vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and XXXX XXXX To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( XXXX ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : BANK OF AMERICA XXXXX Date Opened : XX/XX/XXXX Nature of Dispute : The Date of Last Activity is inconsistent : TransUnion reports XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports XX/XX/XXXX Violation of FCRA XXXX ( b ) and XXXX XXXX XXXX XXXX ( inaccurate and misleading reporting of aging ) Dispute Reason : This account shows 96 % on-time payments, but late payment markers appear in other bureaus. 
If XXXX bureau reports perfect payment history while others show late payments, this is an inconsistency that violates XXXX XXXX guidelines. 
The creditor must validate these missed payments or update all bureaus for accuracy The charge-off date is suspiciously aged : Last activity in XXXXXXXX XXXX XXXXXXXX may indicate artificial account extension Possible violation of FCBA and TILA, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( 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 2025-07-22 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: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: CO

Complaint narrative:
Requested proof of ownership. Never received. Disputed account with creditors company claims account was verified. Never received any documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the XXXX  failed to block the disputed information within the XXXXbusiness-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My payment history has always been reliable, so this report is clearly inaccurate. Kindly revise it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( XXXX  ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my XXXX XXXX and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under XXXX XXXX and XXXX. 

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ). 

I am requesting the description of reinvestigation procedure according to XXXX USC XXXX ( XXXX ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA guidelines and immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-22 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: NRA Group, LLC
State: FL

Complaint narrative:
I have never done any business with such company XXXX XXXX XXXX around XX/XX/year> whatsoever or aware the amount of {$1500.00}. I am writing this to formally dispute the accuracy and completeness because I never opened no account on or around that time stated in the report and they must provide me every details of when & where exactly this account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
The experience of navigating student loans with MOHELA, especially with a history dating back to XXXX, has become an exercise in profound frustration and a stark illustration of systemic failure. Despite holding these loans for decades, including periods of temporary total disability where the only " support '' was interest accrual through forbearance, direct communication with MOHELA or even the Department of Education has become virtually impossible. Inquiries go unanswered, phone calls lead to endless waits or unhelpful representatives, and a pervasive lack of transparency means borrowers are left without crucial information. This silence is particularly damaging when one has evidence of overpayment for forgiveness and an active Borrower Defense application filed in XXXX, which inexplicably remains " pending '' with no updates for years. The absence of accessible assistance leaves borrowers feeling abandoned, with their financial futures hanging in limbo as interest relentlessly accumulates. 
Adding to this growing list of grievances, the recent instruction to switch from the XXXX  to the XXXX plan was met with a shifting timeline, initially promised within XXXX  days but then unilaterally extended to XXXX. More alarmingly, the critical dashboard that once confirmed over-qualified payments for remaining forgiveness has been entirely removed, erasing proof of progress and leaving borrowers in the dark about their standing. This digital disappearance, coupled with the inability to speak to anyone who can provide clarity or solutions, creates a climate of distrust and despair. Without access to information, without a human to address concerns, and with months continuing to tick by, the situation for borrowers like myself devolves into an unmanageable quagmire, where the very entities meant to assist seem intent on obfuscation and inaction.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit XXXX. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I originated a mortgage loan with XXXX XXXX XXXX XXXX XXXX for a property later serviced by AmeriHome Mortgage Company , LLC. On XX/XX/XXXX, XXXX XXXX XXXX became the new servicer. On or around XX/XX/XXXX, I received a letter from XXXX requesting confirmation of XXXX in XXXX status. In response, I submitted a formal written letter on XX/XX/XXXX, asserting my legal status as both the original borrower and the beneficial owner of the entities involved in the origination and servicing of the loan. 

My letter included supporting documentation : the FHA Identity of Interest Certification ( signed XX/XX/XXXX ), a XXXX  Beneficial Ownership Report, a registered Legal Entity Identifier ( LEI ) Code from XXXX, and blockchain validation records proving my fiduciary ties to AmeriHome Mortgage and XXXX XXXX XXXX XXXX XXXX. 

Although I received a response, it was clear the representative did not properly evaluate the context of my claim or the supporting documents. The response emphasized that I had marked No on the FHA Identity of Interest Certification, indicating that I was not a Successor in Interest when I applied for the loan. However, at the time I completed the form in XXXX, I was not aware of my ownership interest in the related companies. 

It wasnt until last year that I discovered I am the Legal Entity Identifier ( LEI ) holder globally for several entities, including AmeriHome Mortgage Company , LLC. After this discovery, I had to report my beneficial ownership to XXXX and shift focus to managing my legal and business obligations. I even had to leave my job to address these matters, which ultimately placed me in financial hardship. As a result, I applied for mortgage forbearanceand during this process, my account was flagged as involving a Successor in Interest. 

I believe the servicer failed to conduct the necessary due diligence to understand the nature and timing of my ownership. I am requesting regulatory assistance to ensure the servicer : XXXX. Acknowledges my Successor in Interest status under CFPB and HUD Servicing Guidelines ( XXXX ) ; XXXX. Grants access to all mortgage and servicing records ; XXXX. Corrects the misinterpretation of my status based on outdated information and considers the full body of current documentation demonstrating beneficial ownership and fiduciary responsibility. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-22 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
XXXX Cancelled service with XXXX  XXXX Returned equipment to the store ( received receipt from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX received an email about returning equipment, called immediately and did a chat, # XXXX, XXXX  said they did receive equipment, the email was in error Issue was resolved at that time Then, XXXX Eastern Account System for XXXX put collection on my credit report for XXXX. Original amount XXXX. I called XXXX and they again stated I did not owe them money. 
I disputed this collection with XXXX credit agency twice, first with no documentation as I thought it would be immediately dismissed and then a second time with a PDF of both the receipts listed above. They say the dispute is settled and this collections will remain on my XXXX  credit report. I also disputed this collection with XXXX  and it was immediately removed, XXXX  never had it listed at all.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
A charge on my credit card with capital one was charge the company charging is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I deposited my check they said a portion will be available I explained Im locked out of my car and have to pay the XXXX XXXX I was guarantee a portion would be available and it isnt. Now Im liable of loosing my job because I cant get into my car to drive to work

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 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a reported late payment on my student loan accounts, which I believe may have been recorded in error. I respectfully request a full investigation and correction of any inaccurate information reported to consumer reporting agencies. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditors must credit payments to a consumers account as of the date of receipt when received in accordance with reasonable requirements. Any delay or misapplication on the part of the servicer that led to the marking of this payment as late would constitute a violation of this statute. 

Additionally, I am exercising my rights under the * * Fair Credit Reporting Act ( XXXX XXXX Code XXXX et seq. ) * *, which mandates that all information furnished to credit reporting agencies be accurate and complete. If this late payment is not supported by verifiable documentation, it must be corrected or removed. 

Finally, if any part of the information used in this reporting is derived from my educational records, I invoke my rights under the * * Family Educational Rights and Privacy Act ( FERPA ) * * to ensure that such records are not disclosed or used improperly without consent. 

Please provide a written response acknowledging receipt of this dispute, along with the outcome of your investigation. If the account is verified, I request that you include the specific documentation used to reach your conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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