vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am disputing a medical debt that was improperly sent to collections. 

The medical procedure was performed with active employer-provided health insurance. The provider was in-network, and I paid my deductible in full at the time of service based on the providers confirmation that all remaining charges would be covered by insurance. 

After insurance paid approximately {$38000.00} for the procedure, the provider attempted to bill me separately for additional charges, including XXXX. I did not agree to any separate or additional charges. This is a balance billing issue. 

Despite disputing this directly with the provider and informing them that insurance was active and the deductible was paid, the account was sent to collections. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the No Surprises Act, I am not responsible for balance billing for in-network services, including anesthesia related to the procedure. 

I am requesting : Immediate cessation of collection activity Verification of the debt Confirmation that this account will not be reported to credit bureaus Resolution with the provider and my insurance company This debt is not valid and is formally disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
My VA mortgage loan was placed into default due to a documented clerical error made by CrossCountry Mortgage. I acted in good faith at all times and attempted to make payments ; however, I was prevented from doing so because CrossCountrys servicing system blocked my ability to submit payments. 

Despite acknowledging that the default resulted from their own clerical error, CrossCountry continues to treat the loan as delinquent and is demanding repayment of approximately {$21000.00}. At the same time, their online payment platform explicitly states that payments can not be made until 10 days prior to the next due date of XX/XX/year>, effectively preventing me from curing the alleged default. 

This has placed me in an impossible position where I am willing and able to pay, yet CrossCountrys systems and servicing practices make payment inaccessible. As a result, my loan remains incorrectly delinquent through no fault of my own. 

This situation has caused unnecessary financial distress and exposes me to potential credit harm and further adverse action for an error not caused by borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 had a contract attached from XXXX XXXX to delete XXXX account for paying debt settlement. Experian is not honoring contract so before suing i plan on settling this on consumer finance. They did not honor contract which states they will delete account as stated off my credit report. Experian is illegally falsifying information neglecting there duty to report truthfully and honor a contract.

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 2025-12-24 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: NY

Complaint narrative:
I've been asking them for one year to send me a card let me give me the runaround saying I have open account which is not true and I mean getting different answers from different Representatives and nobody can tell me nothing you got to cancel and I do not. My cash app email is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on my federal student loans serviced by Aidvantage. 

According to my official XXXX XXXX XXXX XXXX XXXX ( XXXX ) record, my federal student loans entered approved forbearance effective XX/XX/XXXX, and remained in forbearance through and beyond XXXX XXXX. During this period, I did not have a payment due and was not required to make payments. 

Despite this approved forbearance status, Aidvantage reported multiple student loan tradelines to the credit bureaus as 90+ days delinquent beginning in XX/XX/XXXX, with delinquency aging month-over-month ( 90/120/150/180 days late ). This reporting is factually inaccurate, as an account in forbearance can not legally accrue delinquency when no payment is due. 

This inaccurate reporting caused a significant and unjustified drop in my XXXX XXXX and resulted in multiple negative tradelines being reported simultaneously for the same servicing error. 

I did not receive any notice that my loans were being treated as delinquent during forbearance, and I have attempted to resolve this matter directly through disputes ; however, the inaccurate reporting has not been corrected. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure that information reported to consumer reporting agencies is accurate and to correct information that is incomplete or inaccurate. Reporting a loan as delinquent during an approved forbearance violates this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regional Acceptance is inaccurately reporting my auto loan on my credit report. 

This account is being reported as Collection / Charge-Off. Regional Acceptance is the original creditor and can not report a collection status on its own tradeline after charge-off. This is improper status stacking and is materially misleading.

Additionally, the account is reported as charged off as bad debt / profit and loss write-off while still showing a balance owed. These reporting fields contradict each other and misrepresent the true status of the account.

I have disputed this account with the credit reporting agency, yet Regional Acceptance continues to report the same inaccurate information without correction.

I am requesting that Regional Acceptance either delete this tradeline or correct it to accurately reflect charge-off only, without any collection designation, and ensure all reported information is complete and accurate in compliance with 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 2025-12-24 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: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX BANK ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX BANK ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} XXXX CARD XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: ME

Complaint narrative:
I have request information on this debt multiple times however the company have failed to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

My credit file currently lists multiple tradelines related to what appears to be the same auto loan, reported under different creditor names, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines reflect identical balances and origination dates, yet they contain conflicting and inaccurate information, including discrepancies in account status, monthly payment amounts, and reporting activity. Specifically : The same auto loan appears to be reported multiple times, which constitutes duplicate reporting Account statuses are inconsistent ( e.g., Unknown versus Closed ) Monthly payment amounts are inaccurate or missing The balance is being reported despite the account being marked as closed Reporting dates differ without justification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
b'I am submitting this as my XXXX  formal dispute regarding inaccurate information currently\nappearing on my Experian and Equifax credit report. Despite my previous dispute submission and supporting\ndocumentation, the errors outlined below remain uncorrected, misrepresenting my credit history and\ncausing tangible harm to my financial reputation and creditworthiness. I am requesting a full\nreinvestigation and verification of each item in strict compliance with the Fair Credit Reporting Act\n(FCRA) 607(b), 609(a), 611(a), 623(a)(2), and 605(a) to ensure my credit file reflects only\naccurate, complete, and verifiable information.\n\nXXXX XXXX XXXXBalance Owed:XXXX\XXXXXXXX XXXX\XXXX  XXXX\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 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 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged debt you claim I owe in the amount of {$18000.00}. I formally dispute this account, as it does not belong to me and you have identified the wrong individual. 
I previously contacted that company and requested proper verification of this debt, including but not limited to a signed lease agreement, government-issued identification, and documentation showing my Social Security number connected to this account. To date, I have not received sufficient proof establishing that I am responsible for this debt. 
Additionally, I have filed formal disputes with XXXX, XXXX, and XXXX, clearly stating that this debt is not mine. The information associated with this account is inaccurate. The address linked to this alleged debt was never listed on my credit report prior to my disputes. Notably, this address appeared on my credit file only after the dispute investigation was completed, further confirming the inaccuracies of your records. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to provide proper validation of the debt or cease collection efforts and reporting. Until valid documentation is provided proving my responsibility for this account, I request that you immediately stop all collection activity and remove this account from all credit reporting agencies.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In attempting to transfer a large sum from on checking account to another, both accounts at Wells Fargo, I inadvertently transferred from one checking account to a Wells Fargo credit card. This card is associated with the checking account from where the funds were transferred from.. Within an hour of making the transfer I contacted the bank, and was told it would be corrected. Two hours later, noticing it had not been done, I called again. 
This time I was told an investigation was needed and it would take 5 business days. It was also suggested by the representative that I could make the correction myself, which is not accurate. Two days later I called again. This time I was told 10 business days. I called back and requested the case be escalated to the office of the XXXX. I just received, by secure mail, a message from Wells Fargo saying 10 business days AND, if they need more time they will notify me. 
The credit card account where the funds were credited has a XXXX balance and is rarely used. The average monthly bill, when used, is less than 1 % on the funds transferred. This is an internal transfer from two accounts at the same bank, and the mistake was brought to the attention of Wells Fargo within an hour of when it occurred. This is not lost money or a refund from a credit card. There is no 3rd party involved. I informed Wells Fargo that I need the money to handle financial obligations but to date, they have not returned my funds to the proper account and have given me multiple answers as to when it will be 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 monetary relief
Consumer complaint received 2025-12-24 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: MS

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I paid over {$6500.00} using my XXXX XXXX store credit card ( issued by Citibank ) for a custom cabinet order placed on XX/XX/year>. At the time of purchase, XXXX XXXX represented in writing on my receipt and verbally confirmed that the cabinets would be delivered within 1014 days. This delivery timeline was a material factor in my decision to proceed with the purchase and charge it to my credit account. 
The cabinets were not delivered as represented, and XXXX XXXX failed to perform according to the documented delivery terms. Despite this nonperformance, the full charge remained on my XXXX XXXX credit card account. I contacted XXXX XXXX multiple times to request an explanation for the charge, correction of the billing error, and issuance of a refund or credit due to nondelivery and misrepresentation. 
During this dispute process, XXXX XXXX formally offered a documented compensation/credit of {$2000.00}, acknowledging the failure to deliver as promised. I relied on this offer as part of the dispute resolution. That offer was later unilaterally reversed and withdrawn without justification, and no credit or refund was issued. The original charge continued to remain on my credit card statement. 
Despite my good-faith efforts to resolve this matter, the billing dispute was not properly resolved, and I received conflicting and inaccurate explanations regarding the status of the charge and the withdrawn credit. I was left responsible for charges related to goods that were not delivered as agreed, with no meaningful resolution through the dispute process. 
This conduct constitutes improper billing, failure to issue a promised credit, and mishandling of a billing dispute under the Fair Credit Billing Act and Regulation Z, as well as unfair or deceptive practices related to a store-branded credit card account. As the issuer of the XXXX XXXX credit card, Citibank is responsible for ensuring that billing disputes related to nondelivery and misrepresentation are handled in compliance with federal consumer financial protection laws.

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