vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
I am requesting that XXXX remove negative payment information from my credit report that occurred during a period of severe medical hardship. In [ Month, Year ], I was diagnosed with XXXX and underwent intensive treatment that left me temporarily unable to manage my finances. This resulted in several late payments on my XXXX credit card account [ XXXX ], which were reported to the credit bureaus. 

These delinquencies do not reflect my long-term payment behavior. Prior to this event, I maintained a strong history of on-time payments with XXXX and have since paid the account in full ( or resumed consistent payments ). 

I contacted XXXX via written request to ask for a one-time goodwill removal, citing my medical emergency and including documentation. I believe XXXX has the discretion to update or remove this derogatory information under the FCRAs permissible framework for compassionate or discretionary relief. 

XXXX denied my request ( or failed to respond ). I am requesting that the CFPB intervene and ask XXXX to reconsider this adjustment based on the extraordinary and medically documented nature of the hardship. I am not contesting that the late payments occurredI am asking for a discretionary act of goodwill given the verified life-threatening circumstances.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting that XXXX remove negative payment information from my credit report that occurred during a period of severe medical hardship. In [ Month, Year ], I was diagnosed with XXXX and underwent intensive treatment that left me temporarily unable to manage my finances. This resulted in several late payments on my XXXX credit card account [ XXXX ], which were reported to the credit bureaus. 

These delinquencies do not reflect my long-term payment behavior. Prior to this event, I maintained a strong history of on-time payments with XXXX and have since paid the account in full ( or resumed consistent payments ). 

I contacted XXXX via written request to ask for a one-time goodwill removal, citing my medical emergency and including documentation. I believe XXXX has the discretion to update or remove this derogatory information under the FCRAs permissible framework for compassionate or discretionary relief. 

XXXX denied my request ( or failed to respond ). I am requesting that the CFPB intervene and ask XXXX to reconsider this adjustment based on the extraordinary and medically documented nature of the hardship. I am not contesting that the late payments occurredI am asking for a discretionary act of goodwill given the verified life-threatening circumstances.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC and their collection agent XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

In XX/XX/XXXX, I sent formal disputes and verification requests to all three credit bureaus ( XXXX XXXX XXXX ), citing FCRA sections 609 and 611. I requested verification and deletion of the inaccurate LVNV Funding account, which was either resolved or unverifiable. Despite this, the bureaus failed to remove the tradeline, and LVNV continued furnishing data without validation or reinvestigation results, violating FCRA 611.

In addition, I received constant emails from LVNV and XXXX XXXX XXXX nearly every week between XX/XX/XXXX and XX/XX/XXXX, stating it is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline. These messages were repetitive, aggressive, and misleading often marked Time-Sensitive, Dont Wait Any Longer, Final Notice, or Urgent Response Needed. This ongoing contact amounts to harassment under FDCPA 806 and deceptive representations under FDCPA 807.

Their repeated failure to honor their own stated deletion policy while continuing to report this debt has severely harmed me. I never received itemized validation ( as required under FDCPA 809 ) or a proper FCRA reinvestigation. This has caused emotional distress, anxiety, denial of credit, and reputational harm all while I remained cooperative and attempted to resolve these issues through formal legal channels. 

I am asking the CFPB to investigate and compel full deletion of this account from all credit reports, and to hold LVNV Funding and any reporting bureaus accountable for their willful negligence, harassment, and continued noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted a complaint since 2021 or earlier, and my consumer report has not been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX on my Experian credit file. The account ( XXXX XXXX, # XXXX ) was charged off years ago, and the last payment on file is from XX/XX/XXXX. However, Experian is allowing the account to report monthly late payments through at least XX/XX/XXXX, which is misleading and potentially a violation of the FCRA. 

This appears to be an attempt to re-age the account by reporting new delinquencies each month despite no new activity, which unfairly damages my credit profile. The Date of First Delinquency ( DOFD ) is not changing, yet the reporting suggests ongoing delinquency this does not align with FCRA reporting guidelines under Section 623. 

I have disputed this with Experian, and they verified it without proper investigation. Im requesting CFPB assistance in having the tradeline either corrected ( with payment history ending at charge-off ) or removed if proper documentation can not be provided. 

Thank you for your support.

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
notice of dispute intent to litigate I am submitting this formal complaint regarding an alleged debt that LVNV Funding LLC claims to own or collect. I am disputing the validity and ownership of the alleged account and requesting full documentation and validation as required by federal law. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006 ), I hereby request : Complete validation of the debt, including : An itemized breakdown showing the original amount, interest, fees, credits, and payments ; The name and address of the original creditor ; A copy of the original signed credit agreement or application. 

Proof of ownership and legal authority to collect, including : A chain of title showing all assignments from the original creditor to LVNV Funding ; Any purchase agreement, bill of sale, or contract of assignment proving LVNVs current legal interest in the alleged debt.

Proof that LVNV Funding sent a proper validation notice within five ( 5 ) days of the initial communication as required under 12 CFR 1006.34 ( a ).

If LVNV Funding can not produce these documents, then : Any attempt to collect the alleged debt violates 15 U.S.C. 1692g, Any misrepresentation about LVNVs ownership or authority to collect constitutes a violation of 15 U.S.C. 1692e and 12 CFR 1006.18.

At this time, I am requesting : Immediate cessation of all collection activities until full validation and proof of assignment is provided, Deletion of any related credit reporting entries if proper documentation can not be produced,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX that appears on my credit report as a charged-off debt with a balance still owed. 

If a Form 1099-C was issued in connection with this account, then under IRS regulations XXXX the debt was legally canceled, and the creditor claimed a tax write-off for the unpaid balance. As such, it is inaccurate and misleading for this account to continue reporting a balance or to be treated as a collectible debt. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) requires furnishers and credit bureaus to ensure maximum possible accuracy of information reported.

Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate or misleading information and obligates the data furnisher and bureaus to conduct a reasonable reinvestigation.

Section 611 ( a ) ( 5 ) requires removal or correction of information that can not be verified. 

Despite submitting a dispute through TransUnion, I was informed on XX/XX/XXXX, that the account was verified as reported with no explanation of how or whether a 1099-C was considered. 

Additionally, in the federal case In re : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court held that reporting a debt as owed after issuing a 1099-C is inaccurate and may constitute an FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage has repeatedly failed to provide a critical call log from XX/XX/XXXX, despite multiple formal requests. Ive called several times asking for this recording because it directly relates to a dispute over the terms of a forbearance plan. Most recently, on XX/XX/XXXX, I spoke with a representative from PHH Mortgage Services who claimed the call log had already been mailed to me twicewhich is simply not true. I never received anything. 

During that same call, I was told the log could be emailed to me within an hour. I voiced doubt, saying I hadnt received anything before and probably wouldnt now. The representative insisted I would. Its now well past that point and I still have not received the logneither by mail nor by email. At this point, it feels like PHH is deliberately delaying and stonewalling me. 

What makes this worse is that the XX/XX/XXXX call was not clear or professionally handled. The representative I spoke to gave confusing and incomplete information about how the forbearance plan worked and how to correctly repay it. I specifically stated multiple times on that call that I did not want anything to negatively impact my credit score, and that I was willing to do whatever was needed to stay current and in good standing. But because the information I received was vague and contradictory, I left the call without fully understanding what PHH expected from me.

Now, PHH is defending its actions and refusing to take accountability, while also denying me access to the very call log that could help clarify and support my position. I am being blocked from obtaining vital information that would allow me to challenge any inaccuracies and resolve this matter responsibly. Even if they eventually provide the log, the delay has already caused harm and wasted valuable time.

I am asking the CFPB to hold PHH Mortgage accountable for : Repeated failure to provide requested call logs Misinformation and contradictory responses from their agents Lack of transparency that is preventing resolution of a valid dispute Potential negative impacts to my credit that I actively tried to avoid A pattern of misleading and unprofessional communication This situation has caused unnecessary stress and has interfered with my ability to protect my credit and financial health. I want this complaint to be taken seriously, and I urge the CFPB to step in and enforce consequences for PHHs failure to provide documentation and act in good faith.

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 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received two prepaid gift cards from a friend as a present. Both for {$100.00}, and both from www.prepaidgiftbalance.com I activated both cards. One worked fine, the other never worked. When I call the company, they ask for me to enter the card number and three digit security number on the back of the card, I do so, and it says they can not find my account. It hangs up on me. There is no way to enter any other number or get to a customer service rep. I then went to the website, and clicked on the card not working link. There, it asked me to fill out the details of the card, which I did. It then gives me an error message. I have tried all the steps numerous times on different days. I can not get through to any customer service representative with XXXX. I would like assistance to file a complaint and hopefully get this resolved.

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 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Subject : Duplicate loan balance after consolidation MOHELA reporting error affecting PSLF I consolidated my federal Parent PLUS loans in XX/XX/year> while they were serviced by XXXX XXXX. XXXX of those loans, Loan # XXXX, was included in the Direct Consolidation Loan disbursed on XX/XX/year> ( now listed as Loan # XXXX ). XXXX confirms that XXXX # XXXX has a {$0.00} balance, which reflects that it was paid off through consolidation. 

However, XXXX current loan serviceris still reporting XXXX # XXXX as an open, active loan with a balance of {$11000.00} and a scheduled repayment plan. This is in addition to XXXX # XXXX, which includes that same principal amount. The result is that the same loan balance is being counted twice, inflating my total student loan debt and possibly affecting my XXXX eligibility. 

I have contacted MOHELA multiple times and requested an account reconciliation, but the issue remains unresolved. No one has reviewed the consolidation documentation or acknowledged the error. This creates an inaccurate payment schedule, inflated loan balances, and risk of incorrect PSLF qualifying payment calculations. 

I am requesting CFPB intervention to ensure : A full account reconciliation is performed, MOHELA corrects its records to reflect that Loan # XXXX was paid through consolidation, The {$11000.00} balance is removed, And my PSLF tracking is updated accordingly. 

Supporting documents include : XXXX loan detail report showing Loan # XXXX with {$0.00} balance MOHELA loan XXXX showing both XXXX # XXXX and Loan # XXXX listed as active Thank you for your assistance in correcting this error.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX, which has led to me becoming a victim of identity theft. After carefully reviewing my credit reports, I discovered multiple unauthorized and fraudulent entries that I did not open, authorize, or initiate. 

The following entries are false and appear to be the result of fraudulent activity using my identity : Hard Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX Dated XX/XX/year> Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX I have no relationship with these companies and have never opened or applied for any accounts, services, or credit involving them. These accounts and inquiries were fraudulently established without my knowledge or consent. 

I am formally disputing these entries and requesting their immediate deletion and permanent blocking from my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) Requires credit reporting agencies to investigate disputed information and remove or correct inaccurate or unverifiable items within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires consumer reporting agencies to block identity theft-related information within 4 business days of receiving a valid identity theft report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires data furnishers to investigate disputes and cease reporting information that is determined to be inaccurate or the result of identity theft. 

I am prepared to provide documentation such as a police report, an FTC Identity Theft Affidavit, and proof of the XXXX breach, if necessary. I am requesting that : All fraudulent accounts and the hard inquiry must be deleted and blocked within 4 business days under FCRA 605B.

My credit reports will be updated within 15 calendar days to reflect these corrections. 

I receive written confirmation of the results of the investigation and actions taken. 

Failure to correct this information will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and additional legal remedies as allowed by 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
Consumer complaint received 2025-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-07-27 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: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX Late Payment for XX/XX/year> and XXXX  days XX/XX/year> To Whom It May Concern : I am writing to dispute inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and request an immediate investigation and correction. The following item is factually and mathematically impossible and must be removed : Disputed Item : Creditor Name : XXXX  Account Number : XXXX, XXXX, XXXX, XXXX Reported Error : A " XXXX  days late '' payment status for XX/XX/year>. 
Reason for Dispute : XX/XX/year> has only XXXX  days ( or XXXX in a leap year ). It is impossible to be XXXX  days late within a single month. 
This error suggests either a data entry mistake, a misreporting of the delinquency timeline, or an invalid reporting date. 
Legal Basis for Dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable investigation of disputed items within 30 days.

2. FCRA 623 ( b ) ( 1 ) : Prohibits furnishers ( XXXX ) from reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief