vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of my federal student loan account by Mohela ( previously serviced by XXXX ). 

Since XX/XX/year>, I have been in regular contact with Mohela -- often multiple times per month -- concerning an improperly reported past due balance of {$11000.00}. This past due amount was placed on my account while I was still enrolled in school and eligible for in-school deferment. Mohela has my school enrollment paperwork on file confirming that I should not have been billed at that time. 

Despite numerous phone calls and escalations -- including speaking directly with supervisors -- Mohela has repeatedly assured me that the delinquency would be corrected, removed from my account, and updated with the credit bureaus. To date, this has not occurred. 

As a result of this servicing error : My credit report has been negatively impacted, showing a delinquency and default. 

I was incorrectly placed into default, though Mohela has since stated that I was removed from default status. However, the default status remains reflected on my credit report, which continues to damage my financial standing. 

This unresolved issue will make it nearly impossible for me to manage repayment after completing my current degree, as the inflated past due balance is inaccurate and punitive. Because the servicer 's error caused you to fall into default and accumulate a large balance, it's fair to argue that a portion of the loan should be forgiven or credited as restitution. 

This issue has caused me significant financial harm and stress despite my full compliance with enrollment and deferment requirements. I am requesting urgent review and correction of this matter. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally bring to your attention fraudulent personal information that has been wrongfully associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, resulting from identity theft. This situation has caused significant distress and has negatively impacted both my financial well-being and personal reputation. I have already reported this incident and now demand your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
After asking for and receiving a line of credit last year I tried to purchase a Condominium a few months later. They advised me to not have any more HARD inquires done that I was near the max that they like to see. So during the process of working out the loan THEY pulled a HARD inquire on me and hurt my credit and lost the Condo purchase. 
Then this year in XXXX while trying again to purchase a Condo they started pulling out lies and inquires on my credit report and messing with my income being business vs employment ( I AM RETIRED ). Again I lost out on the Condo purchase.

I started to do some further searches on my credit report and found that they hade done MANY inquiries and further hurt my credit report.

Yesterday I closed my ONE and only account that I have with them. 
I have filed on them in court on poor business practices and now before they PAY me {$5000.00} they want an NDA. Someone needs to look into them further this is the second time they have hade to pay me for there mistakes. ( {$600.00} ). And they are most definitely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Williston Financial Group
State: CA

Complaint narrative:
1. CFPB Online Complaint Summary WFG National Title Company Problem Type : Settlement/Title Services Title Company Misconduct Summary for Portal : I am filing a complaint against WFG National Title Company of California for recording and processing a fraudulent Grant Deed tied to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The deed purported to transfer my property at XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX : XXXX ), even though it contained a blank Elisor signature block and no valid notary acknowledgment.

Despite these defects, WFG recorded the deed, which unlawfully transferred my property. This raises serious issues of fraud, consumer harm, and violation of RESPA. 

I am filing this complaint against WFG National Title Insurance Company for knowingly processing fraudulent real estate transactions and deeds tied to my property. WFG recorded and/or facilitated transfers that were based on a false legal foundation : I was misclassified as retired when I was not, which infected all subsequent orders and property actions. This fraud has already been confirmed by federal documentation, including my XXXX ( showing discharge, not retirement ) and VA XXXX award letters.

WFGs actions helped enable the unlawful use of an elisor order and the fraudulent conveyance of title. These actions violated consumer protection laws, stripped me of property rights, and led to severe financial and credit damage, including a forced bankruptcy that should never have occurred.

Supporting documentation ( deeds, court orders, impact statements ) will be attached to demonstrate clear evidence of fraud. 

Key facts : The court order authorizing an Elisor was misused and fraudulent - no Elisor actually signed on my behalf.

WFG nonetheless processed and recorded the deed with incomplete execution.

This deprived me of my property rights and compounded ongoing fraud tied to my legal disputes.

Requested Action : 1. Investigation into WFG National Title Companys handling of this transaction.

2. Removal and or Correction of the property record to reflect the defective deed.

3. Referral to enforcement authorities for negligence, fraud, or RESPA violations.

4. Accountability for WFGs role in enabling fraudulent foreclosure/title transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I obtained my credit reports from XXXX, XXXX, and Equifax. Each bureau is reporting multiple names, addresses, and employer information that are not mine or are inaccurate. 

Names reported : My credit files list variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and others. These names are incorrect and not associated with me. 

Addresses reported : The bureaus are showing past and current addresses that do not belong to me, including XXXX XXXX XXXX XXXXXXXX CA ; XXXX XXXX, XXXX TX ; XXXX XXXX XXXX XXXX, XXXX TX ; XXXX XXXX XXXX, XXXX XXXX TX, among others. These addresses are inaccurate and should not be linked to my report. 

Employers reported : Employers are being listed inaccurately or without my authorization.

I previously sent disputes requesting that these personal information errors be corrected or deleted. The credit reporting agencies have not corrected them. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and verifiable information [ 15 U.S.C. 1681e ( b ) ].

These errors are damaging because they create the appearance of identity confusion, may connect me to accounts that are not mine, and are lowering my creditworthiness. I am requesting that all inaccurate names, addresses, and employer information be immediately deleted from my credit files, and that I receive updated corrected reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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 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.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received text from chime bank about my account being closed, and how email was also sent from chime about a new profile account will be opened.I also got email saying my credit builder and savings have been closed. Then I got email about funds been transferred to someone I don't know. I then notified chime Bank and explain the situation to them to at that point they open up a dispute for this matter. I sent over documentations copies of the emails that I received from them about stating that my account being closed as well as a new profile account will be created for me and screenshots of the text message that that was sent from them stating that my account will be closed as well. Also spoke to him numerous times about the situation. They denied my claim twice. After staying over documentation they requested. I also asked them who on their end close my credit brother and savings if it had to be someone on that end to do it because I don't have access to do that. Only they do and if they can go back and listen to the recordings cuz they are being recorded on who closed my credit builder and savings. If it wasn't me. They hung up on me. They don't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX LVNV Funding LLC XXXX XXXX XXXXXXXX XXXX, SC XXXX Re : Dispute of Reported Account / Request for Settlement Account Number : XXXX ( as listed on XXXX report ) Original Creditor : XXXX XXXX XXXX XXXX. 
Balance Reported : {$650.00} To Whom It May Concern, I am formally disputing the above-referenced account, which appears on my XXXX credit file, as inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The reporting of this account raises the following concerns : 1. Unverifiable Debt You have not provided verifiable documentation proving LVNV Funding has the legal right to collect this alleged debt, including the chain of assignment from XXXX XXXXXXXX XXXX, original signed agreements, or itemized billing.

2. Incomplete Reporting The file lists vague or inconsistent information, including payment history gaps and outdated collection account status without substantiating evidence. This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) requiring accurate and complete data.

3. Potentially Outdated/Unenforceable Claim Without proper documentation, there is no confirmation that this account remains legally enforceable under applicable state statute of limitations laws. 

Demand Pursuant to FCRA 1681i and 1681s-2, I demand the following : 1. Reinvesigate this account and provide full verification of the alleged debt. 
XXXX. Permanently delete this entry from my XXXX  credit file if verification can not be substantiated with legally admissible documents. 
3. Provide written confirmation of your findings within 30 days as required by law.

Conditional Settlement Offer ( if verified ) Without admitting liability or ownership of this alleged debt, I am willing to consider a good faith settlement resolution conditioned on the following : Written agreement of Pay for Delete : Upon receipt of payment ( to be negotiated ), LVNV Funding agrees to permanently delete this account from all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX within 30 days. 
No sale, transfer, or re-reporting of any unpaid balance after settlement. 
A signed, written settlement agreement before payment is made.

If this can not be agreed upon, I insist on full deletion of this unverifiable record pursuant to federal law.

Failure to comply will constitute willful noncompliance under FCRA 1681n and 1681o, entitling me to statutory damages, attorneys fees, and all other legal remedies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Date XX/XX/year> TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identify Theft & Data Breach dispute Dear TransUnion I am writing to dispute the following information on my credit report. I believe it to be inaccurate because I have no knowledge of these accounts. Fraudulently Account to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are unverifiable, fraudulent and must be deleted permanently.

Notice If you fail to comply, I will escalate immediately by filing a complaint with the Consu Financial Protection Bureau ( CFPB ) and pursuing binding arbitration. 

Sincerely 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 2025-09-10 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I've been in contact with company in order to remove the PMI as my loan to equity is well below 80 %. Despite no. of requests and giving information : 1- That home value has increased since original loan was taken out ( as confirmed by the Company 's own website ) ; and 2- Providing information regarding $ XXXX additional home improvement ; 3- Paying the required check - that was instantly cashed-in by the company- to have evaluation done, company is refusing to remove the PMI.

Company response to consumer: Closed with explanation