vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I am deeply frustrated with MOHELAs ongoing failure to accurately and promptly count my qualifying public service employment for the XXXX XXXX XXXX XXXX ( XXXX ) program. Despite submitting all required documentation and fulfilling every requirement of the XXXX program, MOHELA has repeatedly delayed processing my employment certifications and has provided inconsistent or incomplete updates to my qualifying payment count. 

These delays and inaccuracies have real consequences. They create unnecessary stress, prolong financial uncertainty, and undermine trust in a program designed to support individuals who have committed their careers to public service. The lack of transparency, slow processing timelines, and failure to make timely corrections are unacceptable and place an undue burden on borrowers. 

Requested Outcome I am requesting that MOHELA immediately and accurately certify my public service employment to reflect the full XXXX qualifying payments that I have rightfully earned. Upon verification, I expect MOHELA to grant the loan forgiveness owed under the XXXX XXXX XXXX XXXX program without further delay. 

Borrowers deserve a loan servicer that respects their time, service, and financial well-being. I have fulfilled my obligations ; now it is MOHELAs responsibility to uphold theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MT

Complaint narrative:
Please inspect the materials given ; the questions arrived without notice and may not have been reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Online access to my Ally Bank account ending in XXXX was terminated almost one month ago due to alleged unusual activity. I have attempted several times to contact Ally 's fraud department by phone to request the status of their investigation ; no one has returned my calls. I have maintained that if there was anything to look for, they would have found it by now. I have tried to contact Ally 's fraud department through email twice ; there has been no response. This situation is causing serious financial problems. Can you help me with this? I don't have the full account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing an immediate complaint regarding LexisNexis Risk Solutions for repeated violations of the Fair Credit Reporting Act ( FCRA ) relating to my consumer file and my lawful disputes. 
After months of ignored requests, I finally received my LexisNexis file on XX/XX/year>, only after filing complaints with the FTC and CFPB. I spent approximately XXXX hours reviewing and correcting numerous inaccuracies. 
Per the LexisNexis website instructions, I sent my formal dispute package via XXXX Mail with Signature Receipt to the address they provided. This package was mailed on XX/XX/year> at XXXX XXXX. 
On XX/XX/year>, the XXXX XXXX XXXX returned my dispute package stamped : Return to Sender No Such Number Unable to Forward. 
This proves LexisNexis is publishing non-functioning dispute addresses, preventing consumers from exercising their rights under FCRA 611 ( 15 U.S.C. 1681i ). 
LexisNexis has : Failed to provide a usable dispute address Failed to accept lawful disputes Failed to reinvestigate within the required timeframe Provided inaccurate information that is affecting my o creditworthiness o insurance premiums o overall consumer risk profile Caused substantial time and financial harm I am requesting immediate regulatory intervention and oversight. 
I demand that LexisNexis : XXXX. Accept my dispute and reinvestigate all disputed items. 
XXXX. Remove unverifiable, inaccurate, or improperly linked records. 
XXXX. Provide written verification of all corrections. 
XXXX. Provide a working, validated dispute address. 
LexisNexis is a nationwide consumer reporting agency. They can not legally publish non-working addresses and reject lawful FCRA disputes. 
I request your office compel LexisNexis to comply with federal and state law and process my dispute immediately. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XX/XX/XXXX {$140000.00}. I reached out to Shell point a servicer about why they start reporting an account that I was told that would not report at all from the original companies that I dealt with. I originally went to.truss financial to provide a HELOC and Ive had to make a complaint against them as well as XXXX XXXX before reference with this complaint numberXXXXXXXX with the CFPB. I was insured that this account would not report negatively on my credit from the very beginning but Shellpoint has reported a fully drawn amount of the HELOC, as if I was not forced from the beginning to pull all of the equity, essentially misrepresenting the product and classifying the product as a HELOC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC, was sold or put in charge of collecting the amount of the card from XXXX XXXX. However, they would not report the amount agreed upon or the payments already made to XXXX XXXX  before they acquired the account. The payment process was set up through a 3rd party who had already agreed upon payments directed to XXXX XXXX. The remaining amount was paid in full on XX/XX/year> to settle the account in dispute. Final payment was made with a request to update all negative information being reported to the credit bureaus to simply state paid as agreed or to completely remove the account from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 am disputing the accuracy of multiple charged-off accounts, inquiries, and late payments that Experian is reporting. These items appear to be unverifiable, outdated, or incorrect. I am requesting a full investigation and removal of any entries that can not be validated. 

Charged Off Accounts in Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : XXXX Inquiry Disputes XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Late Payment Disputes These late payments appear inaccurate and need investigation. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am disputing the following accounts on my credit report with Equifax. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am submitting this statement to address the accounts in dispute on my credit report. The following are the details of the accounts I am disputing across each of the credit bureaus. 

Equifax ( EQ ) : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am writing to dispute certain accounts on my credit report as they are either inaccurate or incomplete. Below, I have outlined the accounts I am disputing, separated by bureau, for your review and prompt resolution. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX DEPTEDXXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
Please verify this ; its late and might not be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following inaccuracies on my credit report with the three major credit bureaus : Experian ( EX ), The following accounts are being disputed due to discrepancies regarding their status and reporting. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$7400.00} XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$1600.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$950.00} XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX, XXXX, XX/XX/XXXX, {$800.00} XXXX XXXXXXXX, XX/XX/XXXX, {$73.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1200.00} LATE PAYMENT XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
Dear Sir/Madam, I am a consumer working to repair my credit, and I am disputing the following accounts on my credit reports from Experian ( EX ), These accounts are inaccurate and require correction. The details of the disputed accounts are as follows : CHARGED OFF Account Name : Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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 2025-12-01 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: VW Credit
State: FL

Complaint narrative:
Hello, I am writing regarding the recent repossession of my XXXX XXXX. I had called in previously and explained that I was prepared to make the {$2500.00} payment to bring the account current. Unfortunately, I was dealing with personal matters, which caused the delay, but I now have the full funds available to cure the past-due amount. 

Although I acknowledge the missed payment was my responsibility, I noticed that there records list XX/XX/XXXX as the payment due date. I had made arrangements to move my payment date to the end of the month due to all my XXXX  XXXX  clear at the end of month with is industry standard in my field. 

I have made consistent payments on this vehicle for four years, and now, right at the end of my lease, it feels like there was no consideration for customer history or graceeven after I called to make the account current. 

I was informed that because the lease has ended, the only option now is for me to pay {$28000.00}, and that my vehicle had already been repossessed without a warning or opportunity to resolve the delinquency. Yesterday, XX/XX/XXXX, would have been the full 2 months, but the car was repossessed before reaching that mark. 

While I understand I fell behind due to a personal matter non income related, I reached out proactively to pay the full past-due amount since I was all over the place due to a family matter and did not realize I had not made the payment being under XXXX with personal matter. Instead, I was told no payment arrangements can be made because the vehicle has been repossessed, and that their are only willing to accept the full payoff since lease has ended.

After four years of on-time payments, reaching the end of the lease, and demonstrating a reliable payment history, I am asking for reconsideration. This decision heavily impacts my credit, and reporting a repossession is a choicenot an obligation. Given my history, I am asking whether there is any room for compromise or a more reasonable resolution that reflects my four years as a consistent customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MS

Complaint narrative:
NATIONAL RECOVERY AGEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN 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