vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
Dispute results were issue XX/XX/year> for file number XXXX. The results are purposefully ignoring lawful requirements of verifying information and ensuring maximum possible accuracy. 

The bankruptcy court does not verify or validate any information. This is documented on public record in a written letter from the court stating so. I have included the letter in previous disputes challenging the ability to verify the public record. The courts don't share information or report information with any credit reporting companies. The original furnisher is saying they don't verify or validate, then how can any third-party who is not the court or a party involved in the transaction, verify or validate anything as accurate? 

The public record also includes incomplete, inaccurate, or unverifiable information. These violations are highlighted with descriptions in the investigation results that were returned to me. At least XXXX things are wrong with the item. They are circle with notes on why they are violations. 

I have requested the ACDV or Automated Credit Dispute Verification form with the re-investigation results to document what information they are receiving. Since the court is listed as the alleged furnisher in the results by XXXX  providing their contact information as the furnisher in the investigation results, I would like to see written proof documented by the ACDV received from the bankruptcy court and not a third-party data aggregator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I had an account in collections for {$440.00} and I paid it down to {$200.00}. However, I was still having a hard time and the collection agency ( Midland Credit Management or MCM ) made an agreement to settle the account for {$180.00} on XX/XX/year> in exchange for removal of debt on my credit report. I paid the {$180.00} and the debt was never removed from my credit report. I went back to the collections account website and it said I had a balance of {$20.00}. That was not the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 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 non-monetary relief
Consumer complaint received 2025-07-06 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: MI

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 non-monetary relief
Consumer complaint received 2025-07-06 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
Mohela has sent 2 letters stating the repayment date for Loan # 3 was to start repayment on XX/XX/XXXX, with 120 payments a month at {$340.00}. I gave Mohela information back in late XXXX and early XX/XX/XXXX, about how I had 2 loans forgiven under PSLF I also submitted the documents to them in XX/XX/XXXX, and I just did it again recently after noticing I had these 2 documents stating about repayment. I also called customer services only t.o be met with the rudeness, disrespectful attitude, not being knowledgable about the process or how to find out why I recieved these notices, couldn't explain why Mohela website shows a XXXX balance for both loans issue on XX/XX/XXXX but only issue one letter for the smaller loan being discharge through PSLF and then hung up on me. 

I am going to attach all the information that I have received from Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a goodwill request to CBNA/Home Depot asking for the removal of a closed account from my credit report. This account had been fully paid and maintained with perfect payment history. However, the account was closed by the company without my request, prior notice, or any explanation. 

I did not initially dispute the accuracy, but after receiving no response or justification, I now believe this closure was unfair and unjustified. I fulfilled all my financial obligations responsibly and was never informed of any reason for closing the account. 

This action negatively impacted my credit score and undermines my creditworthiness, despite my responsible behavior. I respectfully request CFPB to investigate this matter and to urge the company to provide a valid explanation or to remove the closed account from my credit reports.

I no longer have access to the full card number, but the last 4 digits are XXXX as shown in my credit report and the correspondence from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TN

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 non-monetary relief
Consumer complaint received 2025-07-06 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
Many loans through Mohela for some reason unknown to me or them loans are in default also deferred and also being paid. Person said its accounting error called multiple times not getting fixed they acknowledged its on them. Now getting threating default letters. Some accounting issue on Mohela they will not fix despite multiple calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I opened a XXXX XXXX XXXX card account. Which is associated with XXXX. They sent me checks. Paper checks. XXXX uses Telecheck, which denied my check due to bad checks on me 20 years ago. She would not tell me how to fix this until I could verify the bad checks bank accounts numbers. 2 different banks!

I informed her Im now divorced and had identity theft issue back then and am not liable. She would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MA

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 2025-07-06 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: NJ

Complaint narrative:
Im writing to file a complaint regarding a XXXX account that is still being reported inaccurately on my Equifax credit report. 

The account in question shows a {$0.00} balance and has been closedeither marked as " Paid '' or " Closed at consumers request '' across all three credit bureaus. However, Equifax continues to report it with negative payment status, including 120 Days Late, even though the account is no longer active and has no outstanding balance. 

Ive already attempted to resolve this directly with Equifax, but the negative remarks remain, despite the fact that the account has been closed for some time and shows no past due amount. This inaccurate reporting is affecting my credit profile, and I believe it violates the Fair Credit Reporting Acts requirement to maintain accurate and fair credit information. 

I respectfully request your help in reviewing this matter and ensuring that Equifax updates or removes this inaccurate information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
My Account is with XXXX, Its an online banking institution. I had changed my phone carrier and I needed to update my account with my new number and they require 2 forms of identification to verify. I have uploaded to them my Birth Certificate, Drivers License, SSN Card and a 1040 W2. Each time I upload any of these they tell me its out of focus and cant be verified and I will have to upload them again and must wait 2 business days before I can be told if these have been approved or denied. I have done this 5 times and still get the same story and now I am unable to make my mortgage payment. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
Description of the late payment reported by XXXX XXXX XXXX / XXXX On my credit reports from XXXX XXXX  and TransUnion, there is an entry marking a late payment for my account with XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. However : Violation of the FCRA : By reporting inaccurate negative information, XXXX XXXX XXXX / XXXX is v

iolating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information. This incorrect report is unfairly damaging my credit score and finan cial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX XXXX XXXX XXXX XXXX 's compliance with federal consumer protection 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 2025-07-06 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: NJ

Complaint narrative:
Description of the late payment reported by XXXX XXXX XXXX / XXXX On my credit reports from Equifax, XXXX XXXX XXXX, there is an entry marking a late payment for my account with XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. However : Violation of the FCRA : By reporting inaccurate negative information, XXXX XXXX XXXX / XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information.

This incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX XXXX XXXX XXXX XXXX 's compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
Original mortgage company sold loan. Autopayment was on previous mortgage company but didn't transfer. Paid up to date the next month when I realized. I asked the current mortgage company to fix but they said no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: LA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of all inaccurate, fraudulent, or unauthorized negative items appearing on my credit reports with Equifax, Experian, and TransUnion. I am a documented victim of the Equifax data breach that occurred in 2017, which resulted in the exposure of my sensitive personal information. Since then, I have experienced multiple unauthorized and damaging actions on my credit file.

Company response to consumer: Closed with non-monetary relief