vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Closed Late Payment ( TransUnion ) XXXX XXXX XXXX - XXXX - Account Balance & Past Due : {$0.00} Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: MOHELA
State: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with my MOHELA-managed federal student loan account. I am deeply concerned about the total balance of my student loans, which has grown to an unmanageable and disproportionate amount compared to what I originally borrowed.

At the time I took out these loans, I was only XXXX XXXX XXXX and did not fully understand the long-term financial implications, especially the compounding interest structure. I now find myself in a situation where the principal and interest have ballooned significantly beyond what I was prepared for or able to comprehend at that young age.

I feel misled and taken advantage of, particularly by a system that allows such extreme growth of loan balances. I am asking the CFPB to investigate my case and help me understand : The accuracy of the current loan balance and interest accrual calculations ; Whether MOHELA has acted in accordance with federal loan servicing regulations ; If the practices applied to my account are ethical and transparent ; What options I may have for relief, adjustment, or discharge. I would appreciate any support your office can provide in researching this matter and helping me take appropriate steps to advocate for fair treatment.

Thank you for your time and attention to this matter. I am available to provide any documents, account numbers, or additional information needed to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet mismanaged my federal student loans for over a decade through forbearance steering and failure to inform me of income-driven repayment options. 

I have been a federal student loan borrower since XX/XX/year>. Nelnet has serviced my consolidated federal Direct Loans, which currently total over {$85000.00}. For over a decade, I have experienced inconsistent communication and repeated placement into long-term forbearance, often without fully informed consent or proper explanation of available income-driven repayment ( IDR ) options.

As a result, I now see from my own NSLDS file that I spent years in forbearance, accumulating interest and missing qualifying months toward IDR forgiveness. My loans were not delinquent, but Nelnet failed to explain that my income may have qualified me for {$0.00} or low monthly payments under IDR plans such as REPAYE or SAVE.

Instead, Nelnet repeatedly pushed forbearance as the default option, which delayed my path toward forgiveness and caused capitalized interest to significantly increase my loan balance.

I am currently in the SAVE plan, and I understand the U.S. Department of Education is conducting a one-time IDR account adjustment. I request that this complaint be used as formal evidence of servicer mismanagement, and that I be granted full retroactive IDR credit for all applicable months during which Nelnet placed me in forbearance rather than counseling me into a qualifying IDR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for a AMEX business platinum card with an offer of XXXX MR points after spending {$20000.00} in first 90 days. Subsequently, I received a referral promo for the same card with a better offer - XXXX MR points after spending {$20000.00} and {$500.00} statement credit if I made airline reservations worth {$3000.00}. ( Please see attachment ). I approached the company and a case was created. However, the case was closed without resolution after I followed up two times. I again called the company and was told the case is closed. They opened a new case. But, I haven't received the additional points or the statement credit although I have met the requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 


XXXX XXXX Acct Number : 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
Consumer complaint received 2025-06-01 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: SC

Complaint narrative:
I am a victim of XXXX XXXX  this is my second attempt of notifying the bureau

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 2025-06-01 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 recently looked at a copy of my credit report and noticed several inaccuracies on my account. I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation.

These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. [ XXXX XXXX  ] [ Account Number- XXXX ] [ XXXX  XXXX ] [ Account Number- XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Midwest Acceptance Corp.
State: FL

Complaint narrative:
b'company wont take vehicle back and wont close account'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I dont believe that theres been an actual investigation on my Equifax report for these accounts and they have failed to furnish and documents that proves they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to as certain the accuracy of my accounts. I would like to see any and all documents that was used in the previous investigation as well as the documents that are to have on file prior to the reporting of this account to ensure accuracy. I would like the report reflecting the changes requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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 submitted a formal written dispute to TransUnion on XX/XX/XXXX, regarding multiple accounts and inquiries that are inaccurately reported on my credit file. As of XX/XX/XXXX, I have not received any reinvestigation results, which is a clear violation of FCRA 611 ( a ) ( 1 ) ( A ). TransUnion only issued an interim response on XX/XX/XXXX, stating that the matter was under review. However, the FCRA requires a final reinvestigation response within 30 days and they are now past due. 

