vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
There are two issues : 1 ) XXXX was taking out scheduled payments that I put in place based on when I was getting paid. When they changed their name to Mohela, I was not notified, but they said that I was. No one knew that they changed their name and it looked fraudulent. I have bank statements proving that XXXX was taking funds on a regular, scheduled basis and Mohela reporting this is keeping me from getting a loan less than a XXXX dollars, and my tax records are not correct that they are sending me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closed my account for first too many wrong sign ins and then suspicious activity. They didnt even notify me just kept giving me the run around. Some of those representatives would just hang up. I Dont care that they closed it or their reasons for it. I want my funds that were in my account sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Company : Bridgecrest ( Auto Loan Furnisher ) Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint regarding Bridgecrests failure to properly investigate and respond to a formal written dispute and the continued inaccurate reporting of an auto loan account on my credit reports. 

Detailed Statement In XX/XX/year>, I submitted a formal written dispute via certified mail to Bridgecrest regarding an auto loan account they are reporting. The dispute challenged the accuracy, completeness, and balance of the account and requested documentation supporting the reported balance, payment history, and derogatory notations. 

Bridgecrest never responded to my certified dispute letter. 

Despite the lack of response or documentation, the credit reporting agencies ( XXXX XXXX and XXXX ) later sent me automated notifications stating that the account was verified. These responses contained no supporting evidence, no documentation, and no explanation of how the investigation was conducted. 

The account continues to report a balance of approximately {$19000.00}, along with derogatory payment history and a profit and loss write-off remark, even though the account is reported as closed. This reporting is inconsistent, misleading, and unsupported. 

Violations and Concerns I believe the following violations may have occurred : Failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ) Failure to respond to a direct dispute submitted via certified mail Inaccurate and incomplete credit reporting, including conflicting account status, balance, and remarks Credit bureau reinvestigations that relied solely on furnisher verification without requiring competent evidence, contrary to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) A verified response without documentation or explanation does not satisfy the legal requirement of a meaningful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received {$100.00} from a friend via Cash App, and the entire amount was automatically taken to pay off a loan I had through the app ( Cash App XXXX ). I was not notified that incoming funds would be seized or withheld there was no warning, and I had no way to access any part of the money. 

I am experiencing financial hardship, and this {$100.00} was intended to help cover basic living expenses. Instead, Cash App applied it without my consent toward a loan balance, leaving me with a {$0.00} balance. I was given no choice to pause repayment, negotiate, or retain even part of the funds. 

This type of automatic offset should not happen without notice, especially when the funds received were not wages or regular income but assistance from another person. I have tried contacting Cash App support, but there has been no resolution. My XXXX check goes to Cash App every month so they wouldve gotten the money between XXXX of this month. My friend is counting on me to drive down to XXXX to record a very important meeting for her. 

Im requesting that Cash App refund the {$100.00} or offer a temporary hardship exception. Their policies around automatic repayment need to be more transparent and fair to consumers in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Hatfield, Inc.
State: MD

Complaint narrative:
I got these payday loans from GRID. I had closed the bank account that was associated with it so I tried to put the new one and the app wouldn't let me. It took my debit card from the new account though but I still couldn't put the new one. So, I spent several times trying to get the, not only trying to get them to let me pay from my new bank, but it kept telling me I had to settle the debt with old account which is closed! They kept telling me how to change the banking information but it wasn't working like they said. They got the payment off my new card but won't release it. Now they are trying to make pay again so I cussed them out and told them I was going to report them. So here I am. I have evidence that is attached to this complaint as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 

XXXX XXXX  XXXX : $ XXXX up Open date XX/XX/XXXX Last activity XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX up Open date XX/XX/XXXX Last activity XX/XX/XXXX XXXX Balance : $ XXXX up Open date XX/XX/XXXX Last activity XX/XX/XXXX, XXXX XXXX  XXXX  XXXX Balance : $ XXXX up Open date XX/XX/XXXX Last activityMay XXXX, XXXX XXXX  XXXX XXXX Balance : $ XXXX up to open account Open date XX/XX/XXXX, XXXX activity XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX up XXXX XXXX  XXXX Balance : $ XXXX up XXXX XXXX XXXX XXXX : $ XXXX up Open date XX/XX/XXXX Last activity XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank closed all of my accounts without performing the due diligence on the fraudulent transactions submitted. US BANK also refuses to communicate with me regarding the complete disregard for the closure and reasons for doing so. Additionally, not even 2 % of the fraud on all XXXX of my accounts was investigated or those transactions that were found to be unauthorized, they never returned to me as the accounts are closed. 
They have been deceptive since XX/XX/year> and I am requesting the reinvestigation of the accounts be reopened immediately. They have decimated a XXXX year business by closing the account, access to my funds, deposits and no fraud resolution. US BANK had the audacity to re open my personal account just to add banking fee 's!! I was charged {$920.00} for XXXX overdraft after account closure. This is due to the bank reordering transactions, not doing their due diligence on the fraud transcations and continuing to illegally refund my money. 
See the attached below transactions on XXXX accounts over the year and my business account which I deposited over {$130000.00} and never had issues with overdrafts, this is theft and deceptive banking and I am demanding the reopening of the XXXX accounts and to attach a credible bank for those amounts to be returned to me immediately. I do have counsel and will be pursuing this legally if no resolution. I also demand that US BANk retract their false reporting of my USBank XXXX Credit Card being late and over the credit limit when they removed my acess to the portal to even see my statements, make a payment or access ANY of my information in order to provide these banking statements to my attorney. This is serious and I have suffered enough over the past XXXX months with this bank. I have statements, documents and chronological attempts at contacting someone at this bank for simple answers, and Iam yet to receive even one response.

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Company : Midland Credit Management , Inc . 
XXXX XXXX XXXX ( attorneys/debt XXXX ) Type of issue : Debt collection / Harassment and intimidation Complaint description : I am submitting this complaint because a representative acting on behalf of Midland Credit Management XXXX XXXX law firm XXXX XXXX XXXX came XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX XXXX on XX/XX/year>, between XXXXXXXX XXXX XXXX XXXX XXXX to deliver a purported lawsuit. 

The individual aggressively knocked on my door and shouted my name loudly while neighbors were present, causing intimidation, fear, public embarrassment, and emotional distress, as if I were a criminal. 

The individual was a young woman approximately XXXX XXXX XXXX, slender, with blonde hair, and was driving a blue vehicle. 

The document they attempted to deliver did not contain a case number, court seal, or any official court identification. I later confirmed that no court case is currently filed in my name. 

I had already requested and received debt validation and also submitted a written payment plan proposal. Despite this, they continued using intimidating and harassing tactics, including in-person visits to my home. 

I further note that this is not the first time Midland Credit Management has used documents or communications that appear to be legal action as a means of pressuring payment, even when no active lawsuit exists. I believe this reflects a pattern of misleading and deceptive practices intended to intimidate consumers. 

I believe this conduct constitutes harassment, intimidation, public shaming, and deceptive debt collection practices, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. 

I respectfully request that this conduct be investigated and that Midland Credit Management and its representatives be ordered to immediately cease home visits and any form of intimidating debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion continues to report an inaccurate XXXX XXXX account despite prior disputes. The account information is inconsistent and should have been corrected or removed. This constitutes inaccurate 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 non-monetary relief
Consumer complaint received 2025-12-18 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-18 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:
I dispute this record in its entirety, as it is inaccurate and the result of identity theft and/or other fraudulent activity. After a careful review of the information reported, I can state with certainty that I was not involved in the events or transactions described. The use of my personal identifying information in this matter was unauthorized and appears to be fraudulent. 

I have taken, and will continue to take, appropriate steps to address this matter with the relevant authorities, including the filing of an identity theft report. I respectfully request your prompt assistance in investigating this matter and removing this fraudulent record from any public or consumer reporting files in which it appears.

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 2025-12-18 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:
I am submitting this as my third formal dispute concerning multiple inaccuracies currently appearing on my TransUnion credit report. Despite my prior disputes and the supporting documentation I have submitted, these items remain uncorrected, causing significant and ongoing harm to my creditworthiness, financial opportunities, and personal reputation. I am extremely frustrated by the repeated inaction and demand immediate and comprehensive correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXX XXXX XXXX Balance : {$590.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID, 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
Company : National Credit Adjusters , L.L.C. 
Accounts : {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX I am disputing XXXX accounts reported and collected by National Credit Adjusters. Both originate from payday loans that are likely illegal, unenforceable, or in violation of state lending laws. XXXX marked these accounts as verified without any human review or evaluation of documentation. 

Grounds for complaint : 1. Failure to provide meaningful verification I requested the original contracts, proof of lawful assignment, and itemized balances ; none have been provided. Automated XXXX verification does not satisfy FDCPA/FCRA requirements.

2. Illegal or unenforceable debt Balances likely include excessive interest, fees, or penalties beyond state law limits. Collection may be unlawful.

3. Inaccurate reporting Balances may be inflated or unverified. Continuing to report them as accurate violates my rights.

4. Harassment and unlawful collection risk Continued attempts to collect or report without verification may violate federal and state law.

Requested Resolution : Immediate investigation and human review of both accounts.

Removal or correction of accounts from all credit reporting agencies unless fully validated.

Written confirmation of all actions taken.

Assurance that no further collection or reporting occurs until resolution.

If these matters are not resolved promptly, I am prepared to escalate to state regulators, the attorney general, or private legal action. I expect a timely and compliant resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. These inaccuracies pertain specifically to accounts listed under DEPTED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are reported with late payments and balances that are either inaccurate, incomplete, or unverifiable. The continued reporting of these erroneous details misrepresents my true credit history, creates a misleading impression of my financial responsibility, and has the potential to negatively impact my creditworthiness, lending opportunities, and overall financial standing. I am therefore requesting a thorough and comprehensive reinvestigation of these accounts, including verification directly with the creditors involved, as well as the immediate correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
I am sending this complaint as a formal consumer dispute regarding information currently being reported on my credit file. I believe strongly in maintaining accurate credit records, as credit reporting plays a significant role in financial stability, lending decisions, and long-term economic opportunity. Because of this, I regularly review my credit reports to ensure that all information being furnished is complete, accurate, and reported in compliance with federal law. During my most recent review of my credit report, I observed that three separate accounts furnished by DEPTEDXXXX, all associated with the same account series ending in XXXX, are being reported as 90 days late. These accounts were opened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and currently reflect balances of {$3600.00}, {$3700.00}, and {$950.00}, respectively. All three accounts show a last active and reporting date of XX/XX/XXXX, indicating that they remain open, active, and ongoing obligations. 
While I acknowledge these accounts as mine, the manner in which they are currently being reported does not accurately reflect their true status or the way in which they have been handled. Reporting each of these accounts as severely delinquent creates a misleading impression of my payment history and overall financial responsibility. Given their active status and continued reporting, the information currently appearing on my file does not tell the full or accurate story of these obligations.

Company response to consumer: Closed with non-monetary relief