vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I have been reaching out since my recertification in XX/XX/year> to get my income driven repayment paperwork completed. I have spoken to countless people and tried to get information about my account to get my monthly payment updated and my months of service count towards forgiveness. They just keep putting me in forbearance. My payment was {$38.00} a month and now since they wont process my paperwork it is {$990.00}. Since I cant afford that, they just keep putting me into forbearance and telling me to call back every other month to extend it if they dont process the paperwork. I am roughly XXXX years into this XXXX year program and this is the by far the worst year yet with issues yearly. I have reached out countless times. They even recommended completely resubmitting my application back in XXXX because they stated that something with the irs changed and they would be accepting and processing applications with this new feature before all of the older applications which is ridiculous. That put me into yet another 90 day processing window. It has been almost an entire year now when I did my paperwork and my part when I was supposed to. I told them I didnt want in the save plan, just the typical plan I had been on for years. It feels shady being that I should be completing XXXX of my XXXX years with these months that they arent counting now. Im not sure what else to do since they will not give me any new information. The response I consistently get is that its held up in the government, but mohela is the one not processing my application and adjusting my monthly payment as agreed and done the last multiple years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 a confirmed victim of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission, FTC Report Number XXXX, and provided supporting documentation including proof of identity and proof of address. 

Despite receipt of this information, the credit reporting agencies continue to report fraudulent accounts that were opened and reported without my knowledge or authorization. 

Under 15 U.S.C. 1681c-2 ( a ) and 1681c-2 ( c ), once a consumer reporting agency receives a valid identity theft report, it is required by federal law to block the reporting of fraudulent information within four ( 4 ) business days. This requirement is mandatory and non-discretionary.

The continued reporting and/or failure to block these accounts constitutes willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o, impermissible furnishing of consumer report information under 15 U.S.C. 1681b, and defamation of character. 

The fraudulent accounts include, but are not limited to : XXXX XXXX  Account # XXXX {$5200.00} XXXX XXXX XXXXXXXX Account # XXXX {$3100.00} XXXX  Account # XXXX {$20000.00} XXXX XXXX Account # XXXX {$1000.00} XXXX Account # XXXX {$6000.00} XXXX XXXX Account # XXXX {$30000.00} XXXX XXXX Account # XXXX {$1200.00} XXXX XXXX Account # XXXX {$3700.00} Each bureau has been provided notice and documentation. No further verification beyond what the FCRA permits is authorized. I am requesting CFPB intervention to require immediate compliance with federal law, permanent deletion of the fraudulent accounts, and written confirmation of correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I am a confirmed victim of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission, FTC Report Number XXXX, and provided supporting documentation including proof of identity and proof of address. 

Despite receipt of this information, the credit reporting agencies continue to report fraudulent accounts that were opened and reported without my knowledge or authorization. 

Under 15 U.S.C. 1681c-2 ( a ) and 1681c-2 ( c ), once a consumer reporting agency receives a valid identity theft report, it is required by federal law to block the reporting of fraudulent information within four ( 4 ) business days. This requirement is mandatory and non-discretionary.

The continued reporting and/or failure to block these accounts constitutes willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o, impermissible furnishing of consumer report information under 15 U.S.C. 1681b, and defamation of character. 

The fraudulent accounts include, but are not limited to : XXXX XXXX  Account # XXXX {$5200.00} XXXX XXXX XXXXXXXX Account # XXXX {$3100.00} XXXX  Account # XXXX {$20000.00} XXXX XXXX Account # XXXX {$1000.00} XXXX Account # XXXX {$6000.00} XXXX XXXX Account # XXXX {$30000.00} XXXX XXXX Account # XXXX {$1200.00} XXXX XXXX Account # XXXX {$3700.00} Each bureau has been provided notice and documentation. No further verification beyond what the FCRA permits is authorized. I am requesting CFPB intervention to require immediate compliance with federal law, permanent deletion of the fraudulent accounts, and written confirmation of correction.

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 2025-12-29 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score.

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed.

That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

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 2025-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Out of the blue today I received a text from a Credence Resource Management LLC claiming a debt of {$780.00} to them reference a TXXXX account. Here 's the info below : Credence Resource Management , LLC - Debt Collector. Hi XXXX, the current balance on your XXXX account XXXX is {$780.00}. Resolve it now by calling XXXX or by paying online. Pay : XXXX XXXX XXXX Rights : XXXX XXXX XXXX Reply STOP to opt out. 


Dear Credence Resource Mgmt LLC : In light of your unsolicited text message to my cell, I NEVER signed any agreement with your company ever. Therefore, request the following in accordance with Fair Credit Reporting Act ( FCRA ) 15 USC 1692 G I require the following from your company please?

1. A full detail list of my payment history.

2. Provide the original signature where I agreed/contractually with your company. 

3. Any insurance claim found on the said debt of {$780.00} from XXXX account : XXXX. 

4. Change of Title to your company to collect? 

Thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX vehicle was repossessed by Chase Autos contracted vendor ( Coastline ) in California in a manner that constituted breach of peace, property damage, and ongoing unsafe handling of collateral. 

The vehicle was parked in my private driveway, locked, and actively plugged into a charger inside my garage. The repossession agents first attempt to repossess the vehicle involved attempting to tow or move it while it was still plugged in, which caused property damage to the charging equipment, the wall in my garage, and the electrical outlet the charger was plugged into. I verbally objected and told the agent to leave my property. 

Despite my objection, the agent continued. In video evidence, the agent stated, this is a fing repossession. I told the agent I would not disengage the charger. The agent then forcibly entered the locked vehicle to disengage the charger himself. After the recording stopped, the agent stated, I dont have to do a fing thing, when again told to leave. This conduct occurred on my private property after verbal objection. 

The vehicle was subsequently towed using a two-wheel lift, despite XXXX requiring flatbed-only towing, creating risk of drivetrain and electrical damage. 

After repossession, the vehicle was stored by the repossession vendor in an unsafe and negligent manner. The vehicle was left with all doors and windows open for multiple days, exposing the interior, electronics, and contents to theft and weather. After I remotely secured the vehicle, it was later found unlocked with the hood left open for an extended ( multiple days ) period during cold, foggy conditions, creating further risk of moisture intrusion and electrical damage. These conditions indicate repeated custody failures and improper safeguarding of collateral. 

The inventory list provided by the repossession vendor is incomplete, and personal property ( a pair of XXXX sunglasses with case ) is missing and not listed. This is being included in a police report. 

Chase initially denied that a breach of peace occurred and refused to provide its legal reasoning in writing. After escalation, Chase XXXX XXXX reopened the investigation and requested that I submit video evidence directly, which I did. Despite this active investigation, Chase sent a letter dated XX/XX/XXXX stating the vehicle will be auctioned on or after XX/XX/XXXX, creating a risk of spoliation of evidence. 

Chase has also reported the repossession on my credit report while the matter is formally disputed and under active XXXX XXXX  review, without properly marking the account as in dispute, causing credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information currently being reported on my Experian credit file. There are addresses listed on my credit report that do not belong to me, I have no knowledge of them, and I have never resided at those locations. The addresses XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, FL XXXX are not mine and should not be associated with my credit profile. Their presence indicates improper data matching, and I am requesting that Experian conduct a proper investigation and permanently delete these incorrect addresses from my credit report. 
Additionally, Experian is reporting a charge-off account under XXXX, account number ending XXXX, with an open date of XX/XX/year>, and a reported balance of {$1300.00}. I do not recognize this account, I have no knowledge of it, and I do not believe it belongs to me. Despite this, the account continues to be reported as a charge-off, which is inaccurate. Experian is required under the Fair Credit Reporting Act to ensure that all information reported is complete, accurate, and verifiable. Reporting an account that I do not recognize without proper verification is a violation of these obligations. 
I am requesting that the CFPB require Experian to conduct a lawful and thorough reinvestigation into this matter. If Experian can not fully verify the ownership and accuracy of this account and the associated reporting, the account must be deleted from my credit file. I also request confirmation that the incorrect addresses have been permanently removed and that my credit report reflects only accurate, verifiable information going forward.

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 2025-12-29 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 am filing this complaint against Experian, TransUnion, and XXXX  for their continued reporting of inaccurate, unauthorized, and unverifiable credit information despite repeated disputes and clear notice of noncompliance. 

My consumer reports contain numerous unauthorized hard inquiries that were placed without my knowledge, consent, or permissible purpose. I did not apply for credit, sign any applications, or authorize access to my consumer report for the following inquiries, yet they continue to be reported across bureaus : XXXX  XXXX XXXX ( multiple dates ) XXXX XXXX  ( multiple dates ) XXXX XXXX XXXXXXXX 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 In each instance, no bureau or furnisher has produced a signed application, written authorization, firm offer of credit, or court order as required under 15 U.S.C. 1681b. Continued reporting of these inquiries constitutes unlawful access to my consumer report and a failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Additionally, my reports contain unverifiable and illegally reported tradelines from XXXX XXXX XXXX XXXX and XXXX that have already been deleted by another national consumer reporting agency, establishing that these accounts could not be verified through reasonable procedures. Despite this cross-bureau deletion history, the remaining bureaus continue to report these accounts without producing : Original signed agreements Complete payment histories Balance validation from the original creditor The following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Continued reporting of accounts that another bureau has determined to be unverifiable violates 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) and Metro 2 consistency requirements. The bureaus have failed to conduct lawful reinvestigations and have instead relied on automated responses and boilerplate verifications, which is expressly prohibited under the FCRA. 

This inaccurate reporting has caused ongoing harm to my credit profile, limited my access to credit, and exposed me to identity theft risk. The repeated nature of these violations demonstrates a pattern of reckless and willful noncompliance.

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 2025-12-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 disputing the following accounts on my TransUnion report, as they are inaccurately reported : Charged Off : 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 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

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