vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
all I know is that I wanted my cc to be paid so national debt relief is taking care of them but for the last XXXX months is been coming out from my checking account number I have the proof but they send me a email this month that they could not take the amount so I called them talk to supervisors talk via chat on their portal explaining why the one person via chat said at the beginning of the agreement they saw the last XXXX of the checking but after that in turn to another account number that is not mine the lady in the chat said that I have proof in the chat but the one supervisor said it was from the biggining was that account that is not mine so one said a different thing is a lot of stress cause of the situation please I need you advice XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I was a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling I lost my laptop, my phone, wallet and all my identity documents which led to unauthorized individual gaining access to my personal information and opening these accounts in my name XXXX XXXX Nissan Motor Acceptanc XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am a consumer who is in the process of fixing my credit, and I would like to dispute several accounts listed on my credit report. Below are the accounts in dispute, organized by each bureau : Charged Off Accounts : US Dept Ed, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXX Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX U.S. Dept of Ed , Account Number : XXXX U.S. Dept of Ed , Account Number : XXXX US Dept Ed, Account Number : XXXX US Dept Ed, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
Under XXXX I qualified for XXXX separate loan forgiveness accounts. After student aide processed necessary forms, they sent them to Mohela and I on XX/XX/XXXX. The eligible forgiveness dates of both loans were dated back to XX/XX/XXXX. As we all know as consumers, you do not allow your loans to go into default etc. I kept paying on my loans until they were " forgiven/written off. '' However, the second loan was not forgiven as requested in documents from XXXX XXXX XXXX. I have called and emailed since XX/XX/XXXX. Today Mohela tells me that they can not reimburse me because it will cause the account to go into delinquency from last payment XXXX to date. Well if I did not pay them, on my own accord, my account would be delinquent as well and wages garnished. XXXX XXXX XXXX was contacted and stated that Mohela had to reimburse me from XXXX up until XX/XX/XXXX. I sent the document from XXXXXXXX XXXX XXXX to Mohela. Still no reimbursement. The request sat there from XX/XX/XXXX until XXXX untouched. XXXX and XXXX were assigned to review the account on XXXX after I had called about 5 times by now and sent XXXX emails. Still no results. I called again XXXX and after XXXX hour of going back and forth from employee to his supervisor, I had to get a call back. This morning at XXXX XXXX  XXXX called to see what I requested. After another XXXX minutes, her unknown supervisor stated that they can't reimburse me because it will cause delinquency on account. It is not my fault that Mohela took 9 months to process my XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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 filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data, including [ specify information if possible, e.g., Social Security number, account numbers ], may have been accessed or used without my authorization.

Under the Fair Credit Reporting Act ( FCRA ) and applicable privacy laws, I have the right to have my information protected and to be notified of any unauthorized use. Therefore, I am requesting that you immediately : Investigate any potential unauthorized access or accounts opened using my personal information.

Correct or remove any inaccurate information appearing on my credit report as a result of this breach.

Provide written confirmation detailing the results of your investigation and the actions taken.

Failure to properly address this matter may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Please treat this issue with urgency and provide confirmation of receipt and investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX of XXXX, I was a victim of a scam. I was given a job opportunity with someone who claimed to work with project XXXX. The job would require me to buy and deliver items to people in my area. I filled out an application online ( via a link sent to my email ) and was onboarded by someone who claimed to be XXXX XXXX. I was in correspondence with this person who then sent me a check via email to deposit into my bank in order to begin making purchases for the job. I deposited the check into my bank account at the time ( Bank of America ), a hold was put on the check and later my account was closed. I called Bank of America who at the time were unhelpful in helping me figure out why my account was closed. I was told that I would be unable to open another account with the banking institution so I quickly opened an account with another bank. Around this time, the person I was in correspondence with about this job stopped responds to emails and text messages from me. I soon came to realize that I was scammed. This year, in XXXX of XXXX I began to shop for cars. In XXXX I applied to a credit union to get a car loan which is when I learned that a suspected fraud report was put on my consumer report by the Bank of America as the reason for my account being closed. I filed a report with XXXX  to dispute that information and included documentation ( correspondence with the scammers, the fraudulent check I was sent, etc ) but the reinvestigation was of no help. I called Bank of America who told me that I could not dispute the information until XXXX ( which not only hampers my ability to get a vehicle but to also get loans for my schooling as I XXXX XXXX XXXX XXXX XXXX ). I have filed a scam report with the FBI and FTC as a result of what has happened to me. I have attached the email correspondence, fraudulent check, and other relevant information to this report for 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 monetary relief
Consumer complaint received 2025-12-03 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:
I am submitting this complaint because several negative accounts, including charge-offs, are being reported inaccurately on my credit report. I have repeatedly requested proper validation, documentation, and corrections from the furnisher, but they have failed to provide legally required information under the Fair Credit Reporting Act ( FCRA ). 
These accounts are being reported with inconsistent dates, incomplete validation, and errors that violate FCRA 602, 609, and 623. I was never properly notified, the creditor can not verify the accuracy of the debt, and some information appears to be outdated, unverifiable, or reported incorrectly to the credit bureaus. 

Because the furnisher has not provided adequate proof of ownership, itemization, original documents, or a correct accounting of the debt, I am requesting that the CFPB intervene to require the company to validate or immediately delete all inaccurate, unverified, or incomplete information being reported about me. I am simply asking that my credit file be corrected according to federal law and that any unverifiable negative accounts or charge-offs be removed

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 2025-12-03 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: FL

Complaint narrative:
I am submitting this complaint because several negative accounts, including charge-offs, are being reported inaccurately on my credit report. I have repeatedly requested proper validation, documentation, and corrections from the furnisher, but they have failed to provide legally required information under the Fair Credit Reporting Act ( FCRA ). 
These accounts are being reported with inconsistent dates, incomplete validation, and errors that violate FCRA 602, 609, and 623. I was never properly notified, the creditor can not verify the accuracy of the debt, and some information appears to be outdated, unverifiable, or reported incorrectly to the credit bureaus. 

Because the furnisher has not provided adequate proof of ownership, itemization, original documents, or a correct accounting of the debt, I am requesting that the CFPB intervene to require the company to validate or immediately delete all inaccurate, unverified, or incomplete information being reported about me. I am simply asking that my credit file be corrected according to federal law and that any unverifiable negative accounts or charge-offs be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am filing this complaint because Experian has failed to correct inaccurate information on my credit report after two separate disputes for the same issues. Despite my repeated disputes, the information is still being verified and reported inaccurately.

The account I disputed contains the following incorrect items : The last payment date The deficiency balance The payment history After my second dispute, Experian made an update to the account, but I was not informed what was changed, and the last payment date and deficiency balance remain inaccurate. The update that was made caused my credit score to drop by 2 points, even though the inaccurate information was not corrected.

Experians actions violate my rights under the Fair Credit Reporting Act, including : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) failure to correct or delete inaccurate or unverifiable information Experian has repeatedly verified information that is clearly inaccurate and has failed to provide any evidence or explanation supporting its verification. This demonstrates willful neglect and a disregard for its obligations under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S
Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Issue : Merchant payment not delivered reservation at risk despite Affirm loan being approved and processed. 

In XX/XX/XXXX, Affirm approved my loan and processed the payment for a XXXX XXXX XXXX  on XX/XX/XXXX. My Affirm account clearly shows the payment to the merchant was processed '' on XX/XX/XXXX. However, XXXX XXXX still has not received the funds. 

For nearly XXXX weeks, I have been repeatedly transferred between Affirm representatives and given inconsistent answers. I have confirmed with XXXX XXXX that the payment was never received, and a XXXX XXXX supervisor stated this is a known issue with Affirms settlement system. 

This unresolved payment nearly caused my cruise reservation to be canceled. XXXX temporarily extended my payment deadline to XXXX, but the issue remains unresolved and continues to put my reservation at risk through no fault of my own. 

I have requested multiple times that this be escalated to the XXXX XXXX XXXX, which is the only team that can locate or resend missing merchant payouts. However, customer service has not provided confirmation or a timeline, and I continue to receive generic responses. I have not received any response from the merchant settlement team at Affirm regarding my issue and the problem remains idle at this point. 

This situation has caused extreme stress because my familys vacation for XXXX XXXX XXXX is in jeopardy due to Affirms failure to deliver the funds it claims to have processed. 
I now have a payment due on XX/XX/XXXX in the amount of {$88.00}. I have a balance unpaid with XXXX XXXX who may cancel my cruise due to non-payment because no funds have been transferred to them in the amount of {$1500.00}. 

LOAN ID : XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX seen I wasnt able to log into my account. The bank never notified me of the closure I had to call them. They told me any deposits will be returned, they accepted my deposit from my job, now they wont return my deposit or send me a check for it they keep saying 60 days not exact date

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 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH started servicing our mortgage payments XX/XX/year>. I set up payments to arrive XX/XX/XXXX. My bill payer shows it arrived at PHH XX/XX/XXXX. PHH did not apply it to my loan until XX/XX/XXXX. This was {$5500.00}. 
I then sent a cashiers check for a principal payment of XXXX XX/XX/XXXX. It was not applied to my loan until XX/XX/XXXX. 
Sent another regular payment via bill payer for {$5500.00} and it arrived XXXX and has not been applied to my loan. ( XXXX ) When I call to ask about why the delay for all of these payments, I am told it was because of the government shut down, and that they have 7 to 10 days to apply payments to a loan, which is not true. Their answers are illogical and irrelevant. 
Every time I call, it goes to a service in XXXX. I ask to speak with someone in XXXX, which is where the payments are being sent, and I am told there is no one at that location who has any different information. I have tried to contact the relationship officer assigned to my account, and it kicks back as undeliverable. So there is no way to contact anyone in the XXXX. 
My payments should be applied to my loan upon receipt or effective dated the day they are received. This company has no checks and balances for this procedure, nor do they understand the ramifications on the consumer when these payments are delayed and the extra cost in interest.

Company response to consumer: Closed with explanation