Additionally, the following items continue to report inaccurately and are harming my credit profile : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX * * * * XXXX Opened XX/XX/XXXX, settled for less than full balance, shows multiple delinquencies XXXX Reported XX/XX/XXXX, closed with {$0.00} balance I do not recognize these accounts as accurate, and they were disputed properly. No final response has been issued. 

Unauthorized Hard Inquiries Still Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized and were made without my consent. According to FCRA 604, credit reporting agencies may only allow access to a consumers credit file with a permissible purpose.

Laws Violated : FCRA 611 ( a ) ( 1 ) ( A ) : No investigation results within 30 days FCRA 623 : Continued reporting of inaccurate/incomplete information FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 604 : Unauthorized hard inquiries on 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 2025-06-01 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am disputing a collection account reported by Aldous and Associates for {$180.00} allegedly owed to XXXX XXXX. I never received a notice of debt, original signed agreement, or billing breakdown. I requested validation under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), and no proof has been provided. The account shows {$0.00} past due but is still marked as a collection, which is misleading and inaccurate. This violates FCRA 623 regarding maximum accuracy in reporting. I demand this account be deleted from all credit bureaus due to lack of legal validation and reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
Im writing to formally raise a serious concern about my student loan account with MOHELA.

Over the past several years, Ive called MOHELA multiple times to resolve what I thought would be a simple issue. Ive provided my Social Security number and other identifying information on every call, and each time Ive been told there is no record of me in their system. Yet I continue to receive communicationssometimes even billssuggesting I have an account with them.

I can not access any kind of online account. Theres no way for me to view, manage, or understand the status of my loans, and every time I reach out for answers, I get nowhere.

To make things even more absurd, Ive been transferred during these calls to completely unrelated businessesmost notably, I was once sent to a company that sells medical alert bracelets. When I called MOHELA back to ask why that happened, I was casually told, Yeah, that happens sometimes. That level of disorganization and indifference is unacceptable, especially from a servicer handling federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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 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 XXXX 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 2025-06-02 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
Have made payments to the company. They said that I didnt owe anything until 2025 the beginning of XXXX I tried to log into my account. Theyre saying that my account no longer exist, but I keep getting emails saying that I need to pay my loan back. The amount that Ive paid previously, even though I wasnt getting any interest has not made my loan go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/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 2025-06-01 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: TX

Complaint narrative:
I am the victim of identity theft. A XXXX XXXXXXXX credit card account ( ending in XXXX ) was fraudulently opened in my name in XX/XX/year>. I never authorized or applied for this account. I submitted a formal dispute to Experian, which included a valid police report, a copy of my government-issued ID, and my credit report highlighting the fraudulent entry. 

Under FCRA 1681c-2, Experian is legally required to block and permanently remove any account resulting from identity theft once a police report and supporting documents are provided. Experian initially complied and removed this account from my file.

However, the account has now been reinserted onto my credit report without notice or legal basis. This reinsertion is unlawful, harmful, and violates multiple provisions of the Fair Credit Reporting Act, Metro 2 Compliance Standards, and the Consumer Financial Protection Act ( CFPA ).

Violations Committed by Experian : FCRA 1681c-2 ( Blocking of Information Resulting from Identity Theft ) : A valid identity theft report was submitted. Experian had no legal basis to reinsert the account unless new documentary evidence was provided by the furnisher. None was provided to me, as required.

FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) : Experian failed to provide me with written notification within 5 business days of the reinsertion of the previously blocked item, as mandated.

FCRA 1681e ( b ) : The information reinserted was not accurate, as the account was previously deemed fraudulent and lacks any supporting evidence of my liability.

Metro 2 Compliance Violations : The reported balance ( {$7300.00} ) exceeds the credit limit ( {$7000.00} ) a clear violation of Metro 2 formatting standards.

Date of First Delinquency ( DOFD ) is not properly reported, obstructing statutory aging timelines under FCRA 623 ( a ) ( 5 ).

The account status and payment history fields conflict, with multiple 90+ day late notations after a charge-off, suggesting ongoing delinquency on a closed and charged-off account.

The Special Comment Codes and Compliance Condition Codes are either missing or contradict Metro 2 reporting standards.

CFPA 5536 ( a ) ( 1 ) ( A ) - ( B ) : Experians reinsertion without proper notice and validation constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ).

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized entry on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate. 

XXXX  XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief