vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: SC

Complaint narrative:
I am in the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Ive been an XXXX  for 27 years. I have 113 out of the 120 payments needed to have my loan forgiven. This is only 7 payments. Ive questioned and submitted complaints to have my loan count redone again but its never happened. I was told my loans were going to be forgiven by XX/XX/2026. Now I am told I need to apply for another plan for payments. Ive filled out a form back in XXXX for the loan XXXX XXXX  program. The XXXX  opportunity is only available to you if you already have 120 months of qualifying employment and buying back months in forbearance or deferment would result in forgiveness under XXXX  or XXXX XXXX XXXX ( XXXX ). I have 120 months of qualifying employment. Ive called numerous times and I cant get any answers about my buy back application. I just want to get these 7 payments done so my loans can be forgiven. Its been a stressful process not getting any help and answers

Company response to consumer: In progress
Consumer complaint received 2025-09-25 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:
Re : Final Notice of Intent to Sue XXXX XXXX Account No. XXXX ( Auto Lease Charged Off in Error ) To Whom It May Concern : This dispute concerns XXXX XXXX Account No. XXXX, associated with XXXX ending in XXXX. 
This letter serves as my final notice before initiating a federal lawsuit against XXXX XXXX for multiple violations of federal law and the serious harm you have caused me. 
Background : My vehicle financed through XXXX XXXX ( Account XXXX. XXXX ) was stolen. My insurance company paid off the loan in full. Despite this, XXXX XXXX is reporting the account as 'Charged Off {$47000.00} written off, {$5900.00} past due. ' XXXX  representatives admitted that the debt was 'sold, ' yet you continue to report the account as a charge-off. Further, no 1099-C Cancellation of Debt form has ever been issued to me despite the alleged write-off. 
Violations include : 1. FCRA 607 ( b ) Failure to assure maximum possible accuracy by reporting a false charge-off.

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information you know or should know is inaccurate.

3. FCRA 611 Failure to properly investigate and correct errors after disputes.

4. FACTA Failure to maintain accurate and truthful reporting practices.

5. IRS Regulation 1.6050P-1 Failure to issue a 1099-C after writing off {$47000.00}. 
6. Common Law Defamation & Negligence Publishing false credit information that damaged my reputation and creditworthiness.

7. Unjust Enrichment Collecting insurance proceeds while still reporting me as responsible for the debt.

Damages : Your unlawful reporting has caused severe damage to my credit profile, denials of credit and financing, emotional distress, and reputational harm.

Demand for Resolution : To resolve this matter without litigation, XXXX XXXX must immediately correct my credit reports with all bureaus to show the account as Paid/Closed/Never Late, with a {$0.00} balance, no charge-off, and no past due or late payment history. You must also provide written confirmation of these corrections and provide compensation for the damages I have suffered. 
Notice of Litigation : If you fail to comply within fifteen ( 15 ) days of receipt of this letter, I will file a lawsuit in the United States XXXX XXXX for the XXXX XXXX of Michigan against XXXX XXXX seeking statutory damages under the FCRA, actual damages, punitive damages, attorneys fees, court costs, and other relief deemed just and proper. 
This letter is your final opportunity to resolve this matter voluntarily.

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 2025-09-25 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: MI

Complaint narrative:
Re : Final Notice of Intent to Sue XXXX XXXX Account No. XXXX ( Auto Lease Charged Off in Error ) To Whom It May Concern : This dispute concerns XXXX XXXX  Account No. XXXX, associated with XXXX ending in XXXX. 
This letter serves as my final notice before initiating a federal lawsuit against XXXX XXXX for multiple violations of federal law and the serious harm you have caused me. 
Background : My vehicle financed through XXXX XXXX ( Account XXXX. XXXX ) was stolen. My insurance company paid off the loan in full. Despite this, XXXX XXXX is reporting the account as 'Charged Off {$47000.00} written off, {$5900.00} past due. ' XXXX representatives admitted that the debt was 'sold, ' yet you continue to report the account as a charge-off. Further, no 1099-C Cancellation of Debt form has ever been issued to me despite the alleged write-off. 
Violations include : 1. FCRA 607 ( b ) Failure to assure maximum possible accuracy by reporting a false charge-off.

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information you know or should know is inaccurate.

3. FCRA 611 Failure to properly investigate and correct errors after disputes.

4. FACTA Failure to maintain accurate and truthful reporting practices.

5. IRS Regulation 1.6050P-1 Failure to issue a 1099-C after writing off {$47000.00}.

6. Common Law Defamation & Negligence Publishing false credit information that damaged my reputation and creditworthiness.

7. Unjust Enrichment Collecting insurance proceeds while still reporting me as responsible for the debt.

Damages : Your unlawful reporting has caused severe damage to my credit profile, denials of credit and financing, emotional distress, and reputational harm.

Demand for Resolution : To resolve this matter without litigation, XXXX XXXX must immediately correct my credit reports with all bureaus to show the account as Paid/Closed/Never Late, with a {$0.00} balance, no charge-off, and no past due or late payment history. You must also provide written confirmation of these corrections and provide compensation for the damages I have suffered. 
Notice of Litigation : If you fail to comply within fifteen ( 15 ) days of receipt of this letter, I will file a lawsuit in the United States XXXX XXXX for the XXXX XXXX of Michigan against XXXX XXXX seeking statutory damages under the FCRA, actual damages, punitive damages, attorneys fees, court costs, and other relief deemed just and proper. 
This letter is your final opportunity to resolve this matter voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MI

Complaint narrative:
Re : Final Notice of Intent to Sue XXXX XXXX Account No. XXXX ( Auto Lease Charged Off in Error ) To Whom It May Concern : This dispute concerns XXXX XXXX Account No. XXXX, associated with XXXX ending in XXXX. 
This letter serves as my final notice before initiating a federal lawsuit against XXXX XXXX for multiple violations of federal law and the serious harm you have caused me. 
Background : My vehicle financed through XXXX XXXX ( Account XXXX. XXXX ) was stolen. My insurance company paid off the loan in full. Despite this, XXXX XXXX is reporting the account as 'Charged Off {$47000.00} written off, {$5900.00} past due. ' XXXX  representatives admitted that the debt was 'sold, ' yet you continue to report the account as a charge-off. Further, no 1099-C Cancellation of Debt form has ever been issued to me despite the alleged write-off. 
Violations include : 1. FCRA 607 ( b ) Failure to assure maximum possible accuracy by reporting a false charge-off.

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information you know or should know is inaccurate.

3. FCRA 611 Failure to properly investigate and correct errors after disputes.

4. FACTA Failure to maintain accurate and truthful reporting practices.

5. IRS Regulation 1.6050P-1 Failure to issue a 1099-C after writing off {$47000.00}.

6. Common Law Defamation & Negligence Publishing false credit information that damaged my reputation and creditworthiness.

7. Unjust Enrichment Collecting insurance proceeds while still reporting me as responsible for the debt.

Damages : Your unlawful reporting has caused severe damage to my credit profile, denials of credit and financing, emotional distress, and reputational harm.

Demand for Resolution : To resolve this matter without litigation, XXXX XXXX must immediately correct my credit reports with all bureaus to show the account as Paid/Closed/Never Late, with a {$0.00} balance, no charge-off, and no past due or late payment history. You must also provide written confirmation of these corrections and provide compensation for the damages I have suffered. 
Notice of Litigation : If you fail to comply within fifteen ( 15 ) days of receipt of this letter, I will file a lawsuit in the United States XXXX XXXX for the XXXX XXXX of Michigan against XXXX XXXX seeking statutory damages under the FCRA, actual damages, punitive damages, attorneys fees, court costs, and other relief deemed just and proper. 
This letter is your final opportunity to resolve this matter voluntarily.

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 2025-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I received a card from Incomm Payments because I switched from XXXX to XXXX and XXXX had a pay out for {$500.00} per line which I received {$1500.00} for XXXX lines in the form of an e-card a Visa Debit from which I was not able to use anywhere or withdraw from and had my funds stolen from the e-card and the customer Service representative disclosed to me that the purchases where made in XXXX XXXX CA and I live in WA  XXXX so I then filed a dispute the same day, the company told me to wait for 90 days to conduct and investigation and I did all for them to deny my dispute with no reason on the document and will not respond back, their phone lines are disconnected and there is no way of reaching this dispute team and have even sent certified mail to their address and no response but they signed for it, emails and attempted phone calls and absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of an unauthorized account that has been falsely reported under my name. I have no connection to this account, and I never consented to its creation or use. Its reporting is misleading, inaccurate, and damaging to my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$45.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I am the victim of unauthorized credit activity being reported on my credit file. A collection account from XXXX XXXX XXXX XXXX XXXX for {$710.00} is appearing on both TransUnion and Equifax. I did not open or authorize this account. I requested validation of the debt and proof of authorization, but no documentation was ever provided. 

In addition, several unauthorized hard inquiries are being reported on my credit file within the past year, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  XXXX, and XXXX. I did not apply for credit with these companies, nor did I authorize them to access my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) 604, all accounts and inquiries must have a permissible purpose and proof of consumer authorization. Because no proof has been provided, these items are inaccurate and unverifiable and must be permanently removed.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 

The following inquiries are unauthorized and must be permanently deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already disputed these items directly with TransUnion, providing both my written dispute and a copy of my official FTC Identity Theft Report ( FTC Report No. XXXX ). Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

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 2025-09-25 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: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX credit report Complaint Narrative I am filing this complaint against Nelnet for failing to properly verify and validate an account they are reporting under my name. 

I have disputed this account with Nelnet four times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, Nelnet continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Specifically, Nelnet has failed to provide : 1. A copy of the original signed promissory note.

2. A full account/payment history with all transactions, interest, and fees.

3. The method of verification used to confirm this account.

4. A resolution of inconsistencies across credit bureaus. 

Because Nelnet continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. 

Desired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( XXXX XXXX XXXX XXXX ). 
Written confirmation from Nelnet that the account has been deleted. 
Assurance that no further inaccurate information will be reported in the future. 

I respectfully request the CFPBs assistance in compelling Nelnet to comply with federal law and correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: VA

Complaint narrative:
I am reporting inaccurate information that appears on my credit report. After reviewing my credit file, I discovered one or more accounts listed under my name that I did not open, authorize, or have any affiliation with. These accounts do not belong to me and may be the result of a reporting error or potential identity theft. I have never applied for, used, or had any relationship with the creditor ( s ) reporting these accounts. I believe these accounts were mistakenly added to my credit report and are negatively impacting my credit score and financial reputation. I have already contacted the credit reporting agency ( XXXXExperian ) and submitted a formal dispute, but I am seeking further assistance from the CFPB to ensure this matter is resolved appropriately and these unauthorized accounts are removed from my credit file. I am requesting that the credit bureau and the data furnisher conduct a thorough investigation and provide proper documentation proving the legitimacy of these accounts. If they can not verify ownership, the accounts should be permanently removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Creditor Name : XXXX  Account Number : XXXX Reason : I have never opened or authorized this account. Creditor Name : XXXX  Account Number : XXXX Reason : I have never opened or authorized this account. Creditor Name : XXXX 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