vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I am writing to file a formal complaint against MOHELA regarding their mishandling of my student loan account and the severe damage it has caused to my credit. I am XXXX XXXX XXXX and have worked incredibly hard to build and maintain my finances and XXXX XXXX. I am well aware of the importance of fiscal responsibility and having good credit. I monitor my credit via XXXX  and XXXX XXXX, ALWAYS pay my bills on time, and take pride in being financially responsible. So when I was recently denied approval for an auto lease for a car Ive been working towards, I was blindsided. I was made aware that my score had plummeted because of a late payment on a MOHELA student loan I was never made aware was entering repayment. 

I never received a single email or letter in the mail notifying me that repayment had begun. I had given full permission to be contacted by phone, yet I was never called nor left a voicemail. Only after logging into my MOHELA account did I discover a backlog of letters buried in the account inbox, messages I was never reasonably directed to view. 

Despite my regular credit monitoring through XXXX  and XXXX XXXX, I also never received a XXXX or XXXX day late payment notice alert. The only alert came at the XXXX mark, and by that point, I had already discovered the issue myself the day before after being denied for the auto lease As soon as I realized what had happened, I acted immediately. I brought both MOHELA accounts current, overpaid out of fear, and set up automatic payments well above the minimum. But the damage was done and my XXXX XXXX dropped over XXXX points. That kind of drop is devastating for someone my age. This drop is a huge roadblock in the future I have been working so hard towards. 

This situation is not a result of irresponsibility. Its the outcome of a servicers failure to communicate. MOHELA had multiple ways to alert me and they failed. I am now left with a tanked XXXX XXXX and a negative mark, which will haunt me for the next XXXX  years. 

I am pleading for someone to take a closer look at this and consider what can be done to remove the late payment mark from my credit report. I dont want to be haunted for the next XXXX years by a miscommunication. Ive done everything in my power to make this right going forward. I am not looking for a handout, just a hand up. 
I also know I am not the only XXXX with this complaint regarding MOHELA. I am pleading for any possible help with this. Also, MOHELA 's communication practices should be looked into as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
Credit reporting Incorrect information on your report Who is the company youre complaining about? 
Select all three : XXXX  Experian XXXX  And also : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am submitting this complaint due to repeated and unresolved violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

Since XX/XX/2023, I have formally disputed an alleged debt reported by XXXX XXXX XXXX. I submitted four written validation requests under FDCPA 15 U.S.C. 1692g, asking for : Proof of the original debt and itemization, A signed agreement, Full account history and dates, Authorization to collect in California, And the validation notice as required by law. 

XXXX has failed to provide any of the above. 

In addition, I have sent five formal dispute letters to each of the three credit bureaus, requesting a reinvestigation under FCRA 15 U.S.C. 1681i. All three bureaus responded with generic letters referencing third-party verification, offering no documents or disclosure of the method used. Equifax has now labeled my dispute frivolous and refuses to investigate further, which directly violates FCRA 1681i ( a ) ( 3 ). 

I am requesting the CFPB to step in and enforce compliance by : 1. Requiring the credit bureaus to provide me with documentation showing how they verified the debt. 
2. Requiring XXXX XXXX XXXX to fully validate the debt or cease all collection and credit reporting activity. 
3. Removing the account from all credit reports if validation is not provided. 

Failure to resolve this issue will result in civil litigation against all parties involved for willful noncompliance, statutory damages, and harm caused to my 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 2025-05-10 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: CA

Complaint narrative:
Credit reporting Incorrect information on your report Who is the company youre complaining about? 
Select all three : Equifax XXXX XXXX And also : XXXX XXXX XXXX XXXX ( XXXX XXXX ) I am submitting this complaint due to repeated and unresolved violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Equifax, XXXX XXXX, and XXXX XXXX XXXX XXXX ( XXXX XXXX  ). 

Since XX/XX/year>, I have formally disputed an alleged debt reported by XXXX XXXX XXXX. I submitted four written validation requests under FDCPA 15 U.S.C. 1692g, asking for : Proof of the original debt and itemization, A signed agreement, Full account history and dates, Authorization to collect in California, And the validation notice as required by law. 

XXXX has failed to provide any of the above. 

In addition, I have sent five formal dispute letters to each of the three credit bureaus, requesting a reinvestigation under FCRA 15 U.S.C. 1681i. All three bureaus responded with generic letters referencing third-party verification, offering no documents or disclosure of the method used. Equifax has now labeled my dispute frivolous and refuses to investigate further, which directly violates FCRA 1681i ( a ) ( 3 ). 

I am requesting the CFPB to step in and enforce compliance by : 1. Requiring the credit bureaus to provide me with documentation showing how they verified the debt.

2. Requiring XXXX XXXX XXXX to fully validate the debt or cease all collection and credit reporting activity. 
3. Removing the account from all credit reports if validation is not provided. 

Failure to resolve this issue will result in civil litigation against all parties involved for willful noncompliance, statutory damages, and harm caused to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: PR

Complaint narrative:
I am writing to formally dispute the continued reporting of the following account, which remains on my credit report despite your previous investigation : Creditor Name : XXXX XXXX Account Balance : {$3800.00} I respectfully request that you immediately reinvestigate this matter, as the information is inaccurate and is negatively affecting my credit profile.

Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 [ 15 U.S.C. 1681i ], I request that you provide me with the names and business addresses of each person or entity with whom you verified the accuracy of this information during your prior investigation. I intend to follow up directly with those parties.

If your reinvestigation does not result in a correction or removal of the disputed information, I request that my credit file be updated to reflect the dispute, as required under federal law.

Please send written confirmation once the reinvestigation is complete and include any documentation supporting your findings.

Thank you for your prompt attention to this matter.

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 2025-05-11 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: DC

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( 5 ), 1681s-2, 1681c ( c ), and 1681i ( a ) ( 1 ).

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report.

The item ( s ) I am disputing are inaccurate and do not reflect the true status of my credit history. I am requesting an immediate investigation into the following item ( s ) inaccurate item ( s ), the account number, the three names on the account Furthermore, under 15 U.S.C. 1681i ( 5 ), As such, I request that the erroneous information be removed from my report and that I receive confirmation in writing of the changes made.

I am also a victim of a data breach and identity theft, which has led to the appearance of fraudulent accounts and inquiries on my credit report. Under 15 U.S.C. 1681s-2, furnishers of information have a duty to provide accurate information and correct any inaccuracies.

Additionally, under FCRA Section 605 ( c ), no adverse information resulting from identity theft should be reported beyond the applicable time limit, and such entries must be suppressed once proven to be fraudulent.

Lastly, under FCRA Section 611 ( a ) ( 1 ), I am formally requesting a reinvestigation of the disputed items. I expect written confirmation of your receipt of this dispute, the results of your investigation, and a free copy of my credit report after the resolution, as required by law. 

Please remove There are XXXX names as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Heads up someone might go into this system and override the reports just like all the other ones they are hiring people to steal my information and switch files around Someone also sealing cases and coming up with accusation, they creating evidence and hacking all my accounts, and locking me out to receive information to give to someone else Ucc1207

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 2025-05-10 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: Central Portfolio Control Inc.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Chase Bank due to their mishandling of a fraudulent transaction case, denial of my appeal, and improper assessment of fees.

My debit card was stolen, and I reported the fraudulent charges to Chase promptly. At the time, I was told by a customer service representative that there was no need to file a police report because Chase would investigate and credit the unauthorized charges. The representative assured me that the matter was handled. Shortly afterward, the disputed funds were credited back to my account.

However, about a week later, I was shocked to find that Chase had reversed those creditsre-debiting my account and leaving me with a negative balance of approximately {$1900.00}. This unexpected action put me in financial hardship. I was informed by Chase that their investigation concluded that I had authorized the chargeswhich is completely false. I never gave my card, PIN, or any account information to anyone. These were unauthorized charges, and I had followed all procedures to report the theft in good faith.

When I requested to appeal their decision, I was told that no appeal process exists. This is unacceptable. I feel Chase has not given me a fair opportunity to contest their findings, despite my cooperation from the beginning.

Worse still, due to the sudden withdrawal of the credited funds, my account incurred multiple over-limit fees. Chases own policy states that no more than three over-limit fees may be charged per day, yet I was charged well over that. When I asked for an explanation, I was told the fees were valid because the transactions posted on different days, despite them all occurring on the same day. This appears to be a manipulation of posting practices to maximize fee revenue, which is both misleading and unethical.

What I am requesting : 1. A full reinstatement of the funds taken from my account due to unauthorized charges.

2. A refund of all over-limit or overdraft fees charged as a result of this situation.

3. An opportunity to formally appeal Chases fraud investigation decision.

4. A regulatory review of how Chase handles fraud claims and applies fee policies.

This experience has been incredibly frustrating, financially damaging, and has left me feeling unsupported as a consumer. I trusted Chase to protect my account and investigate fairlyand instead, I was left liable for charges I did not authorize and punished with excessive fees. 

I hope the CFPB can help hold Chase accountable and ensure no other customer is treated this way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission XXXX XXXX  affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Two years a go, I paid all ready to the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX {$800.00} on 2023, is still in collection and is affected my credit scores.! I need erase the soon is possible the big wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Did not respond after XXXX days like they said they were going to and I have it in writing from them. It has now been over the time. They said they will get back to me showing that I am in the right and I should get my money back, but they are still withholding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates disclosed my alleged debt to a third party ( my uncle ) without my consent, violating FDCPA 1692c ( b ). I submitted a dispute and cease and desist request, but they continued to pursue collection without validating the debt.

Eventually, the tradeline related to this firm was removed from my XXXX credit file only after I initiated legal action. This removal was not part of a formal resolution, but rather a quiet correction once legal risk was triggered. The damage was already done.

This behavior reflects willful or negligent furnishing and collection activity, and I am requesting CFPB review and oversight. 

Also, please note that there is a pending court case against me scheduled for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
In the PayPal app it says they will be holding my funds for 120 days and when I called them they told me not until XX/XX/year> so they are giving me problems already. They're 120 day is up on the XXXX of XXXX so long as they understand that and give me directions to transfer my money I think we're good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I am writing to formally dispute the reporting of student loan accounts associated with XXXX and Aidvantage on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 
It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am filing this complaint because XXXX XXXXXXXX XXXX is inaccurately and inconsistently reporting an account on my credit reports. The payment history is incomplete and misleading, with repeated negative marks that do not align with actual activity. Additionally, the account status is conflictingbeing reported as charged off, closed, and in collections simultaneously across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief