vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I am disputing the XXXX XXXX auto loan on my credit report because the information being reported is clearly inaccurate. The account was charged off in XX/XX/XXXX, and the lender stopped reporting at that time. Despite this, my credit report is showing monthly updates and charge-off entries for XXXX, XXXX, and XXXX. That is impossible. A charged-off account can not show new activity or payment history years after the charge-off date. 

Because these updates are not real, can not be verified, and violate FCRA accuracy requirements, this account must be removed from my credit report. I am requesting its immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple addresses that do NOT belong to me, specifically addresses located in : Alabama Michigan West Virginia I have never lived in any of these states. These inaccurate addresses appear to be the result of a mixed file, incorrectly matched credit data, or identity confusion created by the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to maintain accurate personal identifying information. Reporting addresses that are not mine violates the accuracy requirements of : FCRA 602 ( a ) consumer reporting must be accurate FCRA 603 ( d ) consumer information must be properly matched FCRA 607 ( b ) bureaus must follow reasonable procedures to assure maximum accuracy FCRA 611 bureaus must conduct a reasonable reinvestigation when disputed Because of these incorrect addresses, negative or questionable reporting may also be showing on my report, connected to information that is not tied to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am filing a complaint regarding MOHELAs ongoing failure to correct negative balances on two of my federally serviced loans and transfer the overpayments to my remaining loans with the highest interest rates. MOHELA has provided inconsistent information, repeatedly extended timelines, and refused to escalate the issue despite the financial harm it is causing.

I have eight loans with MOHELA. Loans 7 and 8 are fully paid off. Loans 1 and 2 currently have negative balances due to overpayments : Loan 1 : {$1000.00} Loan 2 : {$1400.00} On XX/XX/XXXX, I requested that these negative balances be transferred to my outstanding loans with higher interest rates ( Loans 5 and 6 ). MOHELA confirmed the request and told me to call back in two weeks if I did not see the transfer applied.

When I called back two weeks later, MOHELA stated that the process takes up to 90 business days, which was never mentioned during the original request.

On additional follow-up callsincluding one in XX/XX/XXXX and another on XX/XX/XXXX, XXXX received contradictory information. In XXXX, I was told that interest would continue to accrue on my remaining loans while I wait, which discourages me from making additional payments because I fear the overpayment will be mishandled. However, on todays call, I was told that interest would later be removed once the transfer is completed. 

The most recent representative also stated that 90 business days brings the processing date to XX/XX/XXXX, and MOHELA will not take any further action or escalate the issue until that date has passed. 

MOHELA representatives stated that the delay is due to the Department of Education and the Treasury needing to review the adjustment, but the lack of transparency, shifting explanations, and refusal to escalate is unreasonable. 

This issue is preventing me from paying down my remaining loans because I do not want to create further negative balances or risk waiting months for resolution. I have seen numerous similar complaints from other borrowers who waited months or years for their overpayments to be corrected, which increases my concern.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year> - XXXX inquiry was not authorized. 
XXXX XXXX - XX/XX/year> - XXXX inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am submitting this complaint regarding my U.S. Bank Business Triple Cash Rewards credit card account. 

My account became past due earlier this year. On XX/XX/year>, I contacted U.S. Bank to bring the account current. During that phone call, the representative waived three existing late fees and also spoke to a supervisor that once I made the reinstatement payment, any remaining late fee that appeared on my XXXX statement would be reviewed and waived after it posted. This supervisor mentioned to give call back on Wed XXXX XXXX which i did. Based on that instruction, I paid the full reinstatement amount on XX/XX/XXXX, and the account was brought current. 

When the remaining late fee posted on XXXX XXXX, I contacted U.S. Bank as instructed. However, I was told that they could not waive any additional fees, and multiple supervisors stated they did not see the notes from the original supervisor who made the agreement. I also contacted regular customer service, who told me they do not have the authority to remove it. I have now been transferred between departments with no resolution.

I am not disputing the principal balance I already paid it in full. This complaint is specifically about the trailing late fee, which only exists due to the billing cycle timing, not ongoing delinquency. I relied on U.S. Banks prior instruction that it would be reviewed and waived after posting. The inconsistent information and refusal to honor the instructions they provided has left me without a clear resolution. 

I am requesting that U.S. Bank honor the original representation made to me on XX/XX/XXXX and remove the final late fee that appeared after the account was cured. I am also asking that the account not be negatively reported to any personal or business credit bureaus, as the past-due balance was resolved as instructed. 

Thank you for reviewing this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report XXXX XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/XXXX I called in to make a XXXX payment for XXXX unfortunately I put down the wrong month XXXX which resulted in a 30-day late payment I have never been late in the three and a half years I've had this card I just put down the wrong date to make a payment and they won't remove the 30-day late payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My credit card account was closed by the company. They stated my account was exceedingly high with in the time it had been open. The fact the account has been open for over 21 years and never exceeded the limit. Payment was made in the amount of {$16000.00} on XX/XX/XXXX. The credit card amount total was XXXX. With a credit limit of XXXX. The account was closed by the bank XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Two ( 2 ) hard inquiries from XXXX XXXX XXXX  on XX/XX/2025, and a second one on XX/XX/2025. I did NOT make any credit requests to this bank, nor have I ever contacted them in any capacity. 

One ( 1 ) hard inquiry from CAPITAL ONE on XX/XX/2025. I did NOT make any credit requests to this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: PA

Complaint narrative:
I contracted with Level One Law to reduce my debit and provide legal representation if needed. I paid them monthly fee for services and debit reduction so they could negotiate with my creditors. No services were ever provided. I received numerous collection calls and then 2 companies suited me for collection. I contacted Level One Law, and they informed me a lawyer would be assigned to handle each case, but none was ever assigned. Then in XXXX of last year I was informed that Level One Law would no longer be representing me, or any other of their contracted clients. They have since stopped all communications. A class action lawsuit has been entered against them I want my fees back and a settlement for the damage they have done to my credit and my life. The harassing phone calls and mail continue to this day. I am reaching out to wherever I can to make sure I am included in the class action suit and warn others of this scam.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
I am filing a complaint against Vance & Huffman , LLC because this company is reporting a collection account that is not validated, not legally verified, and was never properly noticed to me as required by federal law.

I NEVER received any written notice before this was placed on my credit report which is a direct violation of FDCPA 809 ( a ). They also continue to report and attempt to collect without providing a single piece of legally required validation.

I have requested validation multiple times. It has been well over 30 days, and Vance & Huffman has failed to provide ANY of the following required documents : Required Verification They Failed to Provide ( Validation Law Under FDCPA 809 ( b ) ) A copy of the original signed contract or lease A full itemization/ledger showing how they calculated the alleged balance Proof of assignment or legal ownership from the original creditor The name, address, and license number of the collector Complete account history from day one Evidence the amount is accurate and legally owed Sending a statement, invoice, or basic printout which is what they typically do is not verification under federal law.

I did my research on your company and I know you've been sued multiples times for : FDCPA violations ( harassment, false statements, unlawful collection attempts ) Misleading us the consumers about the amounts owed Failing to provide validation Threatening legal action you can not take Improper credit reporting practices They have a long history of non-compliance, and my experience is consistent with those same patterns.

Violations in My Case : 809 ( a ) No written notice within 5 days of initial communication 809 ( b ) Continued collection without validation 807 Misleading representations 808 Unfair collection practices FCRA Violations 607 ( b ) Failure to report accurate, verifiable information 611 ( a ) Failure to reasonably investigate disputes Metro 2 Violations Reporting an account with no documented ownership, no contract, and no validation Furnishing information with no certified accuracy, which violates Metro 2 formatting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I dispute the following accounts as they contain inaccurate or outdated information. I request that they be investigated and corrected or removed immediately. 

Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$700.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$750.00} Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MN

Complaint narrative:
XXXX XXXX makes it very difficult to make payments. Today XXXX I tried to make a payment of XXXX. 
I called a customer service XXXX They couldn't take my savings account payment which I have used many times ( There is no issue with my savings acct. ) Then they asked for a debit card, I only have a credit card, they can't take that either. Then I suggested the pay cash at ( XXXX  ) At the XXXX near me. 
They, XXXX XXXX couldn't get me the XXXX code. Then I went out of my way to buy A prepaid debit card to make my payment I called in to XXXX XXXX at approximately XXXXXXXX XXXX XXXX XXXX. 
The customer service XXXX XXXX they couldn't Take the prepaid debit card I bought and loaded with money to pay them. That person hung up on me when I got mad. Then I called the supervisor I had talked to earlier, his direct number he gave me. He never returned my call As of now. 
I appears they don't want my payment.. 
I have tried and tried to pay this. They need an easier payment system. I have had several problems trying to pay them. They just seem to try to make it difficult. 
I would never recommend this finance company to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am writing to dispute the following accounts and inquiry on my credit file with Equifax. These entries are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Bank XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief