vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX You Are Now in Violation of Multiple Federal Laws : FCRA 1681e ( b ) You must report only accurate and complete information. Reporting a late payment without verifying proper notice is inaccurate.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report responsibly. Reporting a consumer late without notice is irresponsible and unlawful.

FCRA 1681i ( a ) You are required to reinvestigate disputed items. If no supporting documentation exists, the item must be deleted.

15 U.S.C. 1666B Late fees and penalties can not be imposed unless the consumer is properly notified of due dates in a timely manner. Failing to meet this standard qualifies as a billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Months ago I walked into a XXXX XXXX Chase bank and I told them to shut down my bank account as I went there in person myself and withdrew everything to take to another bank and today I get a letter in the mail from Chase bank that states they have not shut it down still and that there is a negative balance on top of them not shutting it down and calling them on the phone about it and I have XXXX and do not appreciate their lack of customer service and discrimination and left their bank after they did not make it easy when I was being scammed and their lack of customer service in California made it worse * CAN YOU XX/XX/XXXXDOWN THIS BANK ACCOUNT AND WIPE THE FUNDS THIIS IS CAUSING ME DISTRESS AND THE COST OF LIVING HERE AND BUDGET AND HOMELESSNESS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MA

Complaint narrative:
Dear Credit Bureau Representative, I am writing to dispute and request validation of certain accounts reported as late or delinquent on my credit file. Upon review, I identified entries that appear to be inaccurate, outdated, or unverifiable under the Uniform Fair Credit Reporting Act ( XXXX ) 1681s-2 ( a ) and the Metro 2 Reporting Compliance Guidelines.

At this time, I am in active deferment with several creditors. Any notation of missed or late payments during this deferment period is factually incorrect and violates FCRA and Metro 2 accuracy standards, which require furnishers to report deferment status accurately and suspend delinquency reporting during approved deferment periods.

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all furnished data are complete, accurate, and verifiable. Several of the accounts in question appear to have been re-aged or misclassified, contrary to Metro 2 guidance prohibiting modification of delinquency dates or continued reporting of non-current accounts.

Furthermore, following the AFT lawsuit and subsequent compliance directives, furnishers and credit bureaus were explicitly reminded of their duty to validate every consumer debt prior to continued reporting and to delete any unverifiable or non-compliant data.

Accordingly, I request that you : Validate each reported account ( including creditor name, account number, date of first delinquency, payment history, and balance ).

Correct or remove all inaccurate or unverifiable entries inconsistent with UFCA 1681s-2 ( a ), FCRA 611, and Metro 2 standards.

Provide written confirmation of your investigation within 30 days.

If these accounts can not be verified or updated accurately, they must be deleted from my credit file in compliance with federal law.

CFPB Complaint Notice If the inaccuracies are not corrected within the required timeframe or if validation is not provided, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). This complaint will include documentation of this certified dispute, supporting records of my deferment status, and evidence of non-compliance with UFCA 1681s-2 ( a ), Metro 2 Reporting Guidelines, and the enforcement actions stemming from the AFT settlement. I am prepared to pursue all appropriate remedies under the FCRA to ensure my credit record reflects only accurate and verifiable information. 
Thank you for your immediate attention. I expect written confirmation of receipt and investigation results within the statutory XXXX period.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am submitting to formally dispute certain items that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. Additionally, under FCRA 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-27 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 



FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 



FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-27 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Transunion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX ), and the XXXX XXXX credit reporting XXXX. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my Transunion credit file. 
These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX XXXX ), and the XXXX XXXX credit reporting XXXX. 
This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code XXXX Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-10-27 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: TX

Complaint narrative:
I am sending as a concerned consumer to formally dispute certain information appearing on my credit file that I believe to be inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), every consumer is entitled to fair and equitable treatment regarding the collection and use of their credit information. Additionally, FCRA 611 ( A ) grants me the right to dispute any data that can not be verified as accurate. These inaccuracies have caused unnecessary harm to my credit standing and do not reflect my true financial history. I am respectfully requesting a complete reinvestigation of the disputed information and the permanent deletion of any data that can not be verified in full compliance with federal law XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX Balance {$620.00} XXXX XXXX XXXX Balance {$3900.00} XXXX XXXXXXXX Balance {$30000.00} XXXX CARD XXXX Balance {$7900.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$11000.00} XXXX XXXX XX/XX/year>.

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 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am not currently represented by an attorney. My previous attorney, XXXX XXXX, only assisted with correspondence in XX/XX/XXXX and is no longer representing me. All communications should be directed to me directly. 

This complaint is a continuation of my previously filed case ( XXXX XXXXXXXX ), which was closed without a substantive response. The companys only reply was, Our notes indicate the consumer is represented. Can the consumer please confirm, which failed to address any part of the documented violations or evidence provided. 

Fair Collections & Outsourcing ( FCO ) reported a {$14000.00} collection to XXXX XXXX  and XXXX without ever contacting me or providing the legally required notice of my right to dispute the debt. I was never called, mailed, or emailed before this tradeline appeared. This alleged debt stems from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Their own maintenance lead, XXXX XXXX, documented during my XX/XX/XXXX move-out inspection that my unit was left in satisfactory condition, needing less than {$500.00} in minor repairs. Despite this, XXXX issued a {$14000.00} balancein retaliation after a separate billing dispute where my father was incorrectly charged six months rent and XXXX  management was reprimanded. 

In XX/XX/XXXX, I hired my attorney, XXXX XXXX, to handle communications with XXXX. He repeatedly requested proof that I was contacted before XXXX reported the account, but XXXX failed to provide any evidence. Instead, on XX/XX/XXXX, XXXX sent a Verification of Debt letterafter reporting the tradelinea direct violation of FDCPA 809 ( b ). I disputed the account with all three credit bureaus. After reviewing my evidenceincluding the inspection report, photos, signed testimony, and attorney correspondenceXXXX deleted the tradeline, while XXXX  and XXXX continue to report this invalid debt, harming my credit and housing eligibility. 

No judgment was ever filed because the apartment was left in satisfactory condition, and XXXXto would not have prevailed in court given the inspection findings and photographic evidence. XXXX  conduct reflects a known pattern of illegal behavior. In XXXX, the CFPB fined XXXX {$850000.00} for nearly identical violations, including reporting inaccurate information and failing to notify consumers of their rights. 

This continuation seeks a full review of XXXX ongoing noncompliance and CFPB oversight of the companys pattern of violating FDCPA 809 ( b ) and FCRA 1681s-2 ( a ).

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 2025-10-27 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: NM

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding XXXX Application Processing Delay with MOHELA from XX/XX/XXXX XX/XX/XXXX Dear XXXX XXXX XXXX and To Whom It May Concern : I am writing to file a formal complaint regarding the substantial and ongoing delay in the processing of my Income-Driven Repayment ( IDR ) application by my student loan servicer, MOHELA in XXXX XXXX and early XXXX. Despite my diligent efforts, my application was not processed in a timely manner, and MOHELA 's communication has been confusing and ineffective. 

After the IDR processing pause ended, I first submitted my IDR application via XXXX website on XX/XX/XXXX. When submitting this request, I also allowed Mohela access to my income information through the IRS. 

Following the initial submission, my application remained pending for XXXX months. When I called MOHELA to check the status, I was told that is was being processed and would take up to XXXX days. I have logged multiple attempts to follow-up and resolve this in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I experienced both financial and emotional stress as a result of this delay. The lack of transparency and consistent guidance from MOHELA has exacerbated this issue. I have diligently continued to pay my monthly student loan balance so as to get IDR payment count and credit towards my loans. In early XXXX, I found out that I was on track to receive forgiveness in XX/XX/XXXX. However, with XXXX delay in processing my IDR plan request, all of my payments from XXXX XXXX XXXX did not count towards my forgiveness under IDR. 

On XX/XX/XXXX I decided to re-apply to my request for the IDR plan and this application was processed in a few months and I began making payments in XX/XX/XXXX. 

I ask that the XXXX XXXX XXXX office investigate this matter immediately and take action to ensure that I will be given IDR credit for the loan payments that I made from XXXX XXXX. I have fulfilled all my obligations as a borrower and expect my loan servicer to do the same. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Validation of Debit Transaction Dear XXXX We are writing to request your confirmation and validation regarding a recent debit transaction on your account with us. This is in accordance with our policy to ensure accuracy, security, and compliance with financial regulations. 
Details of the transaction in question are as follows : Transaction Date : XX/XX/XXXX Transaction Amount : {$15000.00} Debit Card/Account Number : XXXX Merchant/Payee Name : Toyota Motor Credit Please review the details of this transaction and confirm the following : XXXX. Whether you authorized this debit transaction. 
XXXX. If the transaction was completed successfully. 
XXXX. If any discrepancies or issues have occurred related to the transaction. 
If we do not receive a response from you within 30 days of the date of this letter, we will assume that the transaction is valid and no further action is needed. 
Thank you for your attention to this matter. We value your continued trust in our services. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX and my XXXX rent check issued via my PNC checking account was stolen. 

In XX/XX/year> my wife noticed that the rent due amount was significantly higher than normal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed they never received XXXX rent, which was mailed XX/XX/year>. PNC confirmed on XX/XX/year>, that check number XXXX, for {$2100.00} was cashed on XX/XX/XXXX at a XXXX XXXX in XXXX XXXX  Signed by someone who does not work for XXXX XXXX XXXX XXXX We filed an affidavit as advised by PNC in XX/XX/year>, claim # XXXX. 

There was an error in the amount, and the affidavit was resubmitted later this same month. We received a receipt in XX/XX/year> that there is an ongoing investigation. I went in person in XXXX and XXXX and spoke with a banker at the XXXX XXXX PNC at XXXX XXXX who said the claim is under investigation and I will have an update soon. It is now almost XXXX, with no update when the evidence PNC shared on XX/XX/XXXX was cut and dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing debts being reported/collected against me. I do not believe these debts are valid and request full validation under the Fair Debt Collection Practices Act ( FDCPA, 15. U.S.C 1692G ). The collector has not provided-sufficient documentation to prove I owe this debt, including the original agreement, itemized accounting, or proof of ownership of the account. I request that the CFPB require the collector/creditor to provide full validation and investigate whether the collection activity complies with the federal consumer protection laws. Until validation is provided, I request that all collections and reporting activity stop.

Company response to consumer: Closed with non-monetary relief