vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am submitting complaint regarding a student loan refund request that has been unresolved for an unreasonably long period of time despite multiple follow-ups, escalations, and documented commitments from MOHELA representatives .

Background & Timeline : - XX/XX/XXXX I first submitted my refund request to MOHELA for the amount of {$460.00}. I was told it would be processed within standard timeframes. 
- Since XXXX Every time I called, I was told my case was under a 90-business-day timeframe. Each time the 90 days passed, there was a new excuse for the delay. 
- XXXX I was informed my refund had to be rebuilt twice due to processing errors. Each rebuild was presented as a resolution, yet no refund was issued. 
- XX/XX/XXXX I was informed the refund case was rebuilt again ( Case # X ) and would be resolved within XXXX business days. 
- I was also told that the refund had been escalated under Escalation # X with another XXXX window, with an expected resolution date of XX/XX/XXXX. 
- Most recently, I was told my case is now at the highest it can go in the escalation process yet I still have not received my refund. 
- Over this period, I have spent many hours and multiple days on the phone simply trying to get through to a live representative, often being placed on hold for extended periods without resolution. 

This delay now extending well beyond 16 months has caused significant frustration and undermines my confidence in MOHELAs ability to follow through on stated commitments. The repeated 90-day cycles, rebuilds, and shifting explanations suggest a systemic failure in processing refunds in compliance with Department of Education expectations . 

I respectfully request your assistance in obtaining immediate clarification on the exact reason for the delay, the current status of my case, and the confirmed date by which my {$460.00} refund will be processed. 

Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
lam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resu, ution equirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
For many years now I've been disputing inaccurate information with Experian and they've failed to properly investigate XXXX along with XXXX XXXX XXXX which have been inaccurate on my credit report along with many other different names of energy companies for the same time period and/ or different account numbers. On XX/XX/XXXX, as the letter is stating, they weren't able to come out and install a meter, due to no meter at the house on XXXX XXXX XXXX XXXX, how can I owe {$850.00} five days later on XX/XX/XXXX, as reported. My meter was not installed until XXXX of XXXX and my energy company was XXXX XXXX XXXX. My credit reports states differently yearly, closed XXXX day and went delinquent the next day, how? Towards the end of XXXX I called XXXX to try to set up electricity at XXXX XXXX XXXX And because much work necessary for inspection, I decided not to move there and I closed the account with XXXX and they refunded me my money as stated on my bank statement. Since then I've seen so many different XXXX XXXX 's names on my credit report in the last five years, from 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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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
Consumer complaint received 2025-08-11 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-11 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: NC

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX High Balance {$0.00} XXXX XXXXXXXX High Balance {$0.00} XXXX XXXX XXXX High Balance {$0.00} XXXX XXXX High Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX High Balance {$790.00} XXXXXXXX XXXX XXXXXXXX High Balance {$0.00} XXXXXXXX XXXX XXXX High Balance {$0.00} XXXX  XXXX High Balance {$0.00} XXXX  XXXX XXXX High Balance {$0.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX High Balance {$0.00} XXXX XXXXXXXX High Balance {$0.00} XXXX XXXX XXXX High Balance {$0.00} XXXX XXXX High Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX High Balance {$790.00} XXXXXXXX XXXX XXXXXXXX High Balance {$0.00} XXXXXXXX XXXX XXXX High Balance {$0.00} XXXX  XXXX High Balance {$0.00} XXXX  XXXX XXXX High Balance {$0.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NE

Complaint narrative:
There has been no debt validation done on any dispute I have done through XXXX and it keeps coming back as validated. This is not my debt and it needs to be deleted at once. Since this company has not provided me with any information I have sent this company a cease and desist letter. 

Debt validation Forward Flow Agreement Chain Of Assignment Purchase Agreement Insurance Claim Of Debt My Signature Agreeing To Pay your company 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) 15 U.S. Code 1692 ( cc )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-11 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX I had gotten a receipt saying they received my certified mail. I never lived at the address or lived in that state. When I called they gave no response saying they received it and will get back to me. I sent in my W2 as well as lease and other documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Io, Inc.
State: VA

Complaint narrative:
please remove or send me the correct info i am asking for the 1099c and the original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXor violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 1681b ( f ), by accessing and/or reporting information on my credit file without a permissible purpose. XXXX XXXX XXXX is reporting a fraudulent account ( Account : XXXX ) that I never authorized, initiated, or consented to. I have no relationship with this institution, and its presence on my credit report is unlawful. Similarly, XXXX XXXX XXXX XXXX XXXX is reporting an account ( Account : XXXX ) that does not belong to me. I have never had any dealings with this entity. These accounts must be deleted immediately. 

Under FCRA 1681b ( a ), consumer reports may only be accessed for specific, lawful purposes. These entities accessed my credit file without my consent and without a valid legal reason, which constitutes a clear violation of federal law. Furthermore, this unauthorized access breaches 1681b ( f ), which explicitly prohibits users from obtaining consumer reports without a permissible purpose. Their actions are not only illegal but also damaging to my credit profile and personal reputation. 

Legal precedent supports my claim. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled that pulling a credit report without a valid permissible purpose constitutes a willful violation of the FCRA. Additionally, recent lawsuits filed in XXXX have held credit bureaus accountable for re-reporting or permitting access to consumer reports after accounts were removed, reinforcing the seriousness of these violations. 

I am demanding immediate deletion of accounts on my credit file that lack a verifiable permissible purpose. I expect a full investigation under FCRA 1681i and written results within the required 30-day period. I also demand disclosure of the name, address, and stated permissible purpose for each entity that accessed my credit report. I have submitted a formal dispute letter to the credit bureaus and included a copy of my ID and proof of address, which are available upon request. 

If these violations are not addressed promptly, I will pursue further legal remedies, including filing complaints with the FTC and initiating a civil suit in federal court under FCRA 1681n and 1681o for damages, costs, and attorney 's fees. I expect swift and decisive action from the Consumer Financial Protection Bureau to hold these entities accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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.

Complaint narrative:
XXXX XXXX XXXXScores not accurate. Amount owed not accurate. I didn't give consent to these. School loans do not supposed to show on credit report definitively inaccurate information that possessed NO consent in doing so. I've disputed before but nothing happened. I've tried to contact dem but nothing happened."

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 2025-08-11 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.

Complaint narrative:
XXXX XXXX XXXXScores not accurate. Amount owed not accurate. I didn't give consent to these. School loans do not supposed to show on credit report definitively inaccurate information that possessed NO consent in doing so. I've disputed before but nothing happened. I've tried to contact dem but nothing happened."

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 2025-08-11 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: EdFinancial Services

Complaint narrative:
XXXX XXXX XXXXScores not accurate. Amount owed not accurate. I didn't give consent to these. School loans do not supposed to show on credit report definitively inaccurate information that possessed NO consent in doing so. I've disputed before but nothing happened. I've tried to contact dem but nothing happened."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit report includes an account I did not authorize or open. I have no connection to the reporting creditor, and this false information is damaging my creditworthiness.

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