vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year> Affirm credit card company contacted me related to a credit card payments on two card one for XXXX account an the other one XXXX accounts. I received a text harassing message email stating the card was 120 days passed due and will be charged off may be sent to the collection agency. On the call the representative stated on XX/XX/year> If the payment is made no later than XX/XX/year> it will remove the credit card for a charge off status and bring it back to make payment arrangements. On a recorded call on XX/XX/year> the representative stated the payment to be paid of {$34.00} it was paid from my direct checking account on XX/XX/year> on the XXXX Account that Affirm reported it would be remove from charge off status. I received a text message from Affirm on XX/XX/year> stating I need to make a payment of XXXX cent on the XXXX account to remove it from charge off status. I disputed making a payment on my card that was not agreed to on the call on XX/XX/year> that was recorded by the representative of the amount of {$34.00} once received it removes the charges off status. On XX/XX/year>, I requested a supervisor on the call. I spoke with XXXX advise that on a recording call on XX/XX/year> payment amount and agreement was made and honored. XXXX stated he would escalate the dispute request to waive the XXXX percent and it was false fraudulent practices to sent emails and text message asking for additional payments after payment was agree on the call and record on the call. I never got another call after speaking with the Supervisor XXXX. I thought the action has been taking care of until XX/XX/year>, I received another email and a text message stated the XXXX account was going to be charged off for the payment of XXXX cent and {$34.00} being overdue for XXXX. On XX/XX/year> I spoke with a representative XXXX and his Supervisor XXXX about the account being charged off after payment had been received on XX/XX/year> for {$34.00} the XXXX cent was not discuss on the recorded call on XX/XX/year> Affirm call after the payment was made attempting to collect a debt of XXXX cent and stating the card was in charge off and to bring it out of charge I need to pay the XXXX cent today. I disputed the harassment action of Affirm repeated calls, text messages and harassment to collect a debt after payment had been received. I'm reporting Affirm for engaging in misleading practices. XXXX stated XXXX XXXX the call to some back office that does not have a name. Today XXXX stated she will send the information to the complaint department an it will take 14 calendar days to receive a response back. On XX/XX/year> Affirm still asked that I make a payment and stated on the call it went to a charge off status today. This is Credit Card Fraud with an attempt to collect a debt after receiving a payment on XX/XX/year> to keep the account out of charge of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
Hello- I have been making consistent payments on my student loans sinceXX/XX/XXXX almost all through auto-pay. Over the past 17 years, I have paid a total of approximately {$75000.00}, of which only {$15000.00} has been applied to the principal balance. The remaining {$59000.00} has gone almost entirely toward interest. 

Despite paying far more than the original loan amounts, my current balance is still {$48000.00}. This feels predatory and unfair, as my payments have not meaningfully reduced the principal and I am effectively trapped in a cycle where I am only servicing interest. 

Key details : - Loans originated around XX/XX/XXXX 
- Current loans are XXXX XXXX loans with variable interest rates of 10.5 % and 8.5 %. 
- I have made consistent on-time payments, most through auto-pay. 
- Total paid to date : {$75000.00} - Current balance remaining : {$48000.00} I have previously reached out to request a lower interest rate or refinance options, but was denied. 

The interest rates are extraordinarily high, and the repayment allocation means that nearly all of my payments have gone toward interest rather than principal. I believe this constitutes an abusive or predatory lending practice. 

I am requesting that Mohela review my account and provide : - A detailed explanation of how my payments have been applied since XX/XX/XXXX 
- Any available relief or options to address the disproportionate interest accrual ( such as recalculation, principal reduction, or refinancing options ). 
- Assurance that my payments are being applied fairly toward my balance moving forward. All I want to do is complete my payments at this point.

I have been diligent and responsible in paying for nearly two decades, but it feels impossible to escape this debt under the current terms. I am seeking fair treatment and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am disputing an inaccurate account appearing on my XXXX credit report. The account is listed as : Creditor : Credit Acceptance Corporation Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$17000.00} Status : Repossession / Charge-Off This reporting is inaccurate and incomplete because : The reported balance exceeds the high credit limit, which is mathematically inconsistent. 

Dates of first delinquency and delinquency reporting are not clearly documented, which may unlawfully extend the reporting period beyond FCRA limits. 

No documentation has been provided to validate the alleged debt, balance owed, or repossession process. 

Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I request full validation of this account, including the signed original contract, payment history, and repossession documents. If the creditor can not provide verifiable proof, this account must be deleted from my credit file. 

I am attaching a copy of my credit report, government ID, and 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 2025-09-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-21 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent 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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Summary : I am seeking assistance regarding a one-time late payment that Bank of America reported on my credit in XX/XX/year>. 

Details : I was traveling overseas ( XXXX ) from XX/XX/XXXX through XX/XX/year>, when I lost my phone, XXXX XXXX, and all debit/credit cards on XX/XX/year>. While attempting to make the payment online, I was logging in from a different IP address, and Bank of America required a one-time password ( OTP ) for verification. I could not access the OTP because I did not have my phone or SIM card, and I was unable to complete the payment until I returned to the United States and obtained a new phone and SIM card. 

Upon returning and restoring access, I immediately paid the outstanding balance. The account has remained current since my return and recently reflects a XXXX balance. 

This was an exceptional situation beyond my control. I have consistently maintained timely payments in the past, and this is the only late mark on my account. I requested a goodwill adjustment from Bank of America, but my request was declined. 
Impact : This isolated late payment has adversely affected my credit and has prevented me from refinancing my home mortgage.

Resolution Requested : I respectfully request that Bank of America remove this one-time late payment from my credit report, as it resulted from extraordinary circumstances and does not reflect my overall payme
nt history.

I am attaching supporting documentation, including my air travel ticket, a police report for the lost cards, and the goodwill adjustment request I submitted to Bank of America. I also spoke with multiple ( 34 ) customer service representatives regarding this issue, but was unable to obtain a resolution.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: KS

Complaint narrative:
I have had federal student loans. They were consolidated and paid on time through XXXX. Mohela is the company that started administrating the loans. Loans were paid off in full. They acknowledge that both in writing and on the call. Have letter. They refuse to update my credit reports to show that it is paid in full. It should show XXXX balance and closed. Contacted them by phone and in writing. Also contacted my congressman who contacted the various agencies including the department of education, and Mohela would not do anything. There has to be something that can be done to protect consumers against Mohela. This has been going on now since XX/XX/year>. I got XXXX and XXXX to close them on their own based on the information I submitted. XXXX  will not do it until they hear from Mohela. Many similar complaints about Mohela online.I don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-21 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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: VA

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX XXXX ) and the credit reporting bureaus Experian, TransUnion, and Equifax. The account Spring Oaks is reporting is inaccurate, unverifiable, and inconsistent, and each bureau is failing to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. 

Specific errors : Invalid/Contradictory dates on the tradeline ( e.g. Invalid date, Collection as of XX/XX/XXXX to XX/XX/XXXX, Terms : 1 Month, while showing On record until XX/XX/XXXX ). These entries are impossible or make no sense. 
Furnisher name mismatch : XXXX XXXX has told CFPB the debt was transferred to XXXX XXXX XXXX XXXX, XXXX, but the bureaus list XXXX XXXX XXXX XXXX. 
No account-level proof, such as original creditor documentation, signed contract or application, name/last-4/account number on the bill of sale or assignment record. 
Possible re-aging : The tradeline remains on record until XX/XX/XXXX without a credible Date of First Delinquency from the original creditor, which may breach FCRA XXXX ( a ) ( XXXX ). 

Data breach risk factor : TransUnion recently disclosed a breach ( XX/XX/XXXX ) where XXXX XXXX peoples sensitive information was compromised, including full Social Security numbers, dates of birth, personal support ticket data, and other contact info. 
Even though TransUnion claims core credit file info was not accessed, the breach shows how vulnerable consumer data is in their system. This significantly increases the risk that incorrect, outdated, mismatched, or fraudulent information could be used to harm meespecially when a furnisher ( XXXX XXXX ) has submitted unverifiable data. 

Because of these issues, the tradeline is not only inaccurate but also contributing to potential identity theft or wrongful 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 explanation
Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
This complaint is against XXXX XXXX XXXX XXXX XXXX ) and the credit reporting bureaus Experian, TransUnion, and Equifax. The account Spring Oaks is reporting is inaccurate, unverifiable, and inconsistent, and each bureau is failing to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy. 

Specific errors : Invalid/Contradictory dates on the tradeline ( e.g. Invalid date, Collection as of XX/XX/XXXX to XX/XX/XXXX, Terms : 1 Month, while showing On record until XX/XX/XXXX ). These entries are impossible or make no sense. 
Furnisher name mismatch : XXXX XXXX has told CFPB the debt was transferred to XXXX XXXX XXXX XXXX, XXXX, but the bureaus list XXXX XXXX XXXX XXXX. 
No account-level proof, such as original creditor documentation, signed contract or application, name/last-4/account number on the bill of sale or assignment record. 
Possible re-aging : The tradeline remains on record until XX/XX/XXXX without a credible Date of First Delinquency from the original creditor, which may breach FCRA XXXX ( a ) ( XXXX ). 

Data breach risk factor : TransUnion recently disclosed a breach ( XX/XX/XXXX ) where XXXX XXXX peoples sensitive information was compromised, including full Social Security numbers, dates of birth, personal support ticket data, and other contact info. 
Even though TransUnion claims core credit file info was not accessed, the breach shows how vulnerable consumer data is in their system. This significantly increases the risk that incorrect, outdated, mismatched, or fraudulent information could be used to harm meespecially when a furnisher ( XXXX XXXX ) has submitted unverifiable data. 

Because of these issues, the tradeline is not only inaccurate but also contributing to potential identity theft or wrongful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the Negative items & remove late payments reported & request an update of my account status to reflect a positive payment history. According to the Fair Credit Reporting Act ( 15 USC 1681a ), I have the right to dispute inaccurate information in my credit report. Additionally, under 15 USC 1666b regarding the timing of payments, it is clear that I have never made a late payment on my account. My records indicate that all payments have been made promptly and within the required timeframes. Furthermore, 15 USC 6802 emphasizes the importance of maintaining accurate records and protecting consumer information. The erroneous late payment notation not only misrepresents my creditworthiness but also violates these regulations. Given this context, I kindly request that you review my account history and correct any inaccuracies related to late payments. I appreciate your attention to this matter and look forward to your prompt response confirming the update of my account status. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief