vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ID

Complaint narrative:
I have filed a complaint for this debt already but I put in the wrong company name so I took a picture of it and I will submit it here it is the XXXX XXXX but the other company I listed is wrong. I was evicted from the place and paid the amount the court decision required which was about {$750.00} but they have come after my credit for {$9400.00}. They kept my dad 's ashes in a storage unit and lied to me about how much debt I owed for over a year then called and screamed at me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am not able to pay back these loans and I want them all removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I bank with suncoast credit union and use their bill pay service. I also work for a financial institution and get paid semi monthly on XXXX. 

I have a reoccurring bill payment setup to pay XXXX XXXX XXXX XXXX monthly on the XXXX. 

When the XXXX falls on a banking holiday or weekend they process the payment the banking business day prior to the XXXX. 

This has caused a {$29.00} overdraft fee each occurrence. In XXXX I noticed this and called. Suncoast agent confirmed an error on their part and reversed the fee. Same thing happened in XXXX, except this time the agent said its working as expected and wouldnt refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Cease and Desist Letter To : Professional Debt Mediation , Inc Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Account number : XXXX Dear XXXXXXXX XXXX : This letter is to notify that I hereby summon to end your unlawful attempt to collect money from me, on behalf of Sure Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. In XXXX, I co-signed a lease for my nephew. 

XXXX. On XX/XX/XXXX, more than XXXX before the end of my lease, I sent a registered letter by US Postal Service, requesting to be taken off the lease ( See copy of my registered letter ). 

XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX, senior property manager for XXXX XXXX, acknowledging my request, and she unstructured me to follow the processes to be released from all lease responsibilities. 

XXXX. On XX/XX/XXXX, I completed the Roommate Release Agreement, releasing me of all past, present and future liabilities pertaining to our XXXX and the subsequent leasing agreements ( see the document ). 


Based on step XXXX above, it appears that your attempt to collect money from me is unlawful and without merit. 
Please contact me within 30 days to confirm that you will honor my request. I have prepared a complaint for submission to the proper agencies for investigation. I will not file the complaint if you resolve the problem within the XXXX period as I have indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
When they would not lessen the monthly payment or lengthen the repayment time, I entered into a debt consolidate firm XXXX XXXX XXXX XXXX XXXX. When I informed them of this, they threatened to sue me, take control of my personal property and garnish my wages. They then went on to contact family members not listed as approved contacts - this is embarrassing fir me. They continue to call a personal friend and threaten her- stating this is a collection for me and she had better tell them what they need to know. This friend is now in trouble at her job. Im trying to repay atleast some of this loan. I offered to pay them {$200.00} a month instead of the full {$400.00} and was informed that was not acceptable and I had better figure out how to pay the full amount or they would take everything I have. This is causing me undo stress and the possibility of loosing my family and many friends do to the embarrassment this company is causing. They are going to get money. It just won't be the full amount. If I miss answering one of their harassing phone calls, they start calling my friends and family. I don't know what to do anymore.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
American Express issued a XXXX credit card in error using my colleagues first name - combined with my last name, and also had my colleagues personal information associated with the account except my Social Security number. Because of this clerical identity mismatch, my colleague mistakenly used the card believing it was his. 

They never sent me any communication including statements via email or physically. 
Once American Express was notified the mistake, they closed the account and blocked all the access to the account, hence I was not able to make any payments. Even though I attempted to resolve the issue by calling them several times including their collection department and credit reporting department. I agreed to pay the remaining amount after looking at the statements which is also being denied. Despite this being a clear operational error by American Express, they reported the account as delinquent under my credit profile.

This false reporting has significantly lowered my credit score, and American Express has refused to correct the information even after I called and notified American Express customer service representative/manager, collection department representative XXXX XXXX XXXXXXXX , Manager - XXXX XXXX XXXX who connected me to credit reporting department and the customer service repeatedly, however no one was able to provide me the help and solution and blamed on me that its my fault. I am a physician Cardiologist and have no issue in paying the full due amount of {$40000.00} at any time. Still the issue is not being resolved. I have spent XXXX half days on the phone with all these departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-12-07 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: PA

Complaint narrative:
XXXX  {$560.00} ( XXXX XXXX XXXX XXXX ) XXXX XXXX {$92.00} ( XXXX XXXX XXXX ) XXXX XXXX {$280.00} ( XXXX ) XXXX  {$1600.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows late marks ( 30120 days ) that do not match EX/EQ timelines. 



Incorrect / Fragmented Names TU : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX NOT your name Violation : FCRA 607 ( b ) failure to maintain maximum possible accuracy. 

Incorrect Addresses Across bureaus, these addresses are inaccurate or outdated : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX you do NOT live there XXXX XXXX XXXX not yours XXXX XXXX XXXX XXXX XXXX outdated XXXX This account shows : TU = Late 60 EX = Late 60 EQ = Late 30 This is legally impossible. You can not be different days late for the same contract

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
XXXX  {$560.00} ( XXXX XXXX XXXX XXXX ) XXXX XXXX {$92.00} ( XXXX XXXX XXXX ) XXXX XXXX {$280.00} ( XXXX ) XXXX  {$1600.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows late marks ( 30120 days ) that do not match EX/EQ timelines. 



Incorrect / Fragmented Names TU : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX NOT your name Violation : FCRA 607 ( b ) failure to maintain maximum possible accuracy. 

Incorrect Addresses Across bureaus, these addresses are inaccurate or outdated : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX you do NOT live there XXXX XXXX XXXX not yours XXXX XXXX XXXX XXXX XXXX outdated XXXX This account shows : TU = Late 60 EX = Late 60 EQ = Late 30 This is legally impossible. You can not be different days late for the same contract

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 2025-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
IQ Data XXXX is attempting to collect and report rental debt that I do not owe. 
A traumatic death occurred in my apartment on XX/XX/XXXX, making the unit uninhabitable and unavailable. I could not legally occupy the unit after this date. 
Despite this, XXXX XXXX XXXX charged rent for XXXX and XX/XX/XXXX. 
XXXX confirmed in writing on XX/XX/XXXX that my early termination fee was waived. 
On XX/XX/XXXX, XXXX also confirmed they have no notice to vacate form for me. 
Their official ledger shows a balance of XXXX, but IQ Data is reporting around XXXX, which is inaccurate. 
This debt is not valid, has not been properly validated, and is being inaccurately reported to credit bureaus. 
I am requesting deletion of the account and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am a XXXX XXXXXXXX survivor and former coop owner at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. My loan was originally serviced by XXXX XXXX XXXXXXXX and then transferred to Seterus. XXXX XXXX XXXX offered a loan modification while I was in divorce and financial crisis, but servicing was transferred and Seterus treated the loan as in default instead of working with me. 

In XX/XX/XXXX I received a Notice of Sale of XXXX XXXX  from XXXX XXXX, stating thaXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) would conduct an auction of my coop at the XXXX County Courthouse on XX/XX/XXXX. I was not given a proper 120day lossmitigation and review period before this sale date, and I never received a final foreclosure judgment from any court. 

For tax year XXXX a Form 1099A was issued in Seteruss name for my property, and in XX/XX/XXXX my coop shares were transferred internally for {$10.00} and then resold as a XXXX XXXX XXXXXXXX property for {$100000.00}, while a UCC termination ending the original lenders lien was recorded in XXXX County. I did not receive clear information about the status of my loan, the alleged foreclosure, or my rights, and Seterus did not give me accurate information or assistance to resolve the default. 

I believe Seterus and related parties violated the mortgageservicing rules ( including the 120day delinquency rule and requirements to respond to requests for information and lossmitigation applications ), misused a 1099A, and participated in an illegal taking and flip of my coop. I am asking CFPB to investigate Seteruss servicing of my loan, the handling of the XX/XX/XXXX sale notice, the XXXX 1099A, and the XX/XX/XXXX transfer and XXXX  sale, and to tell me what additional information you need. 

I have also filed a quiet title action in New York regarding this coop, but I do not have legal representation. I am asking CFPB to investigate the servicing and foreclosure issues and to provide any information or findings that could help clarify the status of my loan and support my efforts to clear title. 

XXXX XXXX XXXXXXXX own records show it transferred servicing to Seterus effective XX/XX/XXXX. Despite this, my coop was pushed toward an auction in XX/XX/XXXX and then a XX/XX/XXXX flip. Any such actions could not lawfully have been taken by XXXX XXXX XXXXXXXX, and SeterusXXXX XXXX and the coop board must account for the legal authority they relied on to treat my coop shares as if they had been foreclosed. 

XXXX County land records show that on or about XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX filed a UCC Termination ( Instr. No. XXXX ) ending its security interest in my XXXX XXXX coop shares, even as the same shares were transferred internally for {$10.00} and resold days earlier as a {$100000.00} XXXX XXXX XXXXXXXX property. This inconsistency is strong evidence that my coop was wrongfully taken and flipped after the underlying lien had been terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX I am reporting the XXXX XXXX XXXX  XXXX account ending XXXX, opened XX/XX/year>, reporting a {$220.00} charge-off and marked previously disputed resolved by data furnisher, because this account is fraudulent and was created without my permission after Equifax exposed my personal information in its data breach. Under FCRA 603 ( q ) and 605B, any account resulting from identity theft must be blocked and deleted because I did not open, authorize, or have any relationship with this creditor. This reporting is inaccurate, harmful, and can not be verified as mine since I never applied for or used this account. I am requesting that CFPB intervene because Equifax continues reporting this fraudulent account despite the breach and my identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: PA

Complaint narrative:
XXXX  {$560.00} ( XXXX XXXX XXXX XXXX ) XXXX XXXX {$92.00} ( XXXX XXXX XXXX ) XXXX XXXX {$280.00} ( XXXX ) XXXX  {$1600.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows late marks ( 30120 days ) that do not match EX/EQ timelines. 



Incorrect / Fragmented Names TU : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX NOT your name Violation : FCRA 607 ( b ) failure to maintain maximum possible accuracy. 

Incorrect Addresses Across bureaus, these addresses are inaccurate or outdated : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX you do NOT live there XXXX XXXX XXXX not yours XXXX XXXX XXXX XXXX XXXX outdated XXXX This account shows : TU = Late 60 EX = Late 60 EQ = Late 30 This is legally impossible. You can not be different days late for the same contract

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 2025-12-07 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: NY

Complaint narrative:
I dispute the chargeoff accounts from XXXX # XXXX and XXXX XXXX # XXXX because they contain inconsistencies in the reported information and dates. 
Such discrepancies violate the accuracy requirements of the FCRA ( 1681e ( b ) ) and misrepresent the true status of the accounts.

Unless lawful documentation is provided to substantiate the reporting, these accounts must be deleted from my credit report.

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 2025-12-07 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX I am reporting the First XXXX Bank account ending XXXX, opened XX/XX/XXXX, reporting a {$720.00} charge-off, a {$400.00} credit limit, a first delinquency of XX/XX/XXXX, and currently marked as consumer disputes this account information, because this account is fraudulent and was created without my permission after Equifax exposed my personal information in its data breach. Under FCRA 603 ( q ) and 605B, any account that results from identity theft must be blocked and deleted because I did not open, authorize, use, or have any relationship with this creditor. This reporting is inaccurate, harmful, and can not be verified as mine since I never applied for or used this account. I am requesting that CFPB intervene because Equifax continues reporting this fraudulent account despite the breach and my identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, AZ XXXX XXXX I am reporting the XXXX XXXX XXXX  XXXX account ending XXXX, opened XX/XX/XXXX, reported as pays as agreed, closed by the credit grantor with a {$1000.00} credit limit, {$0.00} balance, and reported on XX/XX/XXXX, because this account is fraudulent and was created without my permission after Equifax exposed my personal information in its data breach. Under FCRA 603 ( q ) and 605B, any account resulting from identity theft must be blocked and deleted because I did not open, authorize, or have any relationship with this creditor. This reporting is inaccurate, harmful, and can not be verified as mine since I never applied for, used, or agreed to this account. I am requesting that CFPB intervene because Equifax continues reporting this fraudulent account despite the breach and my active identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX I am reporting the First XXXX Bank account ending XXXX, opened XX/XX/XXXX, reporting a {$1400.00} charge-off, a {$500.00} credit limit, a first delinquency of XX/XX/XXXX, and marked consumer disputes this account information, because this account is fraudulent and was created without my permission after Equifax exposed my personal information in its data breach. Under FCRA 603 ( q ) and 605B, any account resulting from identity theft must be blocked and deleted because I did not open, authorize, or have any relationship with this creditor. This reporting is inaccurate, harmful, and can not be verified as mine since I never applied for or used this account. I am requesting that CFPB intervene because Equifax continues reporting this fraudulent account despite the breach and my identity theft claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: WA

Complaint narrative:
XXXX. Repeated Monthly Charge-Off Reporting The account displays CO ( Charge-off ) every month from : XX/XX/XXXX XX/XX/XXXX A charge-off is a one-time event, not a monthly status. 
Repeated charge-off reporting is : Illegal re-aging Double-reporting of the same derogatory event A violation of FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate information 1. Impossible and Contradictory Dates The account shows : Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Yet the payment history includes charge-off reporting through XXXX, XXXX, and XXXX An account can not reflect new negative information after the last status update date. 
This is factually impossible and violates FCRA accuracy requirements.

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