vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: NC

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 2025-05-07 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I checked all three credit reporting agencies, Equifax, XXXX XXXX XXXX to see what is on the reports. While they all had the same information and accounts, all of the reporting is different as far as credit scores. I had a financial institution check my report to get these scores so I can dispute what was needed. I did dispute and Experian was the one that was better in disputing my information. Equifax said I had to use a certain browser ( that I don't use ) to open an account and dispute as needed. I should not have to work so hard and use a browser on my computer that I do not like to get this information. Equifax had the lowest scoring of all the XXXX. 
The lending institutions are told to use the " middle '' score to use for the XXXX and determine your eligibility. This makes no sense, why are they using the middle score, why are all the agencies different in their scoring? It is not fair to the consumer that these agencies use the different scoring when all the information is the same. There should only be XXXX agency reporting with no confusion and fairness to the consumer. Is it all about the money the agencies are making and not really helping and fairness to the consumer? And then we have to pay to get our scores, that should just be our right. 
I checked all reports on XX/XX/25 and the lender checked on XX/XX/25.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MA

Complaint narrative:
I am disputing the reporting and servicing of multiple federal student loans managed by MOHELA. My account ( s ) reflect an N/A status or are marked incorrectly, which has interfered with loan forgiveness eligibility, credit reporting, and accurate account servicing.

Despite reaching out to MOHELA multiple times, they have failed to correct the errors or provide a clear explanation. These inaccuracies are confusing and is harming my credit and eligibility for repayment, home equity and car loan.

I request that the Department of Education and CFPB review this matter and require MOHELA to correct the loan statuses immediately. I also request written confirmation that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account XXXX : XXXX ]. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name : XXXX XXXX XXXX  Amount charged : {$5700.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
Company Name : Mosaic XXXX Disputed Loan Account XXXX XXXX XXXXXXXX Secondary Account XXXX XXXX XXXX ( referenced for alternative payment request ) Consumer Complaint Narrative : I am submitting this complaint against Mosaic XXXX due to what I believe is unfair and insufficient disclosure surrounding a promotional financing offer that expired on XX/XX/year>2025. On or around that date, Mosaic charged {$3000.00} in interest to my account, stating the interest was retroactively applied because the loan had not been paid in full by the end of the promotional period. 

I dispute this charge for the following reasons : No Contract or Written Disclosure Provided : I was never issued a formal contract or documentation that outlined the terms of the promotional period, nor did I receive clear language indicating that failure to pay in full by a specific date would trigger retroactive interest charges. 

Lack of Clear Warnings : While I did receive generic text and email messages stating that the promotional period was ending, none of them explicitly informed me that the entire loan had to be paid by XX/XX/XXXX to avoid interest, or that there would be no grace period following that date. 

Post-Charge Confirmation of Policy : Only after the interest was applied did I contact Mosaic customer service, where I was informed that there was no grace period and interest had already started accruing. This information was never disclosed in advance. 

Payment Made Under Protest : To protect my credit, I paid the {$3000.00} interest charge on XX/XX/year>2025, but I did so under formal protest. I also requested that Mosaic consider applying this amount to the principal of my second active loan ( Account XXXX XXXX ) as a more reasonable resolution. Mosaic has so far declined this request. 

Company Response Avoids Core Disclosure Issue : In its final communication, Mosaic simply restated that reminders were sent, without addressing the lack of detailed disclosure regarding the consequences of not paying in full. This does not meet the standards of transparent lending practices. 

What I Seek : A formal review of Mosaic XXXX promotional loan disclosure practices. 

A refund or partial refund of the {$3000.00} interest charge, or at minimum, its application toward the principal of my other loan. 

Stronger regulatory oversight on how lenders communicate deferred interest and promotional loan terms to consumers. 

Documentation I Can Provide : Confirmation of payment made under protest. 

Email and text message communications from Mosaic. 

Mosaic 's official response to my inquiries. 

I am seeking CFPBs assistance in ensuring Mosaics practices align with consumer protection laws and to resolve this financial hardship caused by a lack of transparent and fair disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank is reporting a balance on my credit report although that account has been settled and paid. They are not only reporting an obscene amount that needs to be paid but they are reporting lates and have charged off the account. I have made online disputes and sent letters to the credit bureaus and still have not received any results. This account is past the statue in XXXX. This is also a violation of the FRCA to still be reporting on my credit file. This needs to be taken off my credit file as it is hurting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I was notified that {$120.00} were taken out of my account at XXXX XXXX. Immediately in 10 mins I contacted cash app support. 

I was denied and told transaction is completed and irreversible. Funds were sent from my account. Someone had my pin and my login info and linked my debit card and sent money. I was scammed. I have removed all cards, changed passwords, and also contacted my bank. 

My tag is $ XXXX, phone no XXXX. I want my {$120.00} refunded. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XX/XX/year> In accordance with the Fair Credit Reporting Act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - This account is not showing maximum possible accuracy according to 15 USC XXXXe ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC XXXXe ( b ) XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This account is not showing maximum possible accuracy according to 15 USC XXXXe ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC XXXXe ( b ) I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates according to 15 USC XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX  XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( XXXX ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC XXXX they are supposed to 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. 


Thank you for your time and attention! 

Sincerely, 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
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute of account # XXXX Account name : Credit coll on my credit report. Per the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681g, and 1681i, I am requesting validation and removal of this account due to clear inconsistencies with the information reported by TransUnion. 
Equifax report states : Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  However, TransUnion lists : Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXX And claims the account Meets FCRA requirements The differences between the bureaus raise reasonable doubt about the accuracy and verification of this account. These conflicting entries violate the FCRAs standard for maximum possible accuracy. 
I am demanding : Immediate deletion of this account from my Equifax report. 


Documentation of the investigation method and evidence used to verify this account. 


A corrected copy of my credit file. 


{$1000.00} in damages for the stress and financial harm caused by inaccurate reporting, under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I have had an IDR/IBR application XXXX since XX/XX/XXXX XXXX to MOHELA. I submitted another on the new form in early XXXX. I am demanding that these applications be processed and that my loans be placed on XXXX repayment immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries on my credit report. I did not apply for credit with the listed companies and believe these inquiries were made fraudulently or without my consent. 

Please remove the following inquiries from my file : - XXXX BANK XX/XX/year> - XXXX BANK XXXX XX/XX/year> - XXXX BANK XX/XX/year> - XXXX XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XXXX XXXXXX/XX/year> As a known victim of the Equifax data breach, I am concerned my personal information may have been misused. In accordance with the Fair Credit Reporting Act ( FCRA ), please investigate and delete these inquiries from my credit report. 
Attached you will find proof of my identity : - Copy of government-issued ID - Proof of residence ( utility bill or bank statement ) - Copy of Social Security card or verification document Please send confirmation once this dispute has been processed and resolved. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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