vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXXXXXX 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 XXXX XXXXXX/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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
in complaint Regulatory Case Number : XXXX you state there is a foreclosure action XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX enclosing the foreclosure compaint and the final judgment Bayview Loan Servicing vs XXXX XXXX XXXX can you send me a copy of the foreclosure complaint entittling XXXX  to any claims and send the case # in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reports must only include information that is accurate, complete, and verifiable. I am requesting that these reported late payments be investigated and verified, and if they can not be confirmed as accurate, that they be updated or deleted accordingly.

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 2025-11-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: MN

Complaint narrative:
I've been trying to order myself the cash app card, it keeps saying my physical address isn't a match or can not be found. So I was going to have it be mailed to by friends mother physical address. Soon as I'm done verifying the address and what not it tells me an unexpected error occurred and to try again later. So I waited, tried again and I get the same response over and over. And i just want to have a cash app card for once. I haven't had one since I created my account. And once I start working, which is in a few days I want to have my checks deposited into my cash app account. So I really need to get myself the cash app card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Ebay-Synchronicity bank is going into a big contradiction and affecting my credit score and peace. This bank is full of XXXX There is no intention to solve the problem and calling them or try to escalate won't help

1Ebay recognized all these transactions are fraudulent 2Ebay is doing an investigation over 180 days when they said the regular time is 60 days 3Ebay does not show any progress 4Ebay keep charging me late fees. eBay 's representative called me couple of months ago and was interested in solving all
the scam transaction with eBay Pay Pal and Pay Pal credit, but nothing happened All those were lies.

I do have all documents

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 2025-11-10 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: Westlake Services, LLC
State: GA

Complaint narrative:
What they are reporting to my credit bureaus is inaccurate. My right under the FCRA 1681s-2 ( b ) are being violated & i put in a Request for Validation, Documentation, and Cease & Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this complaint regarding my private student loans that originated with XXXX XXXX between XXXX, were later serviced by XXXX, and are now managed by MOHELA. I have made continuous payments since XXXX. The original combined principal was approximately {$100000.00}, and I have now paid over {$190000.00} in total across four loans. Two accounts are fully paid off ; two remain open with a combined balance of roughly {$29000.00}. 

On XX/XX/XXXX, I spoke with Manager XXXX XXXX at MOHELA, who instructed me to submit an appeal to their XXXX Department and noted our conversation in my file. I sent that appeal the same day, requesting ( 1 ) a full accounting of payments and interest capitalization since origination, and ( 2 ) a review for potential relief or settlement under the XXXX XXXX multistate settlement framework. I also noted that, after 16 years of good-faith repayment totaling nearly double my original principal, the remaining balance suggests possible mis-servicing or excessive interest capitalization. 

On XX/XX/XXXX, I received a letter from MOHELA ( Ref # XXXX ) that ignored my request entirely, merely directing me to view my account online. No review, explanation, or acknowledgment of my XXXX-era servicing concerns was provided. 

I understand that I may not fall within the automatic discharge group established by the XXXX XXXX settlement ; however, my loans were originated and serviced during the same period and exhibit the same problematic patterns of servicing and interest capitalization identified in that settlement. I am therefore requesting review and potential relief under that frameworkor comparable equitable considerationgiven my consistent 16-year payment record and the fact that I have already repaid nearly double the amount of the original principal. 

I have attached ( 1 ) my written appeal to MOHELAs XXXX Department, ( 2 ) their non-responsive letter dated XX/XX/XXXX, and ( 3 ) a summary showing my total payments and remaining balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a debt that was improperly reported to the credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I was a tenant at XXXX XXXX XXXX. The apartment had a severe leak and resulting mold problem that made the unit uninhabitable. I notified management multiple times in writing ( certified mail and email ) over a period of more than two months, and they failed to fix it. I was forced to move out for health and safety reasons. 

After I moved out, I was unexpectedly charged for rent and other fees that I dispute as invalid due to the landlords failure to maintain habitable conditions. The account was sent to a debt collector. 

On XX/XX/year>, I sent a debt validation request to the collector via certified mail. I have proof of delivery, but they never responded. Despite this, they reported the alleged debt to credit bureaus a direct violation of the FDCPA ( 15 U.S.C. 1692g ( b ) ), which prohibits reporting a debt before validation is provided.

I am requesting that the CFPB investigate this violation and require : - Immediate removal of the negative tradeline from my credit reports.

- Proper validation of the alleged debt.

- Written confirmation that the collector has ceased reporting the debt.

I am attaching my certified mail receipts, copies of my letters, and any communications showing my requests were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
Heres a professional and concise way to respond to the CFPB when disputing discrepancies on your credit report : XXXX XXXX  Subject : Credit Report Dispute Explanation Dear CFPB, I am writing in response to your request regarding the discrepancies I am disputing on my credit report. 

I recently reviewed my credit report and identified information that I believe is inaccurate or does not belong me. 
These discrepancies are negatively affecting my credit and do not accurately reflect my financial history. I am disputing them because I believe they are the result of an error by the creditor or the credit reporting agency. I am requesting that these items be investigated and corrected.

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 2025-11-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Heres a professional and concise way to respond to the CFPB when disputing discrepancies on your credit report : XXXX XXXX  Subject : Credit Report Dispute Explanation Dear CFPB, I am writing in response to your request regarding the discrepancies I am disputing on my credit report. 

I recently reviewed my credit report and identified information that I believe is inaccurate or does not belong me. 
These discrepancies are negatively affecting my credit and do not accurately reflect my financial history. I am disputing them because I believe they are the result of an error by the creditor or the credit reporting agency. I am requesting that these items be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to XXXX XXXX XXXXXXXX XXXX dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXXXXXX XXXX has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXX XXXX XXXXXXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX XXXX XXXX immediate compliance with FCRA XXXX XXXX XXXX XXXX XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had automatic payments on my Bank of America credit card since XXXX, funded from my XXXX XXXX account. This system worked without issue for years. In XX/XX/XXXX, I closed an unrelated Bank of America checking account. Without any warning or clear notice, this caused my credit cards auto-pay to silently cancel even though my external funding source remained active and well-funded. 
I did not find out until months later, when I saw that my credit score had dropped significantly due to missed payments. I immediately contacted Bank of America. During a recorded call ( disclosed at the start ), a representative confirmed that my auto-pay was canceled because the BoA checking account was closed despite the payments drawing from XXXX XXXX XXXX The representative acknowledged this linkage and submitted a correction to the credit bureaus, but Bank of America later reversed that action and denied any error. 
I have included the following supporting documents : Email confirmations showing that autopay was correctly set up using my XXXX XXXX account A XXXX XXXX bank statement showing a sufficient balance during the time payments failed A transcript and summary of the call in which Bank of America acknowledged the issue I respectfully request that Bank of America remove all negative credit reporting entries related to this issue and restore the accounts good standing. This situation has damaged my credit due to an internal system failure and lack of notice not due to any fault or inaction on my part.

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 monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
cima keeps calling me very agressively saying they will come look for me. They then proceed to call my family members demanding me to pay if not they willlook for me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it I am requesting CFPB enforcement requiring the furnisher to permanently delete the account all CRAS and provide written confirmation. if they claim the account i verified i request the produce the original signed application IP, logs and all evidence used to verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
Affirm Inc says I owe them {$480.00}, but will not tell us what for. I have asked for the information, but have not received any. I am not going to give them money, and I don't know what it is for. If they show me that it is not a scam and that I truly owe them {$480.00}, I will gladly pay it, but to go and put this as a charge-off on my credit report without providing the information is not fair. Provide me the proof I asked for, and I will pay what I truly owe and remove the charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX  Fraud transactions were reported immediately XXXX XXXX XXXX XXXX recognized fraud activity and linked my chase credit card. 
XXXX  emails and documents were sent to Chase because they could issue a credit 4 Chase issued a credit but then charged me bank XXXX Chase listen to XXXX XXXX XXXX and do not listen the customer. 
XXXX  Chase assumed these transactions are valid when i never authorized those.

XXXX  Chase and XXXX XXXX won't provide any e-signature because i never made those but they keep charging me. 

XXXX  If chase never credit me i will sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The company said I owe XXXX but I know I don't owe any debt. That information is false and I asked them to send me proof of paperwork and they haven't sent me anything proof yet.

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 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am sending this complaint because of inaccurate reporting by XXXX XXXX ( Account ending in XXXX ) that continues to appear on my credit file. The account is reported with the following details : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX. These dates and payment history are inaccurate and unverifiable, causing my credit report to misrepresent my true account history and negatively affect my credit profile. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau and the furnisher are required to ensure maximum possible accuracy of reported information ( FCRA 607 ( b ) ) and to conduct a reasonable reinvestigation when a consumer disputes the data ( FCRA 611 ( a ) ( 1 ) ( A ) ). If the furnisher can not verify the data with certified documentation, the information must be corrected ( FCRA 611 ( a ) ( 5 ) ( A ) ). XXXX XXXX, as the furnisher, also has a legal obligation under FCRA 623 ( a ) ( 2 ) to correct and update any data that is found to be inaccurate or incomplete, and under FCRA 623 ( b ) to conduct a reasonable investigation and report results to the bureau. The company has failed to comply with these requirements. Additionally, under 15 U.S.C. 1666 ( Correction of Billing Errors ), I have the right to have inaccurate account or transaction details correctedespecially when they create a misleading payment history. The open date and last payment date listed do not match my actual records and appear to have been reported without proper verification.

Company response to consumer: Closed with non-monetary relief