vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
am submitting this complaint because MOHELA, my federal student loan servicer, reported 90180 day late payments on seven federal student loan accounts during a period that was later approved for retroactive forbearance from XX/XX/XXXX to XX/XX/XXXX, as confirmed in the attached letter dated XX/XX/XXXX. 

Although the forbearance was granted after the delinquencies were initially recorded, MOHELA acknowledged and applied it retroactively, yet they have failed to correct the previously reported late payments. 

I have attached : The official forbearance approval letter A screenshot of one of the loans showing 90, 120, 150, and 180 day late marks Inbox screenshots showing my multiple messages to MOHELA disputing this MOHELA correspondence confirming the forbearance approval and its timing Despite repeated contact attempts, MOHELA has not corrected the inaccurate reporting, and all 7 accounts remain marked as severely delinquent, even though no payments were required. 

I am requesting immediate removal of all late payment marks reported between XX/XX/XXXX and XX/XX/XXXX, and that MOHELA updates my accounts to reflect current status with all three major credit bureaus. This reporting violates the Fair Credit Reporting Act ( FCRA ) and is harming my credit unjustly. 

Additionally, I previously filed a credit reporting dispute with Equifax, but the investigation was marked as complete within just a few hours. They sided with MOHELA, despite the clear error and my attached documentation. 

It appears no meaningful investigation was conducted, and XXXX simply accepted the inaccurate reporting as valid without reviewing my forbearance approval or communication with MOHELA. This further highlights the lack of accountability and the need for CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have {$7000.00} in my XXXX account that they recently banned and told me I can withdraw my balance but. Its not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: NC

Complaint narrative:
My name is XXXX XXXX. I have been trying to contact MOHELA for several weeks regarding a goodwill adjustment request for a late payment that has significantly affected my credit report. 

I was unaware that the student loan in question still had a balance, and the missed payment was an honest mistake. As soon as I found out, I addressed the account and have remained current. Ive attempted to send multiple messages ( over 10 ) through MOHELAs online portal and have tried to call customer service numerous times without success. 

The automated phone system does not connect me to a live representative, and Ive followed all the correct options and prompts. I have also been unable to get a response to my messages through their secure messaging system. 

I am requesting assistance in getting MOHELA to respond to my request for a goodwill adjustment regarding the late payment from XXXX, which I believe is justified given the circumstances and my otherwise good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-04 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 letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$370.00}

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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I'm reaching out regarding an account currently listed on my credit report. Im asking that you please certify that all of the data associated with this account including the account holders identity, payment history, and any related details actually belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Trasunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-06-04 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: FL

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion is reporting several hard inquiries on my credit report with the following dates and sources : XXXXXXXX XXXX on XX/XX/2024, XXXX XXXX XXXX on XX/XX/2024, XXXXXXXX XXXX  on XX/XX/2024, XXXX XXXX on XX/XX/2024, and XXXX on XX/XX/2024. I dispute the accuracy and validity of these inquiries as I did not authorize or initiate these credit checks. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion has a legal obligation to ensure that all reported inquiries are properly authorized and verified. The presence of these inquiries, which I did not approve, suggests that TransUnion may have included inaccurate information possibly stemming from a data breach or systemic reporting error. Given the increasing number of data breaches in the financial sector, it is critical that TransUnion thoroughly investigate these entries to confirm their legitimacy. 

It appears no reasonable or sufficient reinvestigation has been performed despite my dispute. These unauthorized inquiries negatively impact my credit profile and financial reputation, causing unwarranted damage.

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 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
I am submitting this complaint regarding my recent experience with EdFinancial, my federal student loan servicer. 

On XX/XX/year>, I contacted EdFinancial by phone to re-establish forbearance on my federal student loans and specifically inquiredrepeatedlyabout all available low-income debt relief options for which I might qualify. Despite my clear and repeated requests, I was not informed about the federal student loan consolidation option, which I am eligible for and which could significantly improve my repayment situation.

I asked EdFinancial representatives multiple times to explain all low-income relief and repayment options available to me.

At no point was I told about the federal consolidation option, despite my eligibility and the fact that consolidation is a standard relief pathway for borrowers in my situation. 

I did the research myself about my eligibility for consolidation through independent research after the call. 

I believe this omission constitutes a failure to provide complete and accurate information, as required by Department of Education standards and federal servicer guidelines.

Because EdFinancial did not disclose the consolidation option, I was unable to fully understand how the recent federal changes affect my financial situation and I may have missed out on more favorable repayment or relief options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX has a checking account with Capitol One which I opened recently. As part of funding the account me and my business partner along with a private creditor moved money from personal accounts and another brokerage account under the name our XXXX. The private creditor deposited a check made out to my XXXX into the Capitol One account. 

Upon the deposits settling in the checking account, a hold was placed on the account with no notification to either of the checking account owners on XX/XX/year>2025 in the afternoon. Only after calling them, did I discover a hold on the account. When asked why the hold was in place, I was told that the check ( a larger sum ) was on hold to verify the validity of that check. I provided the phone number of the remitter of that check and Capitol One independently called and received a statement from the remitter of the validity of the check. I have called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to resolve this matter. 

However the hold remains on my full account balance despite XXXX ) The full account balance never being in question and XXXX ) The remitter of the check confirming the validity of the check itself. Upon calling the consumer protections line multiple times, no further information or timeline has been provided other than " An investigator has yet to be assigned to the account. '' No explanation has been given as to what funds are still under review if any, and what information is needed from me to clear those funds. No clear timeline has been given as to when an investigator will be assigned. A vague usually it takes between XXXX business XXXX but no firm timeline has been confirmed. 

At this time I am uncertain what the state of my account balance is, what transactions are in question, what information is needed to clear my funds, and when any of this is to be resolved. This costs my business revenue and is my livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
TransUnion is currently reporting late payment notations on several accounts that are either closed and paid with XXXX balances or show past due amounts of {$0.00}. The accounts in question include XXXX XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX  ( account ending in XXXX XXXX XXXX XXXX XXXX  ), all marked as closed and paid with XXXX balances and past dues. Additionally, XXXX XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX ) is reported with a past due status dated XX/XX/year>, but also with a XXXX dollar past due balance. 

These entries present clear inconsistencies. Reporting late payments while simultaneously showing XXXX balances and accounts that are closed and paid is contradictory and misleading. This undermines the accuracy and reliability of my credit file. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, TransUnion is legally obligated to ensure that all information reported is accurate, complete, and verifiable. The presence of these inconsistent and questionable entries suggests a failure to properly verify the data before reporting it. 

Furthermore, given the widespread nature of data breaches and systemic issues within credit reporting, it is highly plausible that these inaccurate notations are a result of data mishandling or corruption. Such errors cause unwarranted harm to my credit reputation and must be corrected 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 2025-06-04 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:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$890.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$890.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 submitting this complaint because my personal information was used and reported without my consent or legal authorization, in violation of the Gramm-Leach-Bliley Act ( Section 502 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ). I have already notified the bureaus and provided supporting documents. These XXXX accounts ( # XXXX and # XXXX ) were unlawfully added and must be blocked and permanently deleted. I request immediate CFPB action to ensure full compliance and 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  who is representing XXXX XXXX in their class action lawsuit has allegedly mailed me a check in XXXX of XXXX to an address that I havent lived at in over 5 years without confirming residence with me. When requested a reissue of the check I always get the runaround and a date that is never fulfilled! I have been taken advantage of once again and delivered numerous broken promises.

Company response to consumer: Closed with explanation