vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MN

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unlawful credit reporting by MOHELA related to multiple federal student loan accounts.

MOHELA has reported five separate student loan tradelines as XXXX  days late, XXXX days late, currently late, and missed payments to credit bureaus, with delinquency status changes reported around XX/XX/XXXX. This reporting has caused severe and unjustified damage to my credit score.

However, the attached MOHELA documents conclusively show that these loans were approved for In-School Deferment during the same period they were reported as delinquent, making this credit reporting factually incorrect.

I even called and they told me that they would correct this once they see that Im enrolled in school and they have not.

Documented Errors ( With Proof ) 1. Approved In-School Deferment Ignored MOHELA approval letters dated XX/XX/XXXX and XX/XX/XXXX confirm : In-School Deferment approved Deferment periods including : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While in an approved deferment, payments are not required, and loans can not be reported as delinquent.

2. Improper Delinquency Reporting During Deferment Despite these approvals, MOHELA reported : 90 Days Late 120+ Days Late Currently Late Multiple Missed Payments This directly contradicts federal student loan servicing requirements and MOHELAs own documentation.

3. Servicing and Processing Failures My MOHELA account inbox shows multiple documents submitted and received in XX/XX/XXXX, including deferment-related forms. 
MOHELA failed to properly apply or reflect the approved deferment status before furnishing credit information.

4. Systemic Misreporting Across Multiple Loans All loans were simultaneously marked delinquent despite : Different balances Different loan types Different repayment terms This pattern strongly indicates a systemic servicing or reporting failure, not borrower nonpayment.

Applicable Law and Violations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and federal student loan servicing rules : Credit information must be accurate and complete Furnishers must reasonably investigate disputes Loans in approved deferment can not be reported as past due MOHELAs reporting violates these obligations.

- This has lowered my credit score tremendously and has impacted my housing due to the false credit reporting which has caused me significant stress. 

Keep in mind that my name was legally changed from XXXX XXXX to XXXX XXXX in case there is some confusion when reading the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
Square permanently deactivated my account and has been holding my {$680.00} balance since XX/XX/year> without any payout, release date, or legal explanation. 

I have contacted Square support multiple times requesting : The release date of my funds The legal basis for holding my money Each time I was either refused a clear answer or the support chat was closed without resolution. No written explanation or payout timeline was ever provided.

This is well beyond the standard 3090 day holding period and appears to be an unlawful withholding of my money.

I am formally requesting the immediate release of my {$680.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I did 2 withdrawals from an ATM located at XXXX XXXX XXXX, XXXX, PA, inside XXXX, that was marked clearly marked No Surcharge, but when I checked my bank statement I was charged {$2.00} per transaction ( {$4.00} total ). I contacted my bank and they advised I was charged by PNC, PNC confirmed and said I was charged because I am not a PNC cardholder. I did not receive any notice I would be charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) issued an official correction on XX/XX/year> confirming I owe no XXXX XXXX arrears, the balance is {$0.00}, and the account was fully updated by the furnisher on XX/XX/year>. Despite this correction, TransUnion continues reporting outdated and inaccurate information. 

I disputed the account and requested a reinvestigation and a Method of Verification. TransUnion verified the account without updating it to match the furnishers corrected data and did not provide verification documentation. 

XXXX XXXX confirmed by phone on XX/XX/year> that their reporting is correct and the bureau should correct or delete the outdated entry. The inaccurate reporting continues to harm my credit. I am requesting the deletion of this inaccurate account.

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 2025-12-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
I have tried to close my account for years. I did have a balance but I wanted it closed so it could not be used. They told me over the phone it was closed but they lied and they just removed me as an authorized user. I paid the account off on XX/XX/year> and they still have not closed. I called XX/XX/year> and they told me it was closed and I asked for a letter to be sent but they both hung up on me. I sent an email on XX/XX/year> asking for the account to be closed and they responded and asked for a lot of personal info over my XXXX so I was hesitant. I finally sent an email on XX/XX/year>, to MilitaryStarXXXX and XXXX asking for it to be closed and a call from a manager but got no response. I called again on XX/XX/year>, amd was told they couldn't and to call back in 7 to 10 business days to see if they can close it then. I asked for the legal dept and initially they said no but since I pressed they gave me the number. I will try calling. I just want the account closed.

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 2025-12-09 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 follow-up complaint to report that my credit report continues to contain multiple inaccurate and unverifiable items in violation of the Fair Credit Reporting Act ( FCRA ) 605, 607, 609, 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ) 807, 808, and 809. My report still displays incorrect and unauthorized addresses, specifically XXXXXXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX LA XXXX, which I have never lived at or used. It also lists improper late payments and closed accounts with XXXX balances, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which are inaccurately reported. In addition, there are several charge-offs with incorrect or unverified balances such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported at {$150.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at {$400.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$16000.00} * *, none of which have been properly validated. My report also contains collection accounts that are either past the 7-year reporting limit or have not been verified, including XXXX XXXX XXXX XXXX ( {$3700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$640.00} XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX. Additionally, repossessions are reported with inaccurate balances, specifically XXXX XXXX listed at {$19000.00} and XXXX XXXX XXXXXXXX XXXX XXXX listed at {$9700.00} * *, which do not reflect accurate, verified information. My credit file also shows unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), none of which I authorized.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up complaint to report that my credit report continues to contain multiple inaccurate and unverifiable items in violation of the Fair Credit Reporting Act ( FCRA ) 605, 607, 609, 611, and 623, as well as the Fair Debt Collection Practices Act ( FDCPA ) 807, 808, and 809. My report still displays incorrect and unauthorized addresses, specifically XXXXXXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX LA XXXX, which I have never lived at or used. It also lists improper late payments and closed accounts with XXXX balances, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which are inaccurately reported. In addition, there are several charge-offs with incorrect or unverified balances such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported at {$150.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at {$400.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$16000.00} * *, none of which have been properly validated. My report also contains collection accounts that are either past the 7-year reporting limit or have not been verified, including XXXX XXXX XXXX XXXX ( {$3700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$1200.00} ), XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$640.00} XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX. Additionally, repossessions are reported with inaccurate balances, specifically XXXX XXXX listed at {$19000.00} and XXXX XXXX XXXXXXXX XXXX XXXX listed at {$9700.00} * *, which do not reflect accurate, verified information. My credit file also shows unauthorized hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), none of which I authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
OnXXXX The U.S Department of Education forgave my student loans with XXXX in its entirety under The Borrowers Defense Loan Discharge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
OnXXXX The U.S Department of Education forgave my student loans with XXXX in its entirety under The Borrowers Defense Loan Discharge.

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 2025-12-09 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

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 2025-12-08 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: MN

Complaint narrative:
3rd & finale dispute attempt creditor refuses to produce any or all documentation to prove the debt. I have disputed this item on three different occasions.

Reporting account after dispute 15 U.S.C. 1681i FAILURE TO REINVESTIGATE Relying on automated e-OSCAR responses Verifying without contract or note Not providing verification documents Failing to delete unverifiable info 15 U.S.C. 1681s-2 ( b ) DUTY TO INVESTIGATE AFTER A DISPUTE Verifying without supplying contract No signed application No promissory note No itemized charges Continuing to report after identity theft claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, XXXX, OK XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, XXXX this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OK XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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