vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the denial of my student loan discharge and the continued mismanagement of my account by your contracted loan servicer, MOHELA.

I am a borrower residing in Michigan, and I submitted an application for Public Service Loan Forgiveness ( PSLF ) / Income-Driven Repayment ( IDR ) account adjustment-based forgiveness. Despite fulfilling the stated eligibility requirements, my application was denied or processed incorrectly, with no clear justification provided.

I have attempted to contact MOHELA to obtain clarity regarding my discharge eligibility, my payment count history, and any corrective action I can take. Unfortunately, the responses have been inconsistent, unhelpful, and in some cases, inaccurate. I have experienced : Incomplete or inaccurate payment counts Failure to apply credits from qualifying periods ( including periods of forbearance or deferment that should be counted under the IDR adjustment ) Lack of transparency around the denial decision Continued billing and interest accrual despite discharge expectation This has caused financial and emotional distress, especially as I relied on federal guidance that suggested I would be eligible for forgiveness under the one-time IDR account adjustment or PSLF program.

I am requesting : 1. Conduct a formal review of my loan discharge application and payment history ; 2. Require MOHELA to provide a corrected, detailed account statement ; 3. Ensure any qualifying payments under PSLF or IDR are counted appropriately ; 4. Provide a path toward corrective action if an error was made. 

Please confirm receipt of this complaint and advise on the next steps. I am prepared to provide supporting documentation and payment history, if needed. 

Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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: FL

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 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 2025-07-24 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: FL

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 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 non-monetary relief
Consumer complaint received 2025-07-24 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 recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability o obtain credit Please remove all fraudulent accounts thank you.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A XXXX XXXX account reporting on my TransUnion credit report under account number XXXX. The account is reporting as Charged off as bad debt with a balance of {$1700.00} and shows Dispute resolved reported by grantor yet it remains inaccurate, incomplete, and unverifiable. 

Despite previously initiating a dispute, TransUnion and the data furnisher failed to correct or delete the account. No payment history is displayed, and there is no record of dispute compliance codes such as XXXX, XXXX, or XXXX, as required by XXXX XXXX guidelines. 

These failures violate the Fair Credit Reporting Act ( FCRA ), including : 1681e ( b ) failure to ensure maximum possible accuracy 1681i ( a ) failure to properly investigate and correct disputed information I am requesting PERMANENT DELETION of this XXXX XXXX  account from my TransUnion credit file due to failure to meet XXXX XXXX and FCRA compliance standards.

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 2025-07-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for failing to respond to multiple disputes I submitted concerning three collection accounts currently being reported on my credit reports. Despite submitting disputes to the credit reporting agencies, I have not received any sufficient response or documentation from XXXX XXXX to validate the debts. 

Below are the details of the disputed accounts : 1. * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} - * * Date Opened * * XXXX XXXX XXXX XXXX XXXX Reported by * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- * * Status * * : Charge-Off / Collection 2. * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor * * : XXXXXXXX XXXX XXXX XXXX 
- * * Balance XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  Date Opened * * : XX/XX/year> - * * Reported by * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- * * Status * * : Charge-Off / Collection XXXX. * * Account # XXXX * * - * * Original Creditor * * : XXXX XXXX XXXX XXXX 
- * * Balance XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX  Date Opened * * : XX/XX/scrub>XXXX XXXX XXXX XXXX Reported by * * : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status * * : Charge-Off / Collection I formally requested validation of these debts, and the reporting entity has not provided any evidence proving that I owe these amounts or that they are legally authorized to collect on them. This is a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. 

XXXX XXXX has continued reporting these accounts without responding or validating the debt as required.

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 2025-07-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX for failing to respond to multiple disputes I submitted concerning three collection accounts currently being reported on my credit reports. Despite submitting disputes to the credit reporting agencies, I have not received any sufficient response or documentation from XXXX XXXX to validate the debts. 

Below are the details of the disputed accounts : 1. * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} - * * Date Opened * * XXXX XXXX XXXX XXXX XXXX Reported by * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- * * Status * * : Charge-Off / Collection 2. * * Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor * * : XXXXXXXX XXXX XXXX XXXX 
- * * Balance XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  Date Opened * * : XX/XX/year> - * * Reported by * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- * * Status * * : Charge-Off / Collection XXXX. * * Account # XXXX * * - * * Original Creditor * * : XXXX XXXX XXXX XXXX 
- * * Balance XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX  Date Opened * * : XX/XX/scrub>XXXX XXXX XXXX XXXX Reported by * * : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status * * : Charge-Off / Collection I formally requested validation of these debts, and the reporting entity has not provided any evidence proving that I owe these amounts or that they are legally authorized to collect on them. This is a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. 

XXXX XXXX has continued reporting these accounts without responding or validating the debt as required.

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 2025-07-24 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: GA

Complaint narrative:
I am submitting this complaint to request the prompt removal and blocking of several unauthorized accounts that appear on my credit report. I did not open, authorize, or initiate these accounts and have no knowledge of their origin. Pursuant to XXXX XXXX, I am formally requesting their removal within XXXX days. I have included all relevant documents for your review. Additionally, the account information being reported is inconsistent and inaccurate across the 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 explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legal requirement of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial health and personal well-being. 

This situation is unacceptable and places an undue burden on me during an already challenging time.

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 2025-07-24 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legal requirement of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial health and personal well-being. 

This situation is unacceptable and places an undue burden on me during an already challenging time.

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 2025-07-24 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 am a victim of identity theft and have found unauthorized accounts and inquiries on my credit report. These items are not mine and should be removed. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent information. Attached are a list of the disputed items and my FTC Identity Theft Report. 

Please confirm in writing once the corrections are completed.

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 2025-07-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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

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

Company 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 2025-07-24 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 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 - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX for ( Account Name : XXXXXXXX XXXX XXXX  ) ( Account # XXXX ) [ Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " XXXX days past due '' delinquency. Experian is reporting " Paid account/was XXXX days past due '' with a " XXXX delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section XXXX, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of XXXX XXXX XXXX XXXX ( XXXX ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section XXXX ( a ) ( XXXX ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with XXXX XXXX XXXX XXXX, which mandates that periodic statements must be delivered at least XXXX days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within XXXX days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: LA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, Experian, and several debt collectors who have improperly used uncertified credit data to make determinations about my financial standing and creditworthiness. 

According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., all information reported must be accurate and verifiable. However, these agencies compile and report data that is not certified, not verified under oath, and has not been consented to by me in writing, violating XXXX XXXX. XXXX ( f ) and XXXX ( b ). 

Debt collectors involved have reported unverified and potentially fraudulent accounts, violating the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX by using deceptive practices to collect or influence credit scoring. 

I have not given any written authorization for these entities to share or report my personal information. I demand a full investigation into their practices, removal of any unverifiable or unauthorized information, and enforcement actions as needed. 

This complaint is also a formal request for reconsideration of all credit-based decisions made using this uncertified data, which fails to meet due process standards.

Company response to consumer: Closed with explanation