vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Issue : Incorrect account handling, wrongful repossession, breach of peace, property theft Date of payment issue : XX/XX/year>2024 Date of repossession incident : XX/XX/year>2024 State : Texas What happened : In XX/XX/scrub> 2024, I made a {$1200.00} payment to Ally Financial to catch up my auto loan. The payment was accepted but was never posted to my account. This caused Ally to incorrectly show my account as delinquent. 

On XX/XX/scrub> 2024, a repossession agent working for Ally Financial committed a serious breach of peace while attempting to repossess my vehicle. The tow truck driver : attempted to run me off the highway, chased me through a XXXX parking lot, and created a dangerous and frightening situation. 

Under Texas Business & Commerce Code 9.609, repossession can not occur with a breach of peace. This made the repossession attempt illegal. 

I contacted Ally immediately after the incident and reported the breach of peace. Ally : refused to give me the repo company or driver information, did not investigate the incident, and did not address the misapplied {$1200.00} payment. 

Despite the incident and their accounting error, the vehicle was eventually repossessed. After repossession, my personal belongings were stolen and never returned to me. Texas law ( Texas Business & Commerce Code 7.204 and the Texas Theft Liability Act ) requires a repossession/storage company to safeguard and return personal property, which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: NC

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding the servicing and handling of my private student loans by MOHELA. I believe MOHELA has engaged in improper servicing practices, lack of transparency, and failures in providing accurate information and reasonable assistance regarding my repayment, interest accrual, and options for relief. 
1. Background Information Loan holder/servicer : MOHELA Loan type : Private student loans Approximate balance : XXXX Approximate interest rate : 14 % State of residence : North Carolina I have been making consistent payments for years, including a substantial amount toward interest. Despite this, my balance has not meaningfully decreased, and MOHELA has not provided clear or consistent explanations for how payments are being applied. I have paid an extremely high amount of interest over the life of the loan, yet relief or restructuring options have not been made available. 
I have made attempts to discuss hardship options, settlement offers, or alternative repayment arrangements have been met with dismissive or inconsistent responses. 
Customer service agents often provide contradictory information, making it difficult to understand my rights or next steps. 
I have made years of on-time payments, including a significant total amount in interest, yet MOHELA has not considered any form of settlement, discharge consideration, or restructuring despite documented financial hardship.

I am requesting that the CFPB : 1. Review MOHELAs servicing practices regarding my loans.

2. Require MOHELA to provide a full and accurate accounting of my loan history, including how payments have been applied.

3. Require MOHELA to offer reasonable hardship options or settlement pathways based on my payment history and current financial circumstances.

4. Investigate whether MOHELA is in compliance with federal and state servicing standards for private student loans.

I am requesting assistance because MOHELA has not provided clear, accurate, or fair servicing, and I believe their practices are harmful and potentially deceptive.

Thank you for reviewing this complaint. I am willing to provide documentation, payment histories, or call logs as needed. 
Sincerely, XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MN

Complaint narrative:
I have been disputing the same information for the past year, and TransUnion continues to fail with the block on my credit report. I have been submitting the same documentation to them, and I am not getting any results. I submitted documentation regarding ID theft in XXXX, XXXX, and again in XXXX of 2025. Since then, they have not implemented the security freeze on my report until XXXX of 2025. I continue to be denied credit for personal and business purposes. It took over nine months to have addresses, phone numbers, and names that did not belong to me. There are late payments on my car that were corrected, never to be late in XXXX, and Transunion reinserted the late fees on my credit report. The student loans in my closed accounts continue to report, and XXXX was notified that I am still a student and have been in school before those late payments, and need to be REMOVED. I have filed over 17 CFPB complaints against this company, and they continue to report inaccurately.

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 2025-11-17 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: NM

Complaint narrative:
I am submitting this dispute regarding several accounts on my credit report that I believe are inaccurate or contain errors. Please review the following accounts and provide a resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX LATE PAYMENT : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
Trustmark National Bank is furnishing false and misleading credit information on my XXXX  credit file, including re-aging and reporting new delinquency events on a closed/charged-off account. 

The account was charged off months ago and officially closed on XX/XX/year>. It also shows XXXX late payments, meaning there were never any reported delinquencies. 

Despite this, Trustmark repeatedly furnished brand-new delinquency alerts on the following dates, all coming from XXXXXXXX XXXX  XXXX XXXX alerts : XX/XX/year> New delinquent account XX/XX/year> New delinquent account XX/XX/year> New delinquent account XX/XX/year> New delinquent account XX/XX/year> New delinquent account A closed, charged-off account can not legally become newly delinquent, so these updates are false and constitute illegal re-aging, which violates : FCRA 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ) FCRA 623 ( a ) ( 2 ) ( failure to update correctly ) FCRA 605 ( c ) ( re-aging prohibitions ) CFPB UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) In addition, after the account was closed, Trustmark : repeatedly changed remarks on the tradeline ( profit and loss write-off, credit line suspended, special assets recovery ), mailed multiple collection letters weekly through XXXX, and furnished inquiries using an outdated address that is not mine. 

I have saved and uploaded all credit alerts and multiple Trustmark letters that prove this pattern. 

This repeated reporting has caused my credit score to drop multiple times without cause and has created misleading negative activity on a closed account.

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 2025-11-17 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: WI

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the following companies for reporting inaccurate, unverified, and damaging information on my consumer report. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ) because they are being reported without proper verification, without my authorization, or with incorrect information. 

1. Wrong Address Reporting The following address is false and does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This incorrect address must be removed immediately as it suggests possible identity misuse. 

2. Late Payment ( I Dispute the Accuracy ) XXXX XXXX  XXXX XXXX XXXX Account : XXXX Open Date : XX/XX/XXXX Balance : {$360.00} Status : Late Payment This account is reporting late payments, which is completely inaccurate. 
I dispute this reporting because I have never made a late payment on this account, and the information being furnished is false, unverified, and causing harm to my credit reputation. I request a full investigation and correction. 

3. Collection Accounts ( I Have No Knowledge of These Accounts ) The following accounts are being reported as collections. I have no knowledge of these accounts, never opened them, never authorized them, and do not acknowledge them : XXXX MONTHLY LOAN Account : XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status : Collection XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX High Balance : {$210.00} Status : Collection These appear to be fraudulent or identity theftrelated, and must be immediately deleted as unverified and unauthorized accounts under FCRA 602A and 611.

4. Unauthorized / Unverified Hard Inquiries I did not authorize the following companies to pull my credit. These inquiries were never permitted and must be removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 604, no company may access my credit report without my direct authorization or a permissible purpose. These inquiries violate federal law and must be deleted.

Requested Action I request the CFPB to : Investigate each company and credit bureau involved.

Require immediate deletion of all unverified, unauthorized, or fraudulent items.

Ensure correction of the late payment reported inaccurately.

Remove the false address from my credit file.

Hold the furnishers accountable for violating the Fair Credit Reporting Act.

These inaccurate reports have caused me financial harm and emotional distress. I expect a prompt investigation and resolution.

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 have XXXX ties to these accounts ; they should be removed in 15 days under USC 1681g.

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 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Product : Mortgage Issue : Trouble during the payment process ; received incorrect/inaccurate information.

Desired Resolution : Immediate correction of the principal balance and a certified, written statement confirming the correction.

Detailed Complaint Summary : Material Servicing Error This complaint concerns an egregious and material error in the principal balance communicated by the new mortgage servicer, Shellpoint Mortgage Servicing, following the transfer of my loan. 

1. Servicing Transfer Details : XX/XX/year> Original Lender/Servicer : XXXX  XXXX XXXX New Servicer ( Company Complained Against ) : Shellpoint Mortgage Servicing Effective Date of Transfer : XX/XX/year> Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA Account Number : XXXX 2. Factual Error : The actual, verifiable Principal Balance owed on the mortgage loan at the time of transfer was {>= $1,000,000}. 

However, the initial servicing paperwork, including the Welcome Packet/Transfer Statement ], incorrectly states the Principal Balance owed as {>= $1,000,000}. This amount is precisely ten times the correct, legally-owed principal balance.

3. Prior Attempted Resolution : I contacted Shellpoint Mortgage Servicing regarding this error on XX/XX/year>. The representative acknowledged the error and stated that a correction would be processed. No corrected statement or written confirmation of the correction has been received. 

4. Impact and Violation : This is not a minor clerical error ; it is a ten-fold exaggeration of the debt, directly impacting the accuracy of all subsequent statements, escrow calculations, and future payoff quotes. 

The servicer 's failure to onboard the loan with the correct material balance constitutes a failure to maintain accurate and timely information and is a violation of federal mortgage servicing requirements, specifically those related to error resolution and information accuracy under Regulation ( 12 C.F.R. 1024.35 ). The error is sufficiently large to indicate a severe systemic failure in the loan transfer process. 

5. Demand : I request the CFPB immediately forward this Notice of Error to Shellpoint Mortgage Servicing and demand the following : Immediate correction of the Principal Balance to the correct amount of {>= $1,000,000}. 

Written confirmation ( via mail or secure portal ) of the correction, including a copy of an accurate, corrected servicing statement, and confirmation that all internal systems have been updated. 

Confirmation that this error has not been reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Timothy M. Sullivan
State: TN

Complaint narrative:
I called last week to request original creditor, last payment amount, and date. The lady was extremely rude and unprofessional and would not give it to me. They also have not abided by the laws that govern the SCRA benefits. They also show blatant diregard to the laws concerning Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting from XXXX XXXX XXXX. XXXX is reporting a collection account to TransUnion that is inaccurate, incomplete, and unverifiable. 

I have disputed this account with TransUnion multiple times and it continues to come back as verified without any documentation. XXXX has not provided : A contract or agreement bearing my signature The purchase/assignment agreement Any proof they own the debt Any itemized statements Any evidence that this account belongs to me This account also does NOT appear on my XXXX  report , which raises major concerns. 

TransUnions repeated verified responses without documentation suggest a failure to conduct a reasonable investigation under FCRA 611 ( a ). I am requesting that XXXX provide full validation and documentation, or remove the account from all consumer reports.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal failed to validate alleged debt violating my inalienable rights by neglecting the constitution of the XXXX XXXX Republic of America Artcile 1 section 10 clause 1. Navy federal also participated in fraud and swindles under Title 18 USC 1341

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief