vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
" I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third-party debt collector to collect in my name. I am filing this report because these accounts were opened or transferred without my consent or authorization and are fraudulent in nature under FCRA 1681 and FDCPA 809. ''

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: WA

Complaint narrative:
I demand deletion of a fraudulent account falsely reported by XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This is a case of * * identity theft and document forgery * * : 1. * * I Never Opened This Account * * - No application was submitted by me. 
- The alleged " signature '' dated XXXX is * * forged * * ( attached : my real signature for comparison ). 

2. * * Violations : * * - * * FCRA 605B * * : Requires removal of accounts resulting from identity theft.

- * * FDCPA 809 ( 4 ) * * : Prohibits false credit reporting.

- * * 18 U.S. Code 1014 * * : Knowingly falsifying loan documents is a federal crime.

3. * * Evidence : * * - The " Covered Borrower '' form claims Im a military member/dependent ( false ). 
- Ive never resided at XXXX XXXX XXXX,. 

* * Required Actions : * * - * * Delete the account * * from all credit bureaus within 15 days. 
- * * Provide : * * - The original signed contract ( they cant produce it ). 
- IP logs/application records proving I applied. 
- * * Certify in writing * * this wont be resold to collectors.

* * Warning : * * Failure to resolve will result in : - FTC identity theft report ( already drafted ).

- Lawsuit under FCRA 616 (

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, XXXX XXXX, in his capacity as head of the Department of Government Efficiency ( DOGE ), instructed his team to access multiple internal systems within the U.S. Department of Education. Among the targeted systems was a financial aid database containing sensitive personal information of millions of individuals enrolled in the federal student aid program. This access was conducted without proper public disclosure or individual consent.

My personal information was included in the dataset that was accessed. The data potentially compromised includes, but may not be limited to, my name, Social Security number, contact details, student loan balances, financial aid records, and educational background. At no point was I informed of or did I consent to the release or review of this information by DOGE or any affiliated parties. The unauthorized access of this data represents a serious breach of privacy and raises significant concerns regarding data security, individual rights, and the proper oversight of federal information systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
-- - * * Subject : * * Urgent Loan Transfer & Payment Count Discrepancies Hello : I am writing to formally raise concerns regarding the mishandling of my federal student loans by the Missouri Higher Education Loan Authority ( MOHELA ). Specifically, I believe MOHELA failed to properly transfer my loans and neglected to count qualifying payments I made prior to the transfer.

Despite my consistent and documented payment history, I have noticed discrepancies in the number of payments credited toward loan forgiveness. Additionally, after MOHELA took over servicing my loans, several payments appear to have been either lost, miscounted, or entirely omitted. This has not only disrupted my progress toward forgiveness but has also created unnecessary financial and emotional strain. 

I respectfully request a full audit of my loan records, including : - Verification of the total number of qualifying payments prior to and after MOHELAs servicing began - Documentation related to the loan transfer process - A timeline of communications and payment processing activities I have retained copies of my payment history and communications and am prepared to submit any supporting documentation upon request. I believe MOHELAs handling of my loans may constitute a violation of federal servicing standards, and I am seeking immediate resolution to ensure my payments are properly credited and my eligibility for forgiveness is restored. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 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 have filed many disputes with all the credit reporting agencies about a secured credit card that was gotten in my name by an illegal immigrant who was attempting to steal my identity and create a better credit score then I had for myself. They have " investigated '' this issue and it always comes back verified. I have asked for the original paperwork and gotten nothing. I have asked them to remove this because even XXXX, who was the original grantor of this credit, says it is not mine.

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 2025-07-06 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:
XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Your Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX. Amount {$10000.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and co resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im disputing a 3059 day late payment reported on my auto loan for XXXX XXXX  This is inaccurate. I have attached proof from my XXXX credit monitoring account showing the payment was made on time and the account is current. Ive also contacted the lender. Please remove or correct the false derogatory mark from my TransUnion 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and detrimental credit reporting by EDFINANCIAL SERVICES LLC concerning my student loan accounts. This inaccurate reporting has resulted in a significant and unwarranted drop in my credit score by approximately XXXX points. 
My credit reports from XXXX XXXX XXXX XXXX, which I have attached for your review, show my student loan accounts with EDFINANCIAL SERVICES LLC as being severely delinquent. Specifically : XXXX : Reports the account status as " NOT_MORE_THAN_FOUR_PAYMENT_PAST_DUE. '' XXXX : Reports the accounts as " Open. {$14000.00} past due as of XX/XX/XXXX. '' TransUnion : Reports the accounts with a " Pay Status '' of " >Account 90 Days Past Due Dates<. '' All three bureaus indicate that my last payment was made on XX/XX/XXXX. 
This reporting is a direct consequence of the new student loan repayment regulation and the associated administrative forbearance or payment pause that was in effect. I believe that during this period, my accounts should not have been reported as delinquent, or at the very least, a clear explanation and resolution process should have been communicated and implemented by EDFINANCIAL SERVICES LLC to prevent negative credit impacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Global Lending Services LLC
State: MS

Complaint narrative:
Account Number : XXXX They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citibank account was frozen without any notice, warning, or explanation. I found out only when I tried to log in and access my funds and was locked out. My recent paycheck was deposited into this account, and now I can not access the money Ive earned. 

I called Citi customer service and visited a local branch, but no one could explain the reason for the freeze, and I was given no timeline or process for resolving it. I was told simply that nothing can be done. I have received no written notice, no investigation notice, and no reason for the account being frozen. 

I am experiencing serious financial hardship, including the threat of homelessness, and I urgently need access to my paycheck to survive. The way this is being handled is unacceptable and damaging to my well-being. 

I am requesting immediate release of my paycheck or a solution to access my funds. This situation is causing extreme distress, and Citi has provided no support, no answers, and no resolutio

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 2025-07-06 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: IL

Complaint narrative:
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 XXXXXXXX MY INFORMATION WAS USED TO TRY TO OBTAIN CREDIT THAT RESULTED INNEGATIVE REMARKS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian AND Transunion are illegally reporting Inaccurate and incomplete information on 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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Coinbase inc. : They are Charging me excessive fees. Freezing funds without warning or explanation. Treating my crypto currency transactions as fraudulent without any justification. Violating my rights to have access to my own money and crypto currency as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Dear CFPB, I am filing this complaint against Santander Consumer USA for knowingly reporting false information to credit bureaus and violating the Fair Credit Reporting Act. 
SUMMARY OF VIOLATIONS : Santander has reported contradictory and impossible information about my client 's account that their own documentation proves is false. 
DOCUMENTARY EVIDENCE : Santander 's XX/XX/year> email states the vehicle was " assigned for repossession '' Credit reports show the same account was " charged off '' on XX/XX/year> This timeline is impossible - companies can not assign repossessions and then charge off accounts 21 days later SPECIFIC FCRA VIOLATIONS : Section 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate Section 623 ( a ) ( 2 ) : Failing to correct inaccurate information after dispute Section 623 ( a ) ( 1 ) ( B ) : Failing to conduct reasonable investigation of disputed information HARM TO CONSUMER : This false reporting has : Damaged my client 's credit score Prevented qualification for credit Caused financial harm through higher interest rates Created emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : EXPERIAN XXXX XXXX XXXX XXXX XXXX CA, XXXX Subject : Formal Dispute of Charge-Off Request for Investigation and Deletion Under 15 U.S. Code 1681c ( c ) ( 2 ) Dear EXPERIAN I am writing to formally dispute the accuracy and continued reporting of a charge-off account that appears on my credit report. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Date of Last Activity or First Delinquency : XX/XX/XXXXXXXX  According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( c ) ( 2 ), any item of adverse information that has been resolved, paid, settled, or is beyond the seven-year reporting period must be deleted if a written request is made by the consumer. I am exercising that right under federal law.

15 U.S. Code 1681c ( c ) ( 2 ) states : A consumer reporting agency shall not furnish a consumer report that contains any item of information about a consumer after the expiration of the period described in subsection ( a ) [ typically 7 years ], except as authorized under subsection ( b ). 
I am formally requesting that you : Conduct a reinvestigation of this charge-off account as required by 15 U.S. Code 1681i ( a ).

Verify the accuracy, completeness, and legality of the reporting of this account. 
Delete the charge-off account if it is unverifiable, incomplete, or beyond the statutory reporting period. 
Send me written confirmation of your findings and the outcome of your investigation within 30 days as required by law. If this account can not be fully verified and updated in compliance with all federal regulations, it must be deleted from my credit report. 

This letter is sent in good faith in accordance with my rights under the Fair Credit Reporting Act. Please consider this my formal dispute and request for deletion under federal law. 

Sincerely, 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 2025-07-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
My vehicle was stolen and I have a police report. I havent seen the vehicle since it was stolen but I was reported as a repossession even after I filed a claim with XXXX  insurance that was never filed/ completed. Ive reached out since and left voicemail for adjuste and have not been contacted back. I cant secure financing without a co-signer as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
After I met my friend who is XXXX and we find a great opportunity for both to be a good friends and to work together in case we find some cheap properties in America and we can buy them. She said I have some money in my account that received from her tenants and her jobs ( renting houses, and selling Construction products ), and she transferred to my new account in M & T Bank XXXX XXXX I know my friend very well, she's a hard working woman, she was lawyer and she knows a lot about regulations and international laws. 
Since I received that money as Swift transfer, i received calls from M & T Bank for several times, asking about the origin, a some questions ( that I consider such a discrimination or anti freedom that we have in our blessed country XXXX ). They said, that they need to investigate more. i gave them all the required information, about me and who sent that money, i said the purpose is to may some debts and we can keep looking for properties. 
Unfortunately, the bank returned the money to XXXX after few weeks ( thinking as it is an illegal money even my all infos provided to them ) and they closed my account for no reason. I think, as a good US citizen who is legally hard working, thinking about investing with his friends, that i don't deserve all that discrimination and thinking but about me. It's because of my name, or because my friend is XXXX and everybody is bad in this countries???? I need your help please. I need you to do a big investigation. your have all the rights to ask everything about me and my friend, my door is open for you. This bank has disrespect me a lot. I feeling well. we waist time, money and my dignity. asking about justice and legal intervention. thank you a lot.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My identity was stolen, which caused the credit reporting company to list my account as delinquent. I reached out to them explaining the situation which they did not correct. I Never late before with XXXX XXXX. The dates are as followed : XX/XX/scrub>XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My identity was stolen, which caused the credit reporting company to list my account as delinquent. I reached out to them explaining the situation which they did not correct. I Never late before with XXXX XXXX. The dates are as followed : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
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 XXXXXXXX MY INFORMATION WAS USED TO TRY TO OBTAIN CREDIT THAT RESULTED INNEGATIVE REMARKS ON 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