vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
I have XXXX accounts with Transunion and Experian XXXX XXXX XXXX  card, and XXXX that are saying on my credit report that I have settled for less than the full amount and the account is in a Derogatory status! 
I have not settled with either of these cards and I have been paying as agreed from the time I have open both cards to the present time! I have requested numerous disputes but when ever I try and call Experian the AI bot that answers the phone hangs up on me and won't allow me to speak to a human! When I call Transunion I am talking to a foreigner and there XXXX is not good and we have a language barrier and when I try to explain this issue came about from a mistake from a Transunion employee that called me on XX/XX/XXXX and caused my credit score to drop on both Transunion and Experian from the XXXX on Transunion and XXXX on Experian because XXXX of my accounts we switched to settled to less than agreed amount on XX/XX/XXXX and I have been able to get XXXX fixed but XXXX are still not fixed and still listing me as Derogatory and settling on XXXX and my XXXX XXXX Card. I need to get my credit fixed, it took me XXXX and half years to get from XXXX to over XXXX and to have it plummet on XXXX of the credit bureaus due to negligence is infuriating! I have my statements that will show on both cards that I have not missed a payment and I have been paying as agreed since I opened both cards please fix this matter!

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am reaching out to urgently request your assistance regarding a very distressing experience I have had with my 2025 Lexus vehicle and the towing company involved. 

Due to serious health issues, I was unable to make my lease payments for XXXX months. On the morning of XX/XX/year>, at around XXXX XXXX, someone from the towing company came to my home and loudly demanded my car keys in front of my neighbors and family. I felt extremely embarrassed and intimidated, and under pressure, I handed over my keys. My vehicle was then forcibly taken by tow truck. 

XXXX days later, I was told that I could only pay the overdue balance via XXXX XXXX. The process was extremely difficult, requiring multiple forms of personal identification, my job information, and other sensitive details. Despite these obstacles, I managed to make the payment. On XX/XX/year>, I went to XXXX XXXX in XXXX XXXX to retrieve my vehicle. I was left alone for XXXX minutes, and then the staff informed me that my vehicle was not operational and instructed me to call another towing company. My car was then removed with a forklift and left on the street. 

I contacted Lexus Roadside Service and had my vehicle towed to the nearest XXXX Lexus XXXX XXXX. Because of the towing companys mishandlingforcefully opening my drivers side door and improperly attempting a jump startthe electronics of my hybrid vehicle were damaged. Repairs took 12 days and cost approximately {$1500.00}, which I had to pay out of pocket. I have not yet been able to repair the drivers side door due to financial difficulties. 

I have contacted Lexus Financial multiple times to resolve this matter, but I was told repeatedly to deal with the towing company and was denied any responsibility. I have submitted a full claim to the towing company, including video evidence of the key handover, photographs, Lexus service invoices, and repair documentation, but as of XX/XX/year>, I have received no response or compensation. 

This experience has caused me immense stress, embarrassment, and financial burden. I am pleading for urgent attention and fair resolution to this situation. I hope my situation will be taken seriously, and I ask for appropriate compensation for the damages and hardship I have endured.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal statement to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my Experian credit file. The furnisher of this account has already confirmed that the account lacks the required documentation and has agreed to remove it from my record. However, Experian continues to report the account, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation within 30 days. Despite my clear dispute and supporting evidence, Experian has failed to correct or delete the unverifiable information as required. 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 explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was on a website I have used in the past well I thought I was on the website I called the website that I used in the past the number for customer service and they explain to me the website I was actually on is a duplicated account that a fraud or a scammer created using their exact logos they're exact information and everything they had I guess the only way you would know is if you clicked on all the buttons and certain buttons didn't work well I ordered an item they took the money out of my account as soon as I seen that it was a fraud transaction I noticed like incorrect grammatical errors and such I immediately contacted my card service through XXXX  which is Cash app and the person I ordered it from and I immediately asked for a refund the person that I got the order from that that ended up payin don't work so I immediately contacted support on my card and on the website that I ordered from and ask for a refund a couple days later the website was taken down and I got a letter or email from my card company saying they can not prove that this is a fraud transaction even though I have all the documents and statements proving it including the website being taken down and the phone number to the actual real website saying that this was a fraud page and I was scammed so the transaction was for the amount of {$60.00} on XX/XX/XXXX was taking immediately out of my account I never got the product and I I never got information for a product even being shipped to me I just got an email saying my order was confirmed when I tried to reach out to the number on their page the scam page when you click on the button it didn't work so there was no way of me calling them but I emailed them and I got an email back saying sorry no refunds and after that I never got another response I contacted cash app multiple times and I'm asking now for documentation on why they say this is not a scam charge and why I can not get my money back I have all documents proving that it was scam and I don't believe that they truly looked into this they didn't even ask me for what evidence or proof that I had

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-09 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MS

Complaint narrative:
Student loans were discharged under the Borrower Defense

Company response to consumer: In progress
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Collection agency keeps harassing for a debt that is not mine, not valid, also breach of fiduciary duties. The original debt was discharged. Was wrongfully assigned and now unlawfully enforceable. As well as seeking damages to my record under 15 U.S. Code 1692k - Civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Source receivable managment Amt : {$210.00} Unknown account that recently shown upon my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has been reported in error and must be deleted immediately. I never authorized it. Verification documents are included.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I got groceries and stopped at the gas station for gas. Card was blocked. I called ( XX/XX/XXXX XXXX am ) rep said I needed to verify proof of identity and address. I submitted my drivers license and Bank statement I was then told I had to wait XXXX days and was left stranded no gas XXXX  days later ( XX/XX/XXXX XXXX ) capital one calls me saying they approve my drivers license but not statement because XXXX XXXX doesnt have a branch I then submitted my utility bill while the review team was on the phone then was told I had to wait another XXXX days at this point its causing me to miss my XXXX XXXX. ( XX/XX/XXXX XXXX ) I call days later And asked why was my account still restricted I submitted what you asked for they said they called me at a number I didnt recognize I ask why wouldnt they call the number the review team called a few days ago ( they then go on to say they now need a pic of my physical social security card. IWhich I no longer have and holding my funds hostage I have kids and this has been so terrible they said they treat clients like family but I am being treated the total opposite I expressed all of this to representatives and was shown no true remorse for how theyre treating me. Its going on a month now XXXX card ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
They denied my request for a modification, repayment, etc. I wad not given a reason when called. They are living as if they saying just keep sending them. Youll keep getting it but you have no idea what.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am not affiliated with the listed creditors and never gave consent for this inquiry. Kindly remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report.

Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally. 
If the account is now owner by a third-party debt buyer, then I demand certification copies administered through the XXXX XXXX  XXXX XXXX that the debt buyer is properly license as a registered debt buyer, and proof of proper surety bonding. 
If the account is valid, then I need a drop-dead date as to when the negative charge-off will be removed from my credit report altogether. 
If the debt buyer purchase can not be proved legally with a Bill of Sale attachment, then the account collection must be deleted from my credit report, and my information must be purged by the debt collection agency. 
A response letter with a contact source of who to call for any negotiation process would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
This account was fully settled, but late payment notations continue to appear.

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 2025-10-09 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: FL

Complaint narrative:
This account was fully settled, but late payment notations continue to appear.

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 2025-10-09 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: SC

Complaint narrative:
I am filing this complaint regarding an inaccurate late payment being reported on a closed account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$0.00}. XXXX Reporting late payments on an account that has been closed and paid in full is misleading and violates the Fair Credit Reporting Act ( FCRA ). Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to ensure maximum possible accuracy of all reported information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet reported a 90-day delinquency on my federal student loan account. I had recently moved into a new apartment complex that was experiencing widespread mail delivery failures with the XXXX for the first several months of occupancy. As a result, I did not receive statements or servicing transfer notices from Nelnet. 

Once I discovered the issue, I immediately made payment arrangements and my loans are now current with the new servicer. However, Nelnet continues to report this delinquency, despite the fact that the loans are no longer serviced by them and I was not properly notified due to confirmed mail delivery failures. 

I am requesting that Nelnet update my credit report to reflect paid as agreed or remove the delinquency from my record. This inaccurate reporting has severely impacted my credit standing despite my prompt action to correct the issue once I became aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
Despite paying the account in full, its still being reported with late remarks.

Company response to consumer: Closed with non-monetary relief