XXXX. I called Mohela on XX/XX/XXXX and was told that my loans would move from save to administrative forbearance at a interest rate of 0 % as of XXXX if my application was still not processed. I asked if I should resubmit my XXXX  application and was advised not to as I had a pending application from XXXX. 

On XX/XX/XXXX I noticed that I remained in XXXX forbearance and my interest rates had been added back to my account. I called mohela and was told that there was not such thing as a 0 % administrative forbearance directly contradicting the prior call. Furthermore they told me I had used my qualifying processing forbearance in XXXX and XXXX in spite of the fact that Mohela was not processing any XXXX  applications. Finally I was told it would be better to resubmit my application since their " system updated '' and they weren't sure if my XXXX application would get processed. Both calls have been recorded to prove the veracity of these statements. They refused to give me an estimated processing time, told me there would be no qualifying administrative forbearance available for this new application. They also offered no option to expedite the processing in spite of having a pending application from XXXX of last year. Essentially they refused to process an application from XX/XX/XXXX to XX/XX/XXXX and are now allowing interest to accrue on my account without providing any timeline for processing my application to get out of forbearance and make payments. They told me it would be better to resubmit my application through student aid so I did that on XX/XX/XXXX. Mohela is preventing me as a XXXX  participant to move to an XXXX plan to make qualifying repayments and charging me interest while they refuse to process any applications.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXXXXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine BANKRUPTCY XXXX XXXX XXXX Account not mine

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 2025-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
The same company reported the same collection twice so its a duplicate report on my credit to the same company for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
In XXXX, I became aware that my data had been compromised in the XXXX XXXX XXXX, which included sensitive identifying details maintained by the three major credit reporting agencies Equifax, Experian, and TransUnion. This breach occurred without my consent and has exposed me to the risk of identity theft, fraud, and other harm. 

Following the discovery of the breach, I exercised my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, to request the blocking and removal of any fraudulent or inaccurate information that may have resulted from the incident. Despite these requests, the credit bureaus failed to provide adequate responses or implement sufficient protections to prevent further harm.

I have taken steps to monitor my credit, dispute potential inaccuracies, and request security freezes. However, the companies involved have not taken full accountability for the breach or provided clear, timely communication regarding the scope of the exposure and the protections available to consumers.

I am filing this complaint to request that the CFPB take action to ensure these companies comply with federal law, address the harm caused by the breach, and provide the necessary remedies to protect affected consumers.

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 2025-08-15 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-08-15 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: TN

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to file a complaint regarding an inaccurate and unverifiable account on my credit report from Experian. I disputed this account directly with Experian on XX/XX/year>, via certified mail ( tracking number XXXX ), but have not yet received a thorough and complete investigation. The account in question is : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX The account has severe inaccuracies, including numerous " No Data '' and " - '' entries that make its reporting history incomplete and unverifiable, a clear violation of FCRA and XXXX XXXX reporting standards. The " Charge Off '' status is surrounded by missing data, making it questionable. I also have not been provided with the original signed agreement, an itemized ledger, or proof of legally required notices from the furnisher. 
I have already sent a debt validation demand to XXXX XXXX XXXX, and they have not validated the debt. Under the FCRA, Experian is legally obligated to conduct a reasonable reinvestigation, which includes confirming the accuracy of this data with the furnisher. Due to the lack of verifiable information and the serious reporting errors, I am requesting that this account be immediately deleted from my credit report.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion via XXXX Certified Mail, tracking # XXXX. I enclosed all necessary identity verification documents, including a government-issued photo ID, Social Security card XXXX and a recent utility bill reflecting my current address. My letter requested a full investigation into inaccurate entries on my credit report and correction of false personal information, in line with my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX tracking confirms that TransUnion received my dispute on XX/XX/year>. Under the FCRA, Transunion must investigate and respond within 30 days. To date, I have received no acknowledgment, results, or updatesclear evidence of noncompliance. 

TransUnions lack of action has effectively denied me the right to an accurate and fair credit report, potentially harming my financial standing. This disregard for my rights under the FCRA is both frustrating and unacceptable. I am attaching a copy of the dispute letter sent to TransUnion, along with XXXX proof of delivery to support this complaint.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been attempting to address the inaccuracies on my credit report for several months without resolution. This complaint is legitimate and not submitted in error. The ongoing presence of these errors continues to create significant burdens and negatively impacts my life. Correcting or removing these inaccuracies is essential and would provide much-needed relief.

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 2025-08-15 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: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : BG XXXX ) # XXXX XX/XX/XXXX -- {$430.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
am writing to file a formal complaint against Chime Financial , Inc. regarding their handling of transaction disputes. I believe Chime has engaged in unfair and biased dispute resolution practices that consistently favor the merchant, regardless of the evidence I submit. 

Over multiple occasions, I have filed disputes with Chime for unauthorized or incorrect charges. In each case, I provided detailed documentation to support my claim, including receipts, correspondence with the merchant, and evidence clearly showing that I was entitled to a refund or reversal of the charge. Despite this, Chime has never ruled in my favor, and their responses appear to be generic and dismissive. 

It is my belief that Chime is failing to conduct a fair and thorough investigation as required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The lack of transparency in their decision-making process, as well as their repeated refusal to consider valid consumer evidence, leaves me feeling that my rights are being ignored and that the dispute process is intentionally designed to side with merchants. 

I am requesting that the CFPB investigate Chimes dispute resolution procedures to determine whether they are complying with federal consumer protection laws. Additionally, I would like Chime to provide a detailed explanation of how my disputes were reviewed and why my submitted evidence was disregarded. 

Thank you for your attention to this matter. I am confident that your office will ensure that consumers, including myself, are treated fairly when exercising our right to dispute transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

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 explanation
Consumer complaint received 2025-08-15 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$740.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$6200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To XXXX, I am a United States XXXX XXXX currently serving on military orders. The escalated event occurred while I was on mobilized orders under title XXXX. During my mobilization, we were contacted by XXXX representatives explicitly instructing my spouse and I not to make further mortgage payments while my account was under review due to my service status. 

Despite following those instructions, my mortgage account has now been wrongfully reported to collections and my credit has been negatively impacted. Causing a high risk of losing my XXXX XXXX XXXX Clearance. This action directly conflicts with the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043, which prohibits adverse credit reporting, collection activity, and foreclosure proceedings against servicemembers during periods of XXXX XXXX or mobilization. 

Summary of Events : Date ( s ) of communication with XXXX : XX/XX/year> Name : XXXX, XX/XX/year> Name : XXXX, XX/XX/year> Name : XXXX. 
Manager aware and involved in the case is XXXX XXXX XXXX. 
Instruction received : Do not make payments during mobilization Current status : Reported to collections, negative credit reporting, financial harm, high risk of losing Top Secret Clearance and disciplinary action under the United States XXXX. 
Supporting documentation sent to XXXX  mobilization orders, communication records mentioned above, a warning memo from the military of collection activity. 

I've provided my military orders and related documentation for immediate review. To XXXX  and have urged them to treat this matter with the seriousness and urgency warranted, as it directly affects my credit and threatens a military career that spans over 20 years.

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