vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
Hello, I'm hoping the CFPB can help me with a long-standing issue I am having with my student loan servicer, MOHELA. 

In XX/XX/year>, I refinanced my student loans with a private loan servicer, who paid off the entirety of my student loans with MOHELA, over {$34000.00}, ( the check was sent to MOHELA in XXXX ). For some reason, MOHELA will not recognize that the loans have been paid off and for the past 6 months, I have been calling, emailing and trying for a resolution. 

On XXXX XXXX, I emailed MOHELA the manifest ( attached ) which shows that the check was sent and MOHELA on XX/XX/XXXX and cashed on XX/XX/XXXX. I finally got a hold of someone a couple of days later and she confirmed the check was deposited and my loans were paid in full. She apologized and said there had been a glitch in the MOHELA system and that everything would be resolved in 10 business days, meaning the loan balances would zero out and a refund request would be sent to the Department of Treasury given I am owed money since my accounts remained on autopay. 

Sadly, we're now another 2.5 months down the line and MOHELA 's system does not recognize that my accounts are paid off and because I finally turned off auto pay in XXXX, MOHELA says I am now delinquent, which will no doubt affect my credit score.

This is causing extreme XXXX  and stress as is nearly impossible to get in touch with an actual person at MOHELA. I either wait on hold for hours or I am transferred to a " supervisor call back line. '' Every time I have been able to get in touch with a supervisor, they claim to investigate and expedite the case and that it would be sent to resolutions within 10 business days. I called back and spoke to someone again in XXXX and got the same answer. 

In the meantime, I am paying my loans and am in good standing with my new servicer. and continue to call and email MOHELA once a week to get this resolved to no avail. 

Any help you can provide would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-11-18 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: GA

Complaint narrative:
XXXXAccounts in Dispute  Charged OffXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute Statement:\n\nI am disputing the above account listed on my Equifax credit report. I believe this account has been inaccurately reported. I request a full investigation and correction or removal of this account from my credit report, as it is negatively affecting my creditworthiness.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: SC

Complaint narrative:
I am filing this complaint because a company called Unifin , Inc. recently began contacting me by phone and email about an alleged debt I have never seen before and was never notified about. I have not received any written notice, validation letter, or proof that this company legally owns or is authorized to collect on this alleged account. 

Unifin is a third-party debt collector that suddenly appeared without any prior communication or notice. They are aggressively contacting me and attempting to make me validate the debt over the phone or through email. This is a violation of my rights. 

I have not received : No initial 809 FDCPA-required 30-day written notice No itemized validation of the alleged debt No proof of ownership No bill of sale No chain of title No contract with my signature No proof that they are collecting in compliance with South Carolina state law Despite this, they continue to contact me attempting to get me to confirm information. 

FDCPA Violations : Unifin is violating multiple sections of the Fair Debt Collection Practices Act : 15 U.S.C. 1692g ( FDCPA 809 ) : They did not provide the required written validation notice within 5 days of first contact.

15 U.S.C. 1692e : They are using deceptive tactics, attempting to pressure me to validate or confirm the debt through phone/email without proof.

15 U.S.C. 1692f : Attempting to collect a debt without having documentation or the legal right to do so.

State Law Concerns : I live in South Carolina, which has a 3-year statute of limitations on consumer debt. This debt may be time-barred. Unifin has provided no documentation showing the age of the debt or whether they can legally collect.

Credit Reporting Concerns : At this time, the credit bureaus are not reporting any account from Unifin, which indicates they may not have the proper documentation required to furnish information to the bureaus. Yet they continue to contact me attempting to confirm personal information. 

I am concerned they may attempt to illegally report unverifiable or inaccurate data to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
Asked for my account to be corrected. XXXX taxes were paid and returned by tax collector stating the taxes were paid. Mortgage did not investigate even though they are required to pay my taxes by law since this is an fha loan. Escrow overage was refunded to me in XX/XX/XXXX as an overage check without explanation. Spring XXXX I was sued by law offices for unpaid XXXX taxes. Submitted letters to mortgage for explanation and nothing was investigated still. Instead they paid the XXXX from my nonexistent escrow in XX/XX/XXXX which in turn made my escrow negative. My mortgage went from {$1600.00} to {$2400.00}. I am being penalized for their negligence. I am financially struggling. I was refunded for the difference I have been putting into escrow this past year, I want my escrow corrected out of the negative, and my portage to go back to what it should be. I want reimbursed for damages. XXXX loancare continues to ignore the issue stating my taxes are settled, that is not 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This debt does not belong to me. It belongs to XXXX XXXX, a minor who was transported by me for medical treatment. I was not the parent, guardian, guarantor, or responsible party and never signed any billing or treatment documents.

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 2025-11-18 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:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : INQ : XXXX : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Please regard this as my official request to dispute the referenced accounts. They are not connected to me, and I did not authorize them. I kindly ask for their prompt deletion and a full review. Supporting evidence is provided.

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 2025-11-18 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: FL

Complaint narrative:
I am filing this formal complaint because Equifax has failed to complete my investigation within the required 30-day period, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ).

They have exceeded the legally permitted timeframe and have not provided any response, update, or resolution, which is a direct violation of federal law. 

Despite my dispute being properly submitted, Equifax continues to report two inaccurate and harmful accounts that do not belong to me and remain unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are continuing to damage my credit profile, financial stability, and overall consumer rights. 
Equifax 's failure to respond within the required timeframe is not only unlawful but demonstrates a reckless disregard for their obligations under the FCRA. 

I have fully cooperated, submitted all necessary documents, and waited beyond the statutory period. 
Equifax has failed in its duty to complete a reasonable investigation, provide results, or delete unverified data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccuracies and incomplete reporting on my credit report for the following accounts. These accounts are inaccurately reported, and I am requesting your immediate attention to rectify these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). The details of the accounts in dispute are as follows, separated by the respective credit bureaus : 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 non-monetary relief
Consumer complaint received 2025-11-18 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 disputing the following accounts as they are inaccurately reported. I request immediate investigation and correction of these entries. 

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

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 2025-11-18 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 deny any ties to these accounts, which must be removed within 15 days under USC 1681g.

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 2025-11-18 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXXXXXX 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 Equifax, XXXX, and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collection as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. This account has been fraudulently reinserted to my consumer credit report after having been deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 formally objecting to the referenced accounts, as they do not belong to me and were not authorized. I request their prompt removal and review. Relevant documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-18 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: IL

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
In XX/XX/XXXX, EdFinancial incorrectly reported my federal student loan as 120 days delinquent during a period when my account was in official forbearance with {$0.00} due ( XX/XX/XXXX XX/XX/XXXX ). 

From XX/XX/XXXX through XX/XX/XXXX, I repeatedly contacted EdFinancial requesting correction and written documentation of my forbearance. They consistently refused to provide the forbearance letter or written case numbers. 

In XX/XX/XXXX, EdFinancial admitted in writing that the delinquency was their error, but they still have not updated their furnisher reporting feed. 

As a result : XXXX  corrected the delinquency on XX/XX/XXXX XXXX corrected the delinquency on XX/XX/XXXX XXXX  continues to show the account as delinquent because EdFinancial has not updated its reporting feed I sent a full certified-mail evidence packet to XXXX  containing EdFinancials written admission of error, my repayment schedule showing {$0.00} due during the forbearance period, and both corrected dispute results. XXXX reinvestigation confirmed that EdFinancial is still supplying inaccurate data. 

EdFinancials ongoing refusal to update its furnisher data has caused continued credit harm and has forced me to file multiple disputes, CFPB complaints, and an Ombudsman case. 

I am requesting CFPB intervention because EdFinancial has admitted fault but refuses to fix its reporting or provide required documentation.

Company response to consumer: Closed with explanation