vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
MOHELA is furnishing inaccurate and negative information on my credit reports despite the fact that my student loans are not in default, not delinquent, and are currently in good standing.

I am enrolled in an Income-Based Repayment ( IBR ). I have made over 30 qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program. Additionally, my loans are in deferment due to my continued enrollment in school.

Despite this, MOHELA is continuing to report incorrect balances, negative payment statuses, and accounts that have either been forgiven, removed or consolidated. These inaccuracies are harming my credit and preventing me from moving forward in the homebuying process. They have me in the system as delinquent.

I have contacted MOHELA multiple times to request correction of these errors and provided supporting documentation. However, the information has not been updated or corrected across all credit bureaus.

I am requesting that MOHELA update their reporting to accurately reflect the current status of my loans and remove any negative or incorrect information from my credit file.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) : Furnishers of credit information must not report inaccurate or incomplete information.

1681e ( b ) : Information furnished to credit reporting agencies must be accurate and updated regularly to reflect the current status.

1681i ( a ) : Any disputed information must be verified and corrected or removed within 30 days.

Action Requested : 1. Immediately correct or delete any negative or inaccurate information being reported to Experian, Equifax, and TransUnion related to my MOHELA-serviced student loans.

2. Provide written verification confirming that my loans are in good standing and not delinquent or in default.

3. Update all account statuses to accurately reflect deferment, active repayment, or forgiveness status.

Their Failure to correct these inaccuracies has caused me to file my complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), which needs to lead to legal action under FCRA 1681n and 1681o for willful or negligent noncompliance.

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 2025-04-14 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: GA

Complaint narrative:
MOHELA is furnishing inaccurate and negative information on my credit reports despite the fact that my student loans are not in default, not delinquent, and are currently in good standing.

I am enrolled in an Income-Based Repayment ( IBR ). I have made over 30 qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program. Additionally, my loans are in deferment due to my continued enrollment in school.

Despite this, MOHELA is continuing to report incorrect balances, negative payment statuses, and accounts that have either been forgiven, removed or consolidated. These inaccuracies are harming my credit and preventing me from moving forward in the homebuying process. They have me in the system as delinquent. 

I have contacted MOHELA multiple times to request correction of these errors and provided supporting documentation. However, the information has not been updated or corrected across all credit bureaus.

I am requesting that MOHELA update their reporting to accurately reflect the current status of my loans and remove any negative or incorrect information from my credit file.

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) : Furnishers of credit information must not report inaccurate or incomplete information.

1681e ( b ) : Information furnished to credit reporting agencies must be accurate and updated regularly to reflect the current status.

1681i ( a ) : Any disputed information must be verified and corrected or removed within 3
0 days.

Action Requested : 1. Immediately correct or delete any negative or inaccurate information being reported to Experian, XXXX, and XXXX related to my MOHELA-serviced student loans. 
2. Provide written verification confirming that my loans are in good standing and not delinquent or in default.

3. Update all account statuses to accurately reflect deferment, active repayment, or forgiveness status.

Their Failure to correct these inaccuracies has caused me to file my complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), which needs to lead to legal action under FCRA 1681n and 1681o for willful or negligent noncompliance.

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 2025-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My complaint is that there was not a proper safe guards placed and my money and self was at risk. There were no consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Complaint Summary : XXXX XXXX, account number XXXX I am filing this complaint against XXXX  XXXX and Experian for reporting and maintaining inaccurate and unverifiable information on my credit report, which has caused measurable damage to my credit profile and financial standing. 

This conduct violates multiple federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the prohibition of unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act. 

Details of the Issue : The account in question appears only on Experian, and is reported as open and 120 days past due, without any : Signed contract or loan agreement Verified payment history Progressive delinquency reporting ( no 30/60/90-day prior history ) Date of First Delinquency ( DOFD ) Consistency with XXXX and XXXX I formally disputed this account XXXX but Experian refused to delete the information XXXX despite lacking the legally required documentation to verify its accuracy under federal law and Metro 2 reporting standards.

Violated Laws and Standards : FCRA : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( b ) TILA : 15 U.S.C. 1637 ( a ) ( 7 ), 1640 GLBA : 15 U.S.C. 6801 ( b ), 6802 ( a ) UDAAP : 12 U.S.C. 5531 Metro 2 Standards : Improper 120-day delinquency without supporting sequence or DOFD Harm Suffered : Negative impact to my credit score Denial of credit opportunities Unjustified increase in interest rates Financial and reputational harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, Im submitting this complaint in response to an inaccurate and unauthorized collection account still being reported on my credit file by Experian. I previously requested, under the FDCPA ( 15 U.S.C. 1692c ( c ) ), that the debt collector stop all communication with me. Yet, despite that clear request, they continue to report this accountsomething that directly affects my credit and financial stability. This not only violates the Fair Credit Reporting Act due to the inaccuracy, but it also disregards my dispute entirely.

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 2025-04-14 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: FL

Complaint narrative:
Subject : Formal Dispute and Complaint Regarding Inaccurate and Unverified Accounts on My Credit Report Dear CFPB, I am writing to file a formal dispute and complaint regarding multiple negative and collection items currently being reported on my credit file. These items are being reported by debt collectors and/or original creditors that I believe are inaccurate, unverifiable, or in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the CARES Act of 2020, signed into law by XXXX XXXX XXXX XXXX XXXX 

Accounts in Dispute Below are the accounts I am formally disputing due to lack of verification, inaccurate reporting, and failure to follow legal requirements : XXXX XXXX XXXX XXXXXXXX, XXXX. 

Account ending in XXXX Charged off, balance reported : {$470.00} No 1099-C issued, no signed agreement provided First Premier Bank Account XXXX XXXX XXXX & XXXX Charged off, balances : {$1000.00} and {$1000.00} respectively No documentation of original contract or authority to collect XXXXXXXX XXXX Account XXXX XXXX XXXX Charged off, balance : {$1100.00} No response to validation request XXXX XXXX Account XXXX XXXX XXXX Charged off, balance : {$2300.00} No proof of continued collection rights or signed agreement XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Charged off, balance : {$70.00} No proper documentation or validation received XXXX XXXX ( as seen on other reports ) Collection account ( s ) No clear documentation or chain of assignment

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 2025-04-14 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: CA

Complaint narrative:
last year i was a victim of identity theft. This year a new account showed up on my credit report. I did an amendment on my police report to include the new account

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I had several unauthorized charges stemming from the months of, XXXX XXXX and I let soci know and the so called back office has declined every request, they haven't properly investigated my claims or they would find the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Dear Spring Oaks Capital , LLC : I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/year> and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good day, I cant even begin to explain how exhausting and overwhelming this has been. Out of nowhere, Im being tied to a debt that isnt minecompletely unverified and unfamiliarand now Im being harassed through calls, emails, and even threats of legal action. As someone who follows the law and values my rights, this is not only upsetting, its deeply insulting. Its affecting my mental well-being and keeping me up at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-14 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: NC

Complaint narrative:
I HAVE FILED SEVERAL DISPUTES FOR THE XXXX XXXX ACCOUNT THAT IS FRAUD, EQUIFAX WAS GIVEN A FEDERAL COURT ORDER FROM A ORDER OF A JUDGE THAT XXXX XXXX XXXX ACCOUNT IS FRAUD AND IS ORDERED IT CANT BE REPORTED TO MY PERSONAL TRADE LINE. EQUIFAX DOESNT HELP THE CONSUMER AND BELIEVES EVERYTHING THE LENDER FMCC IS SAYING AND REQUESTING THEM TO UNBLOCK THE ACCOUNT SEVERAL TIMES A WEEK. I HAVE FILED POLICE REPORTS SHOWING I WASNT EVEN IN THE COUNTRY WHEN THESE LOANS WERE TAKEN OUT AND A ARRESTED REPORT OF THE PERSON WHO STOLE MY IDENTITY. THEY PERSON WHO IS REQUESTING THIS ACCOUNT TO BE UNBLOCKED IS A LADY NAMED XXXX IN THE ID DEPARTMENT AND IT WAS HER SON WHO WENT OT XXXX FOR STEALING MY IDENTITY. XXXX ATTORNEYS HAVE TOLD THE ID TO STOP ALL REPORTING OF THIS FRAUD ACCOUNT TO MY CREDIT FILE. I HAVE REFILED LAWSUITS AGAINST XXXX XXXX AND NOW AGAINST EQUIFAX BECUASE ENOUGH IS ENOUGH. IT IS RUINING ME CREDIT WISE TO BE HONEST AND XXXX AND XXXX HAVENT EVER ALLOWED THEN TO UNBLOCK THIS FRAUD XXXX ACCOUNT. XXXX LOST ALL MAINTENANCE OVER ANYTHING CONCERNING MY NAME. I HAVE A LETTER AS OF XX/XX/2025 IT WAS DELETED AND BLOCKED BUT WITHIN MINUTES IT WAS UNBLOCKED. LIKE SERIOUSLY. THATS CRAZY TO BE HONEST. I GUESS I WILL NEED TO KEEP THE LEGAL ACTION NOW AGAINST EQUIFAX. IM LOSING MY HOUSE DUE TO THIS. XXXX KEEPS CHARGEING THE ACCOUNT NUMBER AND BALANCE AND TERMS AND EQUIFAX ALLOWS THEM TO KEEP DOING IT JUST TO HURT ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
THE DISPUTED INFORMATION DOES NOT RELATE TO ANY TRANSACTION MADE BY ME. THE INQUIRIES LISTED ARE UNAUTHORIZED.

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 2025-04-15 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: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-14 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: GA

Complaint narrative:
Apon checking the 3 major credit reporting agencies Equifax, Experian, and Transunion I noticed several accounts that have been in charged/written off status, yet they have a current balance. Once an account is considered written off it has been paid in full by the said company, meaning I should not have a past due or current balance. I have requested the 1099C form from all companies since the accounts are showing charged/written off. Under 15USCode1681b these accounts should not be showing up on my credit report nor should these agencies be reporting them. This is a form of fraud since there is a balance showing. I have disputed this and nothing has changed. That is why I am reaching out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I had automatic payments set up for four loans with Mohela, which had been working without issue since XX/XX/XXXX. In XXXX of XXXX, the company made changes to their auto-payment process that caused my automatic payments to stop functioning without any direct notice beyond emails that landed in my spam folder. 

As a result, I unknowingly became 90 days delinquent on three of my loans. I only found out when I checked my credit report and discovered that my score had dropped XXXX points. I had never missed a payment before, always paid more than what was necessary per month, and I had no intention of defaulting -- I relied on the auto-pay system and received no direct communication ( no phone call, text, or physical mail ) warning me that the payments had failed. 

I contacted customer service and escalated to a supervisor, but was told the company " does not do goodwill adjustments '' and that there was no way to reverse the credit reporting, even though I had immediately paid and resolved the issue once I learned of it. 

I believe this situation was preventable had the company used a reasonable and proactive method of notification ( e.g., a phone call or text message, especially considering the severity of the consequence ). I understand that they may have followed policy, but I feel this outcome is disproportionately damaging considering the circumstances.

Company response to consumer: Closed with explanation