vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I have been employed by the government since XXXX and have been making student loan payments throughout that time. On XX/XX/XXXX, while on an XXXX plan, I made a lump-sum payment of {$8300.00}. Under XXXX prepayment rules, this payment should qualify for up to XXXX or more months of XXXX credit depending on my next recertification date. 

MOHELA did not apply the payment correctly. I requested a manual payment reallocation audit and asked for written confirmation of how the payment was applied, but MOHELA never responded. 

I also requested a full review of my PSLF payment history because I believe I am missing eligible months of credit. Some of my past payments were not counted because my loans showed an in-school status even though I was employed full-time in public service. MOHELA did not explain or correct these issues. 

These errors delay my progress toward PSLF and leave my account history inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The servicer, Mr. Cooper ( Nationstar ), engaged in a series of servicing errors, beginning with escrow mismanagement and culminating in the inaccurate reporting of my mortgage, XXXXXXXX XXXX XXXXXXXX, to the credit bureaus. This critical error is preventing me from closing on a time-sensitive real estate purchase. 

The full timeline and errors are as follows : Escrow Mismanagement : In late XXXX XXXX, the servicer made multiple large, unwarranted escrow advances and adjustments without proper notice, which severely increased my required payment and created the financial hardship requiring assistance. 

Advised Delinquency : I was then explicitly told by the servicer to miss my XXXX and XX/XX/XXXX payments to qualify for a hardship review/forbearance. These XXXX months should represent the maximum delinquency allowed. 

Wrongful Delinquency Advancement and Misapplication of Funds : From XX/XX/XXXX onward, the loan was under an approved loss mitigation review, meaning no regular payment was due. Despite this status, and despite multiple good-faith partial payments and payments made during the process, the servicer improperly held these funds in suspense, failed to apply them correctly, and allowed the delinquency to advance. 

Inaccurate Credit Reporting : This servicing failure resulted in my credit report showing severe delinquency ( e.g., XXXX, XXXX, XXXX, and XXXX days late ) for the period after XX/XX/XXXX and through XX/XX/XXXX. This reporting is false because federal law prohibits advancing delinquency while a borrower is in an approved forbearance or trial plan. 

Current Status Confirmed : My loan was finalized with a Modification in XX/XX/XXXX, and all subsequent post-modification payments ( XX/XX/XXXX to present ) have been made on time, verifying my ability and commitment to pay. 

I sent a formal XXXX Notice of Error ( NOE ) on XX/XX/XXXX, detailing these specific violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I made a purchase with my Venmo debit card on XX/XX/XXXX for {$58.00} and never received the item. 
I filed a dispute with Venmo on XX/XX/XXXX, XXXX  months ago. Venmo told me the merchant had XXXX  days to respond and that if they did not respond, I would automatically be refunded. 

The merchant told me directly that they sent documentation to Venmo confirming that I did not receive the item. 

Despite this : Venmo has not refunded me Venmo has not contacted me My case has been open far beyond the XXXX investigation period Every Venmo agent tells me they will make a note and someone will reach out, but nobody ever does When I asked to file a formal complaint, the agent falsely told me that they dont have a link to file a complaint, then immediately closed my chat ( I have screenshots ) Venmo is violating XXXX XXXX by failing to resolve my dispute within required time limits and is obstructing my attempt to file a complaint. I am requesting that my dispute be immediately resolved and my funds refunded.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is not connected to me in any way, and it appears on my report in error.

Company response to consumer: Closed with non-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: Lend Smart Mortgage, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a XXXX.

Company response to consumer: Untimely response
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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute an inquiry that appears on my credit report issued by your bureau. The details of the inquiry are as follows : Inquiry Details : Creditor Name : XXXX  XXXX XXXX Inquiry Type : XXXX XXXX Date of Inquiry : XX/XX/year> I believe this inquiry may be inaccurate or unauthorized, and I kindly request that you verify the details of this inquiry in accordance with the Fair Credit Reporting Act ( FCRA ). If this inquiry can not be verified, I request that it be removed from my credit report immediately.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I paid my XXXX XXXX collection account through XXXX XXXX XXXX on XX/XX/year>, as shown in the attached XXXX  XXXX  payment screenshot. I also received an email from XXXX XXXX confirming that my account was resolved. 

Despite the account being fully paid and marked resolved, XXXX continued to update and report derogatory information on my credit reports for months after the payment date. My TransUnion file shows a Last Reported date of XX/XX/year>, which is more than XXXX months after the debt was paid. A paid and resolved collection account may not legally be updated in this way. 

Additionally, the extended payment history shows CO ( collection ) notations after XX/XX/year>, even though the account was already paid on XX/XX/year>. This is inaccurate, unlawful, and constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA ). 

XXXX also informed me that they no longer have access to the account because XXXX pulled it back, which means they can not verify or legally continue reporting the account. However, they still kept updating my credit file and caused XXXX separate negative reporting entries, which has harmed my credit. 

This is a violation of FCRA 607 ( b ), 623 ( a ) ( 1 ), and 623 ( a ) ( 5 ), which require accurate reporting and prohibit re-aging or continued reporting of a paid debt. 
Requested Resolution : I respectfully request the complete deletion of the XXXX XXXX XXXX collection account from all XXXX credit bureaus ( TransUnion, XXXX, and XXXX  ) due to inaccurate reporting, illegal post-payment updates, and failure to maintain maximum possible accuracy under the FCRA. 

Evidence Attached : XXXX  XXXX  payment to XXXX on XX/XX/year> XXXX XXXX email confirming the account is resolved Credit report showing Last Reported : XX/XX/year> Extended payment history showing CO  notations after XX/XX/year> Screenshot showing XXXX negative entries reported by 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This late payment on my account is inaccurate, given my consistent history of on-time payments. I request its removal and an update to my account to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MO

Complaint narrative:
In 2022, I stayed in XXXX XXXX for an XXXX XXXX. My brother knew a local landlord who owned multiple properties, and we agreed that I would stay in an apartment that was still under construction. Since the construction ran months behind schedule, I stayed in another one of his finished units temporarily until the renovation was completed. 

The construction on the intended apartment was never finished, no lease was ever signed, and no debt was ever owed. At no point was I informed of any outstanding balance or issue. I moved away from XXXX XXXX after my XXXX  ended and have not had any contact or communication about any alleged debt. 

Two years later, without warning, a collection account suddenly appeared on my credit report for a property in XXXX XXXX. This is entirely incorrect. I was never a tenant under a signed lease, never owed any amount, and the landlord never had my Social Security Number or any formal documentation that would permit reporting a debt in my name. This appears to be a mistaken assignment of debt or improper reporting.

I am requesting that the company provide full validation of this alleged debt, including the signed lease, the ledger, and any documentation tying the debt to me. Since none of these documents exist, I am asking that this incorrect collection account be removed from my credit reports.

Thank you for your assistance.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting a formal dispute regarding XXXX XXXX XXXX  account XXXX XXXX reporting on Equifax and Experian. This account is marked as Charge Off from XX/XX/XXXX to XX/XX/XXXX. I never opened this account, nor authorized anyone to use my personal information. This account clearly belongs to someone else with the same or similar name. 

The reporting by both Equifax and Experian is not only inaccurate but unverifiable. There is no legitimate proof linking me to this account. It is a classic case of a mixed file / wrong person error. Despite multiple disputes, neither bureau nor the furnisher has corrected or verified this account properly.

Under FCRA 1681e ( b ), credit reporting agencies must maintain maximum accuracy. Under FCRA 1681s-2 ( b ), furnishers are required to investigate and correct disputed information promptly. These statutory obligations have been blatantly ignored.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
After reviewing my credit reports, I found several negative accounts and a collection entry that are being reported inaccurately and without proper verification. Multiple creditors are reporting charge offs, late payments, or past-due balances, yet none have provided original documentation such as contracts, billing statements, payment histories, or proof of the date of first delinquency. Some accounts were reported as purchased by another lender, but no chain-of-title documentation was supplied to show legal ownership of the debt. Several of the negative entries also contain long sequences of repeated charge-off codes and inconsistent delinquency data, indicating that the information being furnished is incomplete or improperly maintained. I previously disputed these items, yet the credit bureaus marked them as verified without providing any supporting evidence, meaning a proper reinvestigation was not performed as required by the Fair Credit Reporting Act. These inaccurate and unvalidated entries continue to damage my credit profile and affect my ability to obtain 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 2025-12-09 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: CA

Complaint narrative:
The account being reported is not mine and should not appear in my file.

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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this dispute statement regarding inaccuracies present on my credit report as provided by the three credit bureaus. Below are the accounts I am disputing, along with the requested actions for correction : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
NATIONWIDE CAPITAL SER is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONWIDE CAPITAL SER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute several accounts that have been inaccurately reported on my credit report. Below are the details of the accounts in question, separated by bureau : Charged Off Accounts TransUnion ( TU ) XXXX XXXX  Account # XXXX, Opened : XX/XX/XXXX, Balance : {$98.00} XXXX, Account # XXXX, Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX, Account # XXXX, Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX, Account # XXXX, Opened : XX/XX/XXXX, Balance : {$480.00}

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
My name is XXXX XXXX and my money was stolen out of my chime account and I need my money back asap these thiefs and thugs stole my phone from the bar and transferred all of my money off my account I filled a police report and also account and still is waiting on chime to give me my money back almost XXXX is gone out my account and I need my money asap. I will be filling and pressing full charges on whoever stole my money on my account as it put me in financial debt. They stole money out of multiple accounts my chime account and also my personal bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this statement to provide a clear timeline and additional facts related to my complaint involving an auto loan serviced by Bridgecrest. 

My vehicle was repossessed on or around XX/XX/XXXX. I then worked to gather the required funds to recover the vehicle. On or around XX/XX/XXXX, I had a scheduled appointment to retrieve the vehicle from the repossession company, XXXX XXXX XXXX, acting on behalf of Bridgecrest. 

At the time of retrieval, the vehicle would not start or operate. This issue first occurred at the repossession facility on the date I was scheduled to pick up the vehicle. There were no known mechanical or starting issues prior to the repossession. 

Initially, XXXX XXXX XXXX offered to tow the vehicle to a designated location due to the vehicle not starting. However, this position later changed. XXXX XXXX XXXX  then informed Bridgecrest that I would be required to personally retrieve and remove the vehicle from the lot. I was further told that failure to do so could result in the vehicle being considered abandoned, despite the vehicle being non-operable. 

These contradictory instructions placed me in an unreasonable position, as the vehicle could not be driven, and responsibility for transport was unclear. I was ultimately left with a non-operable vehicle and conflicting statements between the lender and its agent regarding responsibility and next steps.

Despite these circumstances, Bridgecrest closed its investigation without resolution and later asserted that the vehicle may have been non-operable prior to repossession. No inspection report, condition report, tow documentation, or other evidence supporting this claim has been provided to me.

The vehicle was under the care and custody of Bridgecrest and its agent during repossession and storage. I am disputing responsibility for the vehicles current non-operable condition and respectfully request the CFPBs assistance to ensure a fair review of this matter. 

Additionally, XXXX XXXX XXXX  released the vehicle to me without requiring me to sign any paperwork, condition report, or release acknowledgment. I was not provided documentation stating the vehicle was operable, nor did I sign anything accepting the vehicle in its current condition I am requesting : Documentation supporting the claim that the vehicle was non-operable at pickup Copies of any condition or inspection reports from repossession or storage Authorization for a third-party mechanical inspection Review of the handling of transport instructions and abandonment threats Consideration for payment relief while this dispute remains unresolved Thank you for your assistance. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation