vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am attempting to pay off my mortgage with Mr. Cooper ( Nationstar Mortgage ). On XX/XX/year>, I submitted a {$2400.00} payment through their online portal, explicitly selecting for it to be applied to pay down the principal. This was not intended to be a full payoff. I fully expected a remaining balance, which I planned to pay as soon as the {$2400.00} was applied. 

Instead, the {$2400.00} was placed into unapplied funds, and my loan balance was not reduced. This payment was not ambiguous - I selected the " apply to principal '' option at the time of the transaction. My account dashboard now shows a negative payment due of $ ( XXXX ), confirming that the funds were received and that I have overpaid - yet the mortgage is still active and the payment has not been credited. 

The estimated payoff for that same date was {$2600.00}, meaning I was within approximately {$230.00} of closing the loan entirely. I contacted Mr. Cooper through their secure message system, citing CFPB servicing rules that require timely application of clearly identified payments. Instead of resolving the issue, they responded by stating it was sent to their " Research Team '' for review and that I should wait up to 7 business days. 

This appears to be a deliberate delay tactic to block a timely loan payoff, delay escrow refund processing, and possibly capture additional interest or a forced monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-08-05 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: NY

Complaint narrative:
Experian and TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the accounts. - XXXX XXXX XXXX Account. This account should not be a Charge Off - XXXX XXXX UNDER DISPUTE This account has no late payments - XXXX XXXX XXXX UNDER DISPUTE This account has no late payment

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I noticed an unfamiliar hard inquiry that does not reflect any authorized action on my part. I take my financial record seriously and only provide credit access when necessary and with full 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I financed a XXXX XXXXXXXX from XXXX, which was priced at {$13000.00}. I made a down payment of {$9500.00}, but they claim I still owe {$10000.00}. I purchased the car from XXXX on the XXXX XXXX XXXX in XXXX, TX. Capital One are now trying to settle for {$3500.00}, which still leaves me with an outstanding balance {$7900.00}. Also in XXXX, I gave them {$600.00}. So I was writing to see what is my next step to receive the titles.o made months of {$300.00}. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

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 explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-05 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
The gave my information to a third party and I filed bankruptcy so this debt should have been wiped out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
SPRING OAKS CAPITAL had been collecting and attempting to collect a debt NOT OWED.

SPRING OAKS CAPITAL has been charged off and I have NOT received a1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

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 explanation
Consumer complaint received 2025-08-05 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: IN

Complaint narrative:
15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Requires credit reporting agencies to block fraudulent information within 4 business days after receiving an identity theft report.

15 U.S.C. 1681i Procedure in Case of Disputed Accuracy Requires CRAs to investigate disputes within 30 days and delete unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) Responsibilities of Information Furnishers Prohibits furnishers ( creditors/collectors ) from reporting information they know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Duties of Furnishers After Notice of Dispute Requires furnishers to investigate disputed accounts and correct/delete inaccurate information.

15 U.S.C. 1681c ( a ) Obsolete Information Prohibits CRAs from reporting most negative accounts after 7 years ( except certain bankruptcies ).

15 U.S.C. 1681g ( e ) Fraud Alerts and Active Duty Alerts Gives you the right to place a fraud alert to warn creditors before opening accounts.

15 U.S.C. 1681b ( a ) Permissible Purposes of Consumer Reports Restricts who can access your credit reportunauthorized access is a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law : FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to maintain maximum possible accuracy Issue : Repeated late payments inaccurately reported and not updated despite prior dispute Story : I believe this account is reporting late payments in error I have documentation that contradicts the dates of reported delinquency yet no corrections have been made after my first round of disputes the continued reporting of these late payments is harming my credit profile and violates my rights under the FCRA to maintain an accurate report I request full reinvestigation with supporting documents or immediate deletion I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Upon noticing a pending {$22000.00} check that I did not write, I immediately contacted Santander and filed a claim before the check had cleared. Despite this, the check was processed overnight. The fraudulent nature of the check should have been immediately apparent it did not match our check design, nor any prior transactions.

I had to call again the following day and spend over an hour on the phone, during which time a separate claim was filed. I was then told that it could take up to five business days for the funds to be returned to my account.

According to UCC regulations, this check could have been returned by midnight of the banking day following the day of presentment meaning the bank had the ability and authority to act within 24 hours. Instead, Im being told to wait nearly a week for resolution of a clear case of fraud, even though I acted swiftly and responsibly.

This is unacceptable to me.

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 2025-08-05 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: CA

Complaint narrative:
am filing this formal complaint against EXPERIAN due to its continuous failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) concerning the reinvestigation of disputed information and 15 U.S.C. 1681e ( b ) regarding the requirement to maintain maximum possible accuracy in consumer reports. Despite my multiple written disputes, EXPERIAN has not conducted a proper reinvestigation nor provided me with adequate verification of the information they continue to report on my credit file.

Under 1681i ( a ) ( 6 ) ( B ) ( iii ), EXPERIAN is required to provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed information. However, my repeated requests for such Method of Verification have been ignored or responded to with generic, template responses that fail to address the specific accounts in question. This lack of transparency is a clear violation of my rights under federal law and demonstrates EXPERIANs pattern of conducting superficial or " sham '' investigations.

Furthermore, EXPERIANs continued reporting of inaccurate and unverifiable information constitutes a direct violation of 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Their negligence has resulted in harm to my creditworthiness and financial standing, as decisions by lenders and creditors are being made based on erroneous data that EXPERIAN refuses to correct despite clear evidence provided.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
In XX/XX/XXXX I bought a XXXX XXXXXXXX XXXX  from XXXX. American Credit Acceptance covered the loan on the car. My payments were supposed to be XXXX a month. Interest was supposed to be applied to the remaining balance Per day at 23 %. Throughout my term I paid early but they would still charge interest to the full amount. They would wait XXXX months to report it to the credit bureaus and continue to add interest to the full amount. The car was paid off XX/XX/XXXX before term in which I should receive back the over charge of interest, the XXXX dollars that was supposed to be returned at the end. I called and they charged the full amount to pay it off and only sent a prepaid debit car that charges you money to get your money off of it. I don't understand this because I've paid them with my bank account that I've had for at least well over a decade. I called and asked today for my payment history and info on their reporting. I was told that I need to get on their portal and look but I've been blocked out since payoff. The rep stated that the info is nolonger available for her to see. This company I feel scammed me out of my money and don't want to give me my info because it would show that they scammed, cheated, and over charged me and now don't want to pay it back. I want to get to the bottom of this and get what's owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc.
State: AZ

Complaint narrative:
I have no aliases, credit companies keep adding my wife 's maiden name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
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 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 has violated my rights. I looked at my XXXX  credit report on XX/XX/year> 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 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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CL Holdings LLC
State: NJ

Complaint narrative:
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 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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 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 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 explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief