vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I took out a loan from spotloan and they charging me way more that the payback my APR IS 490 % which is too muck I didn't get the amount APR when i apply so i want them to stop charging me

Company public response: Company believes it acted appropriately as authorized by contract or law
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a false debt collection that was reported on my credit history by XXXX XXXX back in XXXX. 
A collection account appeared on my credit report that was not valid and did not belong to me. 
I disputed the account, and after 30 days of investigation, XXXX XXXX admitted they could not provide sufficient proof to validate the debt. The account was then removed from my credit report on XX/XX/XXXX. 
Prior to the collection being reported, my credit score was XXXX. Once the false collection appeared, my score dropped to XXXX, a significant decrease of XXXX points. 
Although the account has since been removed, my credit score has not been restored to its prior level. This continues to negatively impact me, particularly because I am in the process of purchasing a home and need my true score reflected accurately. 

My original dispute explicitly requested that the collection be removed and that my credit score be reinstated to its original level. While XXXX XXXX acknowledged they lacked proof and removed the collection, they failed to address the harm caused to my credit score. 

This situation is unfair and harmful. I should not be penalized for a debt that was proven to be false and unverified. I respectfully request that my credit score be corrected and reinstated to its pre-dispute level of XXXX. 

I am requesting CFPBs assistance to : 1. Ensure that the false collection remains permanently removed. 
2. Ensure that my credit score is restored to the level it was at before the false collection was reported. 

Thank you for your time and for reviewing this matter. I look forward to your assistance in resolving this issue.

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 2025-09-27 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: SC

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe XXXX have been compromised as a result of the data breach affecting TransUnion. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that XXXX have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Unauthorized Hard Inquiries : XXXX XX/XX/XXXXXXXX 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 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 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Statement of Facts XX/XX/year> Submitted written request for PMI removal via email and letter. 

XX/XX/year> Called PHH ; was told no request was on file. PHH initiated a new request. 

XX/XX/year> PHH issued instructions through its portal. I submitted the required paperwork and a {$190.00} check by mail the same day. 

XX/XX/year> PHH misapplied my {$190.00} check as a late fee/other rather than for PMI removal. 

XX/XX/year> PHH confirmed by phone that the payment was misapplied.

Issues Failure to process my initial written request.

Delay in acknowledgment until I initiated follow-up.

Misapplication of funds designated for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
My Federa student loans are managed through Mohela. In XX/XX/year> I was approved by Mohela to switch out of the XXXX plan and into XXXX so I could continue to make qualifying payments for XXXX. They sent a letter saying my first payment under the new plan would be in XXXX. Once XXXX came, I never received a bill and remained in an awaiting documentation administrative forbearance. I have called 3 times starting in XXXX to be removed from forbearance. Most recenty I called in XXXX and they could not tell me why I was stuck in forbearance, that it must be a glitch in the system, and that they would escalate my request and I should be back in repayment in 10 business days. Now it has been over a month and I am still in forbearance. I have been unable to pay my loan, even though I am in the Income Based Repayment plan, for the past 8 months. I would like to pay my debt, and the debt collector ( Mohela ) is preventing me from doing so while my loans continue to collect interest! I would like to be removed from forbearance and put back into active repayment so I can pay my debt.

Company response to consumer: In progress
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: TN

Complaint narrative:
Sometime around XX/XX/year> I received a copy of a motion filed by XXXX XXXX XXXX XXXX located in XXXX AL firm to extend a judgement they were awarded in XXXXThey were attempting to collect the remaining balance of a debt saying the judgement had not been satisfied. They represent Discover Bank. This motion was dated XX/XX/XXXX. I had 30 days to respond to this motion. I responded to the motion on XX/XX/year>. I took a copy of my response to the court clerk on that day. I also mailed a certified copy to XXXX XXXX XXXX XXXX firm the same day. I have the certified mail receipt to prove this. They also verified receipt of my response via telephone. 
XX/XX/year> I received a Notice of XXXX setting for XXXX XXXX this was dated XXXX XXXX. I was fully prepared to take this to court as I was working with a past employer to verify payroll records where my pay was garnished for this debt. 
To my surprise and detriment on XX/XX/XXXX I received an Order Extending Judgment from XXXX XXXX XXXX stating that I had not filed a response to the motion within the 30 days. This was dated on XX/XX/year>. I have since called and spoken to someone at the firm about this and their response was that they were granted the judgment, and proceeded to try to collect the debt. It is my belief they are going to attempt to garnish my wages without me having been given my chance in court to dispute their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
This is a follow up to complaint XXXX I request that XXXX XXXX XXXX immediately : Cease all collection activity on this account.

Delete all reporting of this debt from my credit reports with XXXX  and XXXX, since the original creditor has confirmed a {$0.00} balance.

Provide written confirmation to me that the account has been closed and will not be re-sold or re-reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am disputing several late payments reported by Bank of America on XXXX of my accounts, which began in XXXX and XXXX XXXX same period affected by the XXXX XXXX XXXX XXXX breach that disrupted access to Bank of Americas systems. Due to this breach, I was unable to manage my accounts or make timely payments despite a previously strong payment history. The reported delinquencies ( ranging from 30 to 90 days late ) were a direct result of this incident. I am requesting that Bank of America conduct a reinvestigation under FCRA 611 and consider a goodwill removal of these negative marks, as the circumstances were beyond my control and tied to a documented data security failure. These entries are unfairly damaging my credit profile, and I ask the CFPB to review the matter and ensure a fair 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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
XXXX XXXXy took my information placed it on the apartment unit meter the reader of the entire complex. I have tried to get the manager and owner of the complex information no one will take my call!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
Complaint Against Experian and TransUnion I am submitting this complaint because Experian and TransUnion have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am a victim of XXXX XXXX, and I have attached my official FTC Identity Theft Report ( Report # XXXX, filed XX/XX/year> ). Despite notifying the credit bureaus and disputing the fraudulent accounts, Experian and TransUnion reinserted the following fraudulent accounts without proper notice or investigation : XXXX XXXX Account ending in XXXX fraudulent balance of {$3500.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX fraudulent balance of {$140.00} FCRA Violations XXXX XXXX XXXX a Reasonable Investigation Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. Both Experian and TransUnion failed to properly investigate before reinserting these accounts.

Unlawful Reinsertion Without Notice According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency can not reinsert information that has been deleted due to a dispute unless the furnisher certifies its accuracy and the consumer is notified in writing within 5 business days.

I was not provided with any notice that the fraudulent accounts were being reinserted.

No certification of accuracy has been provided to me.

Failure to Block Identity Theft Information Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block information that results from identity theft within 4 business days of receiving : Proper identification, An identity theft report, and A statement from the consumer.

I provided Experian and TransUnion with this documentation, yet the accounts remain, and were even reinserted. 

Damages I have suffered actual damages, including denial of credit opportunities and emotional distress, as a direct result of these violations. 

Requested XXXX XXXX removal of all fraudulent accounts listed above from my Experian and TransUnion credit reports. 

XXXX that no reinsertion will occur without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Investigation into Experians and TransUnions compliance with FCRA identity theft protections. 

I am requesting the CFPB to enforce my rights and ensure that these unlawful practices are corrected immediately.

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 2025-09-27 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-27 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: MS

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. 

INQUIRIES in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: MS

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. 

INQUIRIES in question : XXXX XXXXXXXX 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 2025-09-27 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: CT

Complaint narrative:
I am suffering seriously as a victim of identity theft. All this has nothing to do with me, and yet I am the victim of this ongoing fraud. Daily, it drains my mental and emotional strength. The fear, stress, and exhaustion have become intolerable. I am helpless, and this ordeal is consuming every part of my life. I implore you please, in the interest of my well being BLOCK and REMOVE these scam items instantly. the following elements were included in this FRAUD : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXX opened in 2022

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 2025-09-27 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: NY

Complaint narrative:
Complaint Against Experian and TransUnion I am submitting this complaint because Experian and TransUnion have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am a victim of XXXX XXXX, and I have attached my official FTC Identity Theft Report ( Report # XXXX, filed XX/XX/year> ). Despite notifying the credit bureaus and disputing the fraudulent accounts, Experian and TransUnion reinserted the following fraudulent accounts without proper notice or investigation : XXXX XXXX Account ending in XXXX fraudulent balance of {$3500.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX fraudulent balance of {$140.00} FCRA Violations XXXX XXXX XXXX a Reasonable Investigation Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. Both Experian and TransUnion failed to properly investigate before reinserting these accounts.

Unlawful Reinsertion Without Notice According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency can not reinsert information that has been deleted due to a dispute unless the furnisher certifies its accuracy and the consumer is notified in writing within 5 business days.

I was not provided with any notice that the fraudulent accounts were being reinserted.

No certification of accuracy has been provided to me.

Failure to Block Identity Theft Information Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency must block information that results from identity theft within 4 business days of receiving : Proper identification, An identity theft report, and A statement from the consumer.

I provided Experian and TransUnion with this documentation, yet the accounts remain, and were even reinserted. 

Damages I have suffered actual damages, including denial of credit opportunities and emotional distress, as a direct result of these violations. 

Requested XXXX XXXX removal of all fraudulent accounts listed above from my Experian and TransUnion credit reports. 

XXXX that no reinsertion will occur without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Investigation into Experians and TransUnions compliance with FCRA identity theft protections. 

I am requesting the CFPB to enforce my rights and ensure that these unlawful practices are corrected immediately.

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 2025-09-27 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: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I hired XXXX XXXX  to help with credit repair, after paying them monthly I saw little effect to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remake have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remake have been detrimental to my life and credit health.

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