vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
My student aid account and XXXX account have been showing different amounts since XXXX. I have already placed a complaint for XXXX. Now my student aid is showing a balance XXXX higher than it should be. I have been in administrative forbearance since summer 2024. Before that I was in the XXXX program. And before that, I was on XXXX forbearance. I am not sure why my balance has gone up when my interest has been 0 % for the majority of the loans life, and when I was in repayment i was in XXXX and should not have capitalized interest. I have attached screen shots of XXXX and student aid from XXXX and XXXX. In XXXX my loans went from XXXX to XXXX. Now only a few weeks later, they are up by XXXX on XXXX and XXXX on student aid.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of the following hard inquiries listed on my credit file, which I did not authorize or which can not be verified as having permissible purpose under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, specifically : 15 U.S. Code 1681b ( c ) A hard inquiry is only permissible if I initiated the credit transaction or gave written authorization.

15 U.S. Code 1681i If any item of information is inaccurate or can not be verified, it must be deleted from my credit file.

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 2025-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally dispute and request the removal of the following hard inquiries listed on my credit file, which I did not authorize or which can not be verified as having permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, specifically : 15 U.S. Code 1681b ( c ) A hard inquiry is only permissible if I initiated the credit transaction or gave written authorization.

15 U.S. Code 1681i If any item of information is inaccurate or can not be verified, it must be deleted from my credit file.

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My BOFA credit card ending in XXXX was charged {$150.00} for a purchase at XXXX in XXXX, Arkansas, on XX/XX/XXXX2025. I immediately realized that I had not purchased anything from XXXX, and as a resident of California, there was no way that I could. Bank of America ended the fraud claim by declining this fraud and stating that : " We confirmed your card was used for the charges. The chip was read, your pin was entered, and you signed for the service. '' Which is impossible. As a global leading banking company, this mistake should not have been made. As an almost 10-year customer that has been using their banking system, I feel only disappointment. I also have proof that I was not in XXXX, Arkansas, on the date of XX/XX/XXXX 2025.

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 monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally dispute and file a complaint regarding inaccurate reporting of late payments and continued derogatory notations by Capital One Auto Finance after full payoff of my auto loan, which was closed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to my credit report, the loan was fully paid, yet negative payment history was reported post-payoff, Loan Paid Off but Score Dropped. I paid off the loan ( {$3900.00} {$0.00} ). 

The account was closed XX/XX/year>, which should be neutral or slightly positive. 

I made XXXX payments on time recently, yet your score still dropped. 

This confirms they reported late payments prior to full payoff, affecting your payment history possibly post-payoff reporting of late payments ( which violates FCRA 623 if inaccurate ). 

which constitutes false furnishing of credit data in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to correct and update information 15 U.S.C. 1681n Civil liability for willful noncompliance These actions have directly harmed my credit profile, contributing to a XXXXXXXX XXXX drop despite my consistent on-time payments and XXXX XXXX 

I am demanding a full investigation, deletion of inaccurate information, and proof of permissible purpose for all inquiries. 
If unresolved, I will file complaints with the CFPB, FTC, and my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DC

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 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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation - Pursuant to the Fair Debt Collection Practices Act Dear LVNV Funding, I am writing in response to an entry on my credit report and a recent communication regarding an alleged debt. This is not a refusal to pay, but a request that you provide validation of the alleged debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following information : XXXX. The name and address of the original creditor ( XXXX XXXX XXXX XXXX XXXX ). 


XXXX. The original account number. 


XXXX. The amount of the alleged debt and a detailed breakdown of how it was calculated. 


XXXX. Proof that you are authorized to collect this debt. 


XXXX. A copy of any judgment, if applicable. 


XXXX. Proof of my written agreement to assume this debt. 



Until you provide this information, I request that you cease all collection activities and do not report this debt to any credit reporting agencies. If this debt has already been reported, please notify them that the debt is in dispute. 

Please respond within 30 days from the date you receive this letter. I also request that all future communications be made in writing only. 

Sincerely, XXXX XXXX -- - Let me know if you want to tweak any part of this letter or need a second version for a different creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX we thought about trading in the vehicle we had it 3 years and thought we had it paid down enough to trade. The dealer informed us that we have a really high interest rate we pay more than 60 % intrest a month on our vehicle and they wouldn't accept a trade because of what is owed on the vehicle. Now the next part is that the transmission just went out and it's XXXX to replace the transmission we figured that the finance company would have a warranty policy like other finance companies. We can't afford to pay a monthly bill and fix a expense part

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-13 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 1

5 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00} Experian XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00} XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Open date XX/XX/XXXX High balance {$540.00} XXXX. 
XXXX Account XXXX : XXXX XXXX date XX/XX/XXXX High balance {$2100.00}

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) A HARD INQUIRY ON XX/XX/XXXX, XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) A HARD INQUIRY ON XX/XX/XXXX, XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is 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 2025-04-12 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: MI

Complaint narrative:
They repeatedly denied my disputes without any of the requested information and with only more negative impacts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payment remain without proper validation or documentation under 15 USC 1681 S 2A, A furnisher must report accurate information. Under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding an issue with XXXX, a credit card company owned by Continental Finance Company. 

On XX/XX/year>, I mailed a letter requesting to close my account and have the annual fee of {$150.00} refunded. On XX/XX/year>, I called XXXX and was informed that the annual fee would be reversed. However, I was also told that a late fee would remain on my account despite the fact that the only charge on the accountthe annual feeis being refunded. 

I believe this late fee is unwarranted, as it stems from an annual fee that is no longer valid. I have already reached out to XXXX, but they have refused to waive the late fee. 

I kindly request the CFPB 's assistance in resolving this matter and ensuring that this late fee is removed. Please let me know if further details or documentation are required.

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 2025-04-12 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
My initial balance for my loans as of yesterday was {$57000.00}. I received an email today that my balance had increased over 121 % on some loans and my new total is {$72000.00}. I called to ask why the sudden increase on my total of such a high amount. Servicer noted nothing was wrong and thats the correct total. My loans have been in forbearance for months with no new payment due. Monthly due amount has remained {$0.00}. Servicers refused to send information on balance increases and statements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: Credit Systems International, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to Credit Systems Intl IN under FDCPA 809 ( b ), asking for verification of a {$270.00} light bill collection that appeared on my credit report. I specifically requested the original signed agreement, itemized billing, and proof of legal authority to collect. 

As of today, I have received no response or documentation. This collection continues to report to all three credit bureaus without validation, which violates both FDCPA and FCRA 611. I have disputed the account with XXXX, XXXX, and XXXX. I am requesting the CFPB investigate and assist in having this account permanently removed.

Company response to consumer: Closed with explanation