vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: MOHELA
State: GA

Complaint narrative:
On XX/XX/year> I sent a CERTIFIED copy of a CEASE AND DESIST letter, for them to cease reporting this account. 

The company received this letter XX/XX/year> @ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
From a company from XXXX. On XX/XX/XXXX. On XX/XX/XXXX, I requested a cancellation because the item was still not in process or even in production yet so I had a window to still cancel. The company refused to cancel my order and they shipped the product to me and said I can return it. Once I receive the product, the company never responded to my emails about requesting a return. They told me to request a return which I did never responded. I contacted my bank because I went on the companies XXXX XXXX even message them through XXXX and the company did not respond to me. Apple Credit card told me that I will get my dispute because the company is not working with me. Next, I receive an email from Apple saying I did not return in the timeframe. However, the company policy states I have to apply on the company website for to get my return. How can I apply on the website when the company did not respond to me at all. I provided emails messages and XXXX DM of the company how many times I reached out from XX/XX/XXXX to XX/XX/XXXX. I have multiple issues with Apple Credit Card through Goldman Sachs Bank about disputation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
A debt collector, Columbia Debt Recovery LLC ( also operating as Genesis ), is attempting to collect an incorrect rental debt originating from XXXX XXXX in XXXX, Arizona. 
I lived at the property from XX/XX/XXXX to XX/XX/XXXX. During my tenancy, the unit experienced serious habitability issues, including an in-unit electrical fire and repeated water outages totaling approximately 72 days over the course of my lease. Under Arizona law, a dwelling without essential services such as water is considered uninhabitable, and rent abatements or credits are required for periods when a unit can not be occupied. Despite these conditions, no rent abatements or credits were ever applied to my account. 
Following the electrical fire and resulting power outage in XX/XX/XXXX, I was instructed by property management to document grocery losses caused by the outage. On XX/XX/XXXX, I submitted a formal contact form through the propertys system reporting the loss and provided itemized photographic proof showing {$220.00} in spoiled groceries. Over the following months, I followed up multiple times after noticing that the promised reimbursement was never applied to my resident ledger. Corporate management acknowledged the reimbursement issue internally and confirmed it was escalated, but the credit was never issued. 
After I moved out, XXXX XXXX assessed a {$240.00} tub resurfacing charge and sent the account to collections without applying the documented grocery reimbursement or any rent abatements for the uninhabitable periods, resulting in an inaccurate balance being sent to the debt collector. 
Because the balance fails to reflect documented credits and legally required abatements, the amount the collector is attempting to collect is incorrect. I am disputing the debt and requesting full validation, correction of the balance, and removal of the account from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NC

Complaint narrative:
I have 2 days to find a place to live before my children and I are homeless. I had a XXXX account marked as a utility bill on my credit so I was denied housing. This XXXX account was already settled in full. Upon payment I was promised this account would be removed from my credit report. It was not removed and XXXX said it could take 60 days, even after explaining the situation. I asked for a confirmation letter to give to the property manager to show this account is paid off. XXXX told me they would send the confirmation letter to my email and once they got of the call they only emailed me saying the property manager would have to fax a written request and it could take several days to receive it. This is wrong and it's preventing me from securing a place to live with my toddlers. XXXX refuses to update my credit and refuses to send me any documentation to prove the account is paid and there is no longer a balance. It's winter, I have children and obviously they dont care what impacts their lack of doing their job causes to families.

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 2025-12-16 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: MA

Complaint narrative:
I am a long-standing customer of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXXXXXX and I have always appreciated the good value and services I have received from Both companies, However after recently reviewing my annual credit report. I was surprised to see a late payments showing in my history, I have a perfect record of paying on time. I will like to remain an as a customer of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and will be happy to do so as soon as we get this all cleared up. We refer to friends and family to you all the services. Will you kindly send me confirmation that this erroneous late payment has been corrected and deleted from my credit report. 

I had tried a few times to get this corrected with the company and no response Please help me

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 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: KY

Complaint narrative:
I am filing a complaint about United Wholesale Mortgage handling of my loss mitigation and account records for Loan XXXX ( property : XXXX XXXX XXXX, XXXX, KY ). 

Missing account history and records as XXXX XXXX XXXX mortgage ( XXXX ) servicer losing all my account records is a serious potential XXXX  violation, especially concerning proper handling of transfers and borrower data. 

After requesting my account records, I was told XXXX does not have notes or records on my account prior to XX/XX/XXXX, indicating my file history was lost or not retained during/after XXXX  servicing transition. A XXXX representative stated, We dont have notes beyond like before XXXX. 

Hardship timeline does not match denial reasoning My financial hardship occurred XX/XX/XXXX through XX/XX/XXXX ( job loss and recovery period ). XXXX approved me for assistance during that hardship period, sent restructuring documents, and I returned signed notarized documents. I've provided documents to XXXX dating back to XXXX of XXXX stating that they have received all the required documents. 

XXXX later denied assistance stating I was no longer experiencing a hardship, even though the hardship occurred during the period when my request should have been evaluated and when I was initially approved. XXXX XXXX XXXX Mortgage has since admitted in writing they have lost * ALL * records of my account prior to XX/XX/XXXX. 

Conflicting and inconsistent communications about my application status XXXX sent a letter stating my loss mitigation application was complete as of XX/XX/XXXX and that no further information was needed at that time, and that I was entitled to foreclosure protections. 

XXXX then sent a later letter stating my application was incomplete and demanded additional documentation ( XXXX XXXX XXXX or similar ), while also indicating they had already received a XXXX form XXXX 

On a recorded call, a XXXX representative also stated my file was deemed complete, underwriting decided on XX/XX/XXXX, and the denial basis was attributed to FHA guideline timing ( referencing XXXX to XXXX  days past due and then suggesting I might qualify now that the loan is more delinquent ), which is inconsistent with the hardship resolved type rationale I was given elsewhere. 

Lost document paperwork issue XXXX has claimed I did not sign or return lost document paperwork. I did not receive any lost mitigation document paperwork to sign, and I did not lose my documents. The servicer XXXX has taken ownership of the lost history of my file in writing stating " We have no records before XX/XX/XXXX '', then shifted the burden to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have banked at PNC for over XXXX years. There was fraudulent activity that occurred in the account from someone in XXXX so they closed the account. I was instructed to open a new account while I was in the branch which I did that day. The XXXX accidentally took my funds from the closed account and was suppose to put it in the new account but made a mistake and put it in the old account in error. I waited for this transaction to be reversed and put into the new account. I was at the branch for a hour waiting on my money. 

Second incident, I went through XXXX XXXX through to use my debit card on the new account and it wasnt working so I went into the branch to find out what was going on with my account. They said the back office closed my new account and debit card. I had no notification by phone or mail this was taking place. This is unacceptable and not professional behavior. I still to this day have no idea why it was closed. 

I have XXXX deposits going into this bank account monthly totaling {$5000.00} that my Mom and I need to buy groceries and pay bills. Since the bank closed my account without notification I didnt realize I needed to open a new account at another bank. If I had known I would have rushed over to my new bank and open an account so my deposits had an account so the money had somewhere to be placed for access for myself and my XXXX. Btw, I am taking care of my Mom who is XXXX XXXX XXXX and depends on the funds for food. 

Now it seems I can not receive my funds that were deposited on XX/XX/XXXX because PNC said the sent it back to the originator. I called them and they said it was still at PNC. I am still working on receiving my funds so I can feed my XXXX XXXX XXXX XXXX and feed my pets. This has been at nightmare. So, it is now XX/XX/XXXX and still no money due to the awful service from PNC they evidently dont care about their customers or people in general. 

We have received a small amount of money from a friend to buy some food but {$50.00} doesnt go too far these days. Now its been 2 days without food for my XXXX XXXX XXXX XXXX, myself and my pets. I am so frustrated because every day I wake up at XXXX and then by XXXX call Social Security XXXX find out how and when I will receive the funds. This has all occurred because of PNC and their negligence and uncaring ways for people. I hope this does not happen to anyone else because its a nightmare!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CO

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MA

Complaint narrative:
Would you mind looking over this entry? Its late and could be inaccurate.

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 2025-12-16 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: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
If, after their investigation, the furnisher of the information can not verify that the account is accurate, complete, and actually belongs to you, the FCRA requires the credit bureau to correct or delete the entry. The fact that the credit bureau failed to provide you with proof that the account belongs to you and how they verified it suggests that the information may be unverifiable.

The credit bureau has failed to comply with its obligations under 15 U.S.C. 1681i by not providing proof of verification that the account is mine. I Demand that the account be immediately deleted because the information is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-16 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: 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 explanation
Consumer complaint received 2025-12-16 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The company Lockhart Morris and Montgomery has stated over 60 days ago that they would remove the account they placed onto my credit report their next reporting period. They made this statement the begining of XX/XX/year> and filed it with the CFPB. Its still being reported on my credit as of today, XX/XX/year>. They have failed to do as promised and have reported this information as still there. This is not only violating my consumer rights that are protected under several laws, but also is also damaging my credit as well as causing extreme emotional distress trying to get this handled in a timely manner. This has cost me time in researching the appropriate laws, replying and waiting for responses. I have no business with this company since they were handed off " a file with my information '' that could not be verified by myself. I could also not verify the other XXXX party they claim to have gotten my information from, therefore, as promised by the company, need this removed immediately and reimbursed for the damages in the same dollar amount they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-16 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
I submitted a PSLF Buyback request on XX/XX/year> after completing 113 qualifying PSLF payments and more than 10 years of qualifying federal service. Additional payments were prevented due to administrative pauses associated with the SAVE plan. 

XXXX XXXX exists specifically to allow borrowers in this situation to pay the remaining qualifying months and receive loan forgiveness. However, more than six months later, I have received no eligibility determination, no decision, and no buyback payment amount. 

I am an XXXX XXXX service member nearing retirement, and this unresolved balance is affecting my ability to qualify for a mortgage due to debt-to-income calculations.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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