vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I lost my Job and with my circumstances I couldn't work, Bank Of America closed my 2 credit cards, and the reason I was giving was because I " carried too high of a balance. They offered me no flexibility whatsoever. No financial hardship program, no reduced payment or interest, and on top of it reck my credit score. XXXX, XXXX XXXX, and XXXX all offered me financial hardship programs. I ended up paying all my debt to them within 6 months after I finally found a job. Bank of America does not care about it's customers, we're all just numbers to them.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
Unable to contact mohela. They send an arbitrary email that looks like spam and when I call the number indicated on the email it goes to a construction company. How am I to make payments if I am unsure to where they are going. This is my second complaint with CFPB. The first one has yet to be resolved or responded to.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with XXXX XXXX, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject: Request for Method of Verification  Disputed Accounts To Whom It May Concern, I am writing to formally request the method of verification (MOV) for the following disputed accounts currently reflected on my credit report: XXXX XXXX XXXX XXXX (Balance: XXXX XXXX XXXX XXXX XXXX (Balance: XXXX (two separate entries) I previously disputed these accounts due to their inaccurate or unverifiable nature. However, I have not received adequate details regarding how you verified the information provided by the creditors or collection agencies. Under the Fair Credit Reporting Act (FCRA), I am entitled to know the name, address, and contact information of the party that supplied the information you used to verify the accuracy of these accounts. Additionally, I would like to understand the exact procedures you followed during the investigation process. Please provide this information to me within 15 days from the date of this letter. Should you fail to provide sufficient evidence of the verification process, I request that these disputed items be deleted from my credit report immediately, as required under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Focus Financial Services is reporting a {$910.00} medical collection from XXXX XXXX XXXX on my credit reports. 
I am XXXX XXXX XXXX, retired, and my only income is $ XXXX in Social Security benefits . By federal law ( 42 U.S.C. 407 ), Social Security is exempt from collection. 
On XX/XX/year>, I called Focus Financial and explained this, but the representative told me I must pay the full balance. 
This debt is uncollectible under federal law, yet it continues to be reported and is damaging my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I used the loan simulator on studentaid.gov and it recommended I consolidate all of my loans. Monthly payment would be {$0.00} on incomed based repayment. Estimated Forgiveness date provided was XX/XX/XXXX. Amount of forgiveness {$18000.00}. Estimate IDR Qualifying Payments XXXX of XXXX. I followed this recommendation and now I have lost all of my IDR qualifying payments. 
I followed the recommendation of the simulator, and it was false information. I am requesting my loans go back to previous status ( unconsolidated ) and I receive my payment credits back. I have had these loans since XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FlexShopper, Inc
State: FL

Complaint narrative:
Back in XXXX of last year I reported a fraudulent debt from Flex Lending and was unable to get in contact with them. I recently got a phone call threatening legal action from a law firm who tried to get information only gave them my name and DOB not the last four of my social. They threatened legal action and i have not received any mail correspondence. There phone number is XXXX ( XXXX ) XXXX. I am going to block them for now i think they are fishing for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Equifax, Experian and XXXX and the collection agencies reporting unverifiable accounts on my credit report. 

There are three collection accounts appearing on my Equifax credit report for the following amounts : {$130.00} {$410.00} {$540.00} I have no knowledge of these debts and have never received proper validation or documentation regarding their origin, despite multiple requests to both the debt collectors and the three credit bureaus. I have made repeated disputes with all three major credit bureaus. Some of the bureaus have removed the some of accounts due to lack of proper validation. However, Equifax and Experian continues to mark these accounts as verified without providing any proof of the investigation or how the accounts were verified. 
I have also contacted the collection agencies directly and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), yet I have never received a response or any supporting documentation. Despite the failure to provide proof of the debts, Equifax continues to allow these unverifiable accounts to remain on my report. 

I am requesting that the CFPB investigate this matter, as I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA have been violated. 

Specifically : I have not received verification of the debts upon request. 
Equifax has not provided any investigative findings despite my requests for information on how these accounts were " verified. '' These accounts appear to be inaccurate, unverifiable, and potentially fraudulent, yet Equifax continues to report them. 
These inaccuracies are negatively affecting my credit score and my ability to obtain credit. I am asking that you compel Equifax to : Provide full documentation of how these accounts were verified. 
Remove the accounts from my credit report unless proper documentation is provided. 
Take appropriate corrective action in compliance with the FCRA and FDCPA. 
Please let me know if any additional information is required to move forward with this complaint. I appreciate your time and help in resolving this matter.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing fraudulent accounts listed on my credit report. These accounts are not mine, were never authorized, and represent false and damaging information. Their inclusion is harmful and undermines the accuracy of my 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX XXXX in XXXX from XXXX Mercedes-Benz XXXX XXXX XXXX XXXX IL ) . Since purchase, the car has had repeated electrical/engine issues resulting in 15+ dealer service visits and ~100 cumulative days out of service. Symptoms include intermittent no-unlock/no-start, instrument-cluster flicker with electrical warnings, check-engine light, hesitation/limited power, and A/C inoperative ; a current recall also limits normal operation ( XXXX XXXXXXXX ) pending a remedy. Issues have recurred after prior repairs ; all work has been at the authorized dealer and is documented. 

Financial harm ( ongoing ) : I continue to make the monthly finance payment ( ~ {$2300.00} ) and full insurance on a vehicle I often can not use. I have incurred out-of-pocket expenses ( rideshare/rental/towing ) during service periods, plus diminished value from repeated defects. I have paid ~ {$83000.00} to date while being without the vehicle for extended periods, including no use for all of XX/XX/XXXX. The dealer recently demanded I remove the vehicle or pay storage fees despite the unresolved warranty dispute, increasing financial pressure. 

Dispute status : Mercedes-Benz XXXX denied repurchase and instead offered small goodwill options that do not address the extended loss of use and carrying costs. I am seeking repurchase/restitution ( refund of amounts paid, loan payoff, and reasonable incidental damages ) or a resolution that makes me whole. 

Documentation available : purchase/finance records ; repair orders ; recall notice ; communications with dealer/manufacturer ; proof of payments, insurance, and incidental expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for reporting multiple inquiries on my credit report that I did not authorize. These inquiries are incorrect, and they are negatively impacting my credit score. 

Examples of unauthorized or inaccurate inquiries include ( not limited to ) : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), and many others. 

Equifax : 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 XXXXXX/XX/XXXX ), and others. 

These inquiries were not authorized by me, and I did not give permission for these entities to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to ensure that all reported information is accurate and to protect consumer data from unauthorized access. 
Requested Resolution : Immediate deletion of all unauthorized and inaccurate inquiries from my credit reports.

Written confirmation that these inquiries have been removed.

Assurance that stronger safeguards will be applied so my credit report is not released without my authorization in the future. 

Respectfully, 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