vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: NM

Complaint narrative:
XXXX old complaint number I am submitting this complaint regarding a student loan account reportedly opened in XX/XX/year>, which is currently being reported on my credit file by [ servicer name, e.g., Mohalla/XXXX  ] . I am requesting the following : A complete chain of custody for this loan, showing all transfers of ownership or servicing since origination. 

A copy of the promissory note or any agreement containing my signature and personal information to verify that I am responsible for this debt. 

Despite my requests, the servicer has not provided these documents. Without such documentation, I can not confirm that this is my debt. 

Additionally, I wish to raise the issue of the statute of limitations. I understand that for private student loans, the statute of limitations for collection may range from XXXX to XXXX years depending on the state, and once expired, lenders can not sue to collect the debt. For federal student loans, I am aware there is no statute of limitations on collections, but negative information should generally not remain on my credit report longer than XXXX years from the date of default. If this account is a private loan and the statute of limitations has expired, I request its removal from my credit report. 

This account is damaging my credit scores, and I respectfully request that the CFPB require the servicer and credit bureaus to provide verified documentation or remove the account if they can not do so. Under the Fair Credit Reporting Act, unverified or inaccurate information must be deleted from consumer reports. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wet ink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ XXXX ; Thomas v. TransUnion XXXX XXXX ). 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Springs oaks capital bought a debt from XXXX XXXX witch they have changed there name due to illegaly sharing my information under assorie to identify theft. Spring oaks capital is on my credit report and I dont know how they got any of my personal information. I did not give it to them. Now both companys are on my XXXX  and XXXX  report for the same thing this is a violation of the fair credit act of 1970 United States Code Title 15, Section 1681 and I do want to label this as identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wet ink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= XXXX XXXX XXXX XXXX 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
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 2025-06-30 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: OH

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.

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

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 non-monetary relief
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: OH

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.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CBC Companies, Inc.
State: AR

Complaint narrative:
A FRAUDULENT ACCOUNT WITH FIRST PROGRESS WAS OPENED ON MY NAME AND THE COMPANY AGRESS WITH ME THAT THIS FRAUDULENT ACCOUNT WAS OPENED AND HAVE A LETTER FROM THEM STATING THAT AND THESE CREDIT COMPANY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AR

Complaint narrative:
A FRAUDULENT ACCOUNT WITH FIRST PROGRESS WAS OPENED ON MY NAME AND THE COMPANY AGRESS WITH ME THAT THIS FRAUDULENT ACCOUNT WAS OPENED AND HAVE A LETTER FROM THEM STATING THAT AND THESE CREDIT COMPANY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
I am writing to dispute several accounts listed on my credit report that are the result of identity theft. I did not open these accounts, authorize them, or participate in any transactions related to them. This appears to be the result of my personal information being compromised in a data breach.

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am formally requesting that these fraudulent accounts be blocked and removed from my credit file immediately. 
The accounts in question are : XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX XXXX  XXXX XXXX Account ending in XXXX These accounts are all reporting as charged-off with significant past-due balances. I am not responsible for any of these debts. 
Enclosed are the following documents supporting my dispute : A copy of my government-issued ID A copy of my Identity Theft Report filed with the Federal Trade Comm

ission ( FTC ) Please block and remove these accounts from my credit report in compliance with FCRA Section 605B, which requires the credit bureau to block fraudulent information within four business days of receiving this request. Thank you for your immediate attention to this matter. Please send me written confirmation once these items have been removed from my file.

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 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: FL

Complaint narrative:
Complaint Against MOHELA Regarding Student Loan Mismanagement I am filing a formal complaint against MOHELA, my current student loan servicer, for mismanagement and potential misconduct in handling my federal student loan account.

While I have yet to make a payment on my student loans, I have serious concerns based on MOHELAs growing track record of : Lost or inaccurate borrower records, Mishandling of Public Service Loan Forgiveness ( PSLF ) tracking, Poor or delayed customer service responses, Failure to apply CARES Act protections and income-driven repayment updates accurately.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-06-29 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened.

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 2025-06-29 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: MS

Complaint narrative:
I am filing this complaint because Experian is reporting a charged-off account from XXXX XXXX XXXX XXXX XXXX XXXX of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The credit report shows the following : Original credit limit : {$25000.00} Reported charge-off balance : {$26000.00} Highest balance : {$26000.00} Account status : Charged off / past due as of XX/XX/2025 ( which is a future date and impossible ) This means the account is reported as over the limit by more than {$1000.00} at charge-off, which is inaccurate and misleading. No credit card should legally report a charge-off above its contractual limit unless there is documented proof of authorized over-limit transactions, which I never received. 

In addition, Experian responded to my dispute in under one hour, which is not enough time to : Contact the original creditor, Conduct a full reinvestigation, Verify the accuracy of the over-the-limit charge-off, or Provide the required method of verification.

This is a clear violation of the FCRA : 1681i ( a ) ( 1 ) ( A ) Reasonable reinvestigation of disputed information, 1681i ( a ) ( 5 ) Obligation to delete unverifiable or inaccurate information, 1681s-2 ( b ) Furnishers of information must also conduct reinvestigations.

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 2025-06-30 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: KS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: KS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: WI

Complaint narrative:
My credit score went down XXXX points due to late student loan payments which have been paid off in XXXX XXXX capacity in XXXX and it repeated on my credit in XXXX as well as XXXX that was settled paid the school closed XXXX months after that I'm still being accused of owing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I had a timeshare with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, their parent company, have confirmed that the timeshare is cancelled. Monterrey says they were hired to collect but they do not OWN the debt or account. SO THERE IS NOTHING FOR THEM TO COLLECT ON. The timeshare is NO LONGER coming for the money, and Monterrey has NO CLAIM to it. But they refuse to send the account back. to XXXXXXXX XXXX XXXX XXXX hoping in some desperate, pathetic, leechy collection company way they they are going to get a payment out of me. NEGATIVE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XX/XX/year> I filed a dispute about a fund I sent out for XXXX to the wrong individual and I was told by XXXX XXXX  that they could not help and then I contacted my bank and they stated they didnnot see any mistake BUT I have all the proof and submitted that I sent it to the wrong person so now I am wanting help and will not stop until I can get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00}

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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was charged off on the following date XX/XX/year> XXXX CHARGE OFF Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : ACCOUNT NUMBER XXXX FROM XXXXXXXX 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