vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: VA

Complaint narrative:
According to my recent credit report, Discover credit company has reported one or more late payments during the COVID-19 pandemic period. I am requesting a Good Will Adjustment correction of this information based on protections afforded by federal law and circumstances related to the declared national emergency. I have also mailed a Good Will forgiveness letter to Discover Corporate office to further explain my concerns. The late payment was reported on XX/XX/year> and XX/XX/year>. 

Under 15 U.S. Code 1666b, card issuers must provide a grace period before any late fee or adverse action is taken. During the pandemic, I faced unprecedented financial hardship. Furthermore, the CARES Act and guidance from the Consumer Financial Protection Bureau ( CFPB ) encouraged lenders to work with consumers and avoid negative credit reporting if payment accommodations or deferrals were granted or requested.

I assert that : 1. I communicated hardship and requested forbearance/relief during the pandemic. The lender failed to provide reasonably accommodate for my request.

2. Reporting these late payments potentially violates the intent of 15 U.S.C. 1666b and the COVID-era guidance from federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
I got into a predatory car loan because I was in a tough spot and needed a vehicle quickly to get to work. My credit wasnt great, so traditional financing options were limited. When a dealer promised " guaranteed approval '' with no credit check, I didnt ask too many questions. The paperwork was rushed, the terms were confusing, and I didn't fully understand the interest rate or the long-term cost. It wasnt until a few months later, when the monthly payments felt impossible and I realized Id be paying far more than the car was worth, that I understood Id been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
I'm currently a XXXX XXXX. I've been in school since XXXX and when not enrolled, my loans have been in deferment. My student loans are reporting late XX/XX/XXXX and XX/XX/XXXX. I'm not in repayment phase. Currently, my loans are in deferment but lates as much as 120 days late are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
This item Toyota Motor Credit is inaccurate on my credit report, this debt was charged off. I am requesting that this item be removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
Had a credit card with discover and there was some fraud on it, I disputed charge they wouldnt remove it, I gave police report and employor letter stating I was in different city at the time. Discover refuses to remove the item and in 20 years it's the only negative item on my credit. To think that the XXXX XXXX XXXX I have sed in credit to have XXXX, XXXX item hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I DO NOT RECOGNIZE THE BELOW LISTED ADDRESSES AND PHONE NUMBER, PLEASE REMOVE FROM MY CREDIT REPORTS. THANK YOU XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX 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 2025-06-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I lost my debit card on thursday XXXX, 2025 or Friday XX/XX/year>. I called chase bank to tell them and they told I could get it replaced. I told them I had to use my card to that Friday and was told I could lock my card and unlock my card to use it and that I could use my card via my phone to make purchases and then request a new card. I used my card on Friday to to uber and then i used it in my towns celebration festival to buy food. When I came home i went to check my balance. It said I had a {$1.00} left in my account and I saw that my card was used at a XXXX store for XXXX. I did not shop at XXXX so I went into my chase app and submitted a claim for fraud as my card was lost and used by someone I do not know or authorize to use my account and card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX always says they investigate when they dont they do not report the correct information. Been trying and they come back as no change or update with the same thing. tired of dealing with them.

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 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
Iv

e tried calling MULTIPLE times every single time I call its some automated voicemail saying please call back. They have no type of email or address. Ive tried getting in contact with the original lender and they say I have to go through Jefferson capital. I tried going through the consumer financial protection bureau twice already with no response whatsoever. Tried sending an email and cant get ahold of anyone. Finally got ahold of someone and now I cant even remember who but tried making sure they had the correct address and information and requested proof of debt, validity of debt and amount owed requested it to be sent certified mail and never received anything and no response from either company. Ive disputed this debt and every time I get nothing Even tried reaching out to see if I could just pay and the automated message had no record of me Im so over this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
i was ready to do transactions ... but always this company Coinbase has issues,,, then they told ne do your verification of your ID again... then i did after 2 days they told me my verification was successfully... then i got access to the portal do transactions..... again they said from yesterday that my account is blocked for 60 days.... then i said i want to do the cancellation they said they will call me in 2 days ... then nobody call.... i connect with then again... i said i need my money back as a emergency i need too pay the hospital and send Coinbase is : Refusing to consider the real-life harm caused by their arbitrary policy. 

Imposing a 60-day restriction without offering due process, transparency, or a path for appeal. 

Causing you medical, humanitarian, and financial losses despite you having provided clear, documented urgency. Aid money to other country.... but they dont care.... my money still there...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
What happened : I am filing this complaint against TransUnion and Equifax for publishing and verifying a fabricated, post-judgment rental debt reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$27000.00}. 

This debt does not stem from a money judgment ( XXXX is not checked on the document, no money was awarded ), and I have submitted court records and government findings confirming that no such judgment exists : The unlawful detainer case resulted in a judgment for possession only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX substituted in after the case was closed and never litigated or obtained a financial award. 

In a letter dated XX/XX/year>, XXXX confirmed in writing this is a non-judgment debt. 

A letter from the California Department of Real Estate ( XX/XX/year> ) confirmed : No money judgment exists The debt was reported post-judgment The reporting firm falsely claimed to be the original creditor XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX are not XXXX licensed and acted as unregulated principals Despite this : TransUnion  : Removed the tradeline on XX/XX/year>, but reinserted it around XX/XX/year> without any notice or new documentation, violating FCRA 1681i ( a ) ( 5 ) ( B ). 

A XXXX XXXX screenshot confirms the debt was re-reported with an inflated balance of {$27000.00}. 


Equifax : Responded to CFPB Complaint # XXXX on XX/XX/year> stating the debt was verified with additional information, but failed to provide any documentation.

This is a violation of FCRA 611, especially since TransUnion  removed the same tradeline as unverified. 


Supporting documents include : XXXX Letter ( XX/XX/year> ) XXXX Letter ( XX/XX/year> ) XXXX XXXX screenshot ( showing XX/XX/year> reinsertion ) CFPB Complaint Detail ( Equifax : # XXXX ) Additional context : I have filed this case with the California Attorney General, the FTC, and the State Bar of California ( XXXXXXXX XXXX XXXXXXXX ). 

I am currently awaiting a ruling from the California Appellate Court regarding the original unlawful detainer. The hearing was held in early XX/XX/year>. 

On XX/XX/year>, the CFPB forwarded my complaint against XXXX XXXX XXXX XXXX XXXX directly to the FTC, indicating this matter may involve broader deceptive practices beyond credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
What happened : I am filing this complaint against TransUnion and Equifax for publishing and verifying a fabricated, post-judgment rental debt reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$27000.00}. 

This debt does not stem from a money judgment ( XXXX is not checked on the document, no money was awarded ), and I have submitted court records and government findings confirming that no such judgment exists : The unlawful detainer case resulted in a judgment for possession only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX substituted in after the case was closed and never litigated or obtained a financial award. 

In a letter dated XX/XX/year>, XXXX confirmed in writing this is a non-judgment debt. 

A letter from the California Department of Real Estate ( XX/XX/year> ) confirmed : No money judgment exists The debt was reported post-judgment The reporting firm falsely claimed to be the original creditor XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX are not XXXX licensed and acted as unregulated principals Despite this : TransUnion  : Removed the tradeline on XX/XX/year>, but reinserted it around XX/XX/year> without any notice or new documentation, violating FCRA 1681i ( a ) ( 5 ) ( B ). 

A XXXX XXXX screenshot confirms the debt was re-reported with an inflated balance of {$27000.00}. 


Equifax : Responded to CFPB Complaint # XXXX on XX/XX/year> stating the debt was verified with additional information, but failed to provide any documentation.

This is a violation of FCRA 611, especially since TransUnion  removed the same tradeline as unverified. 


Supporting documents include : XXXX Letter ( XX/XX/year> ) XXXX Letter ( XX/XX/year> ) XXXX XXXX screenshot ( showing XX/XX/year> reinsertion ) CFPB Complaint Detail ( Equifax : # XXXX ) Additional context : I have filed this case with the California Attorney General, the FTC, and the State Bar of California ( XXXXXXXX XXXX XXXXXXXX ). 

I am currently awaiting a ruling from the California Appellate Court regarding the original unlawful detainer. The hearing was held in early XX/XX/year>. 

On XX/XX/year>, the CFPB forwarded my complaint against XXXX XXXX XXXX XXXX XXXX directly to the FTC, indicating this matter may involve broader deceptive practices beyond credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX.Tried to apply for a Cash App card and it keeps saying unexpected error.Please try again later and when I do try later, it says the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX account alerted me that a new collection account was added by DRS for a debt originally owed to XXXX XXXX XXXX. This debt is not new it originated in XXXX and went delinquent that same year. 

However, DRS is reporting the account with a date opened of XX/XX/XXXX on my XXXX  credit report. This caused my credit score to drop XXXX points, from XXXX to XXXX, as if the delinquency had just occurred. 

This re-aging of the debt is a violation of the Fair Credit Reporting Act. It falsely extends the reporting time of a negative item and misleads credit scoring models. I have disputed the inaccuracy, but no correction has been made. Im asking the CFPB to investigate and have the account either corrected to reflect the original delinquency or removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express started charging {$29.00} for what it calls return payment fees, but when we checked our bank, the payment had gone through. This had happened twice when we added them. It's happening at least 3 more times. We adked them to refund but are refused. We looked up the kaw, znd it says that payments that are recycled and never reissued and are successfully paid are not to be charged fees, nit to be charged return payment fees. We called American Express fir the first ones abd explained that to them and told them about the law and asked fir a refund but they refused and have continued to charge fees if something ever crosses. They are cheating all theur customers and making do much money by breaking the law, but I know they know about it because I personally told all the was to supervisor level. They are out of control with no fear of consequences. Someone has to pit a stop to this. I'm on s fixed income and my partner is retired. We can't afford losing any money to trillionaires. Please stop them and get us our money back. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt validation requested and nothing has been verified or confirmed To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation and Investigation under the Fair Credit Reporting Act Dear Midland Credit Management Inc., I am writing to formally dispute an account listed on my credit report and to request a full validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the account I am disputing : Creditor Name : [ Creditor or Collection Agency Name ] Account Number : [ Account Number as listed on report ] Date Opened : [ Date, if known ] Amount : [ Amount listed ] I do not recognize this debt and request that you verify its accuracy and provide the following : 1. The original creditors name and address 2. Documentation showing I agreed to the debt 3. The complete payment history 4. A copy of the signed contract or agreement, if available 5. A statement of how the amount was calculated Until you have fully verified and validated this account, I request that it be marked as disputed on my credit report. 

If the account can not be verified, I ask that it be removed from my credit file in accordance with the FCRA. 

Please conduct your investigation and provide written confirmation of your findings within 30 days, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a request to Transunion to mark my discharged as paid. They fixed the error, but then changed my FICO score indicating serious delinquencies I ran my credit report through transunion and there are none.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian always says they investigate when they dont they do not report the correct information. Been trying and they come back as no change or update with the same thing. tired of dealing with them.

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