vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: MD

Complaint narrative:
In XX/XX/year>, I sent a formal letter to the FERPA Office and the Department of Education and have not received a response from either. 

Category : Issue : Problem with a credit or consumer report or Dealing with your lender or servicer Sub-issue : Incorrect information on your report or Account servicing issues I am submitting a second formal complaint against MOHELA ( Missouri Higher Education Loan Authority ), my federal student loan servicer, due to serious issues with the servicing and reporting of my student loan accounts. 
MOHELA has failed to provide accurate loan information and has potentially mishandled borrower accounts in a manner consistent with ongoing class action litigation currently being pursued against the company. I have disputed the accuracy of my loan balance and servicing records and have requested verification and an audit, but MOHELA has not responded satisfactorily. 
Additionally, there are growing concerns of a potential data breach or security failure, involving high-profile individuals, that may have compromised borrower data. I have demanded information about whether my personal data was affected and what protections are in place.

I am requesting that CFPB investigate MOHELAs conduct regarding : Improper account handling Inaccurate reporting to credit bureaus Mishandling of IDR/PSLF eligibility Potential data privacy violations MOHELAs failure to respond within the 30-day FCRA dispute timeline and its opaque servicing practices are unacceptable. I request regulatory review and enforcement action where applicable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing to dispute an inaccurately reported late payment on my account. I have always maintained a consistent payment schedule and take my financial obligations very seriously. This error is damaging my credit and causing significant emotional stress. I request that this be investigated thoroughly and removed from my credit file.

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 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I never received any notice regarding.15 U.S. Code 1666b 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.If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I was scammed into doing a p2p ( person to person ) transaction from Navy Federal Credit union to purchase a vehicle from a car auction, the car hold amount of {$2000.00} and the remaining balance of {$3400.00} ( total of {$5400.00} ). Ive been in contact with the fraud department of Navy Federal since XX/XX/XXXX, submitted all proof requested including a police report and my claim is still being denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NM

Complaint narrative:
This late payment does not accurately reflect my payment behavior. I have maintained a spotless payment history and believe this is a clerical or reporting mistake. I kindly ask the CFPB to review this matter and assist in having the late mark removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposit a check for {$3200.00} on the XXXX of XXXX to cover bills, expenses Bank of America will NOT put the money in my account because they put a hold on it. 
They wont release the hold until the XXXX of XXXX. I cant get gas to go to work, buy groceries and all other XXXX  cards have been frozen. 
with : XXXX XXXX XXXX, banks can only hold mobile deposits under certain conditions. Since Ive never had a hold before, and the check was under {$5000.00}, this feels excessive and unfair. Id like to formally dispute this and request an immediate partial release.

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 2025-06-05 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 am extremely dissatisfied with the failure to comply with section FCRA XXXXB ( XXXX U.S.C. XXXX ), 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 disputed entries. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am submitting a formal complaint regarding an account being reported by XXXX XXXX XXXX on my Experian credit report. I have previously disputed this with Experian to no avail. The documentation provided by the furnisher is insufficient and does not include a signed agreement, detailed payment history, or proof of assignment. Additionally, the balance shown in their documents does not match what is being reported by Experian, which violates the FCRAs requirement for maximum accuracy. Both XXXX XXXX XXXX  have already removed this account due to the same unresolved issues. I am requesting that Experian delete this unverifiable and inaccurate tradeline from my credit report. Attached are the documents provided by MCS, which clearly fail to validate the 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am filing a dispute regarding inaccurate late payments reported on my mortgage account serviced by Mr. Cooper / Nationstar Mortgage, Account Number # XXXX, for the property at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. 

I own XXXX investment properties, XXXX at XXXX XXXX XXXX and the other at XXXX XXXX XXXX, both purchased on the same day. Since origination, there have been multiple servicing transfers, and these XXXX accounts have frequently been confused by the servicers, causing miscommunication and misapplication of payments. 

The credit bureaus are reporting late payments for XXXX and XX/XX/year> on this loan. However : I made double payments in XXXX to correct any missed balance. 
I was never properly notified about the XXXX late payment until it was too late to act. 
Multiple calls to Mr. Cooper representatives resulted in incorrect and conflicting information, often tied to the wrong address. 
As further evidence of error, my other mortgage for XXXX XXXX which is managed similarly has had XXXX late payments and is in perfect standing. This highlights that the issue is isolated to servicing confusion with this specific account and not a borrower pattern. 

I have attached the following supporting documentation : A consumer credit report dated XX/XX/year> A credit supplement dated XX/XX/year>, which conflicts with the above These records indicate the data may be inaccurate. I respectfully request a formal investigation and that the XXXX and XX/XX/year> late payments be removed from my credit report unless Mr. Cooper can provide definitive documentation showing the late payments are accurate and not a result of miscommunication or servicing error.

This issue is materially affecting my credit and mortgage financing eligibility, and Im seeking urgent resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax still will not reinstate my correct credit score and are keeping me from accessing lines of credit. I have talked with them in the phone multiple times to get this fixed and nothing happens. This is my second complaint on Equifax for not showing my proper credit score. I was denied lines of credit due to this and have been waiting for them to reinstate my correct credit score since XXXX. The company is refusing to reinstate my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I discovered an inaccurate charge-off entry on my credit report for the XXXX XXXX account. This account reflects a balance of {$2600.00} and is being reported as a charge-off, which I am formally disputing. I previously attempted to request a reinvestigation and verification of the account, including a breakdown of the balance, payment history, and original documentation supporting this charge-off status, but no proper response was provided. This reporting is materially misleading and is causing harm to my credit profile during a home buying process. The reporting company failed to comply with its obligations under the Fair Credit Reporting Act, including FCRA 1681i ( Reinvestigation of Disputed Information ) and 1681s-2 ( Responsibilities of Furnishers ). I am requesting a deletion of this account from my credit report due to failure to provide verified, accurate, and complete reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX my employers were notified about a wage garnishment. Upon inspection they are trying to collect an old debt that was already closed. I was not properly informed about this whole process until my employer had told me. Apparently they are still trying to collect debt from me that is very old. Past 7 years. 
The company is called XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I went through a debt consolidation program with freedom debt back in 2020. I completed the program, and they were able to knock off a lot of my debt however it is still showing up on my credit report. I would like for it to come off my credit report as soon as possible. I have attached all the paperwork that is needed to show proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute the accuracy of an item being reported on my Experian credit report. The account in question is listed as follows : Creditor XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$150000.00} Reason for Dispute : This account has already been disputed previously, but no corrections have been made. I believe the information being reported is inaccurate and/or can not be verified. The reported balance and status do not reflect the actual history or current standing of the account. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. 

I have previously disputed this account, but it still remains on my report without correction. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies must ensure that the information they report is accurate and verifiable. If this account can not be fully verified with proper documentation, it must be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I recently 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 insure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXX, account # 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently 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 insure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXX, account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Equifax is reporting inaccurate and unverifiable information for the XXXX XXXX account. The entry includes a charge-off with an incorrect balance that does not match the accounts history. The account was previously disputed but no verifiable documentation such as the original signed contract or payment ledger was provided. The reporting violates FCRA 1681i ( failure to conduct proper reinvestigation ) and 1681s-2 ( furnishing of inaccurate data ). This account is harming my creditworthiness and preventing mortgage approval. XXXX  has already deleted this same account after reinvestigation, confirming that the data could not be verified. Equifax is now required to follow suit under the same legal standards Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I am submitting this complaint because 1st Franklin Financial Corporation is reporting a second loan that I never authorized, signed for, or agreed to. They claim this was a renewal of a previous loan paid in full in XXXX. However : I did not apply for or sign any new agreement authorizing a renewed loan. 
The original loan was paid off as agreed, and no new disbursement was made. 
They are reporting a new tradeline with a separate account number and a balance that does not match the court judgment they reference. 
The duplicate tradeline is only appearing on XXXX  and XXXX, but not XXXX, showing clear inconsistency in their reporting practices. 

They are misrepresenting internal accounting actions as new consumer debt, which violates the Fair Credit Reporting Act ( FCRA ) and misleads creditors reviewing my credit profile. 

The company also claims a judgment exists, but the alleged balance is only {$170.00} inconsistent with a loan renewal of {$1500.00}. Their reporting practices are misleading and inaccurate, and they have failed to perform proper due diligence in verifying this information when I submitted disputes. 

This has harmed my ability to apply for credit and inaccurately reflects my financial obligations. I am demanding that the duplicate tradeline be deleted from all credit bureaus, and the original paid loan be properly reflected as closed and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I recently 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 insure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXX, account # 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 2025-06-05 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: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation