vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I started trying to have my loan forgiven in XX/XX/XXXX. I've submitted the paperwork multiple times and have been met with requests for information that were confusing and seemed unnecessary. However, I can not speak to human. When I call the number, I am continuously looped into an automated system where there is no option to speak to anyone. I can not leave a message. I've emailed and sent messages through their internal system starting in XX/XX/XXXX. When I stopped getting communication from them, I assumed the forgiveness was being processed since I wasn't getting any more requests for information. I haven't received any communication until last week when I was reported to credit agencies for overdue payments. That's when I got an email about it being overdue. However, I still can not speak to anyone at Mohela for information. The whole system seems like a giant scam, and I regret even taking out loans to complete my master 's. I have XXXX control over who my loan was sold to.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially unauthorized inquiries on my credit report. These issues have caused me significant distress and have the potential to severely impact my creditworthiness. 

The following items on my credit report are incorrect or inaccurately reported : Address Issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX This address has been reported incorrectly in my credit report. 

Incorrect Account Reporting / Late Payments : XXXX XXXX, Open Date : XX/XX/XXXX, High Balance : {$490.00} Reported as late payment. 

XXXX XXXX  Open Date : XX/XX/XXXX, High Balance : {$1000.00} Reported as late payment. 

XXXX XXXX XXXX XXXX, Open Date : XX/XX/XXXX, High Balance : {$420.00} Reported as late payment. 

XXXX XXXX XXXX, Open Date : XX/XX/XXXX, High Balance : {$1400.00} Reported as late payment. 

XXXX XXXX XXXX XXXX, Open Date : XX/XX/XXXX, High Balance : {$22000.00} Reported as late payment. 

Unauthorized/Inaccurate Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I request that the CFPB investigate these inaccuracies immediately. I demand that the credit reporting agencies correct or remove all erroneous items and unauthorized inquiries, and ensure my credit report reflects accurate and verifiable information.

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 2025-10-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-21 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: GA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-21 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The presence of this account has caused me emotional hardship and mental fatigue. Attached are all required materials to facilitate its prompt removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-21 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-21 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: VA

Complaint narrative:
I'm writing to communicate my XXXX  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 explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation 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 2025-10-21 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:
I am formally disputing inaccurate and duplicate information appearing on my TransUnion credit report dated XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of these items and delete or correct any that are inaccurate or unverifiable. 
XXXX. XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reports as 60 days late ( XX/XX/year> ). 
I dispute the accuracy of this late mark. Payment records indicate this account was paid within the required timeframe. 
Please provide the method of verification and furnishers contact details as required under 1681i ( a ) ( 6 ) ( B ) ( iii ).

If you can not verify with supporting documentation, this late mark must be deleted. 
XXXX. Department of Education XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Multiple tradelines appear for the same student loan, each showing 120 days late and marked consumer disputes after resolution. 
This is duplicate and inconsistent reporting, violating FCRA 1681s-2 ( b ) and 1681e ( b ) ( maximum possible accuracy ). 
Please delete any duplicate or unverifiable entries and correct the remaining tradeline. 
XXXX. Personal Identifiers My report lists variations of my name and address. 
Please keep only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Please complete this reinvestigation within 30 days and provide written confirmation of deletions or corrections, along with the description of your reinvestigation procedure per 1681i ( 7 )

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year> I went to an appointment at the US bank location inside the XXXX XXXX location in XXXX Colorado to get my name added to my Mother 's bank accounts so I had access in case of emergency. During this visit the banker said I had an offer for a credit card that included several benefits including 0 % interest on purchases and balance transfers for 2 years. He said I had 60 days to decide on the offer. He then said that if I was to open the credit card today that I would also get the normal 5 % balance transfer fee waived but only if I accepted immediately. I accepted that offer and we went through with the paperwork. I was still charged the 5 % balance transfer fee equaling {$480.00}. 

When I returned in a follow up appointment I had a different banker helping me and told her about the situation and asked why I was charged the fee when I was promised otherwise. She said she had also signed up for the same credit card expecting no balance transfer fee and was also charged the fee. She promised to bring up the issue with management and follow up with me. 

I then called both the regular US bank customer service as well as the US bank credit card customer service where I was told there was nothing they could do. When I followed up with the branch the original banker told me they would offer a {$150.00} credit.

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 monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account reported by National Credit Systems for approximately {$4500.00}. I have never received any written notice, validation, or supporting documentation for this alleged debt as required under the FDCPA and FCRA.

National Credit Systems is reporting this account without ever providing : 1. A copy of the original signed lease or contract 2. A final itemized move-out statement detailing the charges 3. Proof of assignment/ownership or legal right to collect Because no validation has been provided, continued reporting to the credit bureaus constitutes furnishing information that can not be substantiated, which is a violation of 15 U.S.C. 1692g ( b ) and FCRA 623 ( a ) ( 1 ). 

I am requesting that this account be removed from all consumer reporting agencies unless full validation is produced, including : Original executed lease agreement Detailed accounting of charges Chain of title establishing ownership and collection authority I am also requesting regulatory review of National Credit Systems practice of reporting unvalidated apartment collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I had an ally bank account and on XX/XX/XXXX I lost access to the account due to a lock. The company stated they were looking into the account for further review and I requested that since my funds of approximately {$150.00} will be held I would rather just close the account and have them send the funds out but they are being completely non-communicative.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC

Complaint narrative:
So I had a debt with XXXX  for {$380.00} so it went into a credit collector XXXX XXXX  I paid it off through them they have it on record about 6 months after they sent it to another credit collector XXXX confirmed that I pay them off but the other credit collector has no recollection of it XXXX still charging me for something that I already paid I keep disputing it and they keep sending it to different debt collectors they need to stop because if they contact XXXX XXXX  they can see that it was already paid off and they're ruining my credit for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fundo LLC
State: FL

Complaint narrative:
I am filing a complaint regarding a funding agreement from Fundo. The total repayment obligation and fee structure were not clearly disclosed prior to funding. The full repayment cost and the factor rate were only made clear after my account was already funded and only when I attempted to pay the balance off early. 

Before funding, Fundo presented this as an advance, not a loan, which implied it would not be subject to standard lending disclosures or fixed-cost terms. There was also no clear disclosure that early payoff would not reduce the total cost that is a material term that would have affected my decision to accept the funds. 

When I attempted to resolve the balance early, I was then informed of the fixed factor rate and told that paying early would not reduce the amount owed. This means the most material cost information was withheld until after the agreement was already executed and after funds were disbursed. 

I have disputed the obligation with Fundo before making any payments and am requesting regulatory review. I am asking that the CFPB : 1. Investigate Fundos disclosure practices for UDAP and lending compliance 2. Require rescission of this agreement due to deceptive presentation of cost 3. Prevent any withdrawal or collection activity during an active dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief