vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My federally held student loans were recently transferred from MOHELA to XXXX without my knowledge or authorization. I did not receive any clear communication regarding this transfer, and as a result, payments were delayed and my credit was negatively affected. This has caused significant financial and emotional distress. 


You can see my loans in my bank screenshot are being taken from Mohela, yet when I log onto to Mohela to do the good due diligence to pay them it says I dont have an account making it IMPOSSIBLE to trace my steps and do the right thing. The app that Mohela has now no longer services student loans AGAIN making it an uphill battle to reasonably pay the loans. And in order to log in now I am told I have to sign a privacy statement which is the issue in the first place. 

Additionally, I am deeply concerned that this uncommunicated transfer may constitute a violation of the Family Educational Rights and Privacy Act ( FERPA ), as it involves the unauthorized movement and sharing of my personally identifiable educational records without my consent.

I request a full investigation into this matter, including how and why this transfer occurred, and whether my rights under FERPA and federal student loan servicing regulations were violated.

Due to the servicers mishandling and the harm caused, I am seeking : Full discharge of my loan balance & immediate cancellation and dissolve of loans in full.

Correction of any negative impact to my credit report A formal explanation and documentation of the transfer I am submitting this complaint in hopes of accountability, transparency, and a just resolution. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-23 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-06-23 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: NV

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-23 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: CA

Complaint narrative:
I deposited a check from my employer into an ATM machine at Bank of America on Saturday XX/XX/year>. The check was handwritten for the amount of {$610.00}. The ATM prompted a hold being placed on the check until XX/XX/year>. No funds were released to me at the time. On Tuesday XX/XX/XXXX, no funds were available. I checked my online banking, and the hold was extended to Saturday XX/XX/year>. I called on Wednesday the next day at XXXX XXXX  to find out why my funds weren't released. The service rep couldn't help me. They told me that the hold has been placed until XX/XX/year>. I asked to speak to the manager. The manager reviewed the check with a specialist and assured me the funds would be released on Saturday XX/XX/XXXX by XXXX XXXX. No funds were released on that day. On Saturday XX/XX/year> around noon, I checked my online banking and noticed no funds were available. In addition, a hold was placed on Friday the previous day. I called BofA and asked to speak to a manager. XXXX told me that he was sorry for the false information which was given to me and the hold will continue to remain in effect. I mentioned that they are violating Reg CC regulations because my account is not new, it wasn't a large deposit or there's no suspected fraud. The manager told me that they have to do additional verification. The call lasted one hour and thirty minutes. No funds were released on that day.

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 2025-06-23 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 was recently trying to refinance my car because when I got the car I only ogt approved by a predatory company and when I pulled my credit report and saw that some of my accounts had invalid information and were causing some damage to my credit report. 
According to the 15 U.S.C 1681 law there should not be any damages on my report and is defamation of my character.

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 2025-06-23 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: KY

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing 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 2025-06-23 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'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-23 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-06-23 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:
On numerous times I've delivered a FTC identity theft affidavit, passport card and named the fraudulent account : XXXX XXXX XXXX, the account was removed and reinserted four ( 4 ) times in one month without proper notification. I the consumer noticed there was fraud and its now considered harassment. Under FCRA 605B the account shouldn't be reinserted once valid documentation and a passport card was provided and the account was again reinserted. This violation is now a monetary one that's value of : {$4000.00} for willful neglect and harassment via reinserting a fraudulent account after it's disputed and not abiding by the FCRA procedures. My identity theft documents aren't being honored and my credit is now being hindered due to the harassment being imposed

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On numerous times I've delivered a FTC identity theft affidavit, passport card and named the fraudulent account : XXXX XXXX XXXX, the account was removed and reinserted four ( 4 ) times in one month without proper notification. I the consumer noticed there was fraud and its now considered harassment. Under FCRA 605B the account shouldn't be reinserted once valid documentation and a passport card was provided and the account was again reinserted. This violation is now a monetary one that's value of : {$4000.00} for willful neglect and harassment via reinserting a fraudulent account after it's disputed and not abiding by the FCRA procedures. My identity theft documents aren't being honored and my credit is now being hindered due to the harassment being imposed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a personal credit card customer with Bank of America, and I currently have a credit ( negative ) balance on my account. I wanted to request a refund of that balancemy own fundspreferably by direct deposit or check. 

However, Bank of America does not provide any way to submit this request online. There is no option in the app or on the website, no secure message option, and no fax number. The only way to request a refund is by calling their customer service line. 

This means I must : -Navigate a XXXX  phone system designed to confuse and stall the user -Wait on hold for five minutes or more just to speak to someone -Go through a series of redundant identity verification steps just to request a refund of my own money This creates unnecessary friction and discourages customers from reclaiming overpaid funds. It feels like a deliberate strategy to retain customer money longer by making the process frustrating and opaque.

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 2025-06-23 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-23 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:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I requested documentation from Toyota regarding a fraudulent extension to a leased vehicle that extended through XX/XX/XXXX without my knowledge or consent. Below is the request to file a fraudulent report with Toyota along with a request for documentation to provide to the court. As of the filing of this complaint, I have not received any response from Toyota. Additionally, I also requested and received a copy of my vehicle registration information from the XXXX and this fraudulent lease and registration was for a XXXX  XXXX vehicle, the lease I had was for a XXXX vehicle ( photo attached ) Information sent to Toyota XXXX XXXX : On XX/XX/XXXX at XXXX, I spoke with a XXXX representative, representative number XXXX. At XXXX on my recorded line, the representative confirms that I did in fact return the vehicle ( VIN # XXXX ) on XX/XX/XXXX. At XXXX my recorded line, the representative stated that XXXX XXXX send me a letter, which I have not received. At XXXX on my recorded line, the representative stated that a fraud case would not be filed until this information was submitted. This is problematic since I am threatened with a license or registration suspension from the XXXX XXXX XXXX XXXX New York, New Jersey due to a parking ticket on a vehicle I no longer lease from XXXX and was returned at the end of the lease on XX/XX/XXXX. 

This is my official request for a fraud investigation of this situation. Below, please find the following documents attached to this email : XX/XX/XXXX : Odometer Reading Submission Form XXXX Certification of Driver License/Vehicle Registration Information Notice of Proposed License or Registration Suspension for XX/XX/XXXX Parking Ticket For the record, I would like a formal response to this request since I did not receive any correspondence following my call on XX/XX/XXXX. Let this email serve as my formal complaint and activation of my request for an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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