vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXXXXXX 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 XXXXo : [ Choose XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the credit bureau - see below ] Subject : Request for Investigation of Inaccurate Credit Reporting RE : Account with Barclays Bank ( BRCLYSBANKDE ) Account Opened : XX/XX/XXXX Reported Balance : {$1800.00} Status : In Collections/ Charge-Off Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate and incomplete information being reported on my credit file. According to my recent credit report, the following account is being reported incorrectly : - Creditor Name : Barclays Bank ( BRCLYSBANKDE ) - Account Opened : XX/XX/XXXX - Reported Status : In Collections/Charge-OffCredit Dispute Letter - Reported Balance : {$1800.00} - Payment History : Extensive derogatory marks, reported as XXXX days late Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), I am requesting a reinvestigation of this account. The account appears to contain numerous inaccuracies, including : 1. Incomplete and inconsistent payment history 2. No clear evidence of proper validation or billing error resolution under 12 CFR 1026.13 3. Reporting of late payments and a charge-off without recent activity since XX/XX/XXXX As this account has not been validated with complete and accurate documentation, I request that you : - Investigate and verify all details of this account - Provide me with documentation used to verify this account - If verification can not be provided, please delete or correct this account information Please complete the reinvestigation within 30 days, as required under the FCRA, and provide me with an updated copy of my credit report showing the results of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MS

Complaint narrative:
I am requesting a review of a delinquency reported by MOHELA on my federal student loan, which I believe resulted from a combination of communication failure and administrative delays in the Income-Driven Repayment ( IDR ) processnot willful nonpayment. At the time of the delinquency, I had applied for an IDR plan, but processing and enrollment were delayed due to ongoing federal policy holds. I was unaware that payments were being missed or that the account had gone delinquent while waiting for my IDR enrollment to be completed.

Additionally, I had been locked out of the email associated with my MOHELA account and had not updated my mailing address, so I did not receive billing notices, delinquency alerts, or any phone calls. I was completely unaware of the delinquency until it had already been reported to the credit bureaus.

As soon as I became aware, I immediately updated my contact information and completed the IDR application process. I have now been accepted into the plan, and I am prepared to begin making timely payments. Although I have not yet made a payment under the IDR, my account is now aligned with repayment and in good standing moving forward.

I have maintained a 97 % on-time payment history across all credit accounts, and this is the only derogatory item on my credit report. I previously submitted a goodwill request to MOHELA explaining these circumstances, but it was denied.

I respectfully request a goodwill adjustment or a reconsideration of the delinquency reporting. This situation was the result of temporary communication breakdowns and administrative delaysnot financial irresponsibility. I acted immediately once aware and am now enrolled in a repayment plan to remain current moving forward.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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: WA

Complaint narrative:
On XX/XX/year>, I made a payment of {$1000.00} on my student loans via studentaid.gov through my servicer, Mohela. Unfortunately, the payment was never posted to my account, despite the money being taken out of my bank account on XX/XX/year>, and despite receiving a confirmation email from Mohela. My unsubsidized loans continue to collect interest despite me having paid a significant portion of them off. I decided to call Mohela customer support a few months after making the payment, but they were unhelpful and could not solve the problem.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-20 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: Nelnet, Inc.
State: CO

Complaint narrative:
In the week of XXXX XXXX XXXX, I was notified that an unauthorized entity, the Department of Government Efficiency ( DOGE ), which is not part of the U.S. Department of Education nor any other official government agency responsible for managing student loan data, accessed my personal information without my consent. This access constitutes a serious violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ), a federal law that protects the privacy of student education records. FERPA, codified at 20 U.S.C. 1232g, states that personally identifiable information contained in education records may not be disclosed without the prior written consent of the student, except under limited and specifically authorized exceptions. DOGE 's access was not authorized by me and does not fall under any permissible exception outlined in FERPA. Because of this breach of federal privacy law, I am asserting that my student loans are now legally unenforceable due to the compromised integrity of my educational and financial records. I am formally requesting that all of my student loans be forgiven, removed, and permanently deleted from my credit report. Additionally, I demand that DOGE 's access to my personal information be immediately revoked and that any future attempts by this agency or any related party to view or use my data be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Reporting 30 days late is grossly incorrect, erroneous, and irresponsible. The total loan amount was never ever used for any purpose. So the question of being late can not arise.

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 2025-06-20 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: LA

Complaint narrative:
I am filing this complaint against the following entities for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Credit Reporting Agencies : Experian, Equifax, and TransUnion Debt Collector : XXXX XXXX XXXX ( XXXX ) Furnishers : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Despite multiple disputes and direct requests under the FCRA ( 15 U.S. Code 1681i ) and FDCPA ( 15 U.S. Code 1692g ), the credit reporting agencies continue to respond with verified outcomes without supplying any documentation or proof of verification. I have not been shown : Any method of verification used by the credit bureaus for the late payments allegedly reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Any proof of billing statements or receipt of notice at least 21 days prior to the due date, as required for accurate reporting under fair billing practices Any evidence that a proper investigation was conducted as required under federal law Additionally, XXXX XXXX XXXX XXXX XXXX ) has continued to attempt debt collection without validating the debt per 15 USC 1692g . More seriously, they are not licensed to collect debt in the State of Louisiana, which is a direct violation of state and federal consumer protection laws.

This conduct has severely damaged my creditworthiness, resulting in credit denials, higher interest rates, and financial harm. These parties are willfully reporting, collecting, and verifying inaccurate or unsubstantiated informationwhile failing to adhere to the legal validation and investigation requirements.

I am demanding the following : Immediate deletion of all unverifiable or improperly verified accounts from all credit reporting agencies Full debt validation and proof of licensing from XXXX XXXX XXXX or removal of their tradeline Financial compensation to the fullest extent allowed under the law for the harm caused to my credit profile and financial opportunities A formal investigation into these violations of my rights under the FCRA and FDCPA Please consider this an official and urgent complaint. I am including all supporting documents, dispute letters, and credit reports to assist with the investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint against the following entities for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Credit Reporting Agencies : Experian, Equifax, and TransUnion Debt Collector : XXXX XXXX XXXX ( XXXX ) Furnishers : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Despite multiple disputes and direct requests under the FCRA ( 15 U.S. Code 1681i ) and FDCPA ( 15 U.S. Code 1692g ), the credit reporting agencies continue to respond with verified outcomes without supplying any documentation or proof of verification. I have not been shown : Any method of verification used by the credit bureaus for the late payments allegedly reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Any proof of billing statements or receipt of notice at least 21 days prior to the due date, as required for accurate reporting under fair billing practices Any evidence that a proper investigation was conducted as required under federal law Additionally, XXXX XXXX XXXX XXXX XXXX ) has continued to attempt debt collection without validating the debt per 15 USC 1692g . More seriously, they are not licensed to collect debt in the State of Louisiana, which is a direct violation of state and federal consumer protection laws.

This conduct has severely damaged my creditworthiness, resulting in credit denials, higher interest rates, and financial harm. These parties are willfully reporting, collecting, and verifying inaccurate or unsubstantiated informationwhile failing to adhere to the legal validation and investigation requirements.

I am demanding the following : Immediate deletion of all unverifiable or improperly verified accounts from all credit reporting agencies Full debt validation and proof of licensing from XXXX XXXX XXXX or removal of their tradeline Financial compensation to the fullest extent allowed under the law for the harm caused to my credit profile and financial opportunities A formal investigation into these violations of my rights under the FCRA and FDCPA Please consider this an official and urgent complaint. I am including all supporting documents, dispute letters, and credit reports to assist with the investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am writing to dispute the inclusion of certain accounts on my credit report that I did not authorize or open. These accounts are unfamiliar to me and appear to have been added without my knowledge. I believe them to be fraudulent and request their immediate removal. In accordance with 15 U.S. Code 1681g, I am requesting the deletion of these entries within 15 days. I have attached supporting documents to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
The vehicle was repossessed iXXXX XXXX XXXX XXXXXXXX and is being incorrectly reporting. I have attempted to dispute this error multiple times over the past year, but each attempt has been denied by the company.

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 2025-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally counter Citizens Bank 's response to previous complaint filed with CFPB. This is regarding intention to foreclose notices continuing to be received from Citizens Bank regarding my mortgage. Most recently ( XXXXXXXX ) sent via certified mail. Statement from them stating I still owe over {$4000.00}. I have been in contact with Citizens Bank 's loss mitigation department and have resolved the matter concerning my payments.

Specifically, I made a payment of {$2000.00} for the month of XXXX XXXX, and according to the bank, I should not owe anything at this time. Despite this, I continue to receive foreclosure notices. 

I request that the CFPB assist in ensuring that these erroneous foreclosure notices are halted, and my account is accurately reflected as up-to-date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Upon reviewing my recent credit report, I discovered several entries that I did not recognize or approve. These accounts were not opened by me, and I had no knowledge of them until now. As such, I consider them to be fraudulent. I am requesting that you delete these accounts from my report in compliance with 15 U.S. Code 1681g. Please process this request within 15 days. Documentation to validate my identity and support this dispute is attached.

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 2025-06-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XX/XX/XXXX, Equifax & XX/XX/XXXXcredit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
A late payment has been reported on my credit file for a date on which I have documented proof of an on-time payment. This inaccurate reporting not only misrepresents my financial responsibility but also unfairly impacts my credit score. I request that this error be corrected without delay by deleting the entry in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE FOLLOWED PROCEDURES UNDER THE FCRA AND THE FAIR AND ACCURATE CREDIT TRANSACTION ACT ( FACTA ) TO REQUEST DELETION OF THIS INACCURATE INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
THESE FRAUDULENT ACCOUNTS HAVE AFFECTED MY FINANCIAL STANDING AND CAUSED EMOTIONAL 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 2025-06-20 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( Experian & Equifax ) XXXX Collection Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XXXX Charge Off Date open : XX/XX/XXXX XXXX XXXX ( Experian, Transunion XXXX Equifax ) XXXX Charge Off Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, Transunion & Equifax XXXX XXXX Charge Off Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Experian, Transunion & Equifax XXXX XXXX Charge off Date Opened : XX/XX/XXXX XXXX ( Experian, Transunion ) XXXX Charge XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX ( Experian, Transunion ) XXXX Charge off Date XXXX : XX/XX/XXXX XXXX  XXXX ( Experian ) XXXX Charge off Date Opened : XX/XX/XXXX XXXX XXXX ( Equifax ) XXXX Charge off Date XXXX : XX/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