vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Mohela is inaccurately reporting XXXX late payments on my student loans ( accounts starting XXXX ; open dates XXXX ) for XX/XX/XXXX and XX/XX/XXXX. I disputed with the bureaus and Mohela for XXXX months. XXXX does not report these negatives, but XXXX still does, showing inconsistency and inaccuracy. Mohela has not provided adequate verification or corrected the data. This violates FCRA 623 ( a ) ( 1 ) ( A ) and the duty to reasonably investigate FCRA 623 ( a ) ( 8 ). I request deletion of the inaccurate late marks from all CRAs, written confirmation of corrections, and Mohelas method of verification. The errors have caused score drops and financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-30 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 am writing to formally notify you that I am a victim of the data breach that has affected your systems. In accordance with 15 USC 1681c-2 ( a ), I am requesting that unauthorized accounts that were compromised or affected by this breach be immediately deleted from your records. 

XXXX XXXX XXXX XXXX {$0.00}

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 2025-09-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-30 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: AZ

Complaint narrative:
This is now my third time disputing these same accounts. 

In my previous dispute, I formally requested the method of verification and the names of everyone they contacted, as allowed under 15 U.S. Code 1681i ( 7 ) and I still havent received a response.

Under 15 U.S. Code 1681i ( a ), if an account can not be verified, it must be corrected or deleted. That has not happened. These accounts are still reporting inaccurately, and no real investigation seems to have taken place. 

This continued negligence is not only harming my credit but also causing emotional and financial stress. The credit bureaus and furnishers are clearly failing to follow proper FCRA procedures. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached letter for full documentation and timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Inaccurate/Outdated addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV, 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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have a loan with Shellpoint ( Newrez ). The loan originated with a different bank and the terms of the loan are payments are made every XXXX weeks ( XXXX per year ). I have had trouble with payments being applied correctly by Shellpoint. 
For example, on XX/XX/2025 I made the payment due XX/XX/2025. They initially make the payment, then within a few days, the account shows the payment as a " Principal Only '' payment and the XX/XX/XXXX payment is still due. I contact them and they fix it within a few days. A few days later it again reverts to " Principal Only '' and is showing the XX/XX/XXXX payment is due. 
This happens every XXXX weeks. 
Previously they would only process my payments once per month, accruing more interest charges.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX i received a call from XXXX that was Oliphant Financial , LLC attempting to collect a debt from XX/XX/XXXX on behalf of XXXX XXXX and XXXX. 

It has been over XXXX years ago since this debt originated and is barred from collection due to the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERIS BANCORP
State: GA

Complaint narrative:
On XXXX-2025 and XXXX2025 {$5000.00} was debited from my account. It was unauthorized. Ameris Bank would not reverse the debit total of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I filed a buyback request on XX/XX/year>. It has not been processed. I was advised to resubmit, I did so on XX/XX/year>. That has not been processed either. I filed a CFPB complaint in XXXX, the company has not responded. I do not know what other recourse I have, so, I'm filing another complaint.

Company response to consumer: In progress
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
XXXX of XXXX I had remodeling done in both bathrooms in my home ( one being a full remodel, the other a partial renovation ), a good portion of which I paid out of pocket for. XXXX XXXX was the construction company & GoodLeap LLC was financing company. The total amount of the loan was {$25000.00}. I never refused to pay the alleged debt but upon discovering through my contract law studies that my signature did in fact provide the actual value of the total amount financed ( {$25000.00} ), I eventually requested that the company validate the alleged debt. I attempted to do this in XXXX of XXXX, XX/XX/XXXX & again in XXXX of XXXX ( via affidavits & administrative process ) to which I never received any response ( with the exception of my initial request in XX/XX/XXXX to which they deemed my request frivolous & irrelevant. ) I know now that by law they are required to provide me with this information & by willful noncompliance they are in violation of numerous laws. I was very specific in my requests & demands. In addition I followed up with additional affidavits establishing myself as Power of Attorney as well as a Cease & Desist collections letter, again, to no avail. Not only have they been reporting me to the credit bureaus & continue their collection efforts to date, but unbeknownst to me, they filed a UCC1 lien against my property way back in XXXX of XXXX, immediately following the completion of the project. They still continue to report the account as delinquent although it was closed & charged off as of XX/XX/XXXX. This is extremely unfair & shows very poor faith business practices. I would like responses to my many requests from this company addressing my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

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 2025-09-30 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved

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 2025-09-30 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Im chatting with Rep on USAA website and they are telling me that they dont see my old or current from XXXX  XXXX.I switched my deposit XXXX months ago from XXXX XXXXWhen I look on my statement I see the XXXX  deposit so I dont understand how customer service cant see my deposit.I got transferred around XXXX  times to different reps. I feel like that they are incompetent. This is second time Im having issues with the customer service not providing accurate information.

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 2025-09-30 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:
I am submitting this additional statement regarding my complaint against Experian and XXXXXXXX XXXX XXXX 
Experian has stated that my disputed account with XXXXXXXX XXXX ( ending XXXX ) has been verified and will remain on my credit report. I strongly contest this outcome. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the legal right to a reasonable investigation and to receive the method of verification used. Experian has failed to provide : The name, address, and phone number of the party that verified the account. 
Any actual documentation from XXXX XXXX  supporting this reporting. 
A clear explanation of how their investigation was conducted. 
Simply relying on an automated e-Oscar response from XXXXXXXX XXXX does not satisfy the reasonable reinvestigation standard required by law. The continued reporting of an account without documentary proof is a direct violation of the FCRA. 
I am requesting that the CFPB : Compel Experian and XXXXXXXX XXXX to produce documentary evidence proving the validity of this account. 
If such proof can not be produced, require that this account be deleted immediately from my Experian credit file. 
Take notice that continued willful reporting of unverifiable information constitutes violations under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), entitling me to damages and attorneys fees. 
I respectfully request that the CFPB enforce my rights and hold Experian and XXXXXXXX XXXX  accountable.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Creditor : Aidvantage.studentaid.gov This loan is current as of today - {$600.00} was paid on XX/XX/XXXX - confirmation # XXXX. I have created account on their website and I have set up automatic payments.

I really need your help.

An attempt to purchase a first home was denied because this account was past due for 279 days.

I was never notified of a late payment. I was not aware of below activity : Loan went into forbearance : XX/XX/XXXX - XX/XX/XXXX Loan went into repayment : XX/XX/XXXX - XX/XX/XXXX Loan went into forbearance : XX/XX/XXXX - XXXX/XXXX/XXXX Loan went into forbearance : XX/XX/XXXX - XX/XX/XXXX Loan went into repayment : XX/XX/XXXX - XX/XX/XXXX Loan went into forbearance : XX/XX/XXXX - XX/XX/XXXX Loan went into repayment : XX/XX/XXXX - current date XX/XX/XXXX None of this activity was communicated to me.

Lender had two numbers of which it was confirmed that my correct number was listed as a work number and I was never reached.

Lender also confirmed that they had a secondary number listed as a work number XXXX for which I was not reached.

My desire to purchase my first home has me at a standstill over this. My credit bureau indicates I was in default of the loans. My credit score that I do my best to keep at its best has dropped.

I am requesting that you please review and consider removing the " past due '' indications affecting my credit report.

Company response to consumer: Closed with explanation