vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
Formal Dispute of Inaccurate Delinquency Reporting Federal Student Loan Account Dear MOHELA, I am writing to formally dispute the delinquent payment ( s ) reported by MOHELA to the consumer reporting agencies. The information reported is inaccurate and requires immediate correction under the Fair Credit Reporting Act ( FCRA ) and Higher Education Act guidelines.

At the time of the alleged delinquency, I was in an approved deferment/forbearance period. I did not receive any formal notice from MOHELA that my deferment had ended or that payments were due to resume. The only notice I received came after the derogatory mark appeared on my credit report, not through any direct communication from MOHELA.

This reflects a failure of proper notification and billing, consistent with the U.S. Department of Educations findings that MOHELA failed to send timely billing statements to approximately XXXX XXXX borrowerscausing more than XXXX borrowers to be wrongfully reported delinquent. 

Once I became aware of the issue, I immediately took corrective action and have since maintained consistent and timely payments, demonstrating my ongoing good-faith intent and financial responsibility in managing my student loan obligations. 

Additionally, it is important to note that MOHELA had outdated personal contact information on file, which contributed to the communication breakdown. My legal name was changed from XXXX XXXX XXXX to XXXX XXXX XXXX over XXXX years ago following my marriage. 

Because these facts clearly show that the reported delinquency resulted from administrative error and a lack of proper notice, it does not accurately reflect my payment behavior or intent. Therefore, I respectfully request that MOHELA : Conduct a thorough review of my account ; Verify my deferment/forbearance status during the reported delinquency period ; and Submit corrected information to all consumer reporting agencies to reflect the account as current and in good standing.

U.S. Department of Education press statements confirming MOHELAs billing failures Please conduct a full investigation in accordance with 15 U.S.C. 1681i ( FCRA Section 611 ) and provide written confirmation of your findings and corrective actions within 30 days.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I pulled my report and i notice several negative items that are reporting inaccurately without my knowledge. 



XXXX XXXX {$430.00} XXXX XXXX  {$1400.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$2600.00}

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 2025-10-09 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: FL

Complaint narrative:
I am writing to formally dispute the XXXX account XXXX that appears on my credit report. The information being reported is inaccurate and does not belong to me. I have never opened, authorized, or used any XXXX account or service. 

This reporting is incorrect and is causing harm to my credit profile. I request that the credit bureau conduct an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ) and remove this account from my credit file unless XXXX can provide verifiable documentation showing that I am responsible for the account. 

Please confirm in writing once this account has been deleted or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-09 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Date : XX/XX/XXXX To XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX, MN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Subject : Formal Dispute of Inaccurate Account Information Dear XXXX Dispute Department, I am formally disputing the accuracy of the information your company is reporting under my name regarding the following account : Source of Information : XXXX XXXX XXXXXXXX, XXXX. 
Reported For : Suspected Fraud Activity Date of Closure : XX/XX/XXXX Closure Status : Settled in Full This information is inaccurate, incomplete, and misleading and is therefore a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ]. I have never engaged in any fraudulent banking activity with XXXX XXXX XXXXXXXX or any other financial institution. This appears to be the result of identity theft and inaccurate reporting. 
Please conduct a complete reinvestigation of this entry. If XXXX XXXX XXXXXXXX can not provide verifiable documentation bearing my signature or valid proof that I was involved in any fraudulent activity, this item must be deleted immediately from my ChexSystems report pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

Additionally, under FCRA 605 ( a ), no obsolete or unverifiable information may be reported. Since the alleged account was closed in XXXX, please ensure this item is reviewed for compliance with retention and accuracy standards. 
I have included the following supporting documentation to assist in your reinvestigation : - Copy of my government-issued photo ID - Copy of my Social Security card - Copy of my recent utility bill showing my current address - Copy of my FTC Identity Theft Report Please provide me with written confirmation of your investigation results and any deletions or corrections made. If this item is verified, please provide the full documentation, contracts, and application details used to substantiate the alleged account.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-10-09 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: GA

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. 

XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XX/XX/year> 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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I trust all is fine. I am composing this letter concerning the accounts listed below. That is reflected on my credit report and is significantly impacting me. I am a victim of identity theft, and my information has been hacked, which accounts for the appearance of these accounts on my credit report. These accounts significantly impact me, as they do not belong to me, and I should not be held liable or accountable for those established without my consent. I am confident that you would not like to pay for anything with which you have no familiarity, have not engaged in business, nor received any service. I am in the process of acquiring a home in 2025 and anticipate a promotion at my profession, which necessitates a credit check. I am endeavoring to organize my life; being a victim is challenging. 

I kindly request your assistance in restoring my life by examining and eliminating these bogus accounts from my credit record. Thank you in advance.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I trust all is fine. I am composing this letter concerning the accounts listed below. That is reflected on my credit report and is significantly impacting me. I am a victim of identity theft, and my information has been hacked, which accounts for the appearance of these accounts on my credit report. These accounts significantly impact me, as they do not belong to me, and I should not be held liable or accountable for those established without my consent. I am confident that you would not like to pay for anything with which you have no familiarity, have not engaged in business, nor received any service. I am in the process of acquiring a home in 2025 and anticipate a promotion at my profession, which necessitates a credit check. I am endeavoring to organize my life; being a victim is challenging. 

I kindly request your assistance in restoring my life by examining and eliminating these bogus accounts from my credit record. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous of times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
I called Santander a little over a month ago and explained I needed a 2 month extension due to a family emergency. They told me at the time I was still 1 payment away from being able to qualify for any help and to call back after I made my next payment. I made that next payment now a week ago and today I called requesting the extension I was promised. Santander now refuses to process any sort of extension on my loan even though I am current and the car has XXXX in equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a credit card with Bank of America and Ive been making payments on time. The bank keep pulling my credit score and putting my account to negative saying Ive missed payment when in fact my account is in good standing and it shouldnt be reporting negative. This has a huge effect on my credit score and i want that to be taken off. I called the bank and they reported that its in good standing on their side and i asked for a payment history of me making payments on time and they didnt send it. I logged in on my app and i could only view the bank statement of the payment i make but its still showing late negative on my report.

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 2025-10-09 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX  - XX/XX/year> 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 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
This account was closed off by the company on XX/XX/year> but its still showing on my credit report which affects my score negatively. On XX/XX/XXXX i spoke to the bank that i had no knowledge of this account and we were able to come to a resolution to close it off which was done but its still showing on my report and i want it taken out because its affecting my credit score really bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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