vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is reporting a fraudulent and unverifiable account on my consumer credit file. 

Creditor/Agency Name XXXX XXXX Amount Reported : {$2800.00} Status Reported : Closed Credit Bureaus Reporting : TransUnion ( and potentially XXXX ) This account is not mine and has not been validated in compliance with federal law. I have disputed this account with the credit bureaus and submitted an identity theft report, government-issued identification, and proof of address. Despite these disputes, the account continues to appear on my credit file. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires consumer reporting agencies to block and delete fraudulent accounts within 4 business days when an identity theft report is submitted.

FCRA 15 U.S.C. 1681i : Requires a reasonable investigation of disputed information within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits the furnishing of false, deceptive, or misleading information regarding a debt. 

By allowing this account to remain, XXXX and the credit bureaus are in violation of federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit reports.

Written confirmation of deletion provided to me.

Enforcement action against XXXX for violations of the FCRA and FDCPA.

This account is fraudulent, unverifiable, and is causing ongoing damage to my credit profile. I request CFPB enforcement to ensure compliance and removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Old information from several companies on my reports. 
Closed accounts XXXX XXXX XXXX Incorrect reporting and closed ) Selene Finance ( Incorrect reporting and closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit opportunities. It is my understanding that my account will be investigated for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
NAME : SYNCB/PAYPAL ACCOUNT 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 2025-08-31 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX [ XX/XX/XXXX ] Equifax Information Services, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am formally disputing the following derogatory items on my Equifax credit file. Each is reported inaccurately, incompletely, or without proper verification in direct violation of the Fair Credit Reporting Act ( FCRA ) and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). 



Accounts in Dispute 1. XXXX XXXX ( Acct # ending XXXX ) Reported as a collection account with {$2600.00} balance, but no collector identified.

Lacks proof of assignment, ownership, or contract.

Violations : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ; FDCPA 807.

Demand : Permanent deletion. 



XXXX. XXXX XXXX  XXXX XXXX ( Acct # ending XXXX ) Account closed in XXXX, but late payments still reported in XXXX, which is impossible. 
Improper re-aging of delinquency extends reporting period.

Violations : FCRA 607 ( b ), 611 ( a ), 605 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ).

Demand : Permanent deletion. 



XXXX. XXXX XXXX XXXX XXXX Acct XXXX ending XXXX ) Listed as charge-off/collection, yet also paid, {$0.00} balance, and closed. Contradictory. 
Duplicate derogatory notations across multiple years ( CO repeated ).

Violations : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ; FDCPA 807. 
Demand : Permanent deletion. 



XXXX. XXXX XXXX XXXX ( Acct # ending XXXX ) Reported as unpaid collection ( {$180.00} ), but lacks validation, chain of title, or signed contract. 
Report states previously disputed resolved by data furnisher without providing validation.

Violations : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ). Demand : Permanent deletion.

Legal Basis FCRA 607 ( b ) requires maximum possible accuracy.

FCRA 611 ( a ) requires reinvestigation and deletion if unverifiable.

FCRA 605 ( a ) ( 5 ) prohibits reporting outdated derogatory information.

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing incomplete/inaccurate information.

FDCPA 807 & 809 ( b ) prohibit deceptive reporting and require validation of debts.

FCRA 616617 establish civil liability for negligent or willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX  XXXX accounts that were previously deleted were illegally reinserted on my credit reports without the required notice under FCRA 611 ( a ) ( 5 ) ( B ). I never received correspondence or disclosure of the methods used to verify these accounts. The accounts are being inaccurately reported as Collection/Chargeoff while simultaneously carrying active balances and inflated utilization percentages over 120 %, which is misleading and unlawful under FCRA 623 ( a ) ( 1 ) ( A ). No proper validation has ever been provided, only parroting of unverifiable data, in violation of FCRA 611 ( a ) ( 1 ), and the CRAs have failed to supply the required methods of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Additionally, my rights under FCRA 605B ( 4-day block and delete ) were ignored despite clear disputes. I am demanding permanent deletion of these tradelines, full compliance with FCRA, and written confirmation that they will not be reinserted without lawful notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in an XXXX XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I identified several accounts that I am familiar with. I have requested validation of these debts from your agency, but to date, the information has not been provided. 

As my personal Information was compromised, I have filed a complaint with the Federal Trade Commission ( FTC ) regarding the fraudulent accounts appearing on my credit file. 

Enclosed please find supporting documentation : -Copy of my Government-Issued Identification -Copy of my Social Security card -Copy of my FTC Identity Theft Report -Copy of my Affidavit of Identity -Copy of my most recent Utility Bill I demand that these accounts be blocked and removed immediately from my credit file. Please provide written confirmation that these items have been deleted and send me an updated copy of my credit report. 

Thank you for your prompt attention to 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 2025-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I attempted to make my regular mortgage payment using my lenders mobile app, website, and automated phone system. Each attempt was declined, and I received error messages stating the payment did not process. I saved screenshots of these messages. 

However, shortly afterward, I received notifications that multiple scheduled mortgage payments were created on my account, even though I only attempted to make a single payment and all my attempts had been declined. 

This error has created significant concern about potential duplicate withdrawals, overdrafts, incorrect balances, and damage to my account standing. I immediately contacted my mortgage company and have not received a response.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I paid a shipping company to ship my goods from XXXX to XXXX XXXX, they then lost the goods and said they will do a full refund of item value and the shipping value, so I paid them the shipping fee from my private pay pal account and I paid the supplier for the goods from my business account a direct bank transfer o when XXXX XXXX lost the goods they said they will do a full refund so the item value was XXXX and the shipping fe XXXX usd they said they would refund me the item value of XXXX and then future discounts on the shipping fee so, I asked them to please sent the item value amount back to my business account as thats where it came from but they said not it will take to long and bank charges I said I dont mind paying bank fee but they where really against that so I then set up a pay pal account for my business so they can send the refund however I still had to pay the charges so I only recived XXXX USD out of the XXXX usd we then both agreed on our messages that the item value has been refund and it just the shipping value left, which they said will be refunded via 5-10 % discounts on future shipment I then said thats not fair I accepted less for the item value refund and accepted the pay pal charges and I think they should make it 15-20 % they then said no the refund method is concluded while clearly it wasnt, so after not reaching an agreement on the shipping amount I opend a dispute on pay pal and won it rightfully so, however some after I won that case they then opened a dispute on pay pay for the XXXX USD item value refund they sent me, because they could open a dispute as they very cleverly sent they refund to me as a goods and services on pay pal which then let them have buyer protection, eve though they know they did not buy anything and then in there info they put they then regard to me as the customer and that I cheated them and that they firstly refunded me while that is not true the first refund what the XXXX and it was a partial refund as it only covered the item value and I was still owed the shipping value and pay pal are entertain this fraudulent behavior on their platform and have had my funds frozen for a month now!! And even asking them for more info on the case,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Our company XXXX XXXX XXXX XXXX, a trucking company had been encouraged to apply for a business credit card for our drivers use for fuel for several years by our PNC Bank business banker. The card we were told would benefit us greatly for safety of our account, we would earn points etc. I had been reluctant to open the card because we pay for our fuel daily and I didn't want to incur debt however we were told the balance could be paid daily and again the safety of the account was stressed by PNC. I did apply for the card with the business banker. We have two companies banking with PNC Bank. XXXX XXXX XXXX XXXX has been a customer since XXXX and XXXX XXXX XXXX a freight brokerage since XXXX. At the present time and several years prior, between the two companies we are depositing over XXXX XXXX in sales. This year may be over XXXX XXXX. A significant amount in my opinion. Both companies have established credit and never had any negative account issues. We were told the card was denied based on the industry. I feel this is unfair discrimination, that had they looked at all at our companies, we are credit worthy. This frustrates me greatly after being sold on the benefits of the card etc. I am asking for help to resolve this unfair decision. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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 am DEMANDING COMPLIANCE and would like for these accounts to be REMOVED & BLOCKED from my credit file in which you are OBLIGATED to within 4 days as they are being reported inaccurately and a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( FCRA 605b ). Also, DEMANDING COMPLIANCE for the MOD ( Method of Verification ) in the investigation results.

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 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am disputing a collection account being reported by Credence Resource Management for an alleged XXXX XXXX XXXX debt of {$60.00}. I have never had an XXXX XXXX XXXX account in my name and do not recognize this debt. I discovered it on my XXXX  credit report in XX/XX/year>. 

I already filed a dispute with XXXX, but Credence is still attempting to collect. Credence has a history of consumer complaints for attempting to collect debts that are not valid, and I believe this is either a case of mistaken identity or identity theft. 

This account is damaging to my credit and is being reported inaccurately. I am requesting that Credence Resource Management be required to provide full validation of this alleged debt, including original account documentation with my name, or else have this account removed from my credit report. 

I would also like the CFPB to review this companys practices, as they appear to be reporting debts without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint against my federal loan servicer ( MOHELA ). 

My federal student loans originated in XXXX, and I have made approximately XXXX payments since that time. However, my servicers records reflect only XXXX payments, and they have informed me that they only have information dating back to XXXX. This is a material error and directly affects my eligibility for loan forgiveness. 

I am enrolled in an Income-Driven Repayment ( IDR ) plan. However, my account still shows a payment due of {$96.00}, despite my IDR application being under review. This contradicts Department of Education guidance, which states that borrowers with pending IDR adjustments should not be penalized with current payment demands. 

My account also reflects participation in both Public Service Loan Forgiveness ( PSLF ) and the SAVE program, yet : * No qualifying PSLF months have been credited to my account. 
* My SAVE program payments and months have not been properly counted. 
* My full loan history from XXXX is missing, preventing me from verifying accurate application of payments. 

I have called MOHELA multiple times and specifically requested my full account information, but they have not been able to provide it. I have not received a written response, an email, or any documentation showing my complete loan history despite my repeated requests. 

Requested Resolution : XXXX. A complete and certified payment history from XXXX to present, including records from all prior servicers. 
XXXX. A reconciliation of qualifying payments toward PSLF and IDR forgiveness, with a corrected qualifying month count. 
XXXX. An accurate determination of forgiveness eligibility, given nearly 30 years of repayment. 
XXXX. Relief from further payment demands until my account is corrected. 

This lack of transparency, failure to communicate, and inability to provide required documentation constitute a violation of my rights as a borrower. I am requesting CFPB assistance to require MOHELA and the Department of Education to provide a full accounting and immediate correction of my loan records.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-31 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: AR

Complaint narrative:
am filing this complaint against Experian for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

I have disputed numerous accounts on my Experian credit report as inaccurate or unverifiable. Instead of properly investigating, Experian has either : Marked the accounts as Verified as accurate without providing documentation, Failed to provide a proper Method of Verification ( MOV ) when requested, or Delayed/stonewalled disputes while maintaining harmful and inconsistent information. 


This pattern demonstrates that Experian is not conducting a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ), is failing to provide meaningful verification under 611 ( a ) ( 7 ), and is failing to ensure maximum possible accuracy under 607 ( b ). 

The disputed accounts include, but are not limited to : XXXX. XXXX XXXX XXXX Reported as repossession, but also listed as current with {$0.00} balance. Contradictory and misleading reporting. 


XXXX. XXXX XXXX XXXX ( XXXX accounts ) Already deleted by XXXX, yet Experian continues to verify without proof. 


XXXX. XXXX XXXX XXXX XXXX buyer with unverifiable collection tradeline, verified by Experian without documentation. 


XXXX. XXXX Closed account with {$0.00} balance still being reported derogatorily. 


XXXX. XXXX  Child Support Reported inaccurately ; Experian verified without providing contractual reporting authority. 


XXXX. XXXX XXXXXXXX XXXX Charged-off account verified despite no original signed agreements or records produced. 


XXXX. XXXX XXXX XXXX XXXX Previously deleted by XXXX, but Experian continues to report/verify. No original documentation has been produced. 


XXXX. All XXXX Accounts Experian continues to carry accounts that have been removed elsewhere, showing inconsistency across bureaus. 


XXXX. Any accounts currently under dispute with Experian that have not been resolved Experian is required to ensure accuracy and can not continue to carry unverifiable items during a pending reinvestigation. 



Violations Include : FCRA 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ) : Failure to provide Method of Verification.

FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of consumer reports.

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