vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
The XXXX  XXXX al has not provided the proof of purchasing the debt and that they a legally able to collect. This has been going on for several months now and all I get is statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
MOHELA-Federal Student Aid is misreporting an amount that they owe me or Federal Student Aid due to an overpayment I made nine months ago. MOHELA is reflecting my overpayment as an amount that I owe to them. I was notified by MOHELA on XX/XX/XXXXXXXX  that my student loans were paid in full through public service loan forgiveness. The notification letter shows an outstanding balance of negative {$120.00}, which was the amount MOHELA owed me/Federal Student Aid due to an overpayment I made of {$120.00} on XX/XX/XXXX. I have been reminding MOHELA for many months that my loans were paid in full and that my account is closed but they refuse to close my accounts or reimburse me/Federal Student Aid for my {$120.00} overpayment. Instead, MOHELA has falsified the {$120.00} and is reflecting it as an amount that I owe to them rather than what it is, which is an overpayment they owe to me or to Federal Student Aid directly. On XX/XX/XXXX MOHELA sent me a letter regarding a moot/obviated income based repayment request ( attached IBR denial letter ). I submitted the IBR request while I was awaiting/before I was informed my loans were paid in full/forgiven through public service loan forgiveness. I have asked MOHELA several times to please cancel the moot request since I have no loans with them. The XX/XX/XXXXXXXX  letter falsely states my current loan balance is {$230.00}, which appears to be my {$120.00} overpayment plus interest for eight months. My loans were paid in full and have a credit/overpayment balance, which is to say an amount that MOHELA owes me/Federal Student Aid, of {$120.00}. When I log onto my MOHELA student loan account it shows a balance of more than {$230.00} that continues to grow because MOHELA is charging interest on the balance that they have misrepresented as an amount that I owe to them rather than what it is in fact -- an amount that they owe to me or to Federal Student Aid directly since it was an overpayment of {$120.00} I made on XX/XX/XXXXXXXX  ( attached XXXX XXXX savings account statement showing debit of {$120.00} on XX/XX/XXXX ). MOHELA refuses to correct their error and every day I check my MOHELA account and the amount they show I owe has grown because they are charging interest for the {$120.00} they are misrepresenting as an amount I owe. They continue to waste time and create burdensome communications about a denied income based repayment request when I have no loans with them anymore.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-05 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme frustration and disappointment with the ongoing issues I have experienced with your institution. Despite submitting multiple complaints and disputes throughout the year regarding unauthorized transactions on my account, the same fraudulent activity continues to occur most recently on Wednesday, XX/XX/XXXX. 
This is not the first time I have reported these particular transactions. They have been disputed at least three to four times this year, yet no lasting resolution has been provided. Following advice from the bank, I opened a new account, with the assumption that this would prevent further unauthorized access. The funds were transferred from my old account to the new one on XX/XX/XXXX. 
However, because I had not yet received a physical debit card and was unable to access the virtual debit card, I attempted to withdraw funds directly from the bank. Shockingly, I was informed by the teller that I could not access any of my funds. 
As a result of this situation : I was unable to purchase food for my children. 
I had no gas to drive, which led to me missing work. 
I have experienced financial, emotional, and mental stress due to this situation. 
This experience is not only unacceptable it is inhumane. I entrusted your bank with my finances and well-being, and instead, I have been left helpless and unsupported.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I met a man from dating app, XXXX XXXX XXXX He introduced himself as finance manager from XXXX. He said he is originally from XXXX and live in XXXX, CA. 
He built trust with me at the beginning through good communication. Later on, however, he asked me to invest money in what he is participating in it that it can make a lot of money. It is called " XXXXXXXX XXXX XXXX and " Coinbase '' app from the app store. 
At the beginning, he asked me to wire money to Coinbase and transferred to XXXX XXXX. 
So, I was uncomfortable a bit in the beginning, and he told me to begin with small amount of money. So, he showed me how the money can increase. 
So, he asked me for more money to input because this is a lot better than working, so, I was deceived and did. 
Later, he asked me to get a loan to make better profit. From that time on, it looks very suspicious. and I asked him to help me withdraw money since I need it for my family emergency. From that time on, he said I need to pay the taxes since my profit is more than 100 % of the principal, but it was not true. 
This was just a tactic that he can ask more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NV

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
1. False Statement About Move-Out Notice o The company claims I gave written notice of moving almost two years later, which is false. 
o I never provided a written letter of move-out. I vacated the apartment in XX/XX/XXXXXXXX  due to harassment by an employee ( who has since been fired for harassing tenants ). 
2. Another Family Occupied the Apartment o By XXXX XXXX, another family was already living in the same unit. 
o The claim that I remained responsible into XXXX is false and exaggerated. 
o If the company insists otherwise, they must produce the alleged move-out letter they claim exists and explain why another family was allowed to lease and occupy the unit while charging me. 
3. Incorrect Balance & Double Collection Issue o The balance of {$50000.00} is inflated and inaccurate.

o Since another family was paying rent from late XXXX  onward, XXXX and/or XXXX XXXX XXXX are attempting double collection charging two different parties for the same apartment. 
o This constitutes unjust enrichment and a misrepresentation of the amount of debt owed, which violates FDCPA 1692e ( false or misleading representations ) and 1692f ( unfair practices ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
Equifax has knowingly and willfully published an unauthorized hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/year> on my Equifax consumer report. I never gave written authorization to XXXX XXXX XXXX XXXX to pull my credit, nor do I have any existing or pending credit relationship with them that would justify such an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On XX/XX/scrub>XXXX I spoke with XXXX XXXX, Compliance Analyst at Credit Acceptance, regarding my complaint. 

During the call, XXXX XXXX refused to provide me with a direct contact number or extension. She instructed me to call the general compliance line ( XXXX ) instead. 

This is concerning because : It prevents me from reliably following up with the person assigned to my case. 

It creates unnecessary delays and makes it difficult to confirm who is responsible for resolving my complaint. 

It appears Credit Acceptance is intentionally limiting my access to my assigned compliance contact.

For the record, I have emailed XXXX XXXX directly to confirm that she is my assigned contact and to request the best way to reach her. I will update this complaint with her response. 

I am requesting CFPB oversight to ensure that Credit Acceptance communicates with me transparently and provides a clear, accountable point of contact for resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX XXXX TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-09-05 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: OH

Complaint narrative:
US bank is refusing to remove the monthly pmi insurance on my mortgage. They have been sending me letting which started on XX/XX/XXXX stating that I could have the pmi removed if I pay them XXXX for a appraisal. I told them that my house has doubled in value, it has been appraised at XXXX I bought the house in XXXX for XXXX, the current balance is XXXX. I would like to know if this is legal? I ask them if I could pay another company to appraise my property because it make no sense to pay them to appraise my house it is like I am still paying the pmi in XXXX bulk. 

Please inform me of my legal rights as a consumer. 


Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I state that the late payment notations on my accounts are inaccurate and constitute a violation of 15 USC 1666. I have consistently made my payments on time, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-09-05 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief