vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
My payment plan was unfairly cancelled. A NSF did in fact occur because of an error on my part because I had AMPLE enough time to rectify the situation by making the payment again because I was within my grace period. When I went to RESUBMIT the payment I was advised by Midland Mortgage I actual made an OVER PAYMENT. I was advised that the plan was in good standing and my payment which I was PREPARED to make was not needed. I was told that my plan WOULD NOT be cancelled and in the case that it was The company would refer to the tape. A Midland Mortgage representative on XX/XX/XXXX process the payment when it couldve been a full payment I was advised by the representative that the payment that I was making was more than enough. I did not send in a payment. I made a payment through Midland Mortgage before my payment plan was canceled. The representative who processed my payment gave me the amount Which was not the original monthly amount because I was advised an overpayment took place. I recently requested and received a payment history and there are several discrepancies specifically money that I paid directly to the company thats not listed as received. Im concerned about that because Ive paid more money than the mortgage company is confirming. there are several payments missing INCLUDING a CERTIFIED BANKERS CHECK for XXXX which was sent XXXX. I WOULD LIKE For Midland Mortgage to put in writing all of the money that they have received from me and how many months am I behind. Id like an accurate again. I repeat an accurate written account of every payment received within the last seven months this should be in writing. There is money that Ive paid the company thats not listed on the report that is attached and this is concerning as to date. I have been advised that I am two months behind. I have paid more money thats listed on this form. There ARE FUNDS THAT have been paid to Midland Mortgage that I have not been given credit for. I am NOT three months behind.

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 2025-12-09 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX, I scheduled a XXXX payment for {$2000.00} and a Wire Transfer for {$13000.00} to a XXXX vendor to pay a valid business bill. The funds in this account originated from a verified check deposit from my previous business account at XXXX XXXX. 
On the following Monday morning, I lost access to online banking. I visited a local branch immediately and was informed the account was under fraud investigation, but the representative could not provide further details. 
Later that afternoon, I received notifications that the XXXX payment and XXXX XXXX were canceled and my account subscriptions were deleted. When I called the bank for an update, they refused to provide any information regarding the status of the account or when my funds would be released. 
The bank deny to provide any written information or case number to track 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 monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Co LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: OR

Complaint narrative:
I have explained in a dispute that I had no knowledge of this account and requested proof have not received anything except for my credit being damaged and harassing phone calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to emphasize that this complaint is valid and requires immediate attention. My credit report contains inaccuracies that do not reflect the highest standard of accuracy, and these errors are having a significant negative impact on me. This situation has created undue hardship, and it is essential that these issues are addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AR

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  & 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
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: AR

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 Experian, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year> I went to court because I was being sued by a third-party which was called portfolio recovery Associates the XXXX XXXX XXXX XXXX XXXX and I went to mediation and the settlement agreement in order was set for me to start paying on XX/XX/XXXX of XXXX {$35.00} a month but ever since I went to court I have been getting phone calls from their company and they are being harassing I keep telling them to stop calling because I went to court and I have a payment plan set up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am disputing the late payment notations ( 90 and 120 days late ) that were added to my Dept. of Education student loan account serviced by Aidvantage for XXXX, XXXX, and XX/XX/year>. 

These lates were reported during a documented deferment period. The servicer 's own records state the account was in a deferred or hardship status from XXXX through XX/XX/year>, and yet they marked the account as 90120 days delinquent during this window. This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate and complete reporting.

Additionally, this same account was already the subject of a CFPB complaint in XX/XX/year>. Aidvantage removed the derogatory information at that time, acknowledging the reporting was improper. However, they re-reported the delinquencies again in the fall without notifying me, which violates FCRA 611 and is extremely harmful to my credit. 

The account now reflects " OK '' status again in XX/XX/year>, suggesting that I am back on a payment plan or current. Therefore, the 90120 day lates reported between XXXX and XX/XX/year> are not only inaccurate, but also misleading and contradictory to the overall account status. 

I am requesting that the CFPB require Aidvantage to : Remove the XXXX, XXXX, and XX/XX/year> XXXX Restore the account history to a positive Current / Pays As Agreed status Prevent any future re-reporting of the same delinquencies Thank you for your help resolving this matter quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-10 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
An accumulation of interest added to loan account back in XX/XX/25 and not back in payment until XX/XX/25. The lumo sum made it appear as I had been missing payments secondary to almost {$10000.00} increase. My credit score dropped XXXX points. Also I was told that my new income driven application was not accepted over 4 months after submitting it when previously told accepted but never given payment amount for XXXX  of income driven program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Inaccurate Delinquency Reporting / Rolling Delinquency Coding Error FCRA 623 ( a ) ( 1 ) & 623 ( a ) ( 2 ) Accuracy Violation My name is XXXX XXXX, I am submitting this complaint because Ally Financial is reporting incorrectly seven months of late payments on my personal credit file that did not actually occur. The reporting is inaccurate, misleading, and harmful.

I was only two months behind not seven. 

The XXXX report ( attached ) shows late marks for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This sequence ( 30 60 60 60 90 90 30 ) reflects a rolling delinquency coding error, not real missed payments.

I contacted Ally, and they acknowledged that one month was dragging in their system. They admitted the late month continued to follow the account month after month instead of being corrected.

The true delinquency was only 2 months in XXXX. 

I corrected those two missed payments, paid what I owed, and my loan was reinstated. I continued making regular payments. I was never 6 or 7 months behind, and Ally never initiated repossession or loan acceleration. A true 7-month delinquency is impossible in an active, reinstated auto loan. 

Ally failed to update XXXX codes after reinstatement. 
After two missed payments, Ally reinstated the loan. At that point, they were required to : Reset the past-due bucket Update the delinquency code Correct the Days Past Due Re-age the account according to XXXX Ensure accurate reporting to the credit bureaus They did not do this.

As a result, the same unresolved past-due month was pushed forward every 30 days, creating seven false late-payment months.

This is a furnisher error rolling delinquency.

The inaccurate reporting has caused severe harm : Significant credit score damage Incorrect 60- and 90-day delinquency marks Denied credit opportunities Misrepresentation of my payment history Ongoing derogatory impact every month Stress and administrative burden This reporting does not match the real loan behavior : The account was reinstated Payments were accepted No repossession notices No charge-off No acceleration No default letters A consumer can not be 7 months late on an auto loan and still have an open, active account in good standing. This proves the reporting is inaccurate.

Company response to consumer: Closed with explanation