vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXX ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXX ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Goldcar Lending Inc.
State: FL

Complaint narrative:
My XXXX XXXX XXXX was repossessed by Gold Car Lending despite ongoing mechanical issues and repeated communication attempts. The vehicle became inoperable shortly after purchase in XXXX, and I notified XXXX XXXX XXXX of the condition. I attempted to resolve the issue in good faith and tried multiple times to contact their office to make payments in XXXX and XX/XX/XXXX, but received no response. 

The repossession occurred while the vehicle was in active dispute and despite my requests for a payment history and documentation. To date, the only item theyve provided is the Buyers Guide. I formally requested records of payment history, proof of delinquency, the repossession agents identity, and verification that the car was operable before repossession. None of that has been provided. 

I believe the repossession was unlawful and a breach of consumer rights, and Im requesting a full investigation and documentation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
Equifax is reporting an XXXX XXXX account ( ending in XXXX ) under my credit file, listing me as an authorized user without my knowledge or consent. I never requested, authorized, signed for, nor agreedverbally, electronically, or in writingto be added to this account. I have never had any financial relationship or legal obligation associated with this debt. 

This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Equifax has failed in its duty to maintain maximum possible accuracy by reporting an unauthorized tradeline without verifying its legitimacy.

15 U.S. Code 1681i ( a ) : After being notified of the dispute, Equifax failed to conduct a proper reinvestigation and refused to remove the inaccurate information.

15 U.S. Code 1681s-2 ( b ) : If a furnisher ( e.g., XXXX XXXX XXXX confirmed inaccurate information, Equifax was still obligated to block or delete it based on my dispute and supporting statements. These violations are causing ongoing harm to my creditworthiness, limiting my access to fair financial opportunities and potentially increasing the cost of credit o
r insurance. This situation is materially damaging and unjustified.

I escalated this issue by filing formal complaints with the Federal Trade Commission ( FTC ) and thXXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to Equifaxs noncompliance. I now urge the Consumer Financial Protection Bureau ( CFPB ) to take immediate action and require Equifax to : Delete this unauthorized account entirely from my credit report ; Confirm removal in writing ; Provide a copy of the results of their reinvestigation, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
{$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Pro Collect Subject : Request for Debt Validation ( per FDCPA 809 ) To Whom It May Concern, I am writing in response to a [ letter/phone call ] received on [ date ] regarding an alleged debt. I request that you provide full validation of this debt, including : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Verification that you are legally authorized to collect this debt.

4. A copy of any judgment ( if applicable ). 
XXXX. A copy of the original signed agreement or contract showing my obligation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information. Please consider this a formal dispute of the alleged debt and cease all collection activity until the requested information is provided. 

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I entered into an auto loan with Capital One Auto Finance around 2022 for a total loan amount of {$19000.00} at a very high interest rate of 18.5 % APR. Despite paying over {$16000.00} so far, my current principal balance remains over {$15000.00}, and my current payoff quote is over {$16000.00}. 

I am concerned that this loan is structured in a way that is unfair and possibly predatory, as the majority of my payments have been applied toward interest with very little reduction to the principal balance. 

I requested a complete payment history, amortization schedule, and original contract documents from Capital One but I have not yet received this information. I have also asked for an affordable payment arrangement but was told I must pay $ XXXX for three months, which is unaffordable. 

Additionally, the vehicles fair market value is currently around {$2000.00}, leaving me severely underwater. 

I am requesting that Capital One provide full transparency on this loans terms and payment application, and reconsider the structure of this loan due to the excessive interest accrual and the financial harm it is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-17 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: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, appearing on my own behalf, hereby formally notify you that my TransUnion credit file contains unauthorized credit inquiries ( hard inquiries ) that were not initiated by me nor by any person authorized to act on my behalf. These inquiries are the result of identity theft. You have specific duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to investigate, correct, delete, and/or block fraudulent or unverifiable information.

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 2025-07-16 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXXc-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXXc-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
received the following email today : XXXX XXXX XXXX Attachments XXXX ( 8 hours ago ) to me Loan # : XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX recently sent you a payoff letter for this loan per your request. However, since that time a charge has been incurred for Payment for Property Inspection that has changed the payoff amount. The payoff letter issued to you on XX/XX/2025 in the amount of {$560000.00} of previous XXXX  is no longer valid as of the date and time of this letter and CAN NOT be used for payoff purposes. A new payoff letter and refi worksheet are attached for your convenience. 



If an updated quote is needed, please send a new request with your expected closing date. 

Any request for updated quotes can be emailed to XXXX or faxed to XXXX. 





Thank you, XXXX XXXX Reverse Mortgage Servicing Payoff Quotes Department. 

=================== Sent a reply email to XXXX asking for information as to what inspection was made. 
He did not reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed out of {$350.00} through Cash App by someone who claimed to represent a nightclub. I saw a post on the official XXXX page of the club advertising an event with a rapper performing that Friday. The XXXX stated that to make a reservation, I should text a phone number listed in the caption. 

I contacted the number, and a person named XXXX responded. He answered all my questions about the event and told me that to reserve a table, I needed to send him {$200.00} via Cash App. I sent the payment as instructed. 

When I arrived at the venue that night, I was told at the door that I still needed to purchase an entrance ticket. I texted XXXX again and asked why he hadnt mentioned this. He responded that he forgot and said the entrance fee was {$75.00} per person. He then told me that if I sent the money to him directly, I wouldnt have to wait in line. 

Trusting him again, I sent another {$150.00} for two people. Shortly after, he stopped responding to my texts and calls. I later found out I had been blocked. 

The first payment of {$200.00} was sent on XX/XX/XXXX, and the second payment of {$150.00} was sent just after midnight on XX/XX/XXXX. I have records of the transactions and our text conversation. 

This was a scam conducted through Cash App, and I am requesting assistance in recovering my funds and reporting the individual responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
Violations : 15 USC 1681b. 15 USC 7001c. 

I was impacted by Equifax Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I am requesting the certification of the accuracy of each and every piece of information, stated about me. I have never permitted or authorized for any of my personal or consumer information to be reported, released, or otherwise circulated by you in any way, shape, or form. Should you proceed to report any form of my personal information without my express, publicly available authorization, such an act would result in a direct federal law violation. The information is frivolous and needs to be removed, I have never authorized the accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Problem : Identity theft through unauthorized account creation and reporting. 
I plea a certified statement of accuracy of all and any information that has been disseminated about me, and a prompt discontinuation and expurgation of all unverified, inaccurate, or unauthorized information. If you fail to comply with this demand, I shall institute a lawsuit against you through federal and state regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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