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 — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Request for Full Discharge of Student Loans Due to LENDER- Mohela Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by LENDER- Mohela due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
XXXX Mohela misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, XXXX Mohela has a history of misreporting my payment status to credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which LENDER- Mohela has been sued by numerous states and the Consumer Financial Protection Bureau XXXX CFPB ). LENDER- Mohela conduct has caused me significant financial harm, mental distress, and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on XXXX Mohela advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an unauthorized debit card charge of {$960.00} for airline tickets purchased through XXXX XXXX. I did not make, authorize, or benefit from this transaction. The charge overdrew my account. The bank did not issue any fraud or overdraft alerts and did not block the charge for insufficient funds. 

I froze my card immediately and attempted to contact the banks fraud department, but it was closed due to it being Sunday. I reported the fraud as soon as the fraud department reopened the next business day. 

The bank took nearly three weeks to issue provisional credit while charging overdraft and negative balance fees. 

On XX/XX/XXXX, the bank notified me that it denied my fraud claim and would remove the provisional credit on XX/XX/XXXX. 

I requested the investigation documentation. The banks own records show that the tickets were purchased in XXXX XXXXXXXX XXXXXXXX  from an XXXX XXXX XXXX mobile device. I reside in XXXX  and use XXXX. The tickets were used by four individuals traveling with passports. My name does not appear on any of the passenger records. 

Despite this, the bank stated that the charge is considered mine solely because it was processed as a debit transaction. 

A bank fraud manager advised that proof of my IP location on XX/XX/XXXX might help reopen the claim. My wireless carrier stated they could not provide that information. I filed a police report on XX/XX/XXXX and contacted the bank again. The bank refused to reconsider and stated that the case is closed. 

I am requesting assistance in requiring the bank to reimburse the stolen funds, reverse related fees, and correct their handling of this identity theft claim.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing several errors on my Experian credit report : 1. Incorrect Previous Address My Experian report lists : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Correct address : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( ZIP correction required ). 

2. Charged-Off Accounts Reported Inaccurately XXXX XXXX XXXX, Acct # XXXX, Date XX/XX/XXXX, Balance {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX, Date XX/XX/XXXX, Balance {$680.00} XXXX, Acct # XXXX, Date XX/XX/XXXX, Balance {$440.00} I am requesting validation and verification of each account. Please confirm ownership and accuracy. If unverified, remove immediately. 

3. Inquiry Dispute XXXX XXXX, Date XX/XX/XXXX I do not recall applying for credit with this entity. Please investigate and remove the unauthorized inquiry. 

4. Name Section Please review for any incorrect or outdated name listings and correct as needed. 

Request : I request confirmation that these items have been fully investigated. If you can not verify each with proper documentation, they must be deleted per the FCRA.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the information provided by the credit reporting agencies as it pertains to the following accounts listed in my credit report. I believe the items listed below are either inaccurate or incomplete. The accounts in dispute are as follows : Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In 2024, during the purchase of my home, a solar representative initiated a loan application. The solar project was never installed, and the contractor ( XXXX XXXX ) later confirmed in writing that the project was fully cancelled and that no system was installed. Despite providing this cancellation documentation to Mosaic over a month ago and receiving a ticket number, Mosaic continues billing me for the loan. When I contacted customer service for an update, I was told there is no record of my case. I am requesting full cancellation of the loan and immediate stop of all billing.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Dear Sir/Madam, I am a consumer seeking to resolve inaccuracies on my credit report. Below are the details of the accounts that I believe have been reported incorrectly or in violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request your assistance in correcting these discrepancies. Please see below the details of the accounts in dispute : CHARGED OFF ACCOUNTS XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} INQUIRIES XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts on my TransUnion report, as they are inaccurately reported : Charged Off : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX Positive Accounts : No positive accounts reported. 

Late Payments : XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX XXXX XXXX, Account Number : XXXXXXXX XXXX Account Number 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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
About 6 months ago, XXXX Bank  contacted me about fraud on my account. I confirmed it was fraud and they said they would send me a new account. In XXXX, they reported it as a charge off on my husbands credit report even though it wasn't his account. He filed a dispute with the credit reporting agency and they removed it from his report. XXXX then reported the fraud as a charge off against me. I filed a dispute with the Credit Reporting agency. They contacted XXXX to get it corrected and XXXX insisted it was a charge off. I've called XXXX 3 weeks ago 3 times and finally received a special phone number to get this corrected. when I called this phone # twice, I was requested to leave my phone number and account number and someone would get back to me. No one has contacted me. When I received my credit report in XXXX, a New York address was listed even though I never lived there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: LEXISNEXIS
State: SC

Complaint narrative:
Lexis Nexus continues to display inaccurate information about me. I contacted them in early XXXX to notify them that accounts and identifiers were opened in my name without my consent, direction, or knowledge. Instead, they peppered my mailbox with generic policy statements and requested ID, utility bill, and other items that were provided in XXXX. I AM RE-ATTACHING THEM HERE. Please review the attachments and correct my consumer report. The information must be blocked and removed.

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: AL

Complaint narrative:
I am writing to dispute inaccurate information in my credit report, which I believe does not comply with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the accounts I am disputing, with specific issues related to each credit bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/year>, Balance : {$0.00} Late Payments : XXXX, XXXX XXXX  BANK, XXXX

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX

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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} Inquiries : None listed. 

Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX 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: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I purchase a XXXX  XXXX with Toyota Financial and when I purchased the vehicle I could not get the registration for about 6 months, I could not drive the car and they owed me for the time the car was parked, because they were having problems with the registration

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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ 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 grant 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I deposited cash and a check. I was in with waiting until check cleared. I had all documentation from courts and lawyer, and people who dispersed the check with me when opening the account. 
I was asked to verify myself and then told my account would be closed. 
I made payments to car and other bills knowing u deposited enough cash. 
They refused to give me my cash and then rejected all my payments made cause I XXXX overdraft fees and XXXX fees and my electric bring cut off and my child and I in the cold. XXXX jeopardize my job because I work from home. 
I still have recieved my funds and was told I can get some of my money but not all. They were also not going to pay fees occurred by their mistake.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation