vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: IL

Complaint narrative:
I submitted an application for income based repayment in XX/XX/year> for my

student loans to through the department of education website. MOHELA assigned me to the SAVE plan which it told me was illegal, and then put into forbearance. I submitted a second IBR application. It's been 60 days and MOHELA will not process it or tell me if I'm missing information. I hope to qualify for public service loan forgiveness soon. Delaying my participation in the Income Based Repayment program harms my credit and delays my ability to by a home. Please advise.

Company response to consumer: In progress
Consumer complaint received 2025-10-10 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: ID

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing this collection account due to inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

IC System is reporting this same XXXX  XXXX XXXX XXXX debt twice once as a {$0.00} balance ( closed ) and again as a new {$460.00} collection opened in XX/XX/year> and reported in XX/XX/year>. 

This constitutes duplicate reporting and illegal re-aging under FCRA 605 ( c ), which requires that the original delinquency date be retained for the 7-year reporting period. The debt can not be re-reported or made to appear new. 

This inaccurate reporting caused my credit score to drop and resulted in a loan denial from XXXX XXXX XXXX XXXX, causing direct financial harm. 

I request immediate correction or deletion of this account for failure to accurately report the original date of delinquency and for duplicate entry. Please reinvestigate and provide written verification of the original date of first delinquency from XXXX  XXXX XXXX XXXX. 

FCRA 605 ( c ) : Re-aging is prohibited the original delinquency date determines how long a debt can stay on your report.

FCRA 607 ( b ) : Credit bureaus must assure maximum possible accuracy of information reported.

FCRA 611 ( a ) : You have the right to dispute inaccurate or incomplete information, and the bureau must reinvestigate within 30 days.

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 2025-10-10 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: Viva Finance Inc.
State: FL

Complaint narrative:
CFPB Continuation Complaint XXXX XXXX XXXX This complaint is a continuation of CFPB Case # XXXX. Yes, this was a refinance loan. Viva Finance and XXXX XXXX  offered a new loan through my online account to pay off my prior Viva Finance loan, but the new loan carried a much higher APR ( 30.01 % ) compared to the first loan ( 18.49 % ) despite a perfect payment history. The companys prior response claimed that because I signed the e-contract, I agreed to the terms and that payment history isnt the only factor, but that is not a valid justification for such a dramatic rate increase. Under the Truth in Lending Act ( 15 U.S.C. 1638 ) and UDAAP standards ( 12 U.S.C. 5531 ), lenders must clearly disclose and justify substantial rate changes during refinancing. Their vague reference to an internal credit policy conceals the criteria used and effectively penalizes responsible repayment behavior. Additionally, Viva Finance contacted me by text message referencing my employer and pay date without my consent, which raises privacy and Telephone Consumer Protection Act ( TCPA ) concerns. My contract contains no SMS authorization language. I respectfully request that the CFPB reopen review of these issues and refer them to the FDIC ( Thread Banks regulator ) for investigation into possible violations of TILA, UDAAP, and TCPA communication rule

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
Summary :XX/XX/XXXXXXXX XXXX ) and its agencies are engaging in repetitive, improper debt collection by recycling the same invalid {$99.00} balance into collections, despite my prior dispute with XXXX XXXX XXXX XXXX ( Ref : XXXX ) in XXXX, after which collection ceased. In XX/XX/XXXX, the same balance was reassigned to Credence ( Ref : XXXX ). 
What happened : XX/XX/XXXX : Requested disconnection effective XX/XX/XXXX. 
XX/XX/XXXX : XXXX modem with XXXX XXXX label ; vacated apartment ( confirmed by email + flight ticket ). 
XX/XX/XXXX : XXXX confirms delivery of returned modem. 
XXXX XXXX : XXXX billed me incorrectly ; both bills marked change service requested. 
XXXX : Disputed with CBHV ( Ref : XXXX ) ; collection stopped. 
XX/XX/XXXX : Received new collection letter from Credence for the same {$99.00}.

Harm : I have been forced to repeatedly dispute the same invalid balance, causing unnecessary burden, wasted time, and risk of credit harm.

Requested Resolution : Require Optimum to permanently close the balance and stop any further referrals.

Require Credence to cease collection and close its file.

Ensure no negative credit reporting is made ; delete any if present.

Provide written confirmation that the matter is closed and will not reoccur. 
Attachments : XXXXXX/XX/XXXXXX/XX/XXXX ( change service requested ) XXXXXX/XX/XXXXXX/XX/XXXX ( change service requested ) XX/XX/XXXXReturn Label ( issued by Optimum ) XXXXXX/XX/XXXX Delivery Confirmation XX/XX/XXXX XXXX Outbound Flight Ticket XX/XX/XXXX XXXX Apartment Management Email XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BANK OF AMERICA 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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
equifax is not allwoing acces tomy entire report, blocking my revolving accounts and or installment accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding GM FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. GM FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. GM FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Westcreek Financial
State: FL

Complaint narrative:
I am writing to formally dispute two charge-off accounts appearing on my credit report. I recently obtained a copy of my XXXX  credit file ( File Number : XXXX ) and discovered inaccurate or unverifiable information that may not comply with the Fair Credit Reporting Act ( FCRA ). 

Please reinvestigate and verify the accuracy of the following accounts : XXXX Card Account Number ( last 4 ) : XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge-Off Balance : {$1700.00} Dispute Reason : I do not have records confirming the accuracy of this charge-off. I request verification of the original documentation, payment history, and proof of ownership. If you can not verify all details under Section 611 of the FCRA, please delete this account from my file. 
West Creek Financial / Koalafi Account Number ( last 4 ) : XXXX Date Opened : XX/XX/XXXX Status : Reported as Charge-Off Balance : {$830.00} Dispute Reason : This account may contain reporting errors, including incorrect balance and status. Please verify that the account was accurately charged off and that all information ( dates, payment history, and ownership ) are correct. If you are unable to fully verify, please remove this listing from my credit report. 

Per FCRA 611 ( a ), XXXX must complete a reinvestigation within 30 days and provide me with written confirmation of the results. If these items can not be verified, they must be deleted immediately. 

Please mail the results of your reinvestigation to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute several entries appearing on my credit report that I believe to be inaccurately reported, unverifiable, or in violation of the Fair Credit Reporting Act ( FCRA ). These accounts include inaccurate addresses, late-close accounts, and collection accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$13000.00} XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate or incomplete and to request a reinvestigation by the credit reporting agency. FCRA 607 ( b ) mandates that all information in consumer credit reports must be reported with the maximum possible accuracy, and 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly or negligently reporting inaccurate information.

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 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I am filing a complaint against Westlake Financial regarding the repossession of my vehicle and the company 's failure to provide a written agreement for reinstatement, despite internal documentation of the required payment.

1. Vehicle Repossession : My vehicle was repossessed on XX/XX/year>, after I missed 2 payments. 
2. Managerial Note and Agent Confirmation : During communications, a manager within Westlake Financial created an internal note approving a reinstatement payment of {$5300.00}. Subsequently, multiple agents I have spoken to have confirmed that they see this note in their system, validating the lower payment amount. On XX/XX/year> at XXXX an agent had confirmed that I could make a payment around XXXX. I just told him I wanted to have a confirmation letter specifying that I could get my car released after I make the payment and he told me I would have to wait the next day which was XX/XX/year>. I tried calling XX/XX/year> and they had told me another thing they said they can not write me a written agreement. I called again on XX/XX/year> at XXXX and an agent named XXXX XXXX confirmed with me that she saw that a manager had noted that I was approved for XXXX she tells me that I can not get a written agreement. I called again on XX/XX/year> At XXXX this other agent had also confirmed that he did see a note from the manager that said I was approved as well for XXXX. 
XXXX. Inconsistent Information and Denial of Written Agreement ( The Core Issue ) : Despite the clear internal note and confirmation from agents, I continue to receive inconsistent information from the company, with some representatives still quoting higher amounts. Because of this unreliability, and to prevent my car from being sold at auction, I requested a formal, written agreement confirming that the {$5300.00} payment will immediately secure the vehicle 's release. Westlake Financial agents have repeatedly denied my request for any written documentation, which prevents me from making the payment with confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 disputed several accounts on my Equifax credit report that I do not recognize. I included my identity theft report, government-issued ID, and proof of address as supporting documentation. Despite providing all the required evidence, Equifax has failed to properly investigate and remove the fraudulent accounts. These inaccurate items continue to appear on my report, causing ongoing harm and violating my rights under the FCRA. Equifaxs inaction demonstrates a lack of compliance with the laws reinvestigation and accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act

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 2025-10-10 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: NJ

Complaint narrative:
my consumer rights under the fcra are being violated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
RE : Request for Removal of Alleged Collection Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Account # : XXXX Date Opened : N/A Placed in collections on XXXX. XXXX XXXX  This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 regarding an alleged collection account reported under my name, XXXX XXXX XXXX Under 15 U.S. Code 1681i ( a ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, unverifiable, or misleading. You are required by law to conduct a reasonable investigation and remove or correct any item that is found to be inaccurate or can not be verified within 30 days of receipt of this letter

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Re : Request for Debt Validation I am writing to request validation of a debt that you claim I owe. I request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Detailed statements or documentation showing that I am responsible for this debt.

4. Proof of your legal authority to collect this debt.

Please provide this information in writing. Until I receive proper validation, I request that you cease all collection activities regarding this alleged debt.

I also request that you do not contact me by phone regarding this matter, except for written correspondence. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation