vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I was forcefully put into forbearance on my student loans. I am a XXXX  XXXX working towards Public Student Loan Forgiveness. I am on XXXX qualifying payments. I have attempted to call Mohela several times, and the shortest amount of time it takes to get a hold of a human, Advanced Representative is XXXX hours. 

On XX/XX/XXXX my application was approved to leave forbearance and I was moved to an ICR plan with {$0.00} payments for XXXX  months and 0 % interest for those XXXX  months. 

On XX/XX/XXXX, while trying to speak with Mohela and update my qualifying payments- a recalculation application happened unintentionally. This prompted a new application, and my {$0.00} for 12 months and 0 % interest changed to {$390.00} a month. I called Mohela on XX/XX/XXXX, the second it happened, and spoke to an advanced representative who assured me she successfully canceled the recalculation and told me nothing is going to change on my account. This was on a recorded line, and I asked again, just to verify and she stated nothing will change on my account and the XX/XX/XXXX ICR disclosure letter will still be in effect. 

On XX/XX/XXXX, I received a new disclosure letter advising that my entire plan changed and I am now paying {$390.00} a month starting in XXXX of XXXX rather than XXXX of XXXX after Mohela advised me several times that was not the case, and that the application in XXXX was successfully canceled. 

I have made several attempts to contact Mohela since, and while on hold for XXXX hours, the call disconnects.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My employer sent an international wire transfer to a bank account that was closed. 

The bank ( Wells Fargo ), did not reverse the wire transfer, and has held the funds for over XXXX weeks. 

They refuse to give me any information. My employer claims that Wells Fargo told them I had to authorize the debit back to their account. This makes no sense, because I do not have an account. 

This has caused me significant financial hardship.

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 2025-07-18 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DOE XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
I have two XXXX XXXX credit card accounts that were charged off in XXXX. I entered into payment arrangements with XXXX  XXXX in late XXXX, and have made 44 consecutive monthly payments through the law firm XXXX XXXX XXXX, which XXXX XXXX directed me to after I had trouble accessing their own online payment system. 

Despite nearly four years of regular payments, both accounts continue to be reported inaccurately to credit bureaus as " charged off '' with static, past-due balances and no recognition of the repayment arrangements. My XX/XX/XXXX, Experian credit report still lists balances of {$11000.00} and {$11000.00}, with no indication of the active payment plans or my good-faith repayment. 

I have repeatedly requested written confirmation of my account status and balance from both XXXX XXXX and XXXX XXXX XXXX. XXXX & XXXX refused twice to provide written confirmation, saying they would only speak by phone. XXXX XXXX also declined to provide documentation after multiple calls. 

I filed formal disputes with all three credit bureaus in XX/XX/XXXX. All responded that XXXX XXXX had verified the inaccurate information as correct, and no corrections were made. 

I believe this violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to provide accurate and complete data. This ongoing misreporting has caused substantial credit harm and led to denials of credit. I have supporting emails, credit reports, payment confirmations, and correspondence on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-18 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:
b'"I sent a certified letter to Transunion XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX  via XXXX. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:\'\' \nXXXX XXXX XXXX ACC # XXXX BALANCE $XXXX\nXXXX ACC #XXXX BALANCE $XXXX\nXXXX  ACC # XXXX BALANCE $XXXX\nXXXX XXXX XXXX  ACC # XXXX BALANCE $XXXX \nXXXX ACC # XXXX  BALANCE $XXXX\nXXXX XXXXCC #  XXXX BALANCE $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 2025-07-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-18 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: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-18 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: WI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my 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 2025-07-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: RI

Complaint narrative:
I am filing this complaint to dispute XXXX charged-off accounts originally held by XXXX XXXX Bank XXXX XXXX in * XXXX and * XXXX ) and to report duplicate collection activity from separate entities for the same balances. 

These accounts were charged off in XXXX and XXXX, yet both are still being reported as charged off every single month through XX/XX/XXXX on my credit reports ( Equifax and Experian ), in violation of : FCRA 623 ( a ) ( 5 ) Furnishers are required to report accounts accurately. Continual re-reporting of a charge-off is misleading and artificially extends the derogatory effect.

FCRA 611 & 607 ( b ) My disputes were verified without addressing the core issue : repeated negative reporting post-closure. 
XXXX XXXX XXXX XXXX XXXX should be reported once, with final status ( e.g., Paid, Sold, or Transferred ), not monthly indefinitely. 

In addition, I am now seeing collection activity from XXXX XXXX XXXX for the same balance that XXXX XXXX already charged off. This is either a case of : Incorrect double reporting on my credit file, or Double collection efforts for the same debt, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). 

These practices result in an inaccurate picture of my creditworthiness, artificially inflate my reported debt, and are materially misleading to lenders.

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 2025-07-18 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: RI

Complaint narrative:
I am filing this complaint to dispute XXXX charged-off accounts originally held by XXXX XXXX Bank XXXX XXXX in * XXXX and * XXXX ) and to report duplicate collection activity from separate entities for the same balances. 

These accounts were charged off in XXXX and XXXX, yet both are still being reported as charged off every single month through XX/XX/XXXX on my credit reports ( Equifax and Experian ), in violation of : FCRA 623 ( a ) ( 5 ) Furnishers are required to report accounts accurately. Continual re-reporting of a charge-off is misleading and artificially extends the derogatory effect.

FCRA 611 & 607 ( b ) My disputes were verified without addressing the core issue : repeated negative reporting post-closure. 
XXXX XXXX XXXX XXXX XXXX should be reported once, with final status ( e.g., Paid, Sold, or Transferred ), not monthly indefinitely. 

In addition, I am now seeing collection activity from XXXX XXXX XXXX for the same balance that XXXX XXXX already charged off. This is either a case of : Incorrect double reporting on my credit file, or Double collection efforts for the same debt, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). 

These practices result in an inaccurate picture of my creditworthiness, artificially inflate my reported debt, and are materially misleading to lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint against Wells Fargo Auto for engaging in fraudulent commercial practices, contract misrepresentation, and unjust enrichment. I was unknowingly listed as a Co-Buyer on a loan agreement dated XX/XX/XXXX, for a XXXX XXXX XXXX XXXX VIN ending in XXXX ), without full disclosure or lawful consideration. 

I never received any funds, lawful money, or proceeds from the transaction, and I was not made aware that I would be treated as a joint debtor under this commercial loan. This is evident by the attached Retail Installment Sales Contract, which does not reflect a valid bargained-for exchange, and by the fact that I was listed in a subordinate role without acknowledgment or benefit.

The contract constitutes a fraudulent financial instrument under commercial law, and there is no proof that lawful money per 31 USC 5118 ( d ) ( 2 ) or actual value per UCC 3-303 was exchanged.

I am now acting in my lawful private capacity as Trustee of the XXXX XXXX XXXX XXXX XXXX  which has perfected standing as Secured Party Creditor under UCC Financing Statement # XXXX, lawfully filed with the North Carolina Secretary of State.

The fact that Wells Fargo Auto has failed to issue a 1099-A or 1099-C, while claiming that the vehicle was not for business and that no discharge occurred, further underscores the concealment of financial wrongdoing. The loan appears to have been engineered purely for credit creation and unjust gain. 

I demand immediate investigation and remediation for : Contract misrepresentation and unauthorized co-borrower status Lack of lawful disclosure or consent Failure to acknowledge UCC-protected standing Concealment of discharge activity and refusal to issue 1099 forms Potential constructive fraud and conversion Attached are : Declaration of Standing and Enforcement Authority ( Trust ) UCC-1 Financing Statement Copy of the Wells Fargo auto loan contract Correspondence dated XX/XX/XXXX from Wells Fargo I request full administrative review and lawful resolution under federal contract law, banking regulations, and UCC protections. Please also investigate whether Wells Fargo misclassified this asset intentionally to avoid IRS accountability.

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