vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I am asking to have a forbearance removed from my Mohela account so that I can begin making Public Service Loan Forgiveness ( PSLF ) -qualifying payments.

I was on the SAVE forbearance until XX/XX/XXXX, when I received several letter from Mohela that my IDR plan application was approved and that my first due date would be XX/XX/XXXX for a specified amount. That same day, I received an additional letter from Mohela titled repayment schedule change, which clearly stated that I was placed on IBR.

These letters confirmed that Id be placed on a processing forbearance until XX/XX/XXXX, when I would then start payments under IBR. This is important because the processing forbearance counts towards PSLF, whereas other forbearances do not.

I have received no other written communications from Mohela. My account still shows that I'm on IBR, but it is also showing that I am in a forbearance that continues to get pushed later and later. My payments never resumed in XXXX and I'm being told by Mohela agents that I was never placed on a processing forbearance. My Mohela account also shows " Return 2 repayment remediation awarded XX/XX/XXXX '' and I R2rr months should also count towards PSLF. 

Mohela agents suggested that this forbearance might have come from an older IDR application. When I check my FSA account, I'm showing two applications ( IBR submitted XX/XX/XXXX and PAYE submitted XX/XX/XXXX ), which are both closed. If Mohela is keeping me on a forbearance from either of these accounts, this is incorrect because they're both closed with FSA. 

Mohela is also telling me that it's FSA 's responsibility to remove the forbearance, but FSA is telling me that it's Mohela 's role.

I've reached out several times asking for this forbearance to be removed. I've filed with my state ombudsman, the XXXX XXXX XXXX, and the Consumer Financial Protection Bureau.

I'm just asking to be removed from this forbearance so that I can resume payments on my loan. Because I didn't request this forbearance and because it seems to be incorrectly applied, I'm also requesting that all months in this forbearance since IBR approval in XXXX count towards PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Date : XX/XX/year> To : [ Insert Credit Bureau Name & Address listed below ] Subject : Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear [ Experian / TransUnion / Equifax ], I am writing to formally dispute and request the immediate deletion or correction of the following inaccurate and outdated information from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ) : XXXX. Personal Information : Please remove all old/incorrect addresses and retain only the following : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, remove any name variations or misspellings associated with my file. My full legal name is : XXXX XXXX XXXX. Accounts : I request the permanent removal of all : Closed accounts Derogatory accounts ( late payments, charge-offs, collections, etc. ) Any inaccurate or unverifiable information These items are negatively impacting my credit score and are not accurate, complete, or verifiable. 



XXXX. Dispute Codes to Include ( for internal handling or submission via XXXX XXXX portals ) : Code XXXX : Not my account Code XXXX : Information is incorrect Code XXXX : Account paid in full please update Code XXXX : Remove due to obsolete information Code XXXX : Delete address not mine Code XXXX : Name is incorrect Enclosed : A copy of my government-issued ID A copy of a utility bill or other official mail confirming my correct address Please conduct an investigation as required by the FCRA and send me an updated copy of my credit report when your investigation is complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: GA

Complaint narrative:
Formal Dispute and Request for Investigation Student Loan Accounts Due to XXXX Violation To Whom It XXXX Concern, I am writing to formally dispute and request the removal and cancellation of student loan accounts reported by Edfinancial Services and XXXX XXXX on my credit report. My personal and financial data associated with these loans was compromised in a manner that violates the Family Educational Rights and Privacy Act ( FERPA ). As a result, I am requesting the full cancellation of the student loan debt and immediate removal of these accounts from my credit file.

Please initiate an investigation into these accounts and their legitimacy given the privacy breach. Enclosed you will find documentation supporting my claim, including identification and any correspondence related to the data breach.

I request a response within the 30-day timeframe as stipulated by the Fair Credit Reporting Act ( FCRA ). Please confirm the outcome of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: IA

Complaint narrative:
The account is verified by XX/XX/year>. 
The transaction is error .i didnt know I have an account with MoneyLion finance I believe my self in XX/XX/year> I didnt open any account about financial but when I call the already have my information about my name, my email., social security everything that why I confused how they got my information .. please I need your help thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

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 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 2025-06-20 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: GA

Complaint narrative:
b'Dear CFPB:\n\nMY FEDERAL STUDENT LOANS SHOULD HAVE BEEN AUTOMATICALLY DISCHARGED, BECAUSE I AHVE BEEN DEEMED XXXX XXXX SINCE 2011.  NONETHELESS, THE XXXX XXXX XXXX XXXX  DISCHARGE APPLICATION PRIORITY MAILED XXXX XXXX, DELIVERED ON XXXX XXXX XXXX-MONDAY, AND XXXX XXXX XXXX CONTINUE HARASSING, STALKING, AND REPORTING INACCURATE INFORMATIN ON CREDIT REPORT WHEN THE ENTIRE DEBT SHOULD HAVE BEEN CANCELLED.  PLEASE ASSIST.  I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.\n\nRespectfully,\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 2025-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
b'Dear CFPB:\n\nMY FEDERAL STUDENT LOANS SHOULD HAVE BEEN AUTOMATICALLY DISCHARGED, BECAUSE I AHVE BEEN DEEMED XXXX XXXX SINCE 2011.  NONETHELESS, THE XXXX XXXX XXXX XXXX  DISCHARGE APPLICATION PRIORITY MAILED XXXX XXXX, DELIVERED ON XXXX XXXX XXXX-MONDAY, AND XXXX  & XXXX  CONTINUE HARASSING, STALKING, AND REPORTING INACCURATE INFORMATIN ON CREDIT REPORT WHEN THE ENTIRE DEBT SHOULD HAVE BEEN CANCELLED.  PLEASE ASSIST.  I ATTEST, AFFIRM, AND CERTIFY ALL INFORMATION VERY ACCURATE AND VERY TRUTHFUL.\n\nRespectfully,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2023, Balance : {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX Account number XXXX and the three major credit reporting XXXX, Equifax, and XXXX  to multiple violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX has erroneously placed this account on my credit report, negatively impacting my credit standing. Despite my repeated requests, they have failed to provide legally required documentation to validate these debts. Specifically, XXXX XXXX has refused to provide the following : Proper accounting records True validation of debt Forward flow agreement Chain of assignment Purchase agreement Insurance claim of debt My signature agreeing to pay Their refusal to furnish these records violates 15 U.S.C. 1692g under the FDCPA, which requires debt collectors to verify debts upon request. Additionally, XXXX XXXX has engaged in harassment and deceptive practices, including : Issuing XXXX  XXXX warnings in an intimidating manner Misrepresenting themselves as a government agency, violating 15 U.S.C. 1692e ( 1 ) Furthermore, XXXX XXXX has violated the Gramm-Leach-Bliley Act ( GLBA ) Sections 6802 & 6803, which mandate financial institutions to protect consumer privacy and properly disclose how personal financial information is handled. XXXX XXXX has failed to : Provide clear privacy notices regarding my financial information Obtain proper authorization before sharing or handling my personal financial details Ensure transparency regarding their use of my data These violations infringe upon consumer protection laws intended to safeguard financial privacy and fair debt collection practices. Moreover, the credit bureaus have failed to properly investigate my disputes, violating 15 U.S.C. 1681i ( a ) under the FCRA. Despite my requests, they have neglected their obligation to remove inaccurate information from my report, unjustly supporting XXXX XXXX improper reporting practices. I request immediate action from the CFPB to investigate XXXX XXXX XXXX unlawful collection tactics and the failure of credit bureaus to fairly review my disputes. I demand the immediate removal of these accounts from my credit report due to lack of proper validation and documentation. I appreciate your prompt attention to this matter and look forward to your response. Please contact me if further information is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MA

Complaint narrative:
I noticed multiple unauthorized accounts and hard inquiries listed on my credit report that I did not apply for, authorize, or recognize. These include accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and others. Additionally, several hard inquiries were performed without my permission or a permissible purpose, which violates the Fair Credit Reporting Act ( FCRA 604 ).

I have never had a business relationship with some of these entities and did not consent to these inquiries or the opening of these accounts. This inaccurate information is negatively affecting my credit profile and I have already contacted the credit bureaus, but the items remain unresolved.

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 2025-06-20 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-20 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXXXXXX XXXX XXXX Date : 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 2025-06-20 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I believe my information was used improperly and without my consent I feel like my information got exposed because I did not give consent for anyone to apply for this account

Company response to consumer: Closed with non-monetary relief