vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
I have been paying on my private student loan with Mohela for nearly 15 years. I am experiencing a financial hardship and contacted Mohela several times to ask for help bringing this loan to a sustainable resolution that protects both me and my cosigner, who is my mother. 

Despite explaining my hardship, Mohela has refused to provide any meaningful options other than a short-term payment modification. When I asked to speak to a supervisor or loss mitigation department regarding alternative repayment or payoff arrangements, Mohela informed me they do not offer these options and refused to escalate my request. They also stated that they are not able to address or escalate repayment review requests via email, leaving me without any documentation of the options available. 

I explained that I am not asking to go delinquent and do not want to harm my cosigners credit. I am asking for a hardship-based review and to understand what options are available for long-term borrowers who are experiencing financial strain. Mohela has repeatedly denied or dismissed this request without escalation. 

I have consistently made payments for almost 15 years, yet Mohela states that the only way a borrower can access a payoff reduction or adjustment is by becoming severely delinquent. Because I have a cosigner, I can not allow this loan to enter delinquency, which leaves me with no viable path to relief. 

I am requesting CFPB assistance to obtain : A real hardship review by someone with authority ( not general customer service ). 

A written explanation of all hardship, repayment, modification, or resolution options available for a long-term borrower.

Escalation to Mohelas executive or loss mitigation team, as customer service supervisors have no ability to assist.

Any available options that would allow me to resolve or adjust the loan balance without requiring delinquency. 

Documentation of my account review and my hardship request. 

Mohela has not provided a clear, fair, or accessible process to review hardship options, especially for borrowers with cosigners who can not risk default. I am seeking CFPB intervention to ensure my account is appropriately reviewed and that I receive transparent information about all available options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe are inaccurate or improperly reported on my credit file. Below are the details of the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3300.00} Bank XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am disputing the following accounts due to inaccuracies on my credit report : XXXX  ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3600.00} ) XXXX  XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$370.00} ) XXXX XXXX  ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3600.00} )

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 explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-11-26 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: GA

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my credit file with TransUnion. These entries are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : ( There are no accounts listed for TransUnion ) Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> Late Payments : 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 2025-11-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had put a credit freeze on my Experian account, and needed to lift the freeze temporarily to apply for a credit card. I have consistently had difficulty signing in, as I continue to get the message that my information doesn't match theirs ( phone # and Social Security # ). I have called them and also tried online. I have tried signing in through alternative methods including using my XXXX account. There is no option to talk to a live agent. After googling this issue, it seems that there are many people who have had this same problem. It is EXTREMELY frustrating! I need to be able to get into my account to manage my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: 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 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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
So I made a transaction online with a website called outdoormissismo of XXXX. On chime its comes up as teamspiritspotcom. So a few hours later I got charged {$370.00} for full throttle. I dont know what that is I never ordered anything from there. The number on chime doesnt even work for both of them. Anyways when I saw that transaction I panicked and locked my card cause I never authorized it. They tried to charge me again {$320.00} but it didnt go through because I already locked my card. So I did a dispute and they denied it 3 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year> - The inquiry was not authorized.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
My debit card and phone was stolen.\n Beginning of XXXX {$760.00} was taken out of my account. I filed disputes on it in the meantime. Chime. Give me a revision of credit until the dispute was done. Then an hour before my XXXX check was being deposited. Chime reversed my disputes and put me negative in my account so when my s. XXXX check it which that's all the money? I have to live on all months. They took it all that's money it they give me. I didn't think it was legal for them to take my government check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have now mailed XXXX separate disputes to your company : XX/XX/year>, XX/XX/year> and again XX/XX/year> Despite sending XXXX lawful disputes, I have not received XXXX piece of verification for any negative item on my credit report. Not XXXX late payment validation, not XXXX collection validation, not XXXX charge-off validation, and not XXXX inquiry verification. My personal information corrections were also ignored. 
Instead, what I received were stall letters, which I now know ( from publicly available information and CFPB guidance ) are part of the bureaus known stall tactic systems, including claiming : That I am working with a third party That I submitted disputes through a credit repair company That I claimed identity theft All of these are false. 
I did not claim identity theft. 
I am not working with a credit repair company. 
I am the one who submitted every dispute. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable investigation withinXX/XX/XXXX days. 
I gave you XXXX days each round, and you still failed to provide verification. 
Under FCRA XXXX ( a ) ( XXXX ) ( B ) (XX/XX/XXXX ), you must provide a description of the procedure used to verify each item. 
You did not. 
Under FCRA XXXX ( b ), you must follow reasonable procedures to assure maximum possible accuracy. 
You did not. 
Under Metro 2 Compliance Standards, you are required to maintain accurate reporting, proper coding, and proper consumer dispute handling. 
You did not. 
Under FCRA XXXX ( XXXX ) and XXXX, you must provide documents used to verify accounts, including : Original creditor documentation Contract or application bearing my signature Complete payment history Itemized accounting Proof of assignment for any collection Matching identifying information You provided none of these. 
Instead, all three bureaus continue to verify information WITHOUT verification, which is a violation of FCRA, Metro 2, and CFPB regulations. 
Patterns of Illegal Behavior & Known Issues Your company has a documented history of : Failing to investigate disputes Using automated stall tactics Issuing third-party denial letters without evidence Adding unauthorized fraud alerts And multiple federal lawsuits, including data breach failures I am aware of your past violations, including : Equifax data breach TransUnion data breach Experian XX/XX/XXXX breach Yet these are the companies trusted to report and protect consumer data.

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 2025-11-26 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: TX

Complaint narrative:
I have now mailed XXXX separate disputes to your company : XX/XX/year>, XX/XX/year> and again XX/XX/year> Despite sending XXXX lawful disputes, I have not received XXXX piece of verification for any negative item on my credit report. Not XXXX late payment validation, not XXXX collection validation, not XXXX charge-off validation, and not XXXX inquiry verification. My personal information corrections were also ignored. 
Instead, what I received were stall letters, which I now know ( from publicly available information and CFPB guidance ) are part of the bureaus known stall tactic systems, including claiming : That I am working with a third party That I submitted disputes through a credit repair company That I claimed identity theft All of these are false. 
I did not claim identity theft. 
I am not working with a credit repair company. 
I am the one who submitted every dispute. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable investigation withinXX/XX/XXXX days. 
I gave you XXXX days each round, and you still failed to provide verification. 
Under FCRA XXXX ( a ) ( XXXX ) ( B ) (XX/XX/XXXX ), you must provide a description of the procedure used to verify each item. 
You did not. 
Under FCRA XXXX ( b ), you must follow reasonable procedures to assure maximum possible accuracy. 
You did not. 
Under Metro 2 Compliance Standards, you are required to maintain accurate reporting, proper coding, and proper consumer dispute handling. 
You did not. 
Under FCRA XXXX ( XXXX ) and XXXX, you must provide documents used to verify accounts, including : Original creditor documentation Contract or application bearing my signature Complete payment history Itemized accounting Proof of assignment for any collection Matching identifying information You provided none of these. 
Instead, all three bureaus continue to verify information WITHOUT verification, which is a violation of FCRA, Metro 2, and CFPB regulations. 
Patterns of Illegal Behavior & Known Issues Your company has a documented history of : Failing to investigate disputes Using automated stall tactics Issuing third-party denial letters without evidence Adding unauthorized fraud alerts And multiple federal lawsuits, including data breach failures I am aware of your past violations, including : Equifax data breach TransUnion data breach Experian XX/XX/XXXX breach Yet these are the companies trusted to report and protect consumer data.

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 2025-11-26 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: LA

Complaint narrative:
I am requesting assistance because Experian is reporting items that appear inaccurate or unverifiable. I am requesting a reinvestigation under the FCRA. 

Charged-Off Accounts in Dispute XXXX  XXXX Acct : XXXX XX/XX/XXXX {$480.00} XXXX  XXXX Acct : XXXX XX/XX/XXXX {$460.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$460.00} XXXX XXXX  Acct : XXXX XX/XX/XXXX {$0.00} XXXX Acct : XXXX XX/XX/XXXX {$620.00} XXXX  XXXX Acct : XXXX XX/XX/XXXX {$570.00} I believe some of these accounts show inconsistencies in dates, balances, or reporting compared to other bureaus. I request a full verification and correction or deletion of any unverifiable information. 

Inquiries in Dispute XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am unsure whether these inquiries were authorized. I request that Experian validate each inquirys permissible purpose. 

Late Payment in Dispute XXXX XXXX XXXX Acct : XXXX This late payment appears inaccurate. I am requesting a full reinvestigation.

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 2025-11-26 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: NC

Complaint narrative:
I am a consumer working to fix my credit and am disputing several items on my credit report for inaccuracies and incomplete reporting. Below are the accounts I am disputing, separated by bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}

Company response to consumer: Closed with explanation