vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
They do not want to give me any information on anything that i asked them to and dont want to validate the law or any details of any kind

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kopp Collection Service, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been calling and sending letters for maybe more than a year related to medical debt related to the XXXX XXXX XXXX. 
I have called the hospital and doctor billing groups, both say there is no outstanding debt and nothing sent to collections.

I looked at the date of the claim and there was no claim to my insurance for that date or that amount.

There is no bill to insurance and the hospital says the debt does not exist, I asked collections to verify the debt, they say it still exists. There is no outstanding debt for me to pay in the online portal and maybe if the medical debt was sent to insurance it wouldn't be outstanding either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Inquiries : Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2025-12-01 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to address inaccuracies on my credit report. Below are the accounts I am disputing, separated by bureau, and the details of the disputed items. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENT XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXXXXXX XXXX at XXXX XXXX I went to deposit about {$100.00} in the atm and the atm stole it without giving my money back. I needed that money today to help pay for bills as well as get to work. The bank however told me id have to wait XXXX days for my funds back. I get no compensation for something that is the BANKS FAULT. If i were to break into the machine for my money id be arrested since it is owned by the bank but my money gets taken and nobody can do anything about it. this is an unfair way to treat patrons when it is the banks system that is at fault. I spoke with a teller and he claimed that this case is just one of many and the fact the bank can get away with holding funds like this without an actual person even checking if there is good reason to withhold the funds first is incredibly unfair.

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 monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am disputing the accuracy and validity of a debt that NORDSTM/TD claims is owed under the above account number. I received information indicating that I allegedly owe a balance, but NORDSTM/TD has not provided proper debt validation to confirm that this debt is legitimate, belongs to me, or is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Inquiries TU : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments TU : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing to report that the Newrez website has been inaccessible for more than XXXX weeks, and this ongoing issue is directly affecting my ability to manage my mortgage account. 

I tried to : log in reset my password view my monthly statements make payments or confirm payment posting But the website does not load properly, and the system consistently returns errors. 

This situation creates risk for missed payments, late fees, and inaccurate account reporting, and it prevents customers like me from managing our accounts responsibly.

I am requesting the following : Immediate confirmation that Newrez is aware of the website outage.

A clear timeframe for when the website will be fully restored.

Assurance that no late fees or negative credit reporting will occur due to website problems.

Alternative payment options that do not charge fees while the website is down.

Please respond to this letter as soon as possible with an update and a solution.

It is important that Newrez maintains a reliable system so customers can access and manage their accounts without interruption.

Thank you for your prompt attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am disputing the following items on my Equifax credit report : Charged-Off Accounts EQ : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$880.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$14000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$7300.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$880.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Inquiries EQ : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding dealer fraud and an illegal, undisclosed down-payment loan connected to my vehicle financing. 

On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX in XXXX, FL. The dealership submitted a credit application to XXXX XXXX/Westlake Financial falsely claiming I paid an {$8000.00} cash down payment, when I actually paid {$1500.00}. 

To hide the false down payment, the dealership forced me to sign a separate, undisclosed promissory note with a company called XXXX XXXX XXXX for {$5500.00}, plus pressured me to pay an additional {$1000.00} the next week. 
This predatory side loan includes weekly fees and was NOT included in the retail installment contract or disclosed to the primary lender. 

This conduct is illegal and constitutes : Down-payment loan packing Predatory lending Coercive and deceptive sales tactics Failure to disclose financing terms TILA violations Misrepresentation to a financial institution Violations of FDUTPA ( Florida Deceptive & Unfair Trade Practices Act ) I have documented proof including : Dealer credit application showing an {$8000.00} false cash down payment My actual down payment receipt for {$1500.00} The Unify Capital promissory note Dealer repayment plan documents Dealer signatures and dates Westlake approval documentation I am the victim in this situation and want : 1. The fraudulent XXXX XXXX down-payment loan voided 2. A full investigation into XXXX XXXX XXXX 3. Assurance that my Westlake loan remains active and unaffected since I did not commit fraud 4. Protection from any retaliation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: WI

Complaint narrative:
Have money lion and I paid back all of the Instacash and wanted to quit the credit builder that they withdraw from me and I want my money back and they insist that I won't get my money back unless I pay the credit builder off and I still won't be able to quit. They are over drawing my account at my back now they ruin my credit and give the money I put in this account away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a consumer who is working diligently to resolve the inaccuracies on my credit report. Below are the accounts in dispute, and I respectfully request that these items be reviewed for accuracy. 

CHARGED OFF EXPERIAN ( EX ) XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} LATE PAYMENTS EXPERIAN ( EX ) XXXX XXXX XXXX Account Number : 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 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Case # XXXX I was the POD on my deceased mother 's account. On the claim form, I asked them to deposit the funds to my Capital One account. Instead, they XXXX 'd me a check on XX/XX/year> and didn't tell me the tracking number. I didn't receive the check until XX/XX/year>, and it was too large for a mobile deposit. So I had to overnight it to another financial institution through XXXX on XX/XX/year>. 

XXXX confirmed they lost the package on XX/XX/year> and sent me a confirmation to that effect. 

On XX/XX/year>, I called Capital One to tell them that XXXX lost the package, so they could cancel the check and issue me another one. They say they have to wait 90 days after the issuance of the check to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the following accounts that are currently in dispute on my credit reports. I request an investigation and resolution based on the details provided below. 

XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} DPT ED/XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} DPT EDXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} DPT EDXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} DPT EDXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} DPT EDXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  , Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX, Account Number : XXXX , Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX Account Number : XXXX, Date Opened XXXX XX/XX/XXXX XXXX Balance : {$2100.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX  Account Number : 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 2025-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has confirmed discharge but is withholding the final {$10000.00} refund owed under the Department of Educations discharge order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation