vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed an FTC Identity Theft Report regarding accounts that were opened and/or reported without my authorization. Under FCRA 605B, the credit reporting agencies are required to block identity-theftrelated information within four business days of receiving my report and proof of identity.

Despite this, the disputed accounts continue to be reported and/or have been reinserted without proper certification or notice. This constitutes violations of FCRA 605B, 607, 611, and 623.

I am requesting immediate and permanent blocking of all identity-theftrelated accounts, written confirmation of the block, and cessation of any further reporting by furnishers unless they can provide documented proof of authorization.

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 2025-12-22 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:
I filed an FTC Identity Theft Report regarding accounts that were opened and/or reported without my authorization. Under FCRA 605B, the credit reporting agencies are required to block identity-theftrelated information within four business days of receiving my report and proof of identity.

Despite this, the disputed accounts continue to be reported and/or have been reinserted without proper certification or notice. This constitutes violations of FCRA 605B, 607, 611, and 623.

I am requesting immediate and permanent blocking of all identity-theftrelated accounts, written confirmation of the block, and cessation of any further reporting by furnishers unless they can provide documented proof of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
clicked on a XXXX ad for steaks, {$7.00} was the charge, i agreed .to the paypal transaction was charged at {$3100.00} paypal dispute info Case ID : XXXX Disputed amount : XXXXXXXX XXXX XXXX  info : XXXX XXXX XXXX Date reported XXXX XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian  and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MS

Complaint narrative:
ractices and further calls into question the accuracy and verifiability of the reI am filing this complaint regarding inaccurate and misleading credit reporting by MOHELA on multiple student loan tradelines. 

MOHELA is reporting multiple late payments, including 90- and 120-day delinquencies, across several student loan accounts during periods when my loans were enrolled in an Income-Driven Repayment ( IDR ) plan with a $ 0 monthly payment obligation. During the disputed periods, no payment was due.

Additionally, the late payment reporting reflects inconsistencies in delinquency progression. Several MOHELA tradelines reflect 90- and 120-day late payment statuses without any prior 30- or 60-day late payments being reported. This is inconsistent with standard credit reporting pported delinquencies, particularly during periods when my payment obligation was {$0.00}.

I previously disputed this information with the credit reporting agencies and provided documentation confirming my IDR enrollment, loan status, and {$0.00} payment obligation. Despite this, MOHELA verified the late payments as accurate without explaining how such verification was possible when no payment was required and without substantiating the progression to 90- and 120-day delinquency.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires furnishers to report information that is complete, accurate, and verifiable. Reporting late payments when no payment was due, and reporting severe delinquencies without documented progression, constitutes inaccurate credit reporting.

Attached documentation confirms : Active IDR enrollment during the disputed periods A {$0.00} payment obligation Loan status reflecting no amount due Dispute results indicating the accounts were verified despite contradictory evidence I am requesting that MOHELA : Correct all inaccurately reported late payments to reflect current/never late status, or Delete the inaccurate late payment entries entirely from all consumer reporting agencies If MOHELA contends that the reporting is accurate, I request a detailed explanation identifying : The specific payment amounts allegedly due The dates those payments were due How the accounts progressed to 90- and 120-day delinquency without prior 30- or 60-day late reporting The method of verification used to validate the reported late payments Failure to provide this information or correct the reporting will confirm that the late payment information is not verifiable and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I paid for XXXX flights using my checking account visa debit card # XXXX on XX/XX/XXXX, 2025.The flights were cancelled without my consent or knowledge. The travel agency said I should call my bank ( NTB Bank ) to receive a refund of my money because the airline ( XXXX XXXX  ) had already sent the refund back to the bank. After contacting the bank they said I should contact the travel agency/airline because they didnt receive the money. The airline said they sent the money to the bank. The bank has refused to credit my account in the amount of {$1500.00}. After filing a claim with the bank regarding the missing funds, The bank alleged that because of the companys no refund policy my claim was denied. 
I didnt benefit from the transaction because the travel agency erroneously cancelled my flights due to an error on their behalf as a result they stated they sent the {$1500.00} back to the bank. The company has already agreed to provide me with a refund because of the circumstances and and they also confirmed that they sent the refund to NBT Bank. 
Moreover, the claim I filed with NBT Bank does not involve any requirement that the bank honor any refund policy because the refund has already been agreed upon by myself and the company. The banks reasoning for denying my claim is not based upon the fact that I provided proof that I was promised a refund or return credit which is solely foundation of my claim. 
The reason I filed the claim with the bank is because after I forwarded the bank proof that the company promised and provided me a refund credit, the bank continues to refuse to credit my account for the refund. NBT bank is mismanaging my account funds. NBT bank owes me a credit in the amount of {$1500.00}. In this case it is not necessary for the bank to attempt to determine the companys refund policy.

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 2025-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Collection Services, Inc.
State: GA

Complaint narrative:
I am requesting validation of the debt. I have been contacted daily by phone. I have not received any written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian  and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late Days : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Lewis, McDonnell & Associates
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX RE : Alleged Debt Cease and Desist / Formal Dispute -- - CEASE AND DESIST / FORMAL DISPUTE NOTICE 15 U.S.C. 1692c ( c ) & 15 U.S.C. 1681 This letter serves as formal notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act that you are hereby directed to CEASE AND DESIST all communication with me immediately regarding the above-referenced alleged debt. In addition, this letter constitutes a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681, including but not limited to 1681e ( b ), 1681i, and 1681s-2 ( b ). You are required to ensure that any information furnished to consumer reporting agencies is accurate, complete, and the result of a reasonable investigation. Until such time as a reasonable investigation has been completed and verified, you are prohibited from continuing to report this account as accurate or undisputed. Any continued reporting without proper dispute notation, or any verification without a reasonable investigation, constitutes a knowing violation of federal law. Pursuant to 15 U.S.C. 1692c ( c ), you may only contact me for the limited purpose of : 1. Advising that collection efforts are being terminated, or 2. Notifying me of a specific legal remedy you intend to pursue. Any communication or credit reporting beyond what is expressly permitted by law will be documented and may subject your company to liability under 15 U.S.C. 1692k and 15 U.S.C. 1681n / 1681o, including statutory damages, actual damages, and attorneys fees. This notice is not a refusal to pay, but a lawful demand for full compliance with federal law. Govern yourselves accordingly. They Reporting this open XX/XX/XXXX with a debt of XXXX I never opened a credit account in XXXX so that is fraud and someone used ID theft if thats what they Reporting please remove under code 15 usc 1681 and 15 usc 1692c a creditor can not change dates to force restart of drop off dates i open an acct in XX/XX/XXXX and Closed it XX/XX/XXXX with XXXX balance see attachments so this is a a fraudulent attack on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint regarding a collection account that has been placed on my consumer credit report without proper validation and in violation of federal consumer protection laws.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a written validation notice within five ( 5 ) days of the initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt and request validation.

I did not receive a validation notice within the required timeframe, nor was I provided with proper documentation prior to the debt being reported to the credit bureaus. Specifically, I did not receive the following documents : The Flow-Free Agreement Any Transfer or Assignment of the Debt A Bill of Sale showing ownership of the debt The Original Contract bearing my signature Additionally, I did not receive any Demand Letter or notice of intent to collect prior to this account being furnished to the credit reporting agencies.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and data furnishers are required to ensure that information reported is accurate, complete, and verifiable. Reporting a collection account without first validating the debt constitutes inaccurate and unverified reporting.

Furthermore, the practice of placing a collection account on a consumers credit report without first notifying the consumer or providing validation is commonly referred to as debt parking. This practice has been identified by the CFPB as deceptive and unfair, as it deprives consumers of their right to dispute or validate the debt before credit damage occurs.

Because the alleged debt was never properly validated, never lawfully assigned with proof, and never disclosed to me prior to credit reporting, I dispute this account in its entirety and request that the CFPB investigate this matter for violations of the FDCPA and FCRA.

I respectfully request : Full validation of the alleged debt, or Immediate removal of the collection account from my credit report Thank you for your attention to this matter and for protecting consumer rights under federal law. 

The following are the debts affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint regarding a collection account that has been placed on my consumer credit report without proper validation and in violation of federal consumer protection laws.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a written validation notice within five ( 5 ) days of the initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt and request validation.

I did not receive a validation notice within the required timeframe, nor was I provided with proper documentation prior to the debt being reported to the credit bureaus. Specifically, I did not receive the following documents : The Flow-Free Agreement Any Transfer or Assignment of the Debt A Bill of Sale showing ownership of the debt The Original Contract bearing my signature Additionally, I did not receive any Demand Letter or notice of intent to collect prior to this account being furnished to the credit reporting agencies.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and data furnishers are required to ensure that information reported is accurate, complete, and verifiable. Reporting a collection account without first validating the debt constitutes inaccurate and unverified reporting.

Furthermore, the practice of placing a collection account on a consumers credit report without first notifying the consumer or providing validation is commonly referred to as debt parking. This practice has been identified by the CFPB as deceptive and unfair, as it deprives consumers of their right to dispute or validate the debt before credit damage occurs.

Because the alleged debt was never properly validated, never lawfully assigned with proof, and never disclosed to me prior to credit reporting, I dispute this account in its entirety and request that the CFPB investigate this matter for violations of the FDCPA and FCRA.

I respectfully request : Full validation of the alleged debt, or Immediate removal of the collection account from my credit report Thank you for your attention to this matter and for protecting consumer rights under federal law. 

The following are the debts affected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I've been locked out of my Cash app account for quiet some time I use cash app for XXXX my business transactions as well as just another form of payment as well as savings I tried to make another cash app and they denied my account I've called multiple times to try to recover my old cash app account because I don't want to have multiple accounts and as well my taxes was done on that cash app account and I still have not had access to it since and the company makes it really hard to get into your account. Or get it back I sent verification of my id and everything and nothing still hasn't changed I stopped trying for a while but here I am back seeing if I can get into contact with a professional to get my account back into my possession and fix the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
The supervisor XXXX XXXX agent id XXXX keeps closing my accounts just because he doesnt like my attitude on the phone and all of them were in good standing. Hes taking advantage of his power over my accounts just because he can I didnt consent to having my accounts closed and I do not like the way he treats me. He constantly does it this is the 2nd time hes closed all three of my accounts for no reason

Company response to consumer: Closed with explanation