vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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: OH

Complaint narrative:
I identified a tradeline furnished by the Ohio Department of Human Services that is being reported on my consumer credit reports. I disputed the accuracy and completeness of this information and requested verification of the reported data. 

Despite this dispute, the tradeline continues to be reported without documentation demonstrating that the information furnished is accurate, complete, and verifiable. 

Additionally, the consumer reporting agencies Experian, Equifax, and TransUnion continue to report this information without evidence that a reasonable investigation was conducted. 

I am requesting that this matter be investigated and corrected in accordance with federal credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The reason for this, is to dispute an unauthorized inquiry on my credit report : XXXX XX/XX/year> To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.

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 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I have been under fraud from someone stealing my identity for 10+ years now someone has gotten utilities in my name & used them at their residence. This is not accurate for me & causes me issues for my future

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have been registered with a Bank of America credit card since XXXX enrolled with auto-pay. I pay my bill in full each month. In XX/XX/XXXX ( XX/XX/XXXX ), anticipating travel and not wanting to go over my credit limit, I made an early payment of {$1000.00}. When the month was complete, however, the auto-pay still went ahead and deducted the full amount of that month 's balance on XX/XX/XXXX, not taking into account the {$1000.00} payment I made before the deadline. ( I am attaching my XXXX statement and payment records that show that this payment was not taken into account. ) Essentially, because of the auto-pay error, Bank of America has taken {$1000.00} from me and refused to return them.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am reporting a repeated, illegal reinsertion of a Bridgecrest account on my TransUnion credit report, in violation of FCRA Section 611 ( a ) ( 5 ) ( B ). This account was ordered removed following my Attorney General complaint, but TransUnion has failed to maintain the deletion, allowing it to reappear multiple times. 
The pattern of violation is as follows : XX/XX/XXXX : The account was removed ; my score increased significantly. 
XX/XX/XXXX : The account was reinserted as a 'closed ' account ; my score dropped immediately. 
XX/XX/XXXX : After further action, the account was removed again, and my score jumped XXXX points. 
XX/XX/XXXX : Within XXXX hours, the account was reinserted yet again, causing a XXXXpoint drop. 
TransUnion has failed to provide the mandatory XXXX-day written Notice of Reinsertion for either of these instances. Furthermore, the fact that this has happened twice in XXXX months proves that XXXX is not maintaining 'reasonable procedures ' to prevent the reappearance of deleted information. I have attached screenshots of my score history from these specific dates as proof of this 'yo-yo ' reporting effecting my ability to get reliable transportation and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
This property management charged me for an apartment fee that I did not move into. When I saw how much they wanted i told them no I am not interested but they went ahead and charged me anyway. 
Now my credit report has this XXXX dollar charged on it that they wont take off. 
I dont owe them this money. 
They charged me this without my consent. 
This is a new collection where the account was sold to by another collection company. 
At on point they took it off my credit report and now they put it back on because its a new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: State Home Mortgage
State: GA

Complaint narrative:
State Home Mortgage has not paid my home insurance 2 times which is making me have to pay a higher amount for home insurance each time then it was originally gotten. 
I have had to purchase a home insurance policy for the 3rd time now.

I keep being harassed by state Home Mortgage now has sent me 2 letters saying I do not have hazard insurance & I will have to pay over {$2000.00} a year & pay State Home Mortgage company back. On XX/XX/XXXX I have received a 2nd letter from state Home Mortgage saying I do not have insurance & will have to pay State Home Mortgage company back when I do have hazard insurance for my home. 
The home insurance company has sent the information to state Home Mortgage company. I do not appreciate being harassed, bullied, and disrespected by state Home Mortgage company. State Home Mortgage company needs to pay for my home insurance policy every year for the entire 30 year loan at no expense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: PR

Complaint narrative:
A credit card account reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX is being reported on my credit reports with materially inaccurate and unverified information. 

The account reflects a reported balance of approximately {$4800.00} while the reported credit limit is only {$1500.00}, resulting in a reported utilization exceeding 300 %. This level of utilization is causing severe and ongoing damage to my credit profile. 

I have disputed this account multiple times directly with the furnisher and through the credit reporting agencies, including TransUnion and Experian. Despite these repeated disputes, no documentary verification has ever been provided, including but not limited to : A signed contract or account agreement Itemized billing statements supporting the reported balance Proof of how the balance exceeded the credit limit Certification of accuracy as required under the Fair Credit Reporting Act The account continues to be reported as verified or dispute resolved without any actual verification being produced. This constitutes inaccurate, incomplete, and misleading credit reporting. 

Additionally, access to the dispute portal has been intermittently blocked, further preventing me from exercising my rights under federal law. 

The continued reporting of this account without proper verification violates the Fair Credit Reporting Act, including the duty to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes. 

I am requesting CFPB intervention because the furnisher has failed to substantiate this account despite multiple good-faith attempts to resolve the matter.

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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
After my federal student loan was transferred to a new servicer, I experienced extended access issues that prevented me from logging into my account. For a period following the transfer, I was unable to create online access, view my balance, or enroll in AutoPay despite repeated attempts. 

During this transition period, login credentials from the prior servicer no longer worked, and the new servicers system did not recognize my information. As a result, I was unable to make payments electronically or set up automatic payments in a timely manner. I attempted to resolve the issue by trying to register my account multiple times and by monitoring for updates, but access was not restored immediately. 

Because of this access failure, a small number of payments were missed and subsequently reported as late. Outside of this limited period, I have a strong and consistent payment history, and once account access was restored, I promptly brought the loan current and established automatic payments. My account is now in good standing. 

The late payments reported during this servicing transfer do not accurately reflect my payment intent or long-term repayment behavior. I am requesting that the servicer review the account transition, system access issues, and related credit reporting, and correct or remove the late payment marks that resulted from these circumstances. 

I am seeking confirmation that my account was serviced and reported accurately during the transfer period and that any negative credit reporting tied to access or system issues be corrected.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : MAS FINANCIA - XXXX * * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC ( PRA ) for continued credit reporting and collection activity without lawful validation, despite repeated disputes. This is my THIRD dispute to PRA regarding the same alleged XXXX XXXX XXXX  account, and PRA continues to violate my rights. 

Background : The original creditor ( XXXX XXXX XXXX, XXXX. ) sent written notice that the account was SOLD to PRA and that XXXX XXXX requested deletion/changes to its tradeline. XXXX XXXX was previously removed from my credit reports. After that, PRA appeared/reappeared on my credit report and continues furnishing this alleged debt. 

Dispute history : I have disputed this account with PRA multiple times. This CFPB complaint relates to PRAs continued reporting and collection after my disputes. PRAs validation response did not provide lawful validation and did not prove liability or ownership. 

What PRA failed to provide ( despite repeated requests ) : Any signed contract or signed application Any document bearing my signature A complete chain of title/assignment from XXXX  XXXX to PRA A bill of sale identifying my specific account Competent evidence proving PRA has legal standing to collect and report PRA continues to furnish negative credit reporting without providing proper validation and without proving the debt. This is unlawful, inaccurate, and harmful. I demand PRA immediately delete the tradeline from all credit reporting agencies and cease collection unless and until they provide competent validation. 

This is my final notice in lieu of litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
XXXX XXXX  XXXX a medical debt not mine not validated added onto my credit report, this is my debt and also a medical debt please remove this debt 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 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern I Am writing to formally dispute the accuracy and complenteness of the auto loan account listed on my consumer credit report under the Fair Credit Reporting Act 15 U.S.C. 1681. 

LVNV Funding LLC XXXX Date Open XX/XX/XXXX Balance {$730.00} This Account is being reported inaccurately and / or without proper verification and / or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), i have the legal right to dispute any information that is inaccurate, unverifiable or misleading. 

i am requesting that you : 1. Conduct a reasonable investigation into this matter, and 2. Provide written proof that this account has been vertifed with original documentation, incuding but not limited to : A signed or promissory note bearing my signature. Complete payment history. Proof of legal ownership and authority to report this debt. If the furnisher can not proper verification within 30- day period required by law, this account must be deleted from my credit report.

Additionally, reporting unverifiable or inaccurate information violates FCRA 623 15 U.S.C.
1681s-2 ) Please correct or remove this account immediately if compliance can not be met.

Please send me written comfirmation of results of your investigation. Thank You for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Dear Nelnet XXXX XXXX XXXX, I am writing to formally dispute my student loan ( s ) due to a breach of my personal and financial information in violation of the Family Educational Rights and Privacy Act ( FERPA ). My information was compromised without my authorization, and as a result, I am requesting an immediate cancellation and discharge of my student loan debt. 

Below are the student loans associated with my account that I am disputing : Loan # XXXX : XXXX {$1700.00} Loan # XXXX XXXX {$3500.00} Given the severity of this breach, and it's impact on my financial and personal security, I urge you to take immediate action. Please confirm receipt of this dispute, and provide a timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against XXXX regarding inaccurate credit reporting, servicing errors, and borrower confusion related to my federal student loans during an approved consolidation period. 

At all relevant times, my federal student loans were approved for consolidation. XXXX services my loans ; however, I later discovered that my loans were being reported under two separate XXXX-serviced accountsone associated with the XXXX XXXX XXXX and another associated with StudentAid.gov. I reasonably believed these accounts represented the same consolidated obligation, as both were serviced by XXXX. 

During this time, I was actively making payments on what I understood to be my XXXX-serviced XXXX XXXX XXXX loans XXXX I believed these payments covered my full student loan obligation. I was not aware that XXXX was treating these as separate accounts for servicing and credit reporting purposes. 

As a result of this confusioncombined with the approved consolidation processingXXXX reported late or missed payments on one of the XXXX-serviced accounts, despite my good-faith efforts to remain current and my ongoing payments to XXXX. These late payment reports were not the result of willful non-payment, but rather servicing fragmentation, lack of clear disclosure, and administrative delays. 

XXXX  reporting caused a significant and unjustified drop in my credit score from fair to poor and does not accurately reflect my payment intent or overall account status. I was never informed in a clear or timely manner that payments needed to be made separately on what appeared to be duplicative XXXX accounts during consolidation. 

I am requesting that the CFPB investigate this matter and require XXXX to : * Correct or remove all inaccurate late payment notations reported during the consolidation and servicing transition period * Ensure my loans are reported as current and in good standing * Review servicing and disclosure practices related to multiple XXXX-serviced accounts to prevent borrower confusion * Confirm that payments made in good faith were properly credited and considered during credit reporting I have attached documentation supporting my consolidation approval, payment history, and credit report entries reflecting the disputed late payments. 

Thank you for your attention to this matter and for assisting in the resolution of this issue. 

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 2025-12-28 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: TX

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverifiable information being reported on my Equifax credit report. I am a consumer who is actively trying to correct and maintain accurate credit reporting, as guaranteed under the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts in Dispute XXXX XXXX Account No. XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXXXXXX Account No. XXXX ( Opened XX/XX/XXXX, Balance {$0.00} )

Company response to consumer: Closed with non-monetary relief