vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical 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 Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My credit reports show three Navient accounts even though I only had two loans. The bureaus are reporting these loans as current with recent late payments in XXXX, even though these loans have been closed/charged off for years and XXXX XXXX XXXX XXXX in XXXX. This is false reporting, duplicate reporting, and illegal re-aging. 

I asked Navient for validation, including ownership proof, chain of title, transfer records, charge-off info, and an explanation for the inaccurate reporting. Navient did not provide this. Their CFPB response contained only old promissory notes that do not validate the current reporting or explain why the bureaus show these accounts as active. 

Because the reporting is inaccurate and Navient failed to validate, I am requesting a full reinvestigation and compliance review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
My credit reports show three XXXX accounts even though I only had two loans. The bureaus are reporting these loans as current with recent late payments in XXXX, even though these loans have been closed/charged off for years and XXXX XXXX XXXX XXXX in 2016. This is false reporting, duplicate reporting, and illegal re-aging. 

I asked XXXX for validation, including ownership proof, chain of title, transfer records, charge-off info, and an explanation for the inaccurate reporting. XXXX did not provide this. Their CFPB response contained only old promissory notes that do not validate the current reporting or explain why the bureaus show these accounts as active. 

Because the reporting is inaccurate and XXXX failed to validate, I am requesting a full reinvestigation and compliance 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 explanation
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
CBB ( California Business Bureau , Inc ) is sending me letters claiming a debt collection, but the amounts ae wrong and very inflated, and I received XXXX letters with the SAME reference # ( XXXX ) But with inconsistent information ( and inaccurate ). 

First Letter on XX/XX/year> Indicates this : XXXX and the other letter on XX/XX/year> indicates : {$4500.00} They also called a lot. 

This amounts are Incorrect, for the XXXX XXXX they say the debt is XXXX but is INCORRECT, debt was around {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to dispute an inaccurate debt, allegedly owed to XXXX or XXXX XXXX XXXX, that has been improperly filed on my credit report. The debt reported by XXXX XXXX XXXX is invalid, as I have no contractual agreement with this company. Despite my request, XXXX has failed to provide the original contract. 

Attached is a XXXX  complaint response letter ( Complaint # : XXXX ) after sending XXXX several requests to provide original contract.

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 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Earlier this year we entered a payment arrangement where there would be a three-month deferral and then a XXXX payment plan, at which when concluded the paperwork would be submitted by the mortgage company that is required by the state to show the deferral was placed on the back end of the note would be filed. 
We have satisfied our XXXX payment arrangement, and it has now been " XXXX days since completed and the mortgage company has yet to process the paperwork required to move our status from behind to current. Our credit is directly affected. We were NEVER late on our mortgage prior to this payment arrangement agreement with the mortgage company. We have met the requirements per the arrangement agreement, and the Mortgage company is in breach of the agreement.

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 2025-12-01 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 submitting this complaint as a consumer because my credit reports contain multiple charged-off accounts and inquiries that I believe are inaccurate, incomplete, or unverifiable. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and removal of any item that can not be verified. 
Charged-Off Accounts I dispute the following accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} Please verify and remove any inaccurate accounts . 

Inquiries I dispute the following inquiries : 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 XX/XX/XXXX Please verify and remove unauthorized inquiries.

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 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
There is a collections report on my credit report for {$120.00} from a company that I rented a townhome from. They were and have been paid in full and always early or right on time. I have no idea what this is or where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : XXXX. XXXX name : PORTFOLIO RECOV ASSOC Account balance : {$440.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX Account balance : {$680.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account balance : {$1400.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required 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 2025-12-01 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: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : XXXX. XXXX name : PORTFOLIO RECOV ASSOC Account balance : {$440.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX Account balance : {$680.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account balance : {$1400.00} Date opened : XX/XX/XXXX Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe.

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal.

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
b'I am filing this complaint as a consumer because my credit reports contain multiple charged-off accounts, inquiries, and late payment entries that I believe are inaccurate, incomplete, or unverifiable. I am requesting a full investigation under the Fair Credit Reporting Act (FCRA) and removal of any item that cannot be verified.\nCharged-Off Accounts\n\nI dispute the following accounts for accuracy of reporting: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  $XXXXPlease provide verification or remove any unverifiable accounts.\n\nInquiries\n\nI dispute the following inquiries as unauthorized:XXXX XXXX XXXX XXXX XXXX\nPlease verify permissible purpose or remove.\n\nLate Payments\n\nI dispute the following late payment entries as inaccurateXXXX XXXX XXXX XXXX XXXXPlease verify or remove any inaccurate 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have been contacted by this company numerous times. I asked them for a debt validation letter. The agent that I spoke with stated they didn't provide them. I asked to speak to a manager. The manager 's " talk-off '' was worse than the agents. I still have yet to receive a validation letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-01 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XXXX separate occasions, Navient Solutions LLC failed to properly service my student loan by not processing my requests for an Economic Hardship Deferment and instead steering me into costly forbearances. 

First Incident XX/XX/XXXX In XX/XX/XXXX, I submitted an Economic Hardship Deferment request and provided the required documentation, including my federal and state tax returns. Navient received my tax documents on XX/XX/XXXX at XXXXXXXX XXXX  Despite this, Navient denied my request on XX/XX/XXXX citing missing tax documentation. I do not have call logs from this period, but the deferment should have been approved based on the documentation provided to Navient. The denial letter was signed only as Customer Service. As a result, I was placed into forbearance instead of an eligible deferment. 

Second Incident XXXX XXXX My next Economic Hardship Deferment request, submitted on XX/XX/XXXX, was also mishandled. I later obtained XXXX internal call notes through a subpoena issued in XX/XX/XXXX. These notes show a pattern of contradictory and inconsistent decisions : XX/XX/XXXX : Request denied XX/XX/XXXX : Request approved XX/XX/XXXX : Request denied XX/XX/XXXX : Request approved XX/XX/XXXX : Request denied After a month of conflicting decisionsduring which I had already provided all required documentationNavient offered forbearance on XX/XX/XXXX, which I felt I had no choice but to accept. This pattern demonstrates improper servicing and a failure to process my deferment request accurately and timely. 

Resulting Harm Because Navient improperly steered me into forbearances beginning in XXXX, interest was incorrectly capitalized on my subsidized student loan. A total of {$2900.00} in capitalized interest was added in error, and additional daily compounded interest has continued to accrue on that amount since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I recently had a large roughly {$48000.00} US Treasury check deposited in Citizens Bank over XXXX month ago at the XXXX XXXX Citizens Bank branch and I have yet to see it hit my account. The bank indicated it was being held and funds would be available on XX/XX/XXXX. Citizens had sent a letter prior to this indicating the funds would be available several weeks ago but no money was deposited and no explanation given. Why would the bank give me XXXX seemingly arbitrary dates for deposit? This has caused my new company delays and penalties for unexecuted contracts non payment to suppliers and it appears based on online customer feedback that this practice is all too common at Citizens. At this point I simply want the check deposited and this bank to be held accountable for its onerous practices. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Over multiple occasions, representatives from Mohela processed my payments incorrectly. As a result of their mistakes, I received repeated and harassing calls stating that there was an attempt to collect a debt. Each time I contacted Mohela to correct the issue, I was either transferred without answers, given inconsistent information, or disconnected. 

When I was finally able to speak with someone, they would fix the issue but immediately end the call without providing an explanation or confirmation. This ongoing pattern has caused repeated stress and confusion. 

These loans were originally serviced by XXXX XXXX, then XXXX, and now Mohela. Throughout each transfer, I have felt misled and taken advantage of as a consumer. I believe I am once again experiencing predatory or misleading practices related to these older loans. 

I am seeking a clear resolution and an explanation of why these recurring errors and collection calls keep happening despite my attempts to make timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief