vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/year>, I filed CFPB complaint ID XXXX against MOHELA regarding irregularities with my private student loans, including a loan marked consolidated rather than under a school I attended and two variable option loans with inconsistent histories. On the same date, I submitted a Formal Request for Documentation and Temporary Forbearance, specifically asking MOHELA to provide copies of : The original, borrower-signed loan agreements and promissory notes for all accounts, Any authorization documents that would validate changes to my loan status, including forbearance or rate reduction programs. 

On XX/XX/year>, I reiterated my request in writing, again asking for these documents and requesting a forbearance in light of the CFPB investigation. 

On XX/XX/year>, MOHELA sent me notices that my loans had been enrolled in forbearance and a rate reduction program. Importantly, these notices were not borrower-signed contracts and did not include any promissory notes, loan agreements, or authorization forms as I had repeatedly requested. 

Finally, on XX/XX/year>, in their official CFPB response to complaint ID XXXX, MOHELA uploaded an Attachment that again contained only MOHELA-generated status lettersnot the actual loan contracts, signed documents, or proof of my consent to forbearance or any program. 

This Attachment is non-responsive and fails to address my central complaint. By substituting internal letters for actual borrower-signed agreements, MOHELA is effectively withholding critical documentation and can not substantiate the legitimacy of these loans or the modifications they have applied to my account. 

I am requesting : 1. That MOHELA be compelled to produce the original, borrower-signed promissory notes and loan agreements for all three loans in question. 
2. That MOHELA provide copies of any signed borrower authorizations for the forbearance or rate reduction programs they claim to have placed me in, including extensions to said programs. 
3. That MOHELA be investigated for misrepresenting documentation in their XX/XX/year> CFPB response by providing only internal notices rather than required contracts. 
4. That while this investigation is ongoing, my loans remain in forbearance status without accrual of fees, interest or penalties, since I never authorized the programs they unilaterally applied. 

MOHELAs inability to provide these documents raises serious concerns of misrepresentation, improper servicing practices, and potential violations of borrower rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TN

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute fraudulent accounts listed on my credit report that I have no knowledge of and did not authorize. These false entries are adversely affecting my creditworthiness and causing undue stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unifin Inc.
State: CA

Complaint narrative:
They called saying they felt collectors and they need my social I gave up my full social too and I been scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-09-02 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 : XXXX - XXXXXXXX XXXX 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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The supporting documents are enclosed to substantiate my claim.

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 2025-09-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am reporting that I have been a victim of identity theft and to request your assistance in resolving unauthorized credit inquiries that have appeared on my credit reports as a result. 

I discovered these unauthorized inquiries when I received a notification from my credit monitoring service. These inquiries were not authorized by me and are directly related to the identity theft. 

I have already filed an identity theft report with the Federal Trade Commission ( FTC ). A copy of this report is attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am reporting that I have been a victim of identity theft and to request your assistance in resolving unauthorized credit inquiries that have appeared on my credit reports as a result. 

I discovered these unauthorized inquiries when I received a notification from my credit monitoring service. These inquiries were not authorized by me and are directly related to the identity theft. 

I have already filed an identity theft report with the Federal Trade Commission ( FTC ). A copy of this report is attached for your review.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An account I never authorized or opened appears on my credit report. This false entry is negatively affecting my credit history and must be removed promptly.

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 2025-09-02 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: GA

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 2025-09-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * COMENITY BANKXXXX XXXX XXXX Regarding : * * COMENITY BANK/XXXX Account : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the way COMENITY BANKXXXX is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1

. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by COMENITY BANKXXXX - The account reported positively for a period of time.

- After I became delinquent, COMENITY BANK/XXXX charged it off and began reporting derogatory information to the credit bureaus. 

- I never received a Negative Information Notice.

- I never received an Adverse Action Notice.

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.


2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. * * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, A credit report 's errors and discrepancies are more than just numbers or statements they have the potential to thwart someone's financial goals and dreams. Given how these reports affect people 's opportunities and life decisions, it is imperative that every piece of information be carefully examined. Years ' worth of consumer financial behavior could be at risk due to a simple oversight. My emphasis on accuracy is therefore not for my own satisfaction but rather as a call for careful consideration and adherence to the strictest truth-related guidelines. 

It is critical to recognize the role credit bureaus play in the financial system as a whole. Errors can have repercussions in areas like employment and housing. As a result, maintaining accuracy and integrity is both morally and legally required. I have faith that by realizing these ramifications, you will treat this issue with the gravity and urgency it requires.

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 2025-09-02 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: GA

Complaint narrative:
To whom it may concern, A credit report 's errors and discrepancies are more than just numbers or statements they have the potential to thwart someone's financial goals and dreams. Given how these reports affect people 's opportunities and life decisions, it is imperative that every piece of information be carefully examined. Years ' worth of consumer financial behavior could be at risk due to a simple oversight. My emphasis on accuracy is therefore not for my own satisfaction but rather as a call for careful consideration and adherence to the strictest truth-related guidelines. 

It is critical to recognize the role credit bureaus play in the financial system as a whole. Errors can have repercussions in areas like employment and housing. As a result, maintaining accuracy and integrity is both morally and legally required. I have faith that by realizing these ramifications, you will treat this issue with the gravity and urgency it requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
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 : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$650.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 2025-09-02 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:
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 - 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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC
State: LA

Complaint narrative:
I am filing this complaint regarding Mercury Financial, who has failed to provide debt validation, issued conflicting and misleading communications, and used harassing and deceptive collection methods. 

In 2024, I spoke to a Mercury representative by phone and agreed to a settlement arrangement. During that same call, the agent stated that I would not be pursued for the full balance if I made a series of scheduled payments. The representative also admitted that the company had been robocalling me multiple times per day using spoofed local numbers, even after I blocked some of them. 

Despite this arrangement, no written settlement agreement was ever provided. I have continued making timely payments, and no late fees or interest have been charged since. However, Mercury has repeatedly sent emails and text messages claiming I am past due, even while stating in other communications that my settlement is on track and nearly complete. 

They also failed to respond to my written debt validation request sent via certified mail, and are continuing to report the account to credit bureaus in a misleading and inconsistent mannersometimes reflecting a full balance, sometimes not. 

Furthermore, the robocalls and spoofed number calls occurred prior to the settlement and were frequent, aggressive, and deceptive. I have call logs and voicemails documenting these calls and a list of phone numbers linked to Mercury Financial.

Company response to consumer: Closed with explanation