vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AL

Complaint narrative:
I am disputing how my Mohela student loans are being reported to the credit bureaus. I had XXXX federal student loans with Mohela that all fall under one account. These loans went into default when payments resumed after the XXXX pause. As soon as I became aware, I paid all of them in full ( {$41000.00} ). The accounts are now closed with {$0.00} balances. 

However, Mohela is reporting these loans as defaulted with late payments across XXXX separate tradelines, even though they are part of one account. This makes it look like I had 8 defaults instead of one, which is misleading and unfairly damages my credit score. 

From the time I first borrowed in XXXX through XXXX, I was only ever required to make XXXX payments due to deferments, forbearances, income-driven repayment, graduate school deferment, and the federal XXXX pause. I never ignored my student loans, and when I realized they had defaulted, I immediately paid them off in full. 

Despite this, XXXX and XXXX continue to report these as defaults. Equifax has already removed them from my report. 

What I am requesting : I am asking Mohela to correct their reporting by either : Updating my credit files to show the accounts as Paid in Full / Closed with no default or late payment notations ; or Removing the duplicate tradelines so my credit report reflects one accurate account history instead of XXXX negative accounts. 

Impact : This inaccurate reporting has caused my credit score to drop from over XXXX to the XXXX, making it extremely difficult to qualify for a car loan or a home mortgage despite having no debt and excellent credit otherwise.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$20.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-09-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/2025, I initiated a XXXX transaction between XXXX Coinbase accounts ( Coinbase Coinbase, normally instant ). The transaction amount is {$600.00} XXXX. 

The transaction got stuck in Pending status for almost XXXX weeks. The Cancel button did not work ( kept loading indefinitely ). After that, the transaction disappeared from history, but the XXXX funds are still visible in my balance while remaining inaccessible ( I can not use or withdraw them ). 

Since then, I successfully completed XXXX other XXXX transactions between the same accounts without issues, so the problem is isolated to this transaction. 

I contacted Coinbase chat support multiple times and was provided with case numbers # XXXX, # XXXX, # XXXX, # XXXX. They informed me that the specialist team is still working on it, but no resolution has been provided, and my funds remain frozen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint 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 four ( 4 ) business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a reported balance of {$1700.00}. 

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 aforementioned fraudulent items. 

Fraudulent Hard Inquiries XXXX  ( Bank ) XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX ( Hotel and Travel ) I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit account, 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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
My loan originated with Mosaic at a fixed interest rate of 9.99 %. After Mosaic filed for XXXX XXXX bankruptcy in XX/XX/year>, the servicing of my loan was transferred to Solar Servicing LLC ( XXXX XXXX ) in XX/XX/year>. 

Mosaic publicly stated at the time of the bankruptcy that there would be no changes to loan terms, interest rates, or payment schedules for borrowers. However, the new servicer has now increased my interest rate from 9.99 % to 10.24 %, even though my loan agreement does not permit this change. I have not defaulted on my loan or triggered any contractual conditions that would allow an interest rate increase. 

This appears to be an unauthorized modification of my contract. I am requesting that the CFPB investigate this matter and require the servicer to : 1. Honor the original loan terms and restore my interest rate to 9.99 %. 2. Provide a written explanation of why they believe this increase is allowed. 3. Correct my account and remove any improper charges. Borrowers were explicitly assured that loan terms would not change as a result of
Mosaics bankruptcy, so this action is unfair and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: PA

Complaint narrative:
Inaccurate accounts reporting on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy and completeness of the information being reported on my credit file concerning the account listed as XXXX XXXXXXXX XXXX XXXX 

The account is reported as a charge-off with a past due balance of {$470.00} as of XX/XX/year>. This reporting is inaccurate, unverifiable, and misleading for the following reasons : Incomplete and Misleading Status The account is marked as both charged off and past due with a balance owed. A charge-off is considered a closed account ; therefore, it can not simultaneously be reported as an open delinquent account with a past due amount. Reporting it this way creates a double penalty and misrepresents my financial liability. 

Failure of Verification Obligations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), the consumer reporting agency is required to conduct a reasonable reinvestigation of disputed information. Unless XXXX XXXX XXXX can provide competent documentary evidence ( such as the original signed contract, full payment history, and chain of title proving ownership and authority to report this debt ), the account must be deleted.

Violation of Accuracy Requirements The FCRA ( 15 U.S.C. 1681e ( b ) ) requires Experian to follow reasonable procedures to assure maximum possible accuracy of reported information. Reporting contradictory information ( charge-off and past due balance ) violates this standard. 

XXXX XXXX This inaccurate entry is lowering my credit standing and causing unwarranted harm. The continued reporting of unverifiable and inaccurate information places Experian in violation of federal law. 

Demand for XXXX I hereby demand that this account be deleted from my credit file immediately unless the furnisher can produce complete, verifiable documentation proving the accuracy of every element of this account. Simply parroting data from a furnisher does not satisfy reinvestigation duties under the FCRA. 

Please provide me with written confirmation of your deletion or the specific documentation used to verify the account within 30 days, as required by law. 

Failure to comply will leave me no choice but to pursue remedies available under the FCRA, including statutory damages, attorneys fees, and costs.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello CFPB, I am dealing with an issue of USAA randomly closing my account without any notice while traveling. The funds in my account are for my survivability while traveling. USAA kept issuing fraud alerts on my account regardless of me calling in to reps, spending hours of hours verifying my identity such as XXXX months worth of transactions that took 45 minutes to complete. Regardless of all verification, USAA still locked my account repeatedly leaving me stuck and stranded in a foreign country without food, clothing or shelter. Once I regained access ( about XXXX week of verifying without access to my funds ) to my account ( with verified valid government ID ) USAA immediately put my account under investigation for XXXX hours, again having to go 3 days begging random strangers for money to eat and pay cheap hotels with over XXXX dollars in my account, only to be randomly told that my account was closed saying that my remaining funds will be sent in XXXX days while in most bank closures funds are immediately released after closure. A bank account can not close with remaining funds in it. The reps excuse was were waiting on all transactions to settle although there are NO PENDING TRANSACTIONS in my account. This is fraud and criminal behavior and I am requesting that USAA release my funds IMMEDIATELY whereas I am currently stuck and can not purchase living accommodations nor food as we speak. I am a XXXX veteran and this should not be allowed. USAAs written notice to me states that after 60 days the money will be sent by mail, however my father is moving from this address on XXXX and I am out of the country. There will be no way for me to receive these funds at a later date. This is very important money for me to survive while traveling and I absolutely can not wait for 60 days. If USAA can not provide a expedited mailing time, I need access to my account while they complete this 60 days investigation. They have blocked my only debit card and it has caused extreme distress and anxiety along with a severe financial hardship. I am not able to depend on any family or friends for my living expenses and I need my funds released IMMEDIATELY. If not, I need temporary access granted to withdraw substantial funds from an ATM until my next pay period, so that I am not out on the streets begging people for money.

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 2025-09-07 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. The creditor is furnishing incomplete and misleading information in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

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 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I got calls from The CBE Group about a personal business matter but they refused to answer my direct question of is this an attempt to collect a debt after the standard this is an attempt to collect a debt and any information obtained may be used for that purpose disclaimer was conspicuously absent.

After calling their corporate office I discovered that the department calling me handles exclusively XXXX accounts. After closing my last XXXX account I was contacted by debt collectors about rented property I had already returned. I informed them of this, as well as the location where my return was scanned in and accepted. Given this information, they are either attempting to collect on a fraudulent debt because the item was returned, or a debt that is fraudulent because it was created when I was not a customer of or involved in any way with XXXX. 

I have filed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XX/XX/XXXX check issued to XXXX XXXX XXXX in the amount of {$38.00}. The check was supposed to be re-issued to XXXX XXXX XXXX, daughter. I was executor of the estate. XXXX XXXX XXXX who has been deceased since XX/XX/XXXX. American Express was supposed to re-issue the check in my name provided that I submit their form, death certificate, and the small estate letter. 

I sent everything to them at American Express, XXXX. XXXX XXXX, XXXX, XXXX XXXX, and the letter package came back as not there, unable to forward, and had been opened. I have talked to several different people in there office on multiple times always getting a different answer on how to resolve this matter. My Dad 's estate account was closed several years ago due to no further activity. 

I am still waiting on a response back from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NFC U has already been sued and settled numerous times over the same problem. They deliberately delay through a designed and fraudulent system, any transfers, both internal and external for an inordinate amount of time, causing confusion about account, balances, and they have an internal system for setting up automatic payments or withdrawals or transfers without the knowledge of the consumer. This leads to overdraft charges, confusion again for the customer, and a customer service department, bereft of any interest and resolving the situation. They are systemically, taking advantage of people and utilizing their name association with the department of the Navy to further their schemes. Mostly impacted our veterans and this needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I have written this companies several letters with information with police report Monroe and Main, Ginnys and XXXX XXXX  are all affiliated. They said I opened account in XXXX. I wasnt even born. My date of birth is XX/XX/XXXX. I send them documentation but they refuse to listen they are violated. My rights threatened to sue me. Take me to take my home and put me in jail. They continue to update this matter on my credit report without proof of signature. As you look at the screenshots, you will see the year XXXX on the account they are lying trying to damage my credit score. These accounts were open fraudulently identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I accidently paid the mortgage company twice when XXXX payment should have been for another payee, they said it would be ok to pay less the difference on the next months due date. they never applied such said funds and refused to send back the funds for me to pay the correct payee Both payments were paid on XX/XX/year> XXXX payment of {$550.00} is correct second payment of {$540.00} was nt meant to go to them it was for another payee they have never said they applied or refunded the {$540.00} which is not even for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY.

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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
XX/XX/2025 I received a loan from Omni Financial with a 34.95 % Interest rate. I know my credit is exceptional but, as I looked at all my personal loans I had with them the interest was automatically set at 34.95 %. They are charging military personnel the max interest rate you can charge without triggering an investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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