vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate/Unfair Late Payment Reporting XXXX Account XXXX Whom It May Concern, I am writing to formally dispute a late payment being reported on my XXXX account for XX/XX/XXXX. I have always maintained my account in good standing and, until this reported incident, I had never missed a payment. The XX/XX/XXXX late mark does not reflect my creditworthiness, nor does it align with the purpose of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( FACTA, 15 U.S.C. 1681c-2 ), which ensure accuracy, fairness, and the prevention of misleading information in consumer credit reports. This reported late occurred during an extraordinary personal eventthe birth of my first child in XX/XX/XXXX. Due to this life-changing moment, I unintentionally missed my payment. This was an isolated oversight, not a pattern of delinquency. My record before and after this incident clearly demonstrates consistent, timely payments and responsible account management. Pursuant to FCRA XXXX, I am requesting a reinvestigation of this late payment, as it is misleading and does not accurately portray my true payment history. Additionally, under FACTA, I have the right to request the removal or blocking of information that is not an accurate reflection of my identity or consumer reliability. Given my longstanding positive payment history, this isolated circumstance, and the federal protections afforded to me, I respectfully request a courtesy removal of the XX/XX/XXXX late payment from my credit report. This correction will ensure that my file accurately reflects my financial responsibility. Please confirm in writing that this late payment has been deleted from my credit reports across all three bureaus. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AZ

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate/Unfair Late Payment Reporting XXXX Account XXXX Whom It May Concern, I am writing to formally dispute a late payment being reported on my XXXX account for XX/XX/XXXX. I have always maintained my account in good standing and, until this reported incident, I had never missed a payment. The XX/XX/XXXX late mark does not reflect my creditworthiness, nor does it align with the purpose of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( FACTA, 15 U.S.C. 1681c-2 ), which ensure accuracy, fairness, and the prevention of misleading information in consumer credit reports. This reported late occurred during an extraordinary personal eventthe birth of my first child in XX/XX/XXXX. Due to this life-changing moment, I unintentionally missed my payment. This was an isolated oversight, not a pattern of delinquency. My record before and after this incident clearly demonstrates consistent, timely payments and responsible account management. Pursuant to FCRA XXXX, I am requesting a reinvestigation of this late payment, as it is misleading and does not accurately portray my true payment history. Additionally, under FACTA, I have the right to request the removal or blocking of information that is not an accurate reflection of my identity or consumer reliability. Given my longstanding positive payment history, this isolated circumstance, and the federal protections afforded to me, I respectfully request a courtesy removal of the XX/XX/XXXX late payment from my credit report. This correction will ensure that my file accurately reflects my financial responsibility. Please confirm in writing that this late payment has been deleted from my credit reports across all three bureaus. Thank you for your prompt attention to this matter. Sincerely, 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XX/XX/year> Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Unlawful Reinsertion of Fraudulent Account ( XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am formally disputing the unlawful reinsertion of a XXXX XXXX XXXX XXXX account on my Equifax credit report. This account had already been previously investigated, deemed fraudulent, and deleted due to my being a confirmed victim of identity theft tied to both the XXXX XXXX XXXX XXXX and the Equifax Data Breach. I submitted an FTC Identity Theft Affidavit, along with proof of my identity, to confirm that this account does not belong to me. Yet, despite prior deletion, this account has been reinserted in direct violation of federal law. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prohibits the reinsertion of previously deleted information unless the furnisher certifies its accuracy and the bureau provides written notice of reinsertion within 5 business days. I received no such certification or notice. 15 U.S.C. 1681c-2 ( FACTA Identity Theft Protections ) requires that information resulting from identity theft be permanently blocked from appearing on a consumers credit report once appropriate proof is provided. 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain the maximum possible accuracy of consumer files. Allowing fraudulent, previously deleted accounts to reappear directly violates this duty. This reinsertion has caused me unnecessary harm and is a clear violation of FCRA and FACTA consumer protections. Therefore, I demand that : The XXXX XXXX XXXX XXXX account be permanently deleted from my Equifax credit report. Written confirmation of this deletion be provided to me. A full investigation be conducted into why this unlawful reinsertion occurred, with corrective actions taken to prevent recurrence. If Equifax fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for enforcement action. Please treat this letter as a formal request under my rights provided by the FCRA and FACTA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
Requests for PMI deletion and a new escrow analysis, sent the legal letter in XXXX, heard from no one, called and they said they " forgot '' my home valuation is under 50 % yet they attached a PMI payment of over $ XXXX monthly, doubled my payment, they tried to tell me this was correct, it isn't. I have my own homeowner insurance, they're trying to charge $ XXXX yearly for PMI, they acknowledged this was wrong yet still will not fix it. Now I'm receiving delinquency notices, they applied my payment towards the PMI and I can't seem to get anywhere, they're saying things along the line of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XX/XX/XXXX Last Four Digits of SSN : XXXX [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Re : Identity Theft Blocking Request Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request that you block and remove information from my credit file that resulted from identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. The fraudulent accounts and inquiries are listed below : Negative Account XXXX Account closed XX/XX/XXXXXXXX ; highest balance {$170.00} ; derogatory payment history. Unauthorized Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items were not authorized by me and are the result of identity theft. Enclosed are copies of my government-issued ID, proof of address, and my FTC Identity Theft Report. Under federal law, once you receive this request and documentation, you must block these items within four business days and notify the furnishers. Please send me written confirmation once completed. If you decide any item should not be blocked, please provide the specific reason and furnisher details. Thank you for your prompt attention. Sincerely, XXXX XXXX [ Your Signature ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XX/XX/XXXX Last Four Digits of SSN : XXXX [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Re : Identity Theft Blocking Request Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request that you block and remove information from my credit file that resulted from identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. The fraudulent accounts and inquiries are listed below : Negative Account POSSIBLEFINA Account closed XX/XX/XXXX ; highest balance {$170.00} ; derogatory payment history. Unauthorized Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items were not authorized by me and are the result of identity theft. Enclosed are copies of my government-issued ID, proof of address, and my FTC Identity Theft Report. Under federal law, once you receive this request and documentation, you must block these items within four business days and notify the furnishers. Please send me written confirmation once completed. If you decide any item should not be blocked, please provide the specific reason and furnisher details. Thank you for your prompt attention. Sincerely, XXXX XXXX [ Your Signature ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: GA

Complaint narrative:
Mohela I am filing a formal complaint regarding my student loan. My student loan history dates back to XXXX. These loans were consolidated into XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the XXXX year XXXX XXXX month ) forgiveness rule for XXXX XXXX XXXX my balance should have been discharged approximately XXXX. Recently a Mohela representative reviewed my records and expressed profound shock that these loans were still active. Mohela currently processing XXXX adjustment but this does not address the following : XXXX. My loans have remained in repayment for XXXX years beyond their legal discharge date. XXXX yrs of student loan burden but XXXX of which were due to a failure in tracking. The Mohela representative flagged this as an administrative error that was never corrected. Due to the XXXX year or XXXX yr mark for discharge shouldve been met in XXXX predating any subsequent XXXX enrollment. Requesting : ESCALATION/ EXPEDITE DISCHARGE. I am not a new borrower. This matter involves XXXX year timeline. Ive persisted through multiple servicers. Im in forbearance which is a temporary fix for a permanent administrative error. To move beyond simple forbearance to full discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal closed my credit card account on XX/XX/year>. I have continued making payments on the remaining balance. On XX/XX/year>, I sent a certified billing error notice disputing post-closure interest charges. Navy Federal received the letter on XX/XX/year>. Despite receipt of this notice, Navy Federal has : - Continued adding interest to the disputed balance ; - Failed to provide a substantive investigation response as required under 12 C.F.R. 1026.13 ; - Continued reporting the inflated balance to consumer reporting agencies ; and - Failed to ensure accurate credit reporting during an active billing dispute. My dispute concerns post-closure interest charges that materially inflate the reported balance and significantly impact my revolving utilization and credit score. Rather than conduct and document a proper investigation, Navy Federal has issued boilerplate responses stating that interest will continue to accrue, without addressing the procedural requirements triggered by a billing-error notice. Under Regulation Z and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), a furnisher must conduct a reasonable investigation and report accurate information, including the disputed status of an account. Continuing to report a balance that includes disputed charges, without resolving the dispute or properly investigating it, constitutes ongoing reporting of potentially inaccurate information. This is not a contractual disagreement about whether interest may accrue. This is a compliance issue regarding : - Failure to properly investigate a billing error notice ; - Continued assessment of disputed finance charges ; - Ongoing reporting of an inflated balance ; Credit reporting during an unresolved dispute Navy Federals responses to date demonstrate dismissal of procedural requirements and reliance on generic contractual language rather than compliance review. The violations are ongoing, and the continued balance inflation has materially harmed my credit profile and ability to obtain financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Refused to stop reporting on my credit for a account that was charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I just recently filed a complaint on this company for lying about not receiving my XXXX state return and just applied it to my balance this year of XXXX. I just received a notice that they are taking my XXXX state refund after they just stated that my balance was PAID IN FULL and I no longer owed them anything. Why do I still have a balance of XXXX if I no longer owed y'all?. Why are y'all still trying to steal my money. But this exactly why I'm taking this company to court. Over overpaid them and they still trying to take. I was told by a worker at credit acceptance they rvo law owed me {$110.00} from my most recent state refund they took.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I filed a complaint ( XXXX ) and was told that to remedy the situation I would be sent a {$250.00} check. The check was printed by a company and mailed XXXX. The XXXX package shipped, but when it got to XXXXXXXX XXXX on XX/XX/XXXX, it stopped moving. I reached out to XXXX and was told they had lost the package and to reach out to the shipper. I reached out to the company that printed the check XXXX XXXX XXXX XXXX XXXX XXXX ) and they said they would reach out to American Express for me. I havent heard anything back a month later. XXXX lost the check, so I never received the payment I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Consumer Portfolio Services , Inc. ( CPS ) for continued reporting of inaccurate, inconsistent, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, XXXX received my written request for verification of a repossession and related deficiency balance being reported on my credit file. I requested documentation including : Date of repossession Copies of all required pre- and post-sale notices Auction/sale documentation Deficiency balance calculation Date of first delinquency Complete payment history CPS failed to provide any substantive response within the required timeframe. On XX/XX/XXXX, I issued a formal Notice of Noncompliance advising CPS that its failure to verify rendered the account legally unverifiable. CPS again failed to provide documentation. Instead of responding with verification, CPS issued a settlement offer dated XX/XX/XXXX. Following my disputes and written notices, CPS updated and/or reopened the tradeline and continued derogatory reporting. The account is being reported inconsistently across consumer reporting agencies : Experian reflects the account as closed. TransUnion reflects the account as reopened and actively derogatory. Equifax now reports as closed with 100 % payments left to be made. This inconsistent lifecycle reporting indicates a failure to ensure maximum possible accuracy as required under FCRA 623 ( a ) ( 1 ) ( A ). Additionally, the tradeline reflects updated activity and reopened status during an active reinvestigation window. The reporting of renewed account activity after charge-off raises concerns of improper re-aging and artificial extension of derogatory impact. The continued publication of updated derogatory information after failure to verify the repossession has caused ongoing suppression of my credit score and credit profile. Reporting an account as reopened and actively derogatory materially affects scoring models, debt-to-income interpretation, and credit risk categorization. Despite direct written notice and dispute history, CPS has not produced documentation substantiating : Lawful repossession procedures Deficiency calculation accuracy Date of first delinquency Basis for reopened account status Method of verification used in response to bureau reinvestigations This conduct reflects : Failure to conduct a reasonable investigation Continued reporting of disputed information without verification Inconsistent reporting across bureaus Potential improper re-aging Ongoing credit score suppression through inaccurate lifecycle reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I discovered employee for multiple banks ( Chase bank and XXXX XXXX XXXX ) were actively helping and XXXX firm and individuals in my company commit serious federal bank crimes to launder money. When I reach out to both of these banks and gave them the names of bank employees helping commit these crimes these banks retaliated by closing my accounts and falsely suing me. Bc of this I lost my XXXX business and everything I have ever owned. When I first spoke to them I asked for thier help and informed them I didnt want to sue them I just wanted them to help me file a police report. I provided multiple documents proving bank fraud, wire fraud, mortgage fraud, credit card fraud, defrauding the irs and ultimately the involvement of their own bank employees stealing from me personally. Instead of helping me they did everything they could to hide all these crimes including lying to my local police department saying I didnt know what I was talking about and that there never were any crimes. I have hired a XXXX XXXX XXXX and have proven they more that XXXX dollars were laundered with the help of bank employees and multiple XXXX firms. I wan these people arrested and for someone to investigate this. The police tells me these crimes are to big for them to investigate and that the feds should do so. I just have the move to do all this in my own and am doing my best to help the government bring these people to justice. I am not the only XXXX they have stolen from and they most certainly are a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
It has been since 2019 on going with Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
was denied for not being able to verify identity on credit they said they cant see the denial and cant approve my identity is easy to verify

Company response to consumer: Closed with explanation