vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
What happened : I am a federal student loan borrower pursuing Public Service Loan Forgiveness ( PSLF ). In XX/XX/XXXX, I submitted an IDR recertification application, believing it would be valid under the Department of Educations extended deadline. I assumed the process was complete, especially after the Biden administration announced the extension. 

Despite this, I was placed into forbearance by MOHELA in XX/XX/XXXX because they " recently received [ my ] income-driven repayment application. '' After contacting them, I was told the issue had been resolved, since I didn't recently submit the IDR application and was apart of the extension from DOE and President Biden. On XX/XX/XXXX, I received confirmation that I had been placed back on an IDR plan, and my new payment schedule would start XX/XX/XXXX. Furthermore, I was notified on XX/XX/XXXX that my XXXX application had been cancelled, per my request. This was the intended outcome of my XXXX issue. I was all set for my repayment under IDR plan to restart on XX/XX/XXXX. 

Then, on XX/XX/XXXX, I was again notified that I was placed into forbearancethis time allegedly due to an IDR application or participation in the SAVE Plan. I am not enrolled in the SAVE Plan, nor did I submit an IDR application in the last 60 days. Additionally, my initial IDR application issue was already addressed months ago and wasn't submitted 60 days ago. 

MOHELA has told me it could take up to 120 days to correct this error. Meanwhile, I am unable to accrue PSLF credit for this period, despite doing everything correctly and timely on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} XXXX XXXX XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
XX/XX/year> these accounts are also way past the statue of reporting which is 7 years! 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * *, XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX * * * *, XXXX XXXX XXXX XX/XX/XXXX under account number XXXX * * * * * * * * * *, XXXX  XXXX on XX/XX/XXXX under account number XXXX * * * * * *, XXXX XXXX  on XX/XX/XXXX under account number XXXX * * * * * * * * * *, and collection accounts opened at XXXX XXXX on XX/XX/XXXX under account number XXXX * * *, XXXX on XX/XX/XXXX under account number XXXX * * * *, XXXX  XXXX on XX/XX/XXXX under account XXXX XXXX * * *, XXXX  on XX/XX/XXXX under account number XXXX *, XXXX XXXX  on XX/XX/XXXX under account number XXXX * * * * * * * * * *, and XXXX XXXX on XX/XX/XXXX under account number XXXX * * * * * * * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I was a victim of fraud someone stole my wallet and all of my important information my credit cards which he charged up, my drivers license and cash. 
He was given a date to show up in court for a trial the date of the trial he never showed up. I was contacted about the matter and I was heading to court to face this person. But he never showed up. Now he has a warrant for his arrest for failing to show up, and Im still running around trying to to clear the dept he left me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to dispute a fraudulent inquiry that was made on my credit report online and without my knowledge or consent. I did not authorize this in any way, and I had no involvement with whoever pulled my credit. 

This kind of unauthorized access is completely unacceptable. I dont take lightly to my personal information being misused, and I expect this to be handled immediately.

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 2025-05-29 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: FL

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRUIST FINANCIAL CORPORATION
State: ME

Complaint narrative:
In XX/XX/year>, we initiated the loan process for the sale of XXXX XXXX XXXX with XXXX XXXX. He confirmed that we could aim for a closing date of XX/XX/XXXX. XXXX expressed strong confidence that we would meet this deadline, which led us to sell our home at XXXX XXXX XXXX XXXX XX/XX/year>. However, we have yet to close on our new home. The closing attorney and realtor are equally astonished by the incompetence displayed throughout this transaction, as they have repeatedly requested the same documents. Currently, we find ourselves homeless, with a XXXX child, displaced XXXX XXXX, and XXXX dogs. The delays have become personal for my husband and me. We have no place to go, and as a XXXX individual, this situation has intensified my pain. Our frustration has reached a peak due to the prolonged nature of this process and we are faced with homelessness. It is imperative that we finalize the closing on our home tomorrow, for the well being of me and my family. We urgently need this closing to be completed without further delay.

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 monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AZ

Complaint narrative:
Re : Direct Express / fraud services department. 
case # XXXX On XXXX XXXX I discovered 2 unauthorized transactions in the amounts of {$64.00} and {$49.00} respectively for a total amount of unauthorized charges of XXXX According to the bankcard agreement I promptly reported such unauthorized charges and filed a charge dispute see above reference number. My account was closed, I destroyed my bank card, and a new account and card were issued. a provisional credit in the amount of {$110.00} was posted. bankcard investigators determined there were no unauthorized charges made. 
I contacted the bank card company to appeal and was informed there is no appeal process available which is in contravention of Federal law and regulations. In addition an electronic fund withdrawal that is unauthorized by the card holder renders the cardholder not liable or responsible under Feder Reserve Board regulation " E '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00}

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 2025-05-29 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: CA

Complaint narrative:
I am filing this complaint to formally document and escalate my long-standing identity theft case and the persistent negligence of the credit reporting agencies involved.

I have been a victim of identity theft for over a decadedating back to
2013

and have filed numerous disputes with the credit bureaus. Despite providing extensive documentation including police reports, FTC identity theft affidavits, and court documents showing my identity was stolen. the credit bureaus have repeatedly failed to take appropriate and lawful action. Recently, I filed an official complaint with the California Attorney Generals Office and will be retaining legal counsel. The credit bureaus have removed some fraudulent accounts only to reinsert them later, falsely claiming they have verified that I received serviceswhen I did not. This is demonstrably false and deeply damaging to my financial and personal wellbeing. One of the most egregious incidents involved my ex-husband fraudulently obtaining a vehicle in my name using completely falsified employment information. As soon as I became aware, I notified the lender and the credit bureaus. These facts are documented and were provided as part of my previous disputes. The continued mishandling of my identity theft case, reinsertion of disputed accounts, and lack of compliance with the Fair Credit Reporting Act ( FCRA ) are not only negligent but unlawful. I am no longer willing to tolerate this pattern of disregard.

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 2025-05-29 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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