vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AZ

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 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 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. ''

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following 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 and these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Spring Oaks Capital LLC. 

I disputed this collection account with XXXX for multiple inaccuracies, including an incorrect original balance, incorrect loan terms, and misleading balance history that creates the appearance of re-aging. Despite notice of dispute, Spring Oaks Capital verified the account without correcting any of the disputed inaccuracies. 

The account continues to report an original balance of {$3300.00}, even though the original loan amount was approximately {$2200.00}. The account terms are also reported as 1 month, which is inaccurate for a multi-payment consumer installment loan. The ongoing monthly collection reporting in 2025 makes the debt appear newer than it is. 

I am requesting that Spring Oaks Capital either correct all inaccurate information or delete the tradeline entirely. I am also requesting that the CFPB review this matter for compliance with the Fair Credit Reporting Act. 

The dispute is not limited to the balance amount alone, but to inaccurate loan terms, balance history, and the continued reporting of monthly collection activity that does not reflect the actual account structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I was coerced and criminaly influenced through given specific instructions on how to talk to my bank to wire transfer funds into Crypto.com. 

Once in Crypto.com, it is my contention that they knew, or should have known, that the addresses used were previously implicated in the commission of a crime, to which I asked for full refund. They denied my request. They asked me if I authorized the transaction, which I did, but again I was criminally influneced, to which they again denied my request. But Crypto.com never acknowledged whether my initial statement was true of false. This is there final reply to me : Hello again XXXX, Thank you for your email. 

Due to the request for the transfer being made to a whitelisted address, we have completed it on our end.

Please, keep in mind, that once a withdrawal has been completed, we are not able to revert or refund the amount as it has left our custody. We always recommend researching the types of BTC/Crypto scams that are currently out there.

We are not able to take a stance on this matter, due to the nature of the case itself. With that being said, we will do anything in our power to assist you with resolving this situation. We will fully cooperate upon receiving a request from official authorities.

Kind Regards, The Crypto.com Team Here are the addresses used to transfer the funds : XX/XX/XXXX - The XXXX XXXX USD which were credited via a Wire Deposit were used for a XXXX Purchase of XXXX XXXX, which was withdrawn shortly after. The txhash of this transaction is XXXX XX/XX/XXXX- The XXXX USD which were credited via Wire Deposit were used for a XXXX Purchase of XXXX XXXX, that were withdrawn shortly after. The TxHash of this transaction is XXXX XX/XX/XXXX- The XXXX USD, that were credited via Wire Deposit were used for a XXXX Purchase of XXXX XXXX and XXXX XXXX, that were withdrawn shortly after. The TxHashes of these two transactions are : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Company : Goldman Sachs Bank USA ( Apple Card ) Product : Credit card Issue : Billing dispute Provisional credit issued but not accessible Disputed transaction : {$39.00} Complaint Description ( copy & paste ) : I am filing a complaint regarding Goldman Sachs Bank USAs handling of a billing dispute on my Apple Card account.

The dispute involves the following transaction : Merchant : XXXX Amount : {$39.00} Transaction Date : Posted on XX/XX/year> Merchant Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, USA Goldman Sachs has applied provisional credit related to this disputed transaction ; however, they are not making that credit available for use. Although the provisional credit appears on my account, it is restricted and inaccessible, meaning my available credit has not been meaningfully restored during the investigation.

Crediting an account while simultaneously restricting access to those funds defeats the purpose of provisional credit and functions as a constructive denial of that credit during an active billing dispute.

I have not been provided with : A clear written explanation for why access to the provisional credit is restricted Documentation citing the legal or policy basis for restricting access Confirmation that this practice complies with the Fair Credit Billing Act ( FCBA ) and Regulation Z As a result, I continue to experience financial hardship and loss of access to credit while the dispute remains unresolved.

I am requesting that Goldman Sachs : 1. Immediately restore full access to the provisional credit related to this dispute, or 2. Provide a written explanation identifying the specific legal or policy authority for restricting access to provisional credit, and 3. Confirm compliance with all FCBA and Regulation Z dispute handling, notice, and timing requirements.

I am requesting CFPB review of Goldman Sachs Bank USAs practice of issuing provisional credit while restricting access to that credit on Apple Card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: NC

Complaint narrative:
To Whom I May Concern I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FCRA ). Please investigate the following accounts : GLOBAL Lending ( Account XXXX ) : The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. 
The information inaccurate and unfairly harms my creditworthiness. please conduct a reasonable investigation and correct or delete these items as required by law. 

Thank you for time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

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 the38668re 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 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 2025-12-18 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MOHELA
State: OK

Complaint narrative:
on XXXX XX/XX/XXXX, I paid off my daughters student loan through held by Mohela with my credit union electronic payments of $ XXXX and {$1200.00} in which was processed through XXXX XXXX via XXXX XXXX XXXX XXXX. Every payment was successful on her loan up to the date to include the {$1200.00} with the exception of the $ XXXX. The money was withdrawn my account and XXXX has provided proof of payment to Mohela, signed and notarized by the credit union. 

We have uploaded the proof to Mohela and waited hours on the phone to no avail, two hours on XXXX XXXX to get their escalation department, then the refused to escalate it further stating they need my daughters permission even though it was my money that paid her loan and in her best interest to be unshackled from the debt. My daughter is tied up in a oral surgery center and unable to be connected. 

We have been battling it since XXXX, but nothing would be resolved or communications made. The matter is still marked open with Mohela, however, to no resolution and they continues to send out bills for more payments. 

This matter has been frustrating, stressful and the cause for many sleepless nights.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
Could you take a pass at this entry? Im worried it may be incorrect.

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 2025-12-18 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-18 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: OH

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-12-18 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: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I called phh mortgage company regarding the escrow shortage on my account. Due to this shortage, my monthly payment is being increased by almost {$200.00} this has been happening every year, and if you review my history you will see that in total my mortgage payment has increased {$1500.00} additional to my regular mortgage payment of {$1300.00}. 
I have addressed this issue multiple times before. Spreading the escrow shortage over 50 month will make my payments manageable. 

I am requesting again that the escrow shortage be disbursed over 50 months so my monthly payment stays manageable and I can continue to afford my mortgage. 

This situation is extremely stressful and causes a lot of anxiety every year. I am simply asking for help to spread the escrow shortage so I can keep my home and remain current on my mortgage.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back In XXXX I discovered several FRAUDULENT transactions on my account I contacted the fraud department at capital one the claims where filed some resolved some not numerous refilling has been made due to system request to do so and this is not getting no where and here we are in XXXX my account is overdrawn now as a result and im being threatened for charge off I want my claims resolved in a timely manner. I also provided the letters from the company 's confirming the fraud as well! 

XXXXXXXX XXXX XXXX XXXXXXXX New case number XXXXXXXX XXXX XXXXXXXX New case number XXXX XXXX XXXX XXXX XXXXXXXX New case number XXXX all information was sent to this email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AZ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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