vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Im disputing how Spring Oaks Capital is handling an old debt from XXXX XXXX, originally opened in XX/XX/year> in XXXXXXXX XXXX. The debt is now over XXXX XXXX XXXX, and under XXXX XXXX statute of limitations on written contracts ( XXXX XXXX XXXX ), this debt is time-barred. 

Despite that, I tried to settle voluntarily. I was told if I paid {$5.00} to restart the account, I could enter a discounted settlement plan. I paid the {$5.00}, then paid another {$25.00} a few days ago to start the monthly payments. 

I asked them to settle for {$300.00} total due to the age of the debt. They refused and are still showing a balance of over {$2300.00}, which is higher than what was originally discussed ( they previously told me the settlement was around {$1800.00} ). 

This is unfair and misleading. I have made XXXX payments totaling {$30.00} already. I am simply trying to resolve this fairly based on the law and the settlement I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
They closed my acct said I was gambling and that was. Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am writing as school loans are not subject to be reported as unpaid while in forbearance. Im asking that this account be removed completely from my credit report. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

While in forbearance its reported me to have been late XXXX days over XXXX times and is dragging my credit down. 

I only have been to XXXX schools and its reporting XXXX loans to all be late while in the forbearance. 

It also shows very inconsistent reporting with the major credit companies. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

In forbearance the statute of limitations is extended, every update makes the account in good standing. Reaging the account while in forbearance in the reporting manner is illegal. 

Not indicating when/if the account has been sold and misrepresentation of the account status while in forbearance by stating its over XXXX days is not accurate. 

Not reflecting a {$0.00} after transferred/sold/paid/ in forbearance. 

Reporting inconsistent balances across bureaus. 

Date of first opening illegally being changed. Should reflect the month and year it was first opened. 

Changes while in forbearance from XXXX to XXXX XXXX day status. 

Because of this, I'm asking that this XXXX account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am writing as school loans are not subject to be reported as unpaid while in forbearance. Im asking that this account be removed completely from my credit report. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

While in forbearance its reported me to have been late XXXX days over XXXX times and is dragging my credit down. 

I only have been to XXXX schools and its reporting XXXX loans to all be late while in the forbearance. 

It also shows very inconsistent reporting with the major credit companies. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

In forbearance the statute of limitations is extended, every update makes the account in good standing. Reaging the account while in forbearance in the reporting manner is illegal. 

Not indicating when/if the account has been sold and misrepresentation of the account status while in forbearance by stating its over XXXX days is not accurate. 

Not reflecting a {$0.00} after transferred/sold/paid/ in forbearance. 

Reporting inconsistent balances across bureaus. 

Date of first opening illegally being changed. Should reflect the month and year it was first opened. 

Changes while in forbearance from XXXX to XXXX XXXX day status. 

Because of this, I'm asking that this XXXX account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am writing as school loans are not subject to be reported as unpaid while in forbearance. Im asking that this account be removed completely from my credit report. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

While in forbearance its reported me to have been late XXXX days over XXXX times and is dragging my credit down. 

I only have been to XXXX schools and its reporting XXXX loans to all be late while in the forbearance. 

It also shows very inconsistent reporting with the major credit companies. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't follow what the CFPB says is fair and accurate credit reporting. 

In forbearance the statute of limitations is extended, every update makes the account in good standing. Reaging the account while in forbearance in the reporting manner is illegal. 

Not indicating when/if the account has been sold and misrepresentation of the account status while in forbearance by stating its over XXXX days is not accurate. 

Not reflecting a {$0.00} after transferred/sold/paid/ in forbearance. 

Reporting inconsistent balances across bureaus. 

Date of first opening illegally being changed. Should reflect the month and year it was first opened. 

Changes while in forbearance from XXXX to XXXX XXXX day status. 

Because of this, I'm asking that this XXXX account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica

Complaint narrative:
My name is XXXX XXXX. I opened a checking account at Comerica Bank in Michigan, XXXX, in XXXX. At the time of my permanent return to XXXX that same year, the account had a balance of approximately {$500.00}. Since then, I have not returned to the United States, and I have never accessed or used the account. 

I recently tried to check the status of this account and was informed that the funds had already been withdrawn. I have never authorized anyone to make withdrawals or access this account, and I have not made any transactions since XXXX. 

I am requesting : XXXX. A full transaction history of the account from XXXX until the present day. 
XXXX. Information on when and how the funds were withdrawn ( ATM, online, in person, etc. ). 
XXXX. An investigation into any unauthorized activity on this account. 

The account may have also been under the name of XXXX XXXX, who was a minor at the time and could not have accessed the funds legally. 

My date of birth is XX/XX/XXXX. 
My current address is : XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint on cash app due to their lack of customer service and guidelines, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, and dont let people know that their money is basically at risk when using their app, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it XXXX concern, I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$26000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX  BALANCE : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( XXXX ) XXXX of XXXX. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within XXXX  days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear CFPB, I'm writing to report that XXXX XXXX XXXX XXXX is attempting to collect a XXXX debt from me that originated in XXXX. At the time, I was experiencing financial hardship.Given the new rule prohibiting medical debt reporting to credit reports ( effective XX/XX/XXXX ), I request that you assist in resolving this matter. I'm currently dealing with XXXX, which significantly impacts my ability to pay this debt. Furthermore, this health issue is also affecting my XXXX  service, as I'm undergoing a XXXX XXXX process. This situation has added to my financial stress, and I believe XXXX XXXX XXXX XXXX should cease reporting this debt and remove any negative marks from my credit report. 
Please investigate and ensure compliance with the new rule. I appreciate your attention to this matter. 

Sincerely, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MONEY SOURCE, INC., THE
State: WV

Complaint narrative:
My loan was sold from XXXX to XXXX ( formerly The Money Source ) on XX/XX/year>. I didn't receive notification of the transfer until after I made XXXX payments to XXXX on XX/XX/year>. XXXX payment was {$1000.00} principal only and the other was the minimum due of {$1300.00}. These showed as being applied to my account with XXXX and were debited from my checking account. 

When I received notification of the loan transfer to XXXX, my understanding was the payment would be forwarded and applied to my account. I didn't see that happen, so I called XXXX on XX/XX/year> to try to resolve the issue. They refused to take any action at that time, saying that it would all be cleared up within the XXXX window. 

I kept monitoring my account and wasn't seeing any changes, so I messaged them through their portal on XX/XX/year> and received an automated response that said to call them. I called them on XX/XX/year> and they again refused to take any action, citing the XXXX window, and said to call back if it wasn't resolved by XX/XX/year>. 

Nothing was done by XX/XX/year>, so I mailed them a physical letter with documentation of the payments ( attached ) and called XXXX again. They finally opened a ticket and when I asked for a timeframe for resolution, they said around XX/XX/year>. That was still within the XXXX window, so fair enough. 

They called me on XX/XX/year> at XXXXXXXX XXXX  EST requesting a copy of my bank statement showing the payment was deducted. I uploaded the statement to my online account and called them back the same day at XXXX XXXX to let them know I provided the documentation. They said it would be handled. 

It is now XX/XX/year>. It is past the XXXX window, and I have received no further communication, nor have the payments been applied to my account. I have reached out to this company 6 times in writing, over the phone, and through their portal and the issue is still not resolved. I have XXXX faith that they will fix it without intervention from a third party. I just want my payments to be applied to my account and the interest charged to be adjusted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

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 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