vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
My student loan is serviced by MOHELA under the SAVE income-driven repayment plan. 

On XXXX XXXX my account showed a principal balance of {$350000.00} and unpaid interest of {$44000.00}. My loan was ( and remains ) enrolled in the SAVE plan, which guarantees a 0 % interest rate during periods of qualifying forbearance or deferment, and explicitly prevents interest accrual while enrolled. 

By XX/XX/year>, my balance had increased to {$390000.00}, with unpaid interest of XXXX XXXXXXXX an increase of approximately {$38000.00}. 

Since XXXX, I have called MOHELA multiple times seeking answers and resolution, but despite these repeated efforts, no correction has been made and no satisfactory explanation has been provided. This delay has caused both financial concern and significant frustration, especially since interest will begin to accrue starting XX/XX/year>. 

Timeline of Communications with MOHELA Regarding Error : XXXX XXXXXX/XX/year> Called MOHELA to inform them of the error. 
* XX/XX/year> Called MOHELA for an update ; they stated they were unable to provide a timeline for when the error would be corrected. 
* XX/XX/year> Sent a message to MOHELA and submitted feedback through Federal Student Aid. 
* XX/XX/year> Called MOHELA; was informed the issue would be expedited. 
* XX/XX/year> Sent an email to the MOHELA Student Advocate. 
* XX/XX/year> Called MOHELA ; was again told there is no timeline for when the correction will be made. Representative : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-25 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:
I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-07-25 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: NY

Complaint narrative:
I am submitting this letter as an official consumer complaint and legal request for immediate intervention regarding multiple fraudulent accounts and unauthorized credit inquiries that are currently damaging my credit report and financial standing. Ive attached a detailed dispute letter which has already been submitted to XXXX, citing multiple violations of the Fair Credit Reporting Act ( FCRA ), including : Accounts fraudulently opened in my name, without my consent or knowledge Credit inquiries made without permissible purpose or legal authorization Repeated violations of FCRA 1681c-2, 1681i, and 604 ( a ) ( 2 ) Lack of timely response and failure to block false data under FCRA 605B Let me be clearI am the victim of identity theft and deceptive business practices. I have not only disputed these items directly with the credit bureau but am now escalating this matter to the CFPB because my rights under federal law are being ignored, and my financial reputation is being put at risk. Here 's What I'm Requesting from the CFPB : Immediate investigation into XXXX XXXX handling of my dispute, including whether they are in compliance with the required timelines and procedures set forth under the FCRA. Assistance in enforcing removal of the fraudulent accounts and inquiries Ive clearly identified in the attached documentation. Confirmation that the CFPB has logged this complaint, initiated contact with XXXX, and is monitoring the resolution of this dispute in line with federal guidelines. The accounts and inquiries on my report were : Not authorized Not initiated by me And in some cases, opened due to misleading or deceptive advertising practices I have the right to accurate and fair reporting. I also have the right to be protected from abuse of my credit file. If a consumer reporting agency fails to take lawful action, it becomes your jurisdiction to step in and hold them accountable. I urge your office to review the attached dispute letter in full, investigate the issues raised, and hold XXXX  accountable if they fail to comply with their federal obligations. Im not asking for favorsIm demanding justice under the law. Please confirm receipt of this complaint and notify me of all updates regarding your investigation. I am prepared to provide further documentation as needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.

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 2025-07-25 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: DISCOVER BANK
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified multiple material inaccuracies and inconsistent reporting patterns that violate the Fair Credit Reporting Act ( FCRA ). Below are the discrepancies : Discrepancies and Issues : 1. Inaccurate Payment History Reporting - For XXXX, several months are marked Unknown instead of accurately reflecting payment data. 
- The XX/XX/XXXX payment is marked as current, while surrounding months are marked as late. This inconsistency suggests inaccurate and incomplete reporting.

2. Derogatory Status While Balance Is Still Climbing- The account is marked as Charge-off with a balance past due of {$5600.00}, exceeding the original credit limit.

- The charge-off date is listed as XX/XX/XXXX, yet derogatory marks appear consistently well before and after this time. It is unclear how a charge-off was declared while the balance continued to increase, implying account activity post-charge-off, which violates standard reporting protocols.

3. Using 112 % of Credit Limit - A charged-off account should not reflect ongoing utilization. Reporting 112 % utilization on a closed/charged-off account is misleading and negatively impacts my credit utilization ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I dispute responsibility for these accounts and request their removal from my credit history in compliance with USC 1681g within 15 days.

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 2025-07-25 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian : XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Due to XXXX XXXX Dear XXXX, I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/ or pieces of information on my credit report that are incorrect and were not authorized by me. I request the immediate removal or correction of the following accounts and/or information from my
credit report : 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 INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttached to this letter are relevant documents that support my claim, including evidence of my status as a victim of XXXX XXXX and any other pertinent documentation. 
As a victim of XXXX XXXX, it is essential to correct these inaccuracies to avoid further harm to

my credit and financial well-being. I kindly ask for your prompt attention to this matter and request that the disputed information be removed or corrected from my credit report as soon as possible. Please confirm receipt of this dispute and provide a written update on the outcome of your investigation. Should you need any additional information or documentation from me, please let me know. Thank you for your understanding and cooperation in resolving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-25 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 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 - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened 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 2025-07-25 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: CA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>2025, an individual received {$200.00} of my money through " Cash App ''! I informed " Cash App '' support, and I was told that there wasn't anything that they could do to retrieve my money from this unknown individual. I informed them that it was NOT me that performed this transaction, and I do not know how this could've happened. Still, they would not give me my money! I then contacted the North Carolina XXXX XXXX ' office seeking more assistance. I just received a response from the XXXX Attorney informing me that " Cash App '' suggested I go through their complaint process. I already went through their complaint process, which is why I contacted the XXXX Attorney in the first place. The individual that received my {$200.00} is named, XXXX XXXX, and she resides in XXXX, Ca. I reside in North Carolina, and I have no connection to this woman whatsoever! Any assistance regarding this matter would be greatly appreciated. I live on a fixed income, I'm XXXX old, and I simply want my {$200.00} returned to me, as this was not due to any fault of my own. 

Thanking You in Advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
On XX/XX/25 i was charged for these transactions that I did not make and have any knowledge of these transactionXXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX again for XXXX. XXXX XXXX for XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for XXXX. XXXX XXXX for XXXX. XXXXXXXX XXXX XXXX for XXXX. XXXX XXXX again for XXXXXXXX XXXX for XXXX. XXXX XXXX for XXXX. XXXX XXXX for XXXX. Must allof these transactions occurred in XXXX OH. I have not been to XXXX in over 4 years. They told me the card was fiscally used or swiped but that is also a lie. And on the same date XX/XX/25 there was a charge for XXXX to XXXX XXXX GA XXXX. And when I told them that there was no way that that was swiped because no one could drive to XXXX and back to XXXX  to do that in four hours.

They did refunded that one. I asked them to check the cameras where they say the card was used because there is no way that they would ever see me make them transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
To Whom It May Concern, I'm writing to let you know that Ive been a victim of identity theft. Several accounts have appeared on my TransUnion credit report that I did not open and did not authorize. These are fraudulent accounts, and I need them removed from my file right away. 

Under the Fair Credit Reporting Act ( specifically sections 605B and 609 ), youre required to block any fraudulent information within 4 business days once you receive a valid identity theft report, proof of identity, and a written statement from me.

Here are some of the accounts that do not belong to me : XXXX XXXX XXXX Acct ending in XXXX XXXX XXXX XXXX Acct ending in XXXX XXXX XXXX  Acct ending in XXXX XXXX XXXX XXXX XXXX  Acct ending in XXXX XXXX XXXX XXXX XXXX Acct ending in XXXX Enclosed youll find a copy of my FTC Identity Theft Report and a copy of my government-issued ID. Please confirm that these accounts have been blocked and are no longer on my file. Id appreciate your help in resolving this as soon as possible.

Sincerely, XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Identity Theft Request to Block Fraudulent Accounts Under FCRA 605B, 609 ( a ) ( 6 ), 609 ( e ) To Whom It May Concern, Im writing because I found several accounts on my Equifax credit report that were opened without my permission. Ive been the victim of identity theft, and I need these accounts blocked from my credit file.

Under the Fair Credit Reporting Act, youre required to block this type of information within 4 business days after receiving the proper documents. Im enclosing my FTC Identity Theft Report and a copy of my ID to prove my identity.

Some of the fraudulent accounts are : XXXX XXXX XXXX XXXX Acct ending in XXXX XXXX XXXX Acct ending in XXXX XXXX XXXX Acct ending in XXXX XXXX XXXX XXXX Acct ending in XXXXXXXX XXXX XXXX Acct ending in XXXX These accounts were not opened or used by me. Please remove them from my credit file and send me written confirmation once it's done. Thank you for your help.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am requesting a manual review of Capital Ones denial of my dispute for XXXX XXXX related to a recent XXXX transaction. Based on the speed of their decision, it appears the dispute was processed through automated logic without a thorough review of the supporting documentation I submitted.

Capital One denied my claim citing that I did not receive adequate support for a chargeback. However, I provided clear evidence demonstrating that the goods and services provided by XXXX were not delivered in satisfactory condition and were inconsistent with XXXX own stated policies. 

XXXX falsely claimed that the reservation was fulfilled appropriately and that no refund was due. This claim is demonstrably untrue, and a manual review of the correspondence, photographic evidence, and complaint timeline would show that I was not supported as a customer, and that the property was not as advertised or in acceptable condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief