vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: DE

Complaint narrative:
This company validated the Delaware State law which its a 3 year statute of limitations to collect a debt the last payment on the credit card was XXXX of XXXX the company have false charges and dates on my credit report saying the account is from XXXX This card was closed in XXXX in XXXX the balance on this card was {$300.00} They have false money sent back adding up to almost {$400.00} maybe more I asked for a copy of the last bill which is indeed from XXXX its now XXXX this has to be deleted as I already disputed it on my credit report saying

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am disputing Capital Ones inaccurate XXXX late payment reporting for XX/XX/year>. 

My payment due date was XX/XX/year>. I made the payment on that same day, XX/XX/year>, through Capital One XXXX, using my XXXXXXXX XXXX XXXX XXXXXXXX account ending in XXXX. 

Capital Ones own XX/XX/year> statement confirms two payment attempts on XX/XX/XXXX : {$69.00}, and {$6.00}, which was successfully processed and posted. 

The {$69.00} payment was later marked as a XXXX XXXX XXXX on XX/XX/year>. However, my XXXXXXXX XXXX statement ( attached ) clearly shows that the debit for {$69.00} was processed on XX/XX/XXXX meaning that Capital One did receive the funds, but failed to apply them correctly. 

Since I initiated payment before the due date, this can not legally be reported as a late payment. Any processing or settlement delay between Capital One and its payment partner is not the consumers fault. 

Despite this, Capital One reported my account as XXXX days late, charged late fees and interest, and has refused to correct the record. 

Under FCRA 1681s-2 ( b ) and Regulation Z 1026.10 ( b ), creditors must accurately report consumer payment history and must not report a payment as late when it was initiated on or before the due date through their own payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 am writing as a consumer who values accuracy and integrity in credit reporting. After reviewing my credit report, I noticed an account reported as a late open that does not accurately reflect the true history or timing of my payments. I have always taken my financial obligations seriously and believe this reporting may have been the result of an error or delay in data transmission. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a full reinvestigation and correction of this account to ensure my credit file accurately represents my payment behavior. 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$2000.00}

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
On XX/XX/year>, I contacted Midland Credit Management to request a cease-and-desist of all communication regarding an alleged XXXX XXXX account that is over seven years old and time-barred under New Mexico law. During this call, the representative made inappropriate and personal remarks about my XXXX XXXX and told me that I had a moral obligation to make amends for the debt. 

After I objected, a supervisor joined the call and repeated similar comments, asking personal questions about why I believed I no longer had to pay. Both representatives recognized and then continued to ignore my verbal cease-and-desist request and continued to engage in harassing, irrelevant, and unprofessional discussion despite my repeated requests to stop asking questions its not their business I want you to stop calling and sending letters. 

These actions violate the Fair Debt Collection Practices Act ( FDCPA ) 1692d and 1692e, which prohibit harassment and false or misleading representations. I have requested that Midland preserve all recordings and logs of this call and provide a written apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX Honda in XXXX XXXX. The dealership ran my credit twice and told me everything was approved. They accepted my deposit of {$3000.00} and allowed me to take the car home the same day. 

A few days later, they contacted me saying the financing did not go through. They first said if I paid an additional {$2000.00}, they would trust me more and keep the deal. Then they changed their story again, saying I now needed a co-signer or had to sign a new contract at a higher interest rate. 

Because of this, I am now left without a car, since I sold my previous vehicle after being told this deal was final. The dealerships actions have caused me severe stress and emotional distress, and I have XXXX XXXX that have worsened due to the situation. I also now have two hard credit inquiries that make it difficult to qualify for another loan. 

This appears to be a case of yo-yo financing or spot delivery, where a dealer changes the terms after delivery. I have text messages and documentation showing that the dealership knew my credit situation before finalizing the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal request for the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. Relevant supporting documents are enclosed to substantiate my claim.

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 2025-10-21 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of {$970.00} account number XXXX that you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information : 1. The name of the original creditor. 2. A full itemization of the debt, including all interest, fees, and charges. 3. Documentation showing that I agreed to or am responsible for this debt. 4. Proof that you are legally authorized to collect this debt in my state. 5. A copy of any judgment ( if applicable ). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: VA

Complaint narrative:
My personal items were stolen wallet, phone, debit card, etc. My card received tons of unauthorized transactions from XXXX to XXXX. Discover denied majority of the disputed transactions but credited me for all less than {$20.00}. The transactions are obviously fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal request for the removal of this inaccurate account from my credit report, as I did not authorize its creation or usage. Relevant supporting documents are enclosed to substantiate my claim.

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
Notified by other sources that a lawsuit was pending. I received no prior notification to this information. I do not know who they are or how much the allege is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I want a full investigation of this account payment amount and showing that this is inaccurate its reporting XXXX difference information on all three bureaus this account is not being verified all inaccurate information on my reports

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 2025-10-21 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: NC

Complaint narrative:
I am filing this complaint against [ Experian / TransUnion / Equifax ] for willfully reporting inaccurate and unverifiable derogatory accounts that have severely damaged my credit standing. Despite multiple formal disputes and requests for validation, the bureau continues to report the following negative accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX Charge-off Navient Solutions 90-day delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled for less than full balance / XXXX XXXX XXXX XXXX XXXX delinquency XXXX XXXX XXXX ( via XXXX  XXXX  ) Collection account I have demanded copies of original contracts bearing my signature, full accounting ledgers, and proof of lawful assignment as required by FCRA 609 and 611, GLBA 6801-6809, UCC 9-210, UCCC, and other applicable laws. The bureau has failed to provide any meaningful investigation or documentation and continues to circulate false data to third parties, violating FCRA 623, XXXX XXXX, and SEC Rules 17a-3 and 17a-4.\n\n I have issued formal Notices of Intent to Arbitrate seeking deletion of all disputed accounts and {$25000.00} in damages per bureau. The bureaus inaction constitutes not only negligence but also willful noncompliance. 
I respectfully request the CFPB to compel the bureau to delete all above-referenced accounts, verify full compliance, and assist in remedying the harm caused to my financial reputation and opportunities.

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 2025-10-21 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: NC

Complaint narrative:
I am filing this complaint against [ Experian / TransUnion / Equifax ] for willfully reporting inaccurate and unverifiable derogatory accounts that have severely damaged my credit standing. Despite multiple formal disputes and requests for validation, the bureau continues to report the following negative accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX Charge-off Navient Solutions 90-day delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled for less than full balance / XXXX XXXX XXXX XXXX XXXX delinquency XXXX XXXX XXXX ( via XXXX  XXXX  ) Collection account I have demanded copies of original contracts bearing my signature, full accounting ledgers, and proof of lawful assignment as required by FCRA 609 and 611, GLBA 6801-6809, UCC 9-210, UCCC, and other applicable laws. The bureau has failed to provide any meaningful investigation or documentation and continues to circulate false data to third parties, violating FCRA 623, XXXX XXXX, and SEC Rules 17a-3 and 17a-4.\n\n I have issued formal Notices of Intent to Arbitrate seeking deletion of all disputed accounts and {$25000.00} in damages per bureau. The bureaus inaction constitutes not only negligence but also willful noncompliance. 
I respectfully request the CFPB to compel the bureau to delete all above-referenced accounts, verify full compliance, and assist in remedying the harm caused to my financial reputation and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: OK

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple items on my credit report that appear to be inaccurate, unverifiable, or misrepresentative of my true financial history. These items include a Chapter 7 Bankruptcy case listed as XXXX, as well as several accounts reporting questionable or incorrect information. These accounts include XXXX entries from XXXX Card dated XX/XX/XXXX and XX/XX/XXXX, a XXXX  XXXX account dated XX/XX/XXXX, and accounts from XXXX XXXX ( account ending in XXXX ), XXXX ( ending in XXXX ), XXXX XXXX ( ending in XXXX ), XXXX XXXX XXXX ( ending in XXXX ), XXXX ( account number XXXX ), and XXXX ( account number XXXX ). After reviewing my credit reports, I believe some of these accounts are being reported with incorrect statuses, dates, balances, or ownership, while others may not be verifiable at all. The continued reporting of potentially inaccurate or outdated information, especially regarding a bankruptcy, can have severe consequences for my creditworthiness and may violate FCRA provisions, including 607 ( b ) and 611 ( a ), which require maximum accuracy and reasonable reinvestigation of disputed items.

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 2025-10-21 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: OK

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple items on my credit report that appear to be inaccurate, unverifiable, or misrepresentative of my true financial history. These items include a Chapter 7 Bankruptcy case listed as XXXX, as well as several accounts reporting questionable or incorrect information. These accounts include XXXX entries from XXXX Card dated XX/XX/XXXX and XX/XX/XXXX, a XXXX  XXXX account dated XX/XX/XXXX, and accounts from XXXX XXXX ( account ending in XXXX ), XXXX ( ending in XXXX ), XXXX XXXX ( ending in XXXX ), XXXX XXXX XXXX ( ending in XXXX ), XXXX ( account number XXXX ), and XXXX ( account number XXXX ). After reviewing my credit reports, I believe some of these accounts are being reported with incorrect statuses, dates, balances, or ownership, while others may not be verifiable at all. The continued reporting of potentially inaccurate or outdated information, especially regarding a bankruptcy, can have severe consequences for my creditworthiness and may violate FCRA provisions, including 607 ( b ) and 611 ( a ), which require maximum accuracy and reasonable reinvestigation of disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 negatively impacted my well-being, causing stress and sleepless nights. All evidence is enclosed for its immediate removal.

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 2025-10-21 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: OH

Complaint narrative:
I DO NOT RECOGNIZE ANY ADDRESS NOT LISTED AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX or NAME : 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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I completed three separate cash back redemptions from my credit card accounts ( one of which belongs to my wife ) into our joint checking account. 
The transactions were for {$350.00}, {$290.00}, and {$260.00}, totaling {$900.00}. 

The next day, all three transactions were reversed, and my checking account became overdrawn as a result. 

I contacted customer service immediately to have the cash back restored, and was advised to visit a local branch. On XX/XX/XXXX, my wife and I visited the XXXX, NJ XXXX, where we met with XXXX XXXX XXXX ( XXXX ID XXXX ). We spent approximately two hours with him as he attempted to resolve the issue, but he was ultimately unable to help and directed me to call a specific customer service number. 

On XX/XX/XXXX around XXXX XXXX I called that number. I first spoke with XXXX XXXX from the credit card department, who insisted that I needed to speak to the checking account department. I asked him to double-check, but he confirmed there was nothing he could do and transferred me. 
Next, I spoke with XXXX XXXX in the checking department, who then transferred me to the rewards department. The rewards representative stated that I needed to speak with a supervisor. 

I was then connected to XXXX XXXX, a supervisor -in checking depo, and spoke with him for about 30 minutes. He informed me that only the credit card department could resolve the issue and transferred me again. Finally, after being transferred back and forth multiple times, I was told once more to contact the rewards department, bringing me back to the start of this cycle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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 BLOCK AND REMOVE. 
The continued presence of this account has impacted my well-being and sleep. Ive provided all necessary paperwork for verification and request prompt removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
During the week of XX/XX/XXXX I requested to have my payments be bi-weekly as they were before the loan was sold after correcting bank account information and payment source. I informed the company that my account was paid in advance from the time we purchased our home with XXXXXXXX XXXX. I was incorrectly informed by someone from their team on a recorded call to submit a payment logic change form to initiate the bi-weekly payments. After monitoring for the payments to be drafted, I noticed they were not withdrawn from my bank account. I called again the week of XX/XX/XXXX and a different representative informed me that the first representative provided incorrect information and that I needed to complete a different form for bi-weekly payments which I did. I made an additional payment on XX/XX/XXXX despite the fact that I made three payments in XXXX which paid for XXXX and the first half of XXXX therefore paying the mortgage through the second week of XXXX. I have called numerous times without resolution to have my bi-weekly payments initiated. The lender has erroneously stated that our account was not paid in advance despite the fact that I verbally provided them the payments and also emailed my mortgage statements to them on XX/XX/XXXX. On XX/XX/XXXX I filed two formal complaints after calling being denied the opportunity to provide a bi-weekly payment despite abiding by their terms and paying a full additional mortgage payment on XX/XX/XXXX to be eligible and consenting to a draft payment being completed for XX/XX/XXXX due to XX/XX/XXXX being a federal holiday. To date, we do not have any resolution, the mortgager continues to claim we are not paid in advance despite receiving a payment audit document from XXXXXXXX XXXX ( previous lender ) which is financially harming us by denying us the opportunity to continue to pay bi-weekly as we had before the loan was sold.

Company response to consumer: Closed with explanation