vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
In XX/XX/year>, I ended my lease at XXXX XXXX XXXX XXXX.before my lease ended due to serious, unresolved habitability issues. I provided written notice explaining why I was moving out early, which included repeated flooding, pest problems, and the management companys failure to address my maintenance requests. 

After move-out, the apartment complex reported that I owed approximately {$11000.00}. I dispute this balance because the amount is inaccurate and not supported by documentation. 

I requested an itemized breakdown and verification of the charges, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, the company has not provided the requested documentation or evidence validating the debt. 

By law, consumers have the right to dispute inaccurate information and request verification of debts. Since the company failed to respond to my dispute and continues reporting this alleged balance, the information on my credit report is inaccurate and harmful. 

I request that this account be fully investigated. If the company can not provide proper verification, it should be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Lease was paid in full by state farm insurance claim XXXX NISSAN-INFINITI LT  {$15000.00} XXXX Open on XXXX NISSAN-INFINITI LT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I had a student loan balance of {$1000.00}. On XX/XX/XXXX, under the XXXX administration, my loan was forgiven. See letter attached from Mohela who was the loan servicer at the time. 6 months later the loan servicer was changed to XXXX and on XX/XX/XXXX they received my loan from Mohela as still being owed. I sent a copy of the paid off letter to XXXX but they said there's nothing they can do. I called XXXX XXXX XXXX who confirmed I don't have a balance, however they instructed me to call Mohela and have them notify XXXX. I have tried for over XXXX hours to reach a human at Mohela loan servicing, but can't get anyone. I tried to log in on-line to speak with a rep but when I enter my SS # and account #, the system can't find me. XXXX reported this to the credit bureau earlier this year, so I sent the paid off loan letter to the XXXX credit bureaus who removed the negative credit. However, as of today the negative credit has been put back on my credit report, interest has been charged to this paid off loan, and I can't get anyone o help me because Mohela doesn't seem to have a customer support team. 
Mohela needs to supply XXXX with the pay off information in order for this nonsense to stop, but Mohela isn't cooperating.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a text from Halsted Financial requesting payment on a XXXX XXXX Bank credit card that I had in XXXX that has a XXXX balance and has been closed since XXXX. I spoke with Credit XXXX and that credit card that I applied for charged an annual fee that I was not aware of and they credited the charge back and closed the account at that time. I called XXXX XXXX when I received the text from Halsted Financial and they confirmed the account was paid and closed in XXXX and never sent to collections because it had a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance & Huffman, LLC Re : Disputed AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing regarding the above-referenced account that you are reporting to the credit bureaus. This debt is disputed and was never validated by your office. Yet, you have continued to furnish derogatory information to the credit bureaus, which constitutes multiple violations of federal and Texas law.

Violations : FDCPA 15 U.S.C. 1692g ( b ) : Once a consumer disputes a debt, you must cease collection activities ( including credit reporting ) until validation is provided. Reporting this account without first validating constitutes unlawful collection activity.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( b ) : Furnishers must not report inaccurate or unverified information. Since this debt has not been validated, your continued reporting violates these provisions. 

XXXX XXXX Standards : XXXX XXXX XXXX XXXX guidelines, disputed and unvalidated accounts must be suppressed until verified. Your current reporting fails to meet these standards. 

XXXX XXXX XXXX XXXX : Texas law requires that, upon receipt of a written dispute, a debt collector must provide written verification of the debt within 30 days or cease all collection and credit reporting. You have failed to do so. 

Texas DTPA Tex. Bus. & Com. Code 17.46 ( b ) : Continuing to report or attempt collection of an unverified debt is a false, misleading, and deceptive act.

Demands : Immediate deletion of this tradeline from all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX 

Written confirmation within 15 days that you have ceased reporting this account. 

If you believe this debt is valid, you must provide full validation including : Original signed contract or agreement with XXXX XXXX XXXX Complete account history showing charges, payments, and balance calculations Proof of assignment or purchase of the debt giving you legal standing to collect Failure to comply will leave me no choice but to file complaints with the CFPB, Texas Attorney General, and pursue legal remedies in Texas Justice Court for violations of the FDCPA, FCRA, Texas Finance Code, and DTPA. 

This is a final notice. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : DEPTEDNELNET # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
I applied to work with XXXX, and my background check was conducted by Checkr. By mistake, I entered the wrong Social Security Number ( SSN ). When I contacted Checkr, they told me that they can not make changes, and only XXXX can update the information. 

XXXX later sent me a XXXX link to update my SSN/TIN, but the link did not work and gave me an error message ( " Something went wrong. Try again later '' ). I immediately informed them and requested a new secure link, but I have not received any working solution yet. 

Because of this issue, my background check is stuck with the wrong SSN, and my account/application is at risk of suspension. Despite multiple attempts to fix this directly with the companies, they have not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The company did not do anything about my issues until the dates that I have called XXXX I started calling the company and then I never heard anything back from them when I asked him about the dealership, not sending my paperwork in. I still had to call them back again for the second time and it was over a month since I heard from them because I called them again And they say its 24 hours but it was a month But they had no palm calling me asking me to send a payment. My Social Security number is XXXX. My name XXXX XXXX my home address now is XXXX XXXX XXXX XXXX NY 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 2025-08-19 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
In XX/XX/year>, I was scammed out of {$800.00} ( {$400.00} sent via XXXXXXXX XXXX and {$400.00} via XXXX through Charles Schwab ) while attempting to purchase event tickets from a seller on XXXX posing as part of the XXXX XXXX XXXX. The scammer claimed to register tickets in my name and sent what appeared to be a fake confirmation email. After realizing the email domain was suspicious and did not belong to the actual ticketing company, I contacted the real ticket vendor who confirmed the email was not theirs. 

I immediately filed dispute with Charles Schwab for {$400.00}. Schwab denied the XXXXrelated dispute and claimed they could not escalate or assist further because XXXX is a third-party service, despite the fact that XXXX is integrated into their banking app and covered under Regulation E protections for unauthorized or fraudulent electronic fund transfers. I also filed reports with the FTC and IC3 ( FBI ), and attempted to work with Schwabs support team by phone and email, referencing Regulation E. However, I received no meaningful resolution or refund. 

This scam demonstrates how easy it is for fraudsters to exploit peer-to-peer payment platforms like XXXX. I am disappointed that my bank, which advertises secure services, refused to take accountability or assist with recovering the funds. Im requesting that Schwab revisit my case and apply the protections afforded to me under federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance. 


I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit report. 

Please review the attached letter for further details. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
I have told the Mortgage company that I had an issue with transferring to a new job and I missed a week of pay. I asked if they could help me with some options but was told I had to pay one of 2 ways either fork out the money for the payment immediately or have the payment divided into the following 3 months which there would be no way I could afford. Also, during this process they told me that I would continue to be in collections for these three months even if I paid on time and would count towards foreclosure even if I made these payments, which would make no sense. 
I am struggling with losing a weeks pay and paying off XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they refused to work with me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-19 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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