vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TX

Complaint narrative:
I am submitting a complaint because MOHELA inaccurately reported XXXX months of delinquency on my credit report, even though I submitted a {$0.00} administrative forbearance request at the start of XX/XX/XXXX. The forbearance request was never processed by MOHELA, which caused my account to be incorrectly reported as XXXX, XXXX, XXXX, and XXXX  days past due for XXXX through XX/XX/XXXX. These late payments were not the result of borrower negligence. They were caused by MOHELAs failure to process my timely request. 

I submitted the forbearance request during a period of severe personal hardship. From early XXXX through XX/XX/XXXX, I was providing full-time care for my dog who was diagnosed with XXXX  XXXX. This required round-the-clock monitoring, emergency visits, and daily medical care. I became severely sleep-deprived and ultimately had to withdraw from school for XXXX semesters. This was the reason I requested a {$0.00} forbearance in early XX/XX/XXXX. 

Because the forbearance was not processed, MOHELA later reported XXXX months of delinquency to the nationwide consumer reporting agencies. This is inaccurate. Under the XXXX XXXX XXXX, FCRA 15 U.S.C. 1681s-2 ( a ), and the XXXX XXXX XXXX XXXX XXXX XXXX servicers are required to report accurate information and to apply deferments or forbearances retroactively when the borrower submitted a timely request. When a servicer fails to process a deferment/forbearance, they must correct credit reporting and remove any delinquency caused by their processing delay. 

I submitted a detailed correction request to MOHELA, including my hardship explanation, and they denied the adjustment. I am requesting the CFPBs assistance in having MOHELA : XXXX. Apply a retroactive administrative forbearance effective XX/XX/XXXX ( when the original request was submitted ). 

XXXX. Remove the inaccurate delinquency reporting for XXXX XXXX. 

XXXX. XXXX corrected information to XXXX, XXXX, and XXXX. 

I am asking for MOHELA to correct this inaccurate reporting in accordance with federal regulations and their credit reporting responsibilities. The negative marks on my credit report are entirely due to MOHELAs failure to process my timely forbearance request. These late payments should not be on my credit history.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting a dispute regarding certain items on my TransUnion credit report that I believe are inaccurate or unverifiable. I request verification and correction/removal of the following accounts : Charged Off Accounts in Dispute : XXXX XXXX Account XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  Account XXXX XXXX XX/XX/XXXX, {$1300.00} XXXX XXXX  Account XXXX XXXX XXXX {$1600.00} XXXX  Account XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX Account XXXX XXXX XXXX XXXX$3000.00} XXXX  Account XXXX  XXXX, XX/XX/XXXX, {$310.00} XXXX  Account XXXX XXXX XX/XX/XXXX, {$5100.00} XXXX  XXXX Account XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX Account XXXX XXXXXXXX XXXX XX/XX/XXXX, {$0.00} Late Payments in Dispute : XXXX XXXX  Account XXXX XXXX XXXX  Account XXXX XXXX Please investigate and correct any inaccurate information in accordance with the Fair Credit Reporting Act.

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 2025-11-25 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear XXXX  XXXX  / Portfolio Recovery : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am requesting Experian to conduct an investigation and remove any information that can not be fully verified. Some items below appear incomplete, inaccurate, or outdated, and I want them corrected. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} INQUIRIES ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PAYMENTS ( XXXX  ) XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within XXXX ( XXXX ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX - XXXX, XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over XXXX  days, confirming that this account can not be validated. 
However, TRANSUNION continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 2025-11-25 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I had called American credit acceptance to let them know that I might be paying off my truck soon because I was selling it. I asked them for a payoff quote. The next day I get an email saying if I dont pay off my truck it will go into repossession status. I called them and they tell me that the customer rep made a payment arrangement for me to pay off the entire truck even though I did not ask for it. All I wanted was a payoff quote. They are now refusing to let me continue paying like normal and I have to pay off the full truck on a payment arrangement I didnt agree to or else my truck gets repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, an unauthorized transaction totaling {$10000.00} was made on my Bank of America account. I reported the fraud to Bank of America on XX/XX/XXXX During that call, the representative told me I would receive an immediate provisional credit. 

No credit was issued. 

I called again on XX/XX/XXXX and was told the claim was escalated and that the credit should be posted by the next day. On my most recent call on XX/XX/XXXX, I was told the credit may not be posted until XX/XX/XXXX. 

These delays and conflicting statements have left me without access to my money and have caused financial hardship. I have completed every action requested by Bank of America, and the claim is still unresolved. I am requesting CFPB assistance to review XXXX XXXX XXXXXXXX handling of this fraud claim and the failure to provide the promised provisional credit.

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 2025-11-25 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: NV

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RELIANCE FIRST CAPITAL LLC
State: MD

Complaint narrative:
As of XX/XX/year>, I have contacted this company many occasions to ask then to stop calling me and every time they have stated that it was done. Every XXXX  days I have to delete over XXXX messages because they are calling and not leaving a message but holding on long enough to be logged as a voicemail. The calls start as early as XXXX until XXXX. They are clogging up my voicemail so that legit people are unable to leave a voicemail. I want this to stop now. 
On XX/XX/year> I checked my voicemail and there were XXXX voicemails from the number XXXX reliance first capital. The voicemails were blank no message. I have been on hold with the company for XXXX waiting for someone to answer the phone. No one came to the phone so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a school issued refund check into my Chase Bank account on XX/XX/year> using XXXX XXXX. XXXX placed a XXXXday hold on the check of {$3800.00}, with funds not releasing until XX/XX/XXXX. 

I am a XXXX veteran and the primary caretaker of a newborn baby. This long hold is causing severe financial hardship and preventing me from covering essential expenses. 

I asked Chase for a partial release, which is normally allowed under XXXX XXXX, but they refused. They did not provide a valid reason for such an extended hold on a legitimate school issued check, even after I offered documentation proving its source. 

I am requesting assistance because Chase is applying an unreasonable hold and refusing to consider hardship or partial availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX VA ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
This is a notice of Dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( XXXX ) ( D ) .By law these companies are required to notify me prior to, or no later than XXXX  days after furnishing negative information to the consumer reporting agencies, in writing ... that such furnishing of information was going to take place. This notification is required under the FCRA, section 623 subsection ( 7 ) ( A ). The companies in this complaint have not complied with the FCRA law, I have no records of any notice. They are all indirect violation of my consumer rights and securities fraud for the monetizing all the accounts listed.Assignment of all debt obligation to the XXXX of XXXX of the Treasury ( XXXX XXXX XXXX ). 18 USC 8, XXXX  XXXX XXXX ( XXXX ) 31 USC 3729 ; 15 USC 1601 ; 15 USC 1692. I HAVE SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief