vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
I have attempted to contact a representative from Mohela multiple times. No matter which combination of key inputs I press after calling the toll-free number, I can not reach a representative. I believe the voice prompts/message are purposely drawn out to dissuade and frustrate callers. 

I do not believe Mohela is managing my loans nor communicating appropriately. 

I applied to income-driven repayment plan earlier this year. I was on the SAVE plan. I received a message I was approved for IDR.

The last Mohela message I received was dated on XX/XX/XXXX. It stated that I was now in IDR with payments to resume on XX/XX/XXXX at a cost of {$550.00} for 8 months, followed by an increase to {$2700.00} on XX/XX/XXXX. 

This is not reflected on my main account. It says I have no payments due, and there are also not chnages upcoming in XXXX. 

I can not reach a representative to discuss any of this. I have sent a secure message through their website. 

My account summary/history is also not up to date. It was last updated in XXXX. I would like a statement to ensure I did not have any interest accrual during the administrative forbearance. 

I also can not enroll in Auto pay.

I received a message XX/XX/XXXX stating that I will be accruing interest in XXXX, however there was no follow-up message, and nothing is reflected on Mohela 's website.

Overall, I believe Mohela is doing a poor job with communication and transparency. I believe they deliberately create barriers to decrease accessibility, frustrate payers, and ultimately waste their time. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 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: WI

Complaint narrative:
I checked my recent credit report and noticed there were fraudulent accounts reporting that are harming my moving forward, I plan to take this to the furthest degree and Im asking for immediate removal

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am disputing the accuracy and completeness of the CB/Express ( Comenity Bank ) account appearing on my credit report. The account is reported as Purchased by another lender, but no information is provided regarding which lender purchased the account. I contacted Comenity Bank to request the name of the company that purchased the debt, but they refused to provide this information.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have a right to know who currently owns this account so that I can verify and, if necessary, address the debt. The lack of transparency prevents me from exercising my rights to dispute or validate the debt with the correct party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
Transunion Credit bureu is incorrectly reporting my accounts, they experienced a data breacb and my information and credit were compromised. I have fraudulent charges and reports in my credit reports. Transunion, XXXX and XXXX  are reporting false and fraudulent accounts as 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 non-monetary relief
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
Transunion Credit bureu is incorrectly reporting my accounts, they experienced a data breacb and my information and credit were compromised. I have fraudulent charges and reports in my credit reports. Transunion, XXXX and XXXX  are reporting false and fraudulent accounts as 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 2025-09-07 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:
Transunion Credit bureu is incorrectly reporting my accounts, they experienced a data breacb and my information and credit were compromised. I have fraudulent charges and reports in my credit reports. Transunion, XXXX and XXXX  are reporting false and fraudulent accounts as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT 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
Consumer complaint received 2025-09-07 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a written dispute to Equifax on XXXX regarding several accounts that were incorrectly associated with my Social Security Number . These accounts were originally opened before the issuance of my SSN, when I only had an ITIN. Therefore, they should not legally appear on my credit report under my SSN. 

Equifax 's response was only the phrase Verified as accurate and that transactions were reported correctly ''. They did not provide any documentation such as a signed credit application, billing statements, or any evidence that these accounts were created using my SSN. Under the Fair Credit Reporting Act ( FCRA ), simply stating verified without documentation is not a reasonable reinvestigation. 

I request that the CFPB require Equifax to conduct a proper reinvestigation, provide documented proof of how these accounts were verified, and remove the inaccurate accounts if such documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I made a monthly payment through the banking app for {$500.00} before the due date. For some reason, the entire balance of {$19000.00} was taken. I reached out to American Express and was advised to wait XXXX business days to request a credit balance refund. I reached back out again on XX/XX/XXXX requesting a refund for the overpayment and was told that a request for the amount of {$18000.00} was submitted and to wait 7-10 business days for it to be mailed. As of XX/XX/XXXX, I still had not received the refund check that I was promised, so I contacted customer service again. I was told that the check was mailed out on XX/XX/XXXX. On XX/XX/XXXX, I reached out again to customer service as I still had not received the check. The customer service rep at that point told me the check was mailed directly to my bank, which I found amusing to say the least. I was again asked to wait XXXX business days but this time I was asked to provide my routing and account number for a wire transfer. On XX/XX/XXXX, I noticed that the balance on my card had now been updated to reflect {$18000.00}. As of XX/XX/XXXX, I have not received any transfers, XXXX, or wire to the account information I provided to the representative on XX/XX/XXXX. This effectively puts me in a {$37000.00} deficit. Previous attempts to reach out for assistance have gotten me nowhere but deeper into this mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I have a discount tire credit card through sychrony bank. They have a promotion at discount tire 6 months same as cash. 

I purchased a set of tired for {$590.00} Payed of the card in 3 months last payment being on XX/XX/XXXX at XXXX XXXXXXXX XXXX 

They tried charging me a late fee of {$31.00} Their reasoning is because it wasn't made before midnight east coast time when there is nothing in the original credit card contract that payments are to be made before midnight east coast time. I wasted 40 mins of my life on the phone arguing with a representative. While yes they removed the charges. They still said there could possibly be more do to a timing issue. 

I believe this credit card company tries to do this to all there consumers as a way to make more profits off of unsuspecting individuals.

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 2025-09-07 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and XXXX has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I had been a victim of XXXX XXXX and credit cards were opened in my name fraudulently. I have battled with this company for years and they refuse to remove the fraudulent account from my credit report. They only respond and say this is your account and it belongs to you. I have asked for proof that I opened the account and they fail to provide proof only to send me a copy of some charges that were not made by me. It has been XXXX yr battle with this company and it has gotten out of had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-07 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: IA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I had been a victim of identity theft and credit cards were opened in my name fraudulently. I have battled with this company for years and they refuse to remove the fraudulent account from my credit report. They only respond and say this is your account and it belongs to you. I have asked for proof that I opened the account and they fail to provide proof only to send me a copy of some charges that were not made by me. It has been XXXX yr battle with this company and it has gotten out of had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XX/XX/year> Central Portfolio Cont XXXX XXXX XXXX XXXX XXXX MN XXXX Account : XXXX RE : Cease and Desist Per 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as my formal written notice under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you immediately cease all communication with me concerning any alleged debt you claim I owe.

Please be advised that, as allowed under federal law, I am exercising my right to request that you stop contacting me. You are hereby notified that any further contact by your agency, except as permitted by law ( i.e., to advise me that collection efforts are being terminated or that specific legal actions may be taken ), will constitute a violation of the FDCPA. 

Let this serve as your legal notice to cease all communication, including but not limited to phone calls, letters, emails, or any other form of contact. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: IL

Complaint narrative:
I am disputing the account listed as XXXX XXXX, XXXX. I have no record of ever establishing a contract or debt with XXXX XXXX or any authorized debt collector for this account. Please provide documentation from the original creditor confirming that this debt collector owns this debt and has the legal authority to pursue collection. If such proof can not be provided, I request its removal from my credit report. 

Under the Fair Credit Reporting Act, I am requesting the removal of any information that can not be verified to be accurate and complete. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I ask that you complete your reinvestigation within 30 days and correct or delete this unverifiable information accordingly.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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