vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year> I received a text message from my bank ( XXXX XXXX XXXX XXXX ) asking me if I was trying to purchase something at target in a different state. I replied no. This is normal for my bank to text me. I was then texted that I would receive a call from my bank in XXXX minutes. I received a call and the guy informed me he worked for XXXX XXXX and was going to help me with this fraud alert. He told me about the purchase and the amount of {$330.00} at target and asked if I was traveling. I told him no. He asked if I still had my banks cards on me or if they were lost. I told him I still had them in my possession. He then asked if I did any online shopping and to be careful with my card number on websites. As the call went on he then preceded to tell me that there was another pending charge of {$1500.00} from my same XXXX XXXX  bank card. I started freaking out asking what to do. He asked me my bank account balance on both my XXXX XXXX  and SoFi bank accounts. After telling him I had a SoFi bank account he asked me the balance and I told him. He said in order to reverse the transaction I needed to send {$540.00} to an invoice number that would stop all these payments. At this point I had {$540.00} in my checking account through SoFi. I told him that there was no pending payments of anything but I did have an alert on my SoFi account for fraudulent activity so I was worried. I clicked pay a friend and he told me a number to put in. I sent the {$540.00} and was out on a brief hold. Then he hung up. I couldnt recall the number he called me from. And I immediately called SoFi. As I was currently on the phone with XXXX XXXX XXXX XXXX or so I thought. I had sent {$540.00} to a specific phone number that is assigned to an XXXX XXXX. I told my bank what happened and filed a dispute in hopes to get my money back. They have denied my claim and now I dont know what to do. The phone number that had texted me about fraudulent activity was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
Businesses Involved : XXXX 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 : {$880.00}, valid through XX/XX/year> Summary : I am a homeowner at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was enrolled in the XXXX autopay system, which failed without any notice to me. I did not receive any failed payment notification. Instead of contacting me, the XXXX  turned the matter over to XXXX XXXX for collections. 

On the very day I received notice, I immediately paid all valid dues in full via cashiers check, excluding only the disputed penalties. Despite this, my XXXX  account was blocked and I was forced to deal with XXXX XXXX, creating unnecessary hardship. 

Concerns : Failure of autopay system without notice.

Collection actions initiated without opportunity to cure.

Disputed penalties and late fees.

Account blocked, preventing direct payments to XXXX.

Resolution Requested : Remove disputed penalties and late fees. 

Confirm all valid payments were properly applied. 

Restore my ability to pay XXXX  directly. 

Close the Allied Trustee collection file. 

Documents Attached : Proof of payment, correspondence, account records, XXXX  complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank , N.A . is reporting account ending in XXXX with contradictory and inaccurate information. 

The account is marked as Charged Off while simultaneously reported as Written Off in the amount of {$16000.00}. 

Citibank continues to show a past-due balance ( {$4600.00} as of XX/XX/year> ) on a debt they themselves closed and wrote off in XX/XX/year>. 

A write-off under IRS law ( 26 U.S.C. 166 and 6050P ; IRS Pub. 4681 ) is a tax event that extinguishes the receivable. Once a bank elects to write off, it may not continue reporting or collecting the same amount as active debt. 

No Form XXXX has been issued, as required by XXXX for canceled debt above {$600.00}. 

This reporting violates : FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), 1681i ( a ), 611 ( a ) ( 1 ) FDCPA 807 ( 2 ) ( A ) IRS 166, 6050P FTC Act 5 ( deceptive practices ) XXXX  Civil Code 1785.25 ( a ) The tradeline is unverifiable, materially misleading, and unlawful. 
NOTE : I have filed separate complaints with CFPB against XXXX, XXXX, and XXXX  regarding this tradeline ( CFPB Complaint IDs XXXX, XXXX, XXXX ). These complaints show the contradictory reporting directly tied to Citibanks furnishing of 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Received phone confirmation that the late fees were submitted for removal as well as approval of a loan modification, completed all terms set forth and required to obtain the loan modification, signed all requested documents, submitted the required payment ( that was sent to me for acceptance ) and received notification that the modification was completed as well as the signed document and new contract from XXXX XXXX XXXX in the workout team XX/XX/year> @ XXXX. On XX/XX/year> I received a text message that my vehicle is out for repossession. I did everything that asked and now they are deceptively trying to repossess my car. This has caused so much emotional stress. Companies should not be allowed to defraud consumers nor have such deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Subject : Escalated Complaint Carrington Mortgage Misrepresentation and Noncompliance with HUD Forbearance Requirements I am filing this second complaint because Carrington Mortgage Services has misrepresented the status of my FHA forbearance, closed my first complaint with false information, and continues to engage in practices that violate HUD/FHA servicing guidelines. 

Specifically : My FHA loan was current at the time I requested a hardship forbearance in [ month/year ]. 

Carrington initially represented my forbearance as XXXX, XXXX, and XX/XX/2025. 

Carrington then unilaterally changed the period to XXXX, XXXX, and XX/XX/2025 without notifying me or providing updated paperwork. 

Carrington closed my first complaint falsely stating the forbearance was given for XXXX, XXXX, XXXX is not true. 

I canceled the forbearance only after Carrington stated my credit would be negatively impacted, which directly contradicts HUD XXXX XXXX XXXX, which requires that : The Servicer must not report the Borrower as delinquent to any credit reporting agency during the forbearance period, provided the Borrower is complying with the forbearance plan. 

Carrington has repeatedly refused to provide accurate documentation, refused to confirm credit reporting compliance, and obstructed access to Advocacy staff. 

These actions are unfair, deceptive, and abusive under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), and violate : HUD Mortgagee Letter 2023-15 Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Real Estate Settlement Procedures Act ( 12 U.S.C. 2605 ) Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) Requested Resolution : Immediate investigation into Carrington Mortgages misrepresentation of my forbearance dates and its misleading closure of my first complaint. 

Written confirmation that my FHA loan will be reported as current to credit bureaus for any valid forbearance period, not suppressed or left to harm my credit.

Carrington to provide correct forbearance paperwork reflecting accurate months and terms.

Enforcement action against Carrington for misrepresentation and predatory servicing practices.

I have acted in good faith and complied with all requirements. Carringtons conduct has caused significant stress, risk of credit harm, and undermines my ability to keep my mortgage in good standing. 

Please escalate and take immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: ACIMA CREDIT, LLC
State: MN

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for continuing to attempt collection and furnish inaccurate information regarding an alleged debt from XXXX XXXX in the amount of {$810.00}. 

This account is not legally owed. In XXXX, Illinois XXXX XXXX XXXXXXXX XXXX, along with a bipartisan coalition of states, entered into a settlement with XXXX XXXX. The settlement required : All existing XXXX leases to be canceled, with consumers allowed to retain merchandise without any further financial obligation. 

XXXX XXXX to cease reporting negative information to consumer reporting agencies. 

I have provided proof of this settlement by uploading the public release from the Illinois XXXX  XXXX XXXX. I also included my FTC Identity Theft Report showing additional fraud concerns connected to my identity. 

Despite this evidence, XXXX XXXX XXXX disregarded my complaint and closed it as duplicate. This is unacceptable, as the documentation clearly shows that the alleged debt is void and unenforceable. 

By continuing to attempt collection and by furnishing this account to Experian ( and potentially other credit bureaus ), XXXX XXXX XXXX is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated XXXX system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of XXXXXXXX has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Balance : {$3600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Balance {$860.00} Date opened XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-09-30 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I processed a {$550.00} payment from a client through Square. On XX/XX/year>, I processed a second legitimate client payment of {$2500.00}. Shortly after, Square froze both payments and my entire account balance, placing all funds on hold. 

I immediately provided invoices, business documentation, and responded to every verification request. Despite proving these payments were authorized and tied to real services, Square has refused to release my funds. Their only response has been that the decision is final, and they will hold the money for up to 90 days. 

This action has caused significant harm to my business. These are legitimate transactions from paying clients, not fraud or unauthorized use. I rely on these funds to operate, and Squares blanket freeze without cause has created a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
I originally owed XXXX XXXX when it went delinquent in XXXX of XXXX, every month since then they have reported to my account and tacked on fees. I tried disputing it because ive never disputed anything before and I didnt know how in XXXX years time they could try to charge me just shy of XXXX times more then what I owed them when i went delinquent. I then got my credit report update for a loss of XXXX points this month because I tried to start a dispute they retaliated by somehow finding more ways to tack things onto my credit report to negatively impact me even more, they somehow managed to make my credit age go down worse and usually its only maybe a XXXX to XXXX a month added sometimes more sometimes less but on this month after trying to dispute they tacked on a XXXX dollar fee from XXXX last month to XXXX this month. I talked to a transunion support rep who told me it was worth a shot contacting this portal to see what there was possible to do because she said she didnt think this all seemed right either. I understand some fees being tacked on but dont know how it could go up XXXX XXXX

Company response to consumer: Closed with explanation