vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
There are 2 big issues I have encountered with MOHELA in the past of late ( I had issues with late billing statements in XXXX previously ). 

The primary issue stems from MOHELA not processing my income driven repayment ( IDR ) recertification in a timely manner. I submitted my IDR recertification in XX/XX/XXXX. I understand there were instructions from Federal Student AID ( FSA ) to MOHELA to not process IDR recertifications earlier this year ( my understanding from MOHELA representatives ). However, they have now had months to process my IDR recertification that was submitted last XXXX ( and I believe MOHELA could have processed my PAYE IDR recertification in XXXX XXXX XXXX as well ). 

While waiting for MOHELA to process the IDR recertification, they have mismanaged my loan payments. I am in an administrative forbearance while waiting for MOHELA to process the IDR. Earlier this month, they withdrew a standard payment ( more than half my monthly income and 5x my previous monthly IDR ) from my bank account. When I called them the next day to report the inappropriate withdrawal, the MOHELA representative admitted their error, but said it would take 90 business days to issue a refund. Between monthly rent and grocery bills, this is far too much time ( it's going to be a difficult month ).

I have spent hours on the phone ( on hold for hours at a time ) and in portal communication trying to make sure my account is accurate -- trying to avoid situations like above. Most of the representatives try to be helpful, but I have encountered 2 that were rude and condescending. The most frustrating part of the whole experience is that it should take less than a minute to physically update my IDR monthly payment in the computer system with the recertification I submitted in XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A collection account from XXXX  reported by XXXX XXXX XXXX for {$130.00} was added to my TransUnion/Equifax credit report. This debt is inaccurate and should not be reported. I canceled the internet service because the equipment did not work, returned the equipment, and was never informed of any remaining balance. I had XXXX internet installed the very next day due to urgency. 

I was never able to get XXXX  service to function, and therefore should not be charged for it. 

XXXX  has already removed this account from my credit report after review, which supports that the debt was not properly verified or valid. 

Despite this, TransUnion/Equifax has refused to remove it. This is unfairly damaging my credit. I am requesting that this collection account be removed due to its inaccuracy and lack of proper documentation. 

I acted in good faith, and this item does not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NV

Complaint narrative:
Hi I recently purchased a patio set in XXXX in XXXX XXXX I did not receive the complaint purchase so I called XXXX that I didnt receive my order correctly and they told me they will be refunding me my full amount within 5 to 7 business days and then never happen so I dispute that amount with my bank and they wanted me to provide them with the information so I sent everything to them even the letter from XXXX where they will be refunding me within XXXX to XXXX business days and my bank kept telling me that I needed to give him more information so I sent letters and then letting them know the situation that XXXX XXXX me by saying that they will be refunding me my form amount because my purchase was incomplete by my bank decided that was not enough information and the lady that was working with me from my bank had had a friend working hours, so it was hard for me to communicate with her because I live in XXXX Nevada XXXX and she was in the other side of the map and my work does not allow me to answer phone calls in every time I would call the XXXX XXXX number they kept telling me to they were going to write it down note about this problem I was having but never nothing got resolved with that information. I provided them they wanted me to give him a price for the pieces that I was missing thats why I wan na know if somebody can help me with this now. I am stuck with pain for amount when I only receive one piece. 
Thank you 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 2025-07-08 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: CA

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
A collection account from XXXX  reported by XXXX XXXX XXXX for {$130.00} was added to my TransUnion/Equifax credit report. This debt is inaccurate and should not be reported. I canceled the internet service because the equipment did not work, returned the equipment, and was never informed of any remaining balance. I had XXXX internet installed the very next day due to urgency. 

I was never able to get XXXX  service to function, and therefore should not be charged for it. 

XXXX  has already removed this account from my credit report after review, which supports that the debt was not properly verified or valid. 

Despite this, TransUnion/Equifax has refused to remove it. This is unfairly damaging my credit. I am requesting that this collection account be removed due to its inaccuracy and lack of proper documentation. 

I acted in good faith, and this item does not belong 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received a paper billing statement from TD Bank for my credit card, which I normally do not receive by mail. This is how I first discovered that my credit card was missing and had been used without my knowledge. I did not use this card at all recently, and I did not authorize any of the listed transactions. 

As soon as I realized this, I immediately reported the charges as fraud to TD Bank and requested a card cancellation. However, TD Bank denied my fraud claim three separate times under case numbers XXXX, XXXX, and XXXX. 

The bank stated that the transactions " appear to be authorized because there was no aggressive usage or depletion of the account. '' This reasoning is completely unacceptable and irrelevant to whether the transactions were actually authorized by me. 

I did not make or authorize any of the transactions, which totaled {$1700.00}. Many of the charges were at local restaurants, spas, salons, and retail stores that I did not visit. The fact that I had not been using the card and was unaware of its loss further supports that these are fraudulent charges. 

I believe TD Bank failed to properly investigate my dispute and did not provide adequate consumer protection as required by law. I am requesting a full reversal of these unauthorized charges and an immediate resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: NC

Complaint narrative:
There was a order fraudulently placed on my account. I have submitted police report to ZIP and they refuse to remove the order from my account nor refund the money that was taken out of my account for the order. Their representative XXXX XXXX asked a very 'vague ' question such as whether or not I could confirm if an acquaintance has recently accessed my account which I told them No, I didn't authorize anyone to use my account. After that, XXXX replied with they determine the purchase to be authentic. I don't have an storage unit at extra space XXXX nor Do I know anyone with a storage unit there and still none of their representatives are trying to assist me after sending numerous of emails and submitting forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I got a call from a collection agency stating that i owe money on a XXXX  XXXX card i never opened, now I'm effected negatively because its located in my derogatory marks on my consumer 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 2025-07-08 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: GA

Complaint narrative:
I got a call from a collection agency stating that i owe money on a XXXX  XXXX card i never opened, now I'm effected negatively because its located in my derogatory marks on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I got a call from a collection agency stating that i owe money on a XXXX  XXXX card i never opened, now I'm effected negatively because its located in my derogatory marks on my consumer 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 2025-07-08 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: IL

Complaint narrative:
I noticed a few hard inquires on my credit report that I did not authorize nor have any knowledge of. The inquires are XXXX XXXX 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

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 2025-07-08 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: IL

Complaint narrative:
I noticed a few hard inquires on my credit report that I did not authorize nor have any knowledge of. The inquires are XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
My credit files have been repeatedly and improperly merged with my brothers across multiple credit reporting agencies, resulting in significant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Equifax is reporting my brothers phone number as my emergency contact and shows an account opened in XX/XX/XXXX, which is patently inaccurate and impossible, as I was born in XXXX. 

Experian also reports this same XXXX account, further evidencing a mixed file and serious negligence in maintaining accurate consumer data. 

TransUnion appears to be blocking online access to my file, likely due to conflicting or mixed identity data, preventing me from exercising my rights under the FCRA to review my own file. 


These inaccuracies constitute a direct violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of information. They have failed to ensure my credit report is exclusive to my own identity and free from my brothers data, despite this causing material harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A lot of my accounts was sold to a debt collector without my permission.Giving them my personal information even if they reported the account as charged off meaning they can no longer collect on that debt and XXXX XXXX XXXX XXXX refused to remove a lot of on accurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: ProCollect, Inc.
State: TX

Complaint narrative:
A lot of my accounts was sold to a debt collector without my permission.Giving them my personal information even if they reported the account as charged off meaning they can no longer collect on that debt and XXXX XXXX XXXX XXXX refused to remove a lot of on accurate information 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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I financed a car in XXXX through Santander Consumer USA and paid it off in full in XXXX. While managing my payments online, I occasionally submitted requests through their portal, including for receipts and account documentation. Toward the end of the loan, I noticed they were only reporting the account to XXXX out of XXXX credit bureaus. I requested that they also report to the missing bureau ( likely XXXX  ) and that my account reflect properly across all reporting agencies. 

Instead of correcting the issue, Santander deleted my entire tradeline after the loan was paid off. They also removed all access to my online account, including my payment history and internal communication logs. Its as if my account never existed, which is especially frustrating because I was with them for seven years. The only thing I was left with was the physical title of the car no record, no digital trail, nothing. 

This deleted account history severely damaged my credit profile. I lost seven years of positive credit history, which significantly reduced my credit age and score. Ive now been left in a position where my credit file looks like Im just starting out, even though Ive spent years building it responsibly. 

The dealership where I bought the car ( XXXX XXXX XXXX in XXXX, now closed ) had no issues. My frustration lies solely with Santanders reporting practices, lack of transparency, and deletion of a legitimate credit account that I paid in full. 

I believe this is a violation of the Fair Credit Reporting Act, and Im requesting that my account be fully reinstated across all three bureaus and that Santander be investigated for this misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation