vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MOHELA
State: TN

Complaint narrative:
Date : [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Complaint Against Mohela for Unauthorized Disclosure and Mishandling of Personal Information To Whom It May Concern : I am writing to formally file a complaint against Mohela XXXX Missouri Higher education loan authority ) for the unauthorized release of my personal and sensitive information without my consent. This action constitutes a serious violation of multiple federal protections, including the Family Educational Rights and Privacy Act ( FERPA ), the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, and the Fair Credit Reporting Act ( FCRA ). 

Under FERPA, educational institutions and affiliates are strictly prohibited from releasing personally identifiable information from education records without explicit written consent. Mohelas actions breach this statutory protection and compromise my right to privacy.

Furthermore, under the CARES Act ( Pub. L. 116-136 ), certain consumer protections were enacted to prevent negative credit reporting and unlawful disclosure during the COVID-19 pandemic. Any adverse actions or improper disclosures during this period are in direct violation of these consumer safeguards.

Additionally, the FCRA under 15 U.S.C. 1681i require that once a consumer files a dispute regarding credit information, the Credit Reporting Agency ( CRA ) must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. Despite initiating a dispute regarding the information reported by Mohela, no proper investigation or corrective action has been taken within the required time frame. 

This situation has not only violated my rights but has also caused emotional distress and harm to my credit profile causing a drastic drop of over XXXX points to my credit report. I respectfully request that the CFPB initiate an investigation into Mohelas actions and hold them accountable for their failure to adhere to federal privacy and consumer protection laws. I am also requesting that the inaccuracies and late payments be removed or that the associated accounts be deleted from my credit report as soon as possible. 

Thank you for your attention to this matter. I am available to provide any further documentation or clarification upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
Subject : Factual dispute regarding inaccurate reporting of XXXX account across credit bureaus I am submitting this complaint to dispute multiple factual inaccuracies and inconsistent data reported by the credit bureaus ( TransUnion, Experian, and Equifax ) XXXX the XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX ). After careful review of the information, I found that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i, 1681s-2, and 1681e ( b ), which mandate accurate, consistent, and verifiable reporting. 

Summary of Factual Inaccuracies : Inaccurate Payment History Reporting ( TransUnion ) : TransUnion shows a continuous CO ( charge-off ) status for over 24 months straight, from XX/XX/XXXX to XX/XX/XXXX. 
This is inaccurate and misleading, as the account was charged off long ago ( per their own reporting, last payment on XX/XX/XXXX and last active on XX/XX/XXXX ). A charge-off is a one-time accounting event, not something that continues to reoccur monthly. 
FCRA Violation : Reporting ongoing derogatory status after charge-off violates 1681i and is considered materially misleading. 

Contradictory Reporting Between Bureaus : Experian and Equifax show the same account with all monthly payments as OK ( current ) from XX/XX/XXXX to XX/XX/XXXX, while TransUnion reports them as CO for the exact same dates. 
This discrepancy highlights a failure to ensure data accuracy and consistency, violating 1681e ( b ).

Inconsistent Credit Limit Data : Equifax reports a {$0.00} credit limit, while both TransUnion and Experian report {$300.00}. This directly affects my credit utilization ratio and causes unfair damage to my score. 

Conflicting Last Payment Dates : TransUnion and Experian list the last payment as XX/XX/XXXX. 

Equifax reports the last payment as XX/XX/XXXX. 
One account can not have two different last payment dates across bureaus. This is a serious inconsistency. 

Discrepancy in High Credit Reporting : Experian reports a high credit of {$0.00}, while TransUnion and Equifax correctly report {$620.00}. This error misrepresents my borrowing history and financial responsibility.

Requested Action : Due to the significant factual errors and violations of federal reporting guidelines, I respectfully request : Immediate deletion of this account from all three credit bureaus I have attached screenshots of the inconsistent data for reference. Please ensure this matter is investigated promptly and in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
Subject : Factual dispute regarding inaccurate reporting of XXXX account across credit bureaus I am submitting this complaint to dispute multiple factual inaccuracies and inconsistent data reported by the credit bureaus ( TransUnion, Experian, and Equifax ) XXXX the XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX ). After careful review of the information, I found that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i, 1681s-2, and 1681e ( b ), which mandate accurate, consistent, and verifiable reporting. 

Summary of Factual Inaccuracies : Inaccurate Payment History Reporting ( TransUnion ) : TransUnion shows a continuous CO ( charge-off ) status for over 24 months straight, from XX/XX/XXXX to XX/XX/XXXX. 
This is inaccurate and misleading, as the account was charged off long ago ( per their own reporting, last payment on XX/XX/XXXX and last active on XX/XX/XXXX ). A charge-off is a one-time accounting event, not something that continues to reoccur monthly. 
FCRA Violation : Reporting ongoing derogatory status after charge-off violates 1681i and is considered materially misleading. 

Contradictory Reporting Between Bureaus : Experian and Equifax show the same account with all monthly payments as OK ( current ) from XX/XX/XXXX to XX/XX/XXXX, while TransUnion reports them as CO for the exact same dates. 
This discrepancy highlights a failure to ensure data accuracy and consistency, violating 1681e ( b ).

Inconsistent Credit Limit Data : Equifax reports a {$0.00} credit limit, while both TransUnion and Experian report {$300.00}. This directly affects my credit utilization ratio and causes unfair damage to my score. 

Conflicting Last Payment Dates : TransUnion and Experian list the last payment as XX/XX/XXXX. 

Equifax reports the last payment as XX/XX/XXXX. 
One account can not have two different last payment dates across bureaus. This is a serious inconsistency. 

Discrepancy in High Credit Reporting : Experian reports a high credit of {$0.00}, while TransUnion and Equifax correctly report {$620.00}. This error misrepresents my borrowing history and financial responsibility.

Requested Action : Due to the significant factual errors and violations of federal reporting guidelines, I respectfully request : Immediate deletion of this account from all three credit bureaus I have attached screenshots of the inconsistent data for reference. Please ensure this matter is investigated promptly and in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation Details and Method of Verification Under the Fair Credit Reporting Act ( FCRA ) I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued reporting of inaccurate and potentially unverifiable information on my consumer credit report. I am writing on my own behalf as a natural person. 

Pursuant to 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a detailed explanation of the reinvestigation procedures used by the consumer reporting agency in response to my prior dispute. The law entitles me to receive : A description of the procedures used to verify the accuracy of the disputed items The name, address, and telephone number of each furnisher of information that was contacted Any documentation relied upon during the reinvestigation Despite my initial dispute, I have not received this legally mandated information, nor have I received valid proof that the information being reported is accurate. 

Disputed Accounts : XXXX ( Charge-Off ) Account Number : XXXX * * * * XXXX XXXXXXXX ( Charge-Off ) Account Number : XXXX * * * * XXXX XXXX  Charge-Off ) Account Number : XXXX * * * XXXX XXXX  ( Charge-Off ) Account Number : XXXX * * * * XXXXXXXX XXXX ( Collection ) Account Number : XXXX * * * * Inaccurate Personal Information : Employers : XXXX XXXX  ( not accurate ) Employers : XXXX ( not XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered several fraudulent accounts that I did not authorize or open. These accounts are negatively impacting my credit and my ability to obtain new credit.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for the Chase Sapphire Reserve credit card online on XX/XX/XXXX and was instantly approved with a credit line of {$17000.00}. The card arrived earlier than promised on XX/XX/XXXX, but the card was delivered in the rain, and the package was soaked. 

The card packaging stated Your card is ready to use, so I attempted to use it, but the transaction was declined. I called the number on the back of the card, but no one could assist me because the relevant department had already closed. I was told to call back the next day and was given a direct number. I was also transferred to another representative and had to explain my situation again. This person gave me yet another direct number. 

The next day, I was told I had to visit a Chase branch in person. I complied and visited a branch where my identity was verified. I was told the issue was resolved. I made a small {$80.00} test purchase which succeeded. However, later the same day, I attempted to make a $ XXXX transaction, and the card was declined again. 

Despite following all instructions, making multiple calls, and visiting a branch, my card remains unreliable and unusable. I am frustrated by the inconsistent information from Chase representatives and the repeated failure to activate and use the card as promised. 

I am concerned that these unnecessary delays may prevent me from meeting the {$5000.00} spending requirement needed to receive the {$500.00} welcome bonus associated with the Chase Sapphire Reserve card. 

I would like a formal explanation, confirmation that I will not lose eligibility for the welcome bonus due to Chases internal issues, and compensation for the inconvenience, wasted time, and unusable service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AK

Complaint narrative:
I am being contacted by NCB Management Services regarding a debt they claim I owe totaling {$9000.00}. I have requested debt validation under the Fair Debt Collection Practices Act, but NCB Management Services has not provided sufficient documentation proving that this debt is mine or that they have the legal right to collect it. Despite this, they continue to report this debt to credit bureaus and pursue collection. I am requesting full validation of this debt, including the original contract, payment history, and an itemized statement of the balance. Until this information is provided, I request that this debt be removed from my credit report and all collection activities cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

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 ( 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 2025-07-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
on XX/XX/XXXX of 2025 I was told that that I owe XXXX to the school that I attended for XXXX months approximately. however, when trying to reach out and figure out how I owe this amount, I was met with threats and abusive language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I specifically ask for Transunion to " provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. '' Per the attachments via a dispute this was the second attempt to procure this information which would validate the debt they are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
As of today, I received notices from all three credit bureaus indicating that my mortgage with XXXX XXXX XXXX has been reported as delinquent. This information is inaccurate. I proactively contacted XXXX XXXX XXXX to inform them of my financial hardship, and all communications and statements from their team confirm that I have been placed on a forbearance plan. 

Per the terms of the Fair Credit Reporting Act and the CARES Act, I should not be subject to any negative credit reporting during this period of forbearance. 

Additionally, I previously submitted a formal dispute to XXXX XXXX XXXX regarding past late payments and other inaccurate information appearing on my credit reports. I did not receive any response or acknowledgment within the 30-day window as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As of today, I received notices from all three credit bureaus indicating that my mortgage with XXXX XXXX XXXX has been reported as delinquent. This information is inaccurate. I proactively contacted XXXX XXXX XXXX to inform them of my financial hardship, and all communications and statements from their team confirm that I have been placed on a forbearance plan. 

Per the terms of the Fair Credit Reporting Act and the CARES Act, I should not be subject to any negative credit reporting during this period of forbearance. 

Additionally, I previously submitted a formal dispute to XXXX XXXX XXXX regarding past late payments and other inaccurate information appearing on my credit reports. I did not receive any response or acknowledgment within the 30-day window as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation