vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: TN

Complaint narrative:
I submitted two payments to MOHELA to pay my student loans in full- one payment of {$23000.00} and another of {$8400.00} for a grand total of {$31000.00}. MOHELA applied the payments twice on one of the loans ( Loan 3, which was {$8400.00} ) and now it shows a negative balance, essentially saying they owe me. Meanwhile, XXXX other loans that this payment should have been applied to are now accruing interest and should also be paid in full. After XXXX phone calls and an email, nothing has been done to fix this.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 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: FL

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
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I requested debt validation and the information provided to me is insufficient to legally validate the debt, The debt is to the best of my knowledge not mine. It is definitely inaccurate and damaging my credit score, which is preventing me from obtaining a mortgage.

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: CO

Complaint narrative:
I am writing to formally file a complaint regarding a defective product I received and the subsequent handling of my warranty and dispute claim. 

Upon receipt, the product was found to be defective. I immediately contacted the company I purchased it from, and was informed that the item was under warranty. However, after this initial conversation, the company ceased communication altogether. Despite multiple follow-ups, they did not return my calls and failed to dispatch the promised locksmith for resolution. 

I then attempted to resolve the matter through the dispute process, but found the system to be misleading and ultimately ineffective. During the process, I was asked whether the box was damaged. I responded " yes '' in reference to the box having been previously opened not due to shipping damage. Based on this response, my claim was denied, and I was told I needed to contact the carrier. However, a shipping carrier was never used in this transaction, making that instruction irrelevant and frustrating.

When I requested to appeal the decision, I encountered another obstacle : the dispute resolution process appears to rely on an automated system that summarily denies appeals without proper review or human intervention. This lack of transparency and recourse has left me with no viable path to resolution. 

This experience has been deeply disappointing and has left me feeling misled and unsupported as a customer. I request immediate review of this matter by a human representative, and a fair reassessment of my claim and warranty request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this follow-up complaint regarding Equifaxs continued refusal to release my credit report and remove the internal lock that has been in place since XX/XX/year>. 

Equifax has repeatedly requested proof of address and identity, which I have already provided in full on XXXX separate occasions, including [ list what you sent : e.g., a copy of my drivers license, Social Security card, and a recent bank statement ]. Despite confirming receipt of my documents previously, they are once again requesting the same information instead of fulfilling their legal obligations. 

This is an unreasonable and unlawful delay that is preventing me from accessing my own credit report, which I am entitled to under the Fair Credit Reporting Act ( FCRA ) 609. Continuing to demand duplicate documents after confirming receipt twice suggests deliberate obstruction or gross negligence.

Equifaxs inaction is causing ongoing harm to my ability to manage my credit and financial affairs. I am requesting that the CFPB require Equifax to : 1. Immediately remove the internal lock on my credit report.

2. Provide me with a complete and accurate copy of my credit file without further delay.

3. Confirm in writing that my access has been restored.

I have documented proof of all prior submissions, including dated copies of the documents sent and confirmation of receipt from Equifax. Their repeated requests for the same items violate the intent of the FCRA and fail to provide me the access I am entitled to under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have made many attempts to contact both XXXX  and IC systems to clarify why a collections bill of {$130.00} is present on the credit report. XXXX  is not able to identify any debt or even the account that I had. They have literally no record of me, any previous addresses, or previous balances on my account. I not only paid my balance on time consistently but I also returned any equipment that I used in XXXXXXXX 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 2025-08-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-11 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
Regarding dispute XXXX, we are reaching near the 10 day mark of provisional credit under reg e due to the account not being able to be funded because they have limited my deposits. I can deposit anything and now things are bouncing and my account is negative. I was not able to cancel pending achs. I have asked multiple times to give credit on the account since the merchant has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: 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 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 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Re : Account ( s ) Reported by GENESIS Credit and Columbia Debt Recovery Inaccurate & Unverified I am writing under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to formally dispute inaccurate information on my credit report. 
Details of the Disputed Items : XXXX  Negative account reported by GENESIS Credit. 

XXXX XXXX XXXX XXXXXXXX account reported by Columbia Debt Recovery. 

Reason for Dispute : These accounts are factually inaccurate and should be removed immediately because : I have final XXXX balance documentation from my former property XXXX XXXX XXXX XXXX ( The XXXX ) showing no balance owed. 

Charges totaling {$3500.00} included amounts that were erroneous and later removed, including : XXXX  XXXX {$1500.00} - ( XXXX  Resident Ledger showing move out date XXXX ) Utilities {$420.00} ( building lights, not tied to my usage, removed ) Cleaning Fee {$150.00} ( disputed and removed ) As a result these disputed charges XXXX made correction and balance is showing {$0.00} Attached are : Resident Ledger showing the incorrect charges were removed dated XXXX Summary of Move-Out Charges showing the erroneous amounts XXXX Final XXXX Statement from XXXX XXXX. 

This documentation proves that the debt being reported is not valid. Under FCRA 1681i, you are required to : Delete or correct the inaccurate entry ; Provide me with written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

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 2025-08-11 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:
XXXXthese inquiries were not authorize by me experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXtransunion 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 XXXXXXXX XXXXequifax 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 2025-08-11 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: GA

Complaint narrative:
My credit report is showing inaccurate information and errors

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 2025-08-11 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:
XXXX XXXX ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I was never notified or given the opportunity to verify or rectify this matter and did not know it was even an issue or going into collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I found an inaccurate late payment entry on my account that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 data furnishing standards.

Account Under Dispute : Creditor : XXXXXX/XX/XXXX 
Partial Account # : XXXXXX/XX/XXXXAlleged Delinquency Date : XX/XX/year>XX/XX/XXXXOutstanding Balance : {$0.00} Metro 2 Segment in Violation : Base Segment Payment History Profile Field ( Field ID 19 ) E-OSCAR Code : 007 NEVER LATE I have never been late on this account. This late payment entry is fraudulent, inaccurate, and unverifiable. It is in non-compliance with : FCRA 1681i : Right to dispute and reinvestigation FCRA 1681e ( b ) : Duty of data accuracy FDCPA 807 ( 8 ) : Prohibition of false representation of legal status E-OSCAR Code 007 : No late payment has ever occurred Metro 2 Compliance Code " XX/XX/XXXX'' : Required placement during dispute process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 wh
ich antedates the report by more than seven years.

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.

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 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MA

Complaint narrative:
I opened a Chime account on Friday, XX/XX/year> for the sole purpose of purchasing tickets to XXXX XXXX who was in concert that night at the XXXX XXXX. I found these tickets on XXXX. I reached out via text to the number in the post and agreed to purchase XXXX tix. I sent money via Chime totaling {$290.00} and never saw the tickets. It was a scam. My XXXX daughter was heartbroken. I was beyond angry! 
I reached out to Chime immediately to open a dispute and was told I would not be reimbursed because, since I sent this person money I must have known them. 
I am so disappointed and can not believe that Chime does not protect their customers, especially in situations like this! Instead of researching these transaction 's, the Chime account ( $ XXXX ) and the person ( XXXX XXXX ) who received my money, Chime basically told me too bad. They have refused to help me. Meanwhile, this person is out there having money deposited into their Chime account by running these scams. It is just not right! 
Chime should have deposited the money back into my account AND done a thorough investigation of the scammers account.

Company response to consumer: Closed with explanation