vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am an educator pursuing Public Service Loan Forgiveness ( PSLF ). In XXXX, I submitted a PSLF employment certification form. My XXXX signed it to verify my qualifying public service employment, and I sent the completed application to my loan servicer at the time. 
I have never received any acknowledgment, update, or processing confirmation for that XXXX application. Shortly after submission, my loans transferred from the previous servicer to Mohela, the designated PSLF servicer. I believe the transfer caused my application to be overlooked or lost, as no one appears to have reviewed it. 
Since the transfer, I have not received any PSLF payment count updates or confirmation that my prior employment certification was processed. This delay has left me uncertain about my progress toward the required 120 qualifying payments and forgiveness. 
I request that Mohela and/or the Department of Education locate and process my XXXX PSLF application, provide an accurate count of my qualifying payments and employment periods, and update my account accordingly. If the original form can not be located, please allow me to resubmit without penalty and apply any qualifying credit retroactively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dispute of PORTFOLIO RECOVERY Account Verification Failure and Re-Aging I am disputing the reporting of the account PORTFOLIO RECOVERY / XXXXXXXX XXXX XXXX XXXX XXXX I am not responsible for this debt. The account shows significant inconsistencies : Date of first delinquency XX/XX/XXXX, account opened XX/XX/XXXX, which constitutes prohibited re-aging under FCRA 623 ( a ) ( 5 ) ( see XXXX v. XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ). 

XXXX  marked the dispute as completed investigation consumer disagreed, indicating a failure to verify the debt properly, violating FCRA 611 ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX  and XXXX  report the debt with collection status despite the ongoing dispute. 

Furthermore, the debt may be time-barred under Florida Statutes 95.11, and continued reporting constitutes prohibited practices under FDCPA and UDAAP, including the use of automated or misleading reporting methods ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ). 

Technical Standards : According to Metro 2 reporting standards, all account data must be accurate and verifiable. Disputes must be processed via e-OSCAR, and responses must be based on verified documentation. The current responses appear automated and fail to comply with these federal standards. 

Requested resolution : Immediate deletion of this account from all credit reports, correction of all inaccuracies, and assurance that unverifiable or time-barred information will not be reported in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Issue : Continued attempts to collect a debt that has been paid in full ; Fair Debt Collection Practices Act ( FDCPA ) violations. 

Incident Description : I am filing this formal complaint against Harris & Harris regarding an erroneous collection attempt for a medical balance that was settled in full months ago with the original provider, XXXXXXXX XXXX XXXX XXXXXXXX. 

Services were rendered at XXXXXXXX XXXX XXXX XXXX between XX/XX/year>XXXX  and XX/XX/year>. On XX/XX/year>, I paid the entire balance via my HSA account through a series of 13 transactions totaling {$4400.00}. Despite this account having a {$0.00} balance for nearly four months, Harris & Harris issued a formal collections notice which I received on XX/XX/year>. 

Attempting to collect a debt that has already been settled is a violation of the FDCPA. Furthermore, receiving a demand for thousands of dollarswhich I have already paidjust two days before XXXX caused significant emotional distress and financial alarm. This represents a gross administrative failure and a lack of accounting integrity between XXXXXXXX XXXX XXXX XXXXXXXX and their agent, Harris & Harris. 

Timeline of Events : XX/XX/scrub>XXXX XXXXXX/XX/year> : Services rendered by XXXXXXXX XXXX XXXX XXXXXXXX. 

XX/XX/year>XXXX  : Full payment of {$4400.00} processed and confirmed via HSA ( see attached evidence ). 

XX/XX/year>XXXX  : Received collections notice from Harris & Harris for the previously settled amount. 

XX/XX/year>XXXX  : Formally disputed the debt via letter and filed this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I am filing a complaint regarding Accredited Collection Service , Inc 's handling of an alleged medical debt of {$1400.00}. 

I sent two separate written requests to the company seeking written confirmation before submitting payment : On XX/XX/year>, I sent a certified letter requesting written confirmation that payment of the full balance would satisfy the account in full and that no further collection would occur. USPS tracking confirms this letter was delivered and signed. 

After receiving no response, I sent a second written request, which was received on XX/XX/year>, again requesting written confirmation and documentation before submitting payment. 

Despite receiving two written requests, the company has not provided any written response addressing my requests. Instead, they sent a generic balance-due collection notice that did not respond to my correspondence or provide the requested confirmation or validation. 

I am willing and prepared to pay the balance, but the companys failure to respond to two written requests has prevented me from resolving the account. The company has continued collection activity without addressing my correspondence.

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 2025-12-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.
15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have already filed/opened a complaint against Carrington but I have additional information to add. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Mortgage Documents below : Mortgage Statement - Mortgage statement showing that Carrington applied a payment on XX/XX/year> to satisfy the XX/XX/year> obligation. 

Carrington Response Letter : - Carrington Mortgage Services written response dated XX/XX/year> denying my dispute and asserting that continued adverse credit reporting is valid Credit Report Screenshots Ongoing Delinquency Reporting ( XXXX ) : - Screenshots from my credit report showing that Carrington continues to report my account as delinquent each month after payments resumed and were accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-29 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : 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 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 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 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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year> I made a credit card payment of {$8100.00} to my XXXX XXXX XXXX  credit card account. The funds cleared from my bank account, but XXXX XXXX XXXX  placed an internal hold on the payment and restricted my available credit. 
I was not notified in advance that the payment would be subject to a hold, nor was any fraud concern or payment issue disclosed at the time the payment was made. Bank representatives informed me that the hold could only be released by a manager who was not available until the next business day, leaving me without access to my available credit over the weekend. 
As a result, I experienced a loss of access to my funds due solely to internal processing or staffing limitations, not because of any problem with the payment itself. This delay caused financial hardship and prevented me from using my available credit. 
I requested escalation and immediate review, but was told no action could be taken until a manager returned. But then was told no manager could lift a hold because its a system triggered hold. Holding cleared payments without disclosure and delaying access to credit due to staffing availability and access is unreasonable and unfair to consumers.

Resolution requested : XXXX  Immediate release of the payment hold or issuance of provisional credit XXXX Written explanation of the reason for the hold XXXX  Citation of the policy authorizing this action XXXX Assurance that future payments will not be held without disclosure I am on vacation and can not access my credit card funds and I used my checking account funds to pay the credit card specifically so it could be used. I attached the portal screenshot showing the credit limit, and the balance isnt near {$15000.00} and still the card is declining.

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