vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
As of XX/XX/XXXX, I have reached 120 payments on my student loans consolidated in XXXX and now serviced by MOHELA. I have 115 qualifying payments and 5 that I need to buyback due to the save injunction in XXXX. 

I am being blocked from entering the 120 count forbearance and from applying for buyback because of an issue I've been told is a glitch with MOHELA providing payment information and FSA website. Neither party has been able to correct for months despite several calls and reconsideration requests. 

The 'glitch ' in XX/XX/XXXX after recertifying my eligible employer, 4 months were dropped from one of my 3 consolidated loans ( see photos ). The count went from XX/XX/XXXX to XX/XX/XXXX, completely missing XXXX XXXX XXXX and XXXX. I filed a reconsideration to get those months added back in ( as they were noted on my other 2 consolidated loans ), and by XXXX of XXXX, 10 years of payments vanished from this loan count. It now skips from XX/XX/XXXX to XX/XX/XXXX and only shows 10 eligible payments have been made. 110 months are missing.

An FSA agent filed some kind of urgent status on my reconsideration request. FSA said its both a glitch and a count reporting issue from MOHELA. MOHELA says its FSA glitch.

I dont know what else to do to get this rectified prior to being forced to make payments over the 120 required. Payment 121 is now due on XX/XX/XXXX after being notified by MOHLEA today that I was kicked off of the 120 month count forbearance. 


Photos below showing the same loan with the initial missing 4 months and 104 payments. Then showing 10 payments and 110 missing months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) XXXX regarding fraudulent and unauthorized accounts that remain on my credit reports despite my prior disputes. These accounts are the result of identity theft and do not belong to me. I have submitted disputes and provided the necessary information to the credit bureaus, yet they have failed to remove these items as required by law. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX clearly states that consumer reporting agencies must block identity theftrelated information from a consumers file within XXXX business days of receiving the proper documentation. The continued reporting of these fraudulent accounts is a direct violation of this requirement. Furthermore, these items have been reinserted on my report after previous disputes, without proper verification or notification, which is also a violation of FCRA provisions regarding reinsertion of information. 

The presence of these inaccurate accounts is causing me financial and personal harm. I am requesting that the CFPB take immediate action to ensure that the credit reporting agencies permanently remove the disputed fraudulent items from my credit reports, prevent unlawful reinsertion, and comply fully with their obligations under FCRA 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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) mandates that furnishers and credit reporting agencies must ensure the maximum possible accuracy of the information reported. Furthermore, 15 U.S.C. 1681i requires that disputed information must be promptly investigated and corrected or deleted if found to be inaccurate or unverifiable. The continued reporting of inaccurate data violates these provisions and causes harm by affecting my creditworthiness unfairly.

I demand that all inaccurate information be deleted from my credit report immediately. Failure to do so will force me to file a claim against you for violation of my rights under the FCRA. Be advised that statutory damages, actual damages, and attorneys fees may be sought for willful or negligent violations as provided under 15 U.S.C. 1681n and 1681o. Take this demand seriously and act without delay to correct your reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1 6 6 6 b a credotpr may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please have these late payment removed. account # XXXX date open XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
b'I have received bills from two electricity companies:XXXX XXXX for the amount of XXXX from XXXX Invoice XXXX XXXX XXXXThe service address of the bill was XXXX XXXX XXXX XXXX  Texas XXXX  and also \na bill from XXXX XXXX for the amount of XXXX from XXXX. The service address was XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. \nI have never stablished any business contracts with these two companies and I have never lived at the above addresses.\nI have filed a policed report with XXXX XXXX Sherif Department, I have also placed a freeze with the three major credit Bureaus ( XXXX XXXX XXXX XXXX XXXX) . \nI still have a low score on my credit report.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$32000.00} Date:XXXX 2 ) XXXX XXXX XXXX Amount : {$17000.00} Date:XXXX XXXX ) DEPT OF EDXXXX Amount : {$3500.00} Date:XXXX 4 ) DEPT OF ED/XXXX Amount : {$2100.00} Date:XXXX 5 ) XXXX  XXXX Amount : {$670.00} Date:07-06-2023 6 ) XXXX  XXXX Amount : {$110.00} Date:XXXX 7 ) XXXX  XXXX Amount : {$200.00} XXXX 8 ) XXXX XXXX XXXX Amount : {$160.00} Date:XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXXXXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) 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 2025-09-28 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:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$32000.00} Date:XXXX 2 ) XXXX XXXX XXXX Amount : {$17000.00} Date:XXXX XXXX ) DEPT OF EDXXXX Amount : {$3500.00} Date:XXXX 4 ) DEPT OF ED/XXXX Amount : {$2100.00} Date:XXXX 5 ) XXXX  XXXX Amount : {$670.00} Date:07-06-2023 6 ) XXXX  XXXX Amount : {$110.00} Date:XXXX 7 ) XXXX  XXXX Amount : {$200.00} XXXX 8 ) XXXX XXXX XXXX Amount : {$160.00} Date:XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXXXXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) 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 2025-09-28 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:
Experian TransUnion and equifax has failed to meet its obligation I need the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved they consumer financial protection bureau has recently filed a lawsuit against Experian alleging, systematic issues, such as failing to provide consumer provided evidence to furnish his excepting unreliable responses if feeling to adequately notify consumers of dispute outcomes these failures align with my experience we experience has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
Noticed I was getting emails from US bank and thought is a scam. Then received email today XX/XX/year> saying I changed my email to a XXXX XXXX address but I only have XXXX and 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 2025-09-28 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: UT

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, and they are negatively affecting my credit profile. 
The following inquiries are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two separate 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  These inquiries were not authorized by me, and under the Fair Credit Reporting Act ( FCRA ), I respectfully request that they be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, and they are negatively affecting my credit profile. 
The following inquiries are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two separate 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  These inquiries were not authorized by me, and under the Fair Credit Reporting Act ( FCRA ), I respectfully request that they be removed from my credit 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 explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Leif Technologies Inc.
State: LA

Complaint narrative:
I repeatedly asked XXXX University to cancel my XXXX  and withdraw me from this university. I never took a course. They strung me along and never allowed me to withdrawal from the course. Now, I am getting billing statements from Leif that I owe this money, when my ability to cancel the XXXX contract was contingent on XXXX University withdrawing me from the course.

Company response to consumer: In progress
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for to ensure accuracy. Here is the item I request you investigate : XXXX XXXX XXXX, account number # 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 2025-09-28 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: LA

Complaint narrative:
Im a victim of identity theft and submitted an FTC report, date breach report along with my State ID, bank statement and additional supporting documents The account is question is XXXX XXXX, in which after I disputed the account with Experian, the account was removed after Experian investigation.

One week after Experian removed the account, it has now reappeared and was reinserted 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
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am writing to formally dispute my tederal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties

Company response to consumer: Untimely response
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to XX/XX/XXXX on XX/XX/year>2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ), XX/XX/XXXX has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. DEPT OF EDUCATIONXXXX XXXX Late DatesXX/XX/XXXX 2025-XX/XX/XXXX 2025, DEPT OF EDXXXX XXXX XXXX Dates XX/XX/XXXX 2025XX/XX/XXXX 2025, DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXX 2025-XX/XX/XXXX2025 , DEPT OF EDUCATION/XX/XX/XXXXXXXX Late DatesXX/XX/XXXX 2025-XX/XX/XXXX 2025, DEPT OF EDUCATION/XX/XX/XXXXXXXXLate DatesXX/XX/XXXX 2025-XX/XX/XXXX2025, DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXX 2025-XX/XX/XXXX 2025 , DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXX 2025-XX/XX/XXXX 2025, DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXX2025-XX/XX/XXXX 2025, DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXXXX/XX/XXXX 2025-SXX/XX/XXXX2025 & DEPT OF EDUCATIONXXXX XXXX Late Dates XX/XX/XXXX 2025-XX/XX/XXXXXX/XX/XXXX2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IN

Complaint narrative:
In XX/XX/year>, I requested validation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that Equifax is reporting. I asked for proof that the debt is mine, including the original contract, billing records, account history, and the method of verification used. The collection agency never provided validation.

Despite this, Equifax continues to report the account as active and unpaid. I can not properly dispute it in Equifaxs dispute center the account does not appear in the dispute portal, and I can only access it by navigating through the sidebar under Collections. 

I previously filed CFPB complaints in XXXX ( e.g., XXXX ). Equifax closed the case by demanding that I mail in documents instead of processing the dispute electronically, which creates an unfair barrier because I do not have access to mail service. They have failed to complete a reinvestigation within 30 days as required by FCRA 611 ( a ) ( 1 ).

This account remains unverified and is causing direct harm, including denial of safe housing and other opportunities. I request immediate deletion of this account from my credit report in accordance with FCRA and FDCPA, and enforcement action for Equifaxs repeated failure to conduct a lawful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
After TransUnion told this agency that they had corrected my inaccurate XXXX XXXX XXXX account to properly show that it had been closed, in retaliation and in violation of federal law, TransUnion went back and re-opened the account - despite having clear documentary evidence provided to them and this agency showing that the XXXX XXXX XXXX account has been paid and satisfied in full and thereby CLOSED. Yet, TransUnion in a clear retaliatory and illegal fashion, went back into my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and RE-OPENED an account they know and have attested to this agency they know is in fact CLOSED. This unlawful conduct resulted in my credit score going down by XXXX points.

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