vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-24 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: MMRR Finance, d/b/a Cash Loans Direct
State: TX

Complaint narrative:
On XX/XX/year> I made a payoff to this company in the amount of {$140.00}. The company took an additional payment of {$71.00} which I didnt authorize. I called on XX/XX/year> and requested that they put the money back in my account and I was told that I needed to send a photo shoot of my checking account which I told them I wouldnt because they already have that information on file. The company is taking money from accounts without the customers permission. After making the payment I was not able to get into my account to see the transaction for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For more than two months I've been receiving calls on my cell phone from dozens of different phone numbers identified as coming from locations all across the country. Each incoming call leaves a voice mail message about my supposed loan file and that I'm close to approval of loans around {$60000.00} to {$66000.00}. I have made no such loan application and there is not existing loan file. The voice email messages left on my phone state different lenders and different names of individuals calling. The phone number of the latest caller is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Kindly acknowledge receipt of this request and provide written confirmation once the correction has been completed. I also reserve the right to take further action if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
The info being reported regarding my account is inaccurate the dates, balance, and payment history are all different on all 3 credit bureaus.I 've tried disputing with them twice and both times I never received any information validating any balance since my account was may have been breached in a recent data breach.

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 2025-12-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AppFolio, Inc.
State: MD

Complaint narrative:
Beginning in or around XX/XX/year>, a disputed XXXX XXXX  charge was entered into the tenant ledger through a property management software platform ( XXXX ) used by the property XXXX. Although my account simultaneously showed a credit balance and nothing for you to pay, automated notices and ledger entries continued to reflect past-due amounts. 
The disputed utility charge was treated as rent arrears and used as the basis for payment demands and eviction-related representations, despite my timely dispute and requests for clarification. I repeatedly requested a full accounting explaining how the disputed utility charge was classified, why the ledger showed both a credit and a past-due balance, and the basis for any past-due or enforcement-related notices generated by the system. 
The responses provided did not meaningfully address these discrepancies or correct the misclassification before enforcement actions proceeded. As a result, automated system-generated records were relied upon as authoritative despite notice of dispute, leading to inaccurate representations of debt allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Complaint Summary I am filing a complaint regarding Square , Inc.s handling of my business account and the withholding of my funds. 
My company, XXXX XXXX and XXXX XXXX, XXXX, used Square to process client payments in the normal course of business. I completed and submitted all verification and compliance documentation requested by Square. Despite this, Square notified me that my account was deactivated and that more than {$10000.00} in funds that were scheduled to be transferred to my business checking account have been frozen. 
Square has refused to provide any specific explanation for the deactivation or the fund hold, including what policy was allegedly violated or what steps, if any, I can take to resolve the issue. I was also informed that there is no department or representative available to speak with regarding this matter. I requested escalation, a transfer, and contact information for the department responsible for account reviews and fund holds, but Square declined to provide any assistance or point of contact. 
As a result, Square is retaining access to my business funds without transparency, due process, or meaningful customer support, which has caused significant disruption to my business operations. I am requesting that Square provide a clear written explanation for the account deactivation, identify the specific basis for holding my funds, and release all funds that belong to my business if no fraud or illegal activity is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
Lender committed a TILA timing violation ( 12 CFR 1026.19 ) by delivering and having me sign a Closing Disclosure on a Federal Holiday ( XX/XX/XXXX ). Because the holiday is not a business day, the XX/XX/year> signing of the Note was illegal. XXXX XXXX XXXX admitted in writing they were out of compliance and offered a cure loan ( # XXXX ) at 7 % interest at no cost. However, the XX/XX/XXXX XXXX revealed a deceptive misappropriation of {$11000.00} of my escrow equity to fund lender costs. After the rescission period expired, the lender breached the contract and refused to fund on XX/XX/XXXX. XXXX XXXX XXXX falsely claimed the cancellation was due to an expired credit report, but XXXX XXXX XXXX later admitted this was false and the cancellation was due to internal investor issues. XXXX now claims the XXXX loan was sold and can not be modified. I demand a {$14000.00} principal reduction to restore my {$11000.00} equity and cover damages, and either a modification to the 7 % rate or a new loan processed without new underwriting or credit pulls.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2025, I filed debit card disputes for unauthorized and merchant-error transactions totaling {$2900.00} ( {$850.00}, {$390.00}, and {$1600.00} ). Capital One provisionally credited my account, then later reversed the funds without providing any written determination, investigation results, documentation, or proof of authorization. 



Capital One failed to comply with 15 U.S.C. 1693f ( Regulation E ) by not conducting a good-faith investigation, not providing written findings, and improperly reversing provisional credit without documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Card has appeared on my credit report as a NEGATIVE impact decreasing my credit points. This report is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX has been reported to my credit report and has decrease my rating another XXXX points. That account has been paid up to date and was a error on the bank side with what should've been auto draft besides manual every month in terms of paying the amount. 

I have not supplied proof under the doctrine of estoppel by acquiescience, XXXXXXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of alleged debt exist.

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 2025-12-24 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Card has appeared on my credit report as a NEGATIVE impact decreasing my credit points. This report is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX has been reported to my credit report and has decrease my rating another XXXX points. That account has been paid up to date and was a error on the bank side with what should've been auto draft besides manual every month in terms of paying the amount. 

I have not supplied proof under the doctrine of estoppel by acquiescience, XXXXXXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of alleged debt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In their formal response to my previous complaint XXXX, Newrez stated XXXX " Payments received on current loans are applied in the following order : ... late charges and fees, and finally toward the principal balance. '' Relying on this written statement, I sent a bill payment of exactly {$25.00} on XX/XX/year> to satisfy the disputed fee. Newrez accepted the payment but applied it to Principal Reduction, violating the posting order described in their own legal response. 

I have now paid the funds they requested, but the fee remains outstanding and my account features remain locked. Newrez has provided contradictory information to the CFPB and is unable to follow its own stated payment application policies.

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 2025-12-24 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: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio, a predatory company, purchased my account without my knowledge causing me to fall behind @ 3mths, then repossessed my vehicle. Westlake then charged off the vehicle & placed on my report as a debt. I've requested a 1099, however never seen the 1099. 
* * * * * * * * * * * * * * * * * * I am filing this complaint against Westlake Portfolio Management and XXXX XXXX for furnishing inaccurate and misleading information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Westlake Portfolio Management & XXXX XXXX are reporting the following account as a charged-off account, which is false and unsupported by verifiable documentation : Westlake Account XXXX : XXXX XXXX XXXX  Acct XXXX Number : Unknown I have formally disputed this account directly with Westlake Portfolio Management and requested proper validation, including a signed agreement, complete payment history, proof of legal authority to report, and documentation substantiating the charged-off status. Westlake Portfolio Management has failed to provide competent evidence to support the information they are reporting. 
Despite the lack of verification, Westlake Portfolio Management continues to furnish inaccurate information to the credit bureaus, harming my credit profile and financial standing. 
Under the Fair Credit Reporting Act, furnishers are required to report only accurate, complete, and verifiable information. Westlake Portfolio Managements actions constitute negligent and/or willful noncompliance with federal law. 
I am requesting the immediate deletion of this account from all credit reporting agencies and written confirmation of the correction. 
I am also requesting that the CFPB investigate Westlake Portfolio Managements credit reporting practices related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I bought some books from a website, XXXX XXXX XXXX  using my XXXX account for {$57.00} and change. I am not sure of the exact amount because I thought I would get the email receipt. 

I did not receive a receipt, so I immediately checked my email. I received an email from XXXX that said I had authorized {$910.00} instead, and then it was upped to {$980.00}. 

XX/XX/year> XXXX XXXX  Hello, XXXX XXXX XXXX You authorized {$910.00} XXXX XXXX XXXX XXXXXXXX... 
Transaction date XX/XX/year> View Payment Details XXXX Qty : XXXX {$910.00} Subtotal {$910.00} Total {$910.00} USD Authorized with XXXX XXXX XXXX XXXX Debit XXXX {$910.00} XXXX  Youll see this purchase as pending in your payment status until XXXXXXXX XXXX  processes it. We'll send you another receipt if the final payment amount is greater than this authorization amount. 

Then, at XXXX XXXX  on the same day ( XX/XX/year> ), I received another email. 

Thanks for using XXXX We have an update for you You approved an authorization to on XX/XX/year> for {$910.00} USD. has updated the total amount of your transaction. Your new total is {$980.00} XXXX. See below for details. 

XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Authorization to Your authorization ID XXXX Merchant 's authorization ID XXXX Authorization date XX/XX/year> Authorization amount {$910.00} USD New Charge Date Transaction ID Amount XX/XX/year> XXXX {$980.00} USD Payment method ( XXXX ) for new charge XXXX XXXX XXXXXXXX {$980.00} XXXX  This charge will appear on your card statement as XXXX * XXXX. 

Total to for this transaction is {$980.00} USD. 

TOTAL OF CHARGES TO {$980.00} USD Please contact the merchant with any questions or for further details on this change. 

Again, I received a third email on XX/XX/year> at XXXX XXXX XXXX XXXXXXXX Honor order is on its way XXXX : XXXX XXXX number : XXXX Track Package XXXX XXXX added shipping details. Please note that the tracking information and shipping status are shown exactly as the merchant entered them. 

If you have questions about the shipment, please contact XXXX Transaction ID XXXX Merchant XXXX XXXX XXXX Shipping address Total XXXX {$980.00} USD Payment XXXX {$980.00} USD Payment sent to XXXX I checked the XXXX number and found the number was fake. A package had been delivered to another address out-of-state on XX/XX/year>. 

I have a screenshot of this, but I can not seem to get it to copy inside this box. I will have to upload it to you if you tell me how.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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:
Please assess the documents ; the questions arrived with no advance notice and might not be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Please examine the materials closely ; the questions were submitted without prior notice and could be unapproved.

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 2025-12-24 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
If I could get into my account I could provide you with these dates amounts an action. 
Cashapp blocked me because they think I fraud them or something like that.. I live in a rooming house an I took my card out of my pants pocket to get in the shower left my card in my room next to my bed now I have XXXX?? Something dollars missing from my account how is this my fault I don't know who did it bc there is 7 different people that live here with me we all have our own rooms.. 
The company that took the money out was XXXX. Wish you a merry XXXX an XXXX XXXX XXXX 
I hope you can help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Because of XXXX consecutive statements of credit, my automatic scheduled payments were shutoff without my knowledge or consent. I was not alerted to this shutoff and was not able to take action. I received a timely statement notice, but relied on the fact I had made no changes to my auto payments, and did nothing further. I proceeded to have XXXX late payments which significantly impacted my credit score. I paid the balance in full on XX/XX/year>. When I called to discuss this situation with Bank of America on XX/XX/year>, they acknowledged the shut off of auto payments after XXXX consecutive non-uses of auto payment was a standard practice and there was nothing further they could do about this situation. This is an abusive practice and should be remedied.

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