vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
XX/XX/XXXX Subject : Urgent Help Needed Stalled IDR Application with MOHELA and Imminent Interest Accrual Dear CFPB, I urgently need assistance resolving a long-delayed Income-Driven Repayment ( IDR ) application with MOHELA I have been trying for almost a year. My loan balance is {$440000.00} at 6.38 % interest, and my 0 % interest administrative forbearance ends XX/XX/XXXX. Once it ends, interest will resume at approximately {$78.00} per day / {$2300.00} per month and if unpaid, it will capitalize, compounding my debt significantly. 

Despite submitting multiple applications and full documentation, MOHELA has failed to process my request to switch from SAVE to another IDR plan : XX/XX/XXXX First IDR change form submitted ( no action taken and I was told it expired ) XX/XX/XXXX Reapplied with manual tax return ; sat in review over 6 months XX/XX/XXXX Submitted new application, again with full return uploaded manually Discovered that IRS Data Retrieval Tool was blocked due to my Married Filing Separately status a restriction not disclosed, which unfairly delays processing of my application XX/XX/XXXX Told by MOHELA rep that my case was escalated to Resolutions Dept ; no follow-up, and multiple attempts to reach the Resolutions Dept ( Supervisors ) since have failed ( secure messages, lengthy hold times on calls, ultimately dead ends with no call backs ) I have already filed a complaint with FSA and the FSA Ombudsman due to my imminent deadline of XX/XX/XXXX. I do not want to remain in forbearance, nor should I be penalized with interest capitalization, being forced to pay large sums to avoid it, or loss of forgiveness progress due to servicer inaction. 

I respectfully request the CFPBs help to : 1. Ensure my IDR change application is processed before XX/XX/XXXX XXXX. Confirm I will not lose IDR forgiveness credit or face capitalization caused by this delay Thank you for your attention to this urgent matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/year>

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 2025-07-22 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Mosaic XXXX XXXX XXXX regarding a fraudulent solar loan agreement under my name. Despite no operational solar system and no Permission to Operate ( PTO ) granted by Florida XXXX XXXX XXXX ( XXXX ), Mosaic initiated financing, disbursed XXXX payments, and began billing me on a non-functional system. 

I have confirmed with XXXX that no PTO was issued for this address. A false XXXX document appears to have been fabricated or misrepresented to trigger loan disbursement. I never received the benefit of a working solar system, and the contract was entered into under false pretenses. 

Mosaic is currently in Chapter XXXX bankruptcy proceedings ( XXXX XXXX. XXXX in the XXXX XXXX XXXX Texas ) XXXX I am actively objecting to the sale or assumption of this contract as it is rooted in fraud. 

I am requesting that the CFPB investigate XXXX practices and take steps to protect affected consumers from continued harm and illegal debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am filing this new complaint because TransUnion has sent me multiple, conflicting letters in response to disputes I submitted regarding two separate companies : XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

I had previously demanded Method of Verification for both entries. Instead of investigating or responding in compliance with the FCRA, TransUnion : Sent three conflicting letters, including one that merged both companies ( XXXX & XXXX ) into the same letter despite being disputed separately. 
Claimed the debts were verified without providing any documentation or actual verification as required under 15 U.S. Code 1681i. 
Changed the listed name of XXXX on my credit report to Credit Buyer, which appears to be an attempt to mask the original furnishers identity. 

As for the furnishers : XXXX XXXX has repeatedly been found to be a debt collector in federal case law ( see XXXX v. XXXX XXXX  ), and they refused to provide validation or respond to disputes properly. I now have three TransUnion letters regarding this issue none addressed my specific demands for proof. 
XXXX XXXX XXXX also failed to provide any verification or respond through the CFPB portal, yet their tradeline remains on my credit report. This is a direct violation of FCRA 1681s-2 ( b ).

This conduct appears to show willful neglect of their duties to investigate disputes and provide transparent, accurate information. I request the CFPB : Investigate TransUnions failure to properly verify the disputes Remove the tradelines from both XXXX  and XXXX  due to lack of documentation Hold TransUnion, XXXX XXXX, and XXXX accountable for repeated violations These violations have directly impacted my credit score, caused financial harm, and continue despite clear patterns of illegal behavior already documented in federal court cases.

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 2025-07-22 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: CA

Complaint narrative:
I am writing to dispute the unauthorized reinsertion of a previously deleted account on my XXXX  credit report. The account in question is reported under the name XXXX, Account 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 2025-07-22 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:
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 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute certain information contained in my credit report, as provided by your agency. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a thorough investigation of the accounts listed on my credit report and remove any information that can not be verified.

Under the FCRA, you are required to investigate and delete any information that can not be verified as accurate within 30 days of receiving this dispute. If an item is found to be unverifiable, incomplete, or inaccurate, you must promptly delete or correct it. Please ensure that all unverifiable accounts are removed from my credit report in compliance with federal law. 

Enclosed are copies of my government-issued identification, Social Security card , and a recent utility bill as proof of my identity and address. 

Please send me written confirmation of your investigation and any actions taken as a result. I expect your response within the timeframe prescribed by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] * * Enclosures : * * - Copy of government-issued ID - Copy of Social Security card - Proof of address

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 2025-07-22 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: GA

Complaint narrative:
I am writing to formally dispute certain information contained in my credit report, as provided by your agency. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a thorough investigation of the accounts listed on my credit report and remove any information that can not be verified.

Under the FCRA, you are required to investigate and delete any information that can not be verified as accurate within 30 days of receiving this dispute. If an item is found to be unverifiable, incomplete, or inaccurate, you must promptly delete or correct it. Please ensure that all unverifiable accounts are removed from my credit report in compliance with federal law. 

Enclosed are copies of my government-issued identification, Social Security card , and a recent utility bill as proof of my identity and address. 

Please send me written confirmation of your investigation and any actions taken as a result. I expect your response within the timeframe prescribed by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] * * Enclosures : * * - Copy of government-issued ID - Copy of Social Security card - Proof of address

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AmeriCollect
State: MI

Complaint narrative:
I had a call from this number ( XXXX ( XXXX ) XXXX ) Claiming to be a company that I had applied to. I also get countless calls every day from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
My personal information was used to apply for several credit cards that I never applied for and I would like the credit inquiries to be removed from my credit report. I am sending a copy of a police report that indicates the inquiry places.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo closed my checking and savings accounts while i had open debit card dispute. 

XX/XX/XXXX i received a letter from Wells Fargo claim ID XXXX That caisher check will issue and that i has won my claim but dispute department are saying the letter was error

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 2025-07-23 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-22 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-22 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent two letter requesting debt agreemets for the tow account no response from them I have sent to credit bureau as well it comes back Debt verified which I dont know how was it verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-22 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:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies XXXX XXXX XXXX ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies XXXX XXXX XXXX ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief