vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am disputing incorrect late payment marks on my credit accounts. 

For my XXXX  XXXX XXXX credit card ( Account # : XXXX XXXX XXXX XXXX XXXX  ), there are late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have never missed or been late on any payment during these months, and my account has been paid on time since the date opened. 

For my MB Financial Services auto loan ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), there is a late payment reported in XX/XX/XXXX which is inaccurate. I have always made timely payments on this account, which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is in regard to account XXXX for XXXX XXXX auto loan. 

We were late on pmt when job market bad with covid and did express to company. It should not even be reported since we were on some type of financial hardship. This was more then 3 yrs ago and we have been current and always ontime since then. 

We spoke with Capital One and they state they will leave for 7 years. 
HOWEVER they are constantly reporting it as if the 2 late pmt just occurred and it keeps bringing our credit score down by l ; ike XXXX or more points even though we have got an increase in our score in may places because we are paying off many things. 
It would go up but then Capital ONE would renew the 2 late pmt which also was during financial hardship and it should not be reported as something new.It is not legal for them to report it as if it just occurred and bring a score down by that much. 

I have attached a picture of how big the score jumped down because of this one difference even though our other stuff has been paid down.

I also have made a point to pay this loan off early so I do not have to deal with Capital One predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
do not recognize this account. I have disputed it many times. Show in collection for {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MD

Complaint narrative:
At roughly XXXX on XXXX, I made a purchase at XXXX  using the XXXX  feature. 
To use this feature, I logged in to afterpay using my phone number, XXXX, and then authenticated the login by entering the code sent to me via text. 
When selecting the payment method, I saw a Visa card I did not recognize, but thought it was probably an old visa gift card I previously added to my account. So, I added my debit card information, including my current address. I then selected my debit card as the payment type and submitted my order. 
I did not receive a confirmation email from XXXX, but had a first installment charge of {$16.00} to afterpay listed in my bank account. When I checked my cash app I did not see the purchase or loan installments in my account. 
At XXXX and XXXX, I received a text from afterpay saying my account password was successfully changed via XXXX. Which is not my email address. This text also said, If you didn't make this change, please reset password for both XXXX account and profile email ASAP. 
I checked my cash app account and all of my personal information was correct ( including my email address ) and my password was not changed. 
I then went to XXXX and logged in, authenticating the login via text code to my phone number XXXX. I saw my XXXX XXXXXXXX XXXX purchase listed in the account, including my current address ( with my full name ), and my bank card details. However, the account holder name, address and email were not mine. The account had a listed phone number of XXXX. 
After reading afterpays website, it appears you can use afterpay.com OR cash app afterpay ( not both ).

The afterpay system gave way for two accounts to have the same listed phone number, which is used for access authentication. This lead to me having access to another users full name, address, and bank card information. Additionally, it allowed this user to see my full name, current address, and bank card information I contacted afterpay.com support via account support ticket. As I did not find a support phone number on their website. 
I contacted cash app support via chat at XXXX, but my concerns over my private information being shared and request for a timeframe to receive assistance were not responded to. The cash app support representative said my case was moved to a specialized team and stopped responding to me after XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
I respectfully submit the following formal requests for documentation and action : Requests to MOHELA : 1. A copy of the official transfer notice MOHELA claims to have issued when the loans were returned to XXXX in XX/XX/XXXX. XXXX. The exact date on which MOHELA ceased all servicing responsibilities for my loans. 
3. A final loan statement from MOHELA showing the balance, accrued interest, and any fees at the time of transfer. 
4. A full payment history from XXXX to XXXX, clearly showing how each payment was applied ( to principal, interest, fees, or other ). 5. A written explanation of why MOHELAs borrower portal only displays payment activity up to XXXX, and instructions on how I can access the missing records from the last decade. 
6. A written confirmation that MOHELA had no relationship with XXXX XXXX XXXX XXXX. 

Critical Facts : Neither MOHELA nor XXXX  ever informed me in writing about this alleged transfer in XX/XX/XXXX. MOHELAs failure to notify me, combined with the lack of historical access to my account, caused financial harm and confusion that could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: National Consumer Telecom & Utilities Exchange, Inc.
State: WV

Complaint narrative:
A closed account was reopened in XXXX and there were charges added to the closed account in the amount of XXXX $ and then closed at the end of XXXX, then reported on XXXX, also showing on nctue report as a collection account for one month and then charged off all in the same day of XX/XX/year>. This is a fraudulent account as it was already dissolved in XXXX with a return of the phone to XXXX XXXX in XXXX Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I reviewed my credit report and noticed fraudulent accounts. Please remove from my report as soon as possible. This is hurting my ability to obtain credit! Thank you.

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 2025-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: HI

Complaint narrative:
After paying my loans for years, XXXX never informed me about the School Misconduct Forum when I asked why I was still required to pay, despite the XXXX XXXX XXXX XXXX XXXX ( XXXX ) lawsuits. I attended XXXX from XXXX to XXXX and was misled into signing loans I didnt understand due to my XXXX  XXXX. I was also promised job placement and alumni access to campus facilities but was denied access in XXXX and received no career support. 

In XXXX, after the federal government forgave XXXX XXXX loans, I pursued XXXX School Misconduct Forum. I had to argue with multiple representatives to obtain the forum application, causing significant stress and affecting my mental health. My application, detailing XXXX  misleading practices and my XXXX  XXXX, was denied without explanation. I have submitted three appeal letters with no response. Now, MOHELA representatives, unaware of my loan history, are harassing me for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like 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 2025-08-09 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: GA

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

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 2025-08-09 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: GA

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am formally filing a complaint with UNITED AUTO CREDIT CO data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be erroneous or incomplete, and you are required to conduct a reasonable investigation within 30 days. 
I formally request that the above information be reviewed, and if it can not be verified accurately, that it be updated as quickly as possible.

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 2025-08-09 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: GA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 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 2025-08-09 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: TX

Complaint narrative:
Date : XX/XX/year>2025 Experian XXXX XXXX XXXX  XXXX, TX. XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Dispute & Demand for Permanent Deletion XXXX XXXX XXXX  {$5000.00} To Whom It May Concern, I am formally disputing the accuracy and legality of the XXXX XXXX XXXX account, purportedly in the amount of {$5000.00}, XXXX XXXX XXXX account, purportedly in the amount of {$590.00}, and XXXX XXXX XXXX, XXXX account, purportedly in the amount of {$1100.00}, currently reporting on my Experian credit report. This account is not mine, and your continued reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days and delete any information that can not be verified with proper documentation from the original creditor. You are also reminded of your obligations under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in consumer reporting. 

Furthermore, XXXX XXXX XXXX is acting as a debt collector and is therefore subject to the FDCPA. Under 15 U.S.C. 1692e, it is unlawful to use any false, deceptive, or misleading representation in connection with the collection of a debt. They are not licensed with the XXXX XXXX XXXX XXXX XXXX XXXX ) to collect debts in the State of Texas, rendering their collection activities unlawful. Any attempt to collect or report an account without proper licensing is a direct violation of both state law and federal law. 

You are hereby put on notice that if this account is not permanently deleted from my credit file within the required statutory timeframe, I will file formal complaints with the CFPB, the Texas Attorney Generals Office, and take further legal action for willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1692k for actual, statutory, and punitive damages, as well as attorneys fees. 

This is a final demand for deletion. I expect written confirmation that the account has been permanently removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX : XXXX WAS OPENED WITHOUT MY KNOWLEDGE AND IS A DIRECT RESULT OF FRAUD AND IDENTITY THEFT I WAS IN THE PROCESS OF CLOSING A MORTGAGE ON A HOME AND WAS MADE AWARE OF THIS ACCOUNT AND WAS DIRECTED TO PAY OFF OR SETTLE THE ACCOUNT TO BE ABLE TO CLOSE LOAN WITHOUT ANY ISSUES BY THE CLOSING DATE. IN WHICH I REACHED OUT TO XXXX XXXX  AND AGREED TO SETTLE THE ACCOUNT EVEN THOUGH IT WAS A FRAUDULENT ACCOUNT SO THAT I WOULD ABLE CLOSE ON MY HOME. UPON DOING THIS I WAS TOLD THE ACCOUNT WOULD BE UPDATED AND REMOVED IN WHICH NEITHER HAS BEEN DONE.

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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Complaint Summary : On XX/XX/XXXX, I financed the purchase of a Used XXXX XXXX XXXX ( XXXX : XXXX ) through Capital One Auto Finance from XXXX XXXX XXXX, Wisconsin. Amount financed was {$17000.00} for seventy-two months. I made a down-payment of {$2000.00}. Within 14 days of purchase, the vehicle developed severe mechanical issues specifically, complete transmission and suspension failure rendering it inoperable. 

I immediately contacted the dealerships sales, finance staff, and General Manager multiple times but received no resolution. Instead, I was instructed to take the vehicle to a XXXX service center for a diagnostic inspection. The resulting report confirmed that both the transmission and suspension require replacement, with an estimated repair cost of {$12000.00}. 

On XX/XX/XXXX, I provided this diagnostic report to both XXXX XXXX XXXX and Capital One Auto Finance. Despite this evidence, neither party has offered any remedy. These serious and undisclosed defects existed at the time of sale, and the vehicles failure so soon after purchase has deprived me of its intended use. 

I believe this constitutes an unfair and deceptive sale, leaving me with a non-operational vehicle and ongoing financial obligations for a vehicle that can not be used. 

I have attached the finance contract and the diagnosis report/estimate for your records. 

Desired Resolution : Cancel the loan in full, accept return of the vehicle, refund my down-payment and remove any related financial obligations from my account.

Company response to consumer: Closed with explanation