vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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:
Today, I discovered that XXXX XXXX XXXXXXXX opened or reported an account using my name and personal information without my authorization. The account was reported on XX/XX/year>. 

XXXX XXXX XXXX listed information is XXXX XXXX XXXX, XXXX, SD XXXX, phone number XXXX. An additional address associated with this account is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. This is not my address, and I have never lived at this location. 

I did not apply for a loan, did not contact this company, and did not receive any funds, documents, or communications from XXXX XXXX XXXX. I have no business relationship with this company. 

I believe this account is the result of identity theft or fraud. The use of my name and information was unauthorized. 

This account has appeared on my consumer report and has also been reported to XXXX, which is causing harm to my credit profile. 

I am requesting that XXXX XXXX XXXX immediately remove this fraudulent account from all credit reporting agencies and from XXXX, cease any collection or reporting activity, and provide written confirmation that the account has been closed and deleted as fraudulent.

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 2025-12-22 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: Block, Inc.
State: NV

Complaint narrative:
b'Im trying to veryify my Id i tried everything everytime i do it it always says couldnt verify and i cant use cash app is there anything else i could do to verify my account'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Creditor : XXXX XXXX XXXX Account : XXXX I am filing this complaint because Experian is continuing to publish and verify credit information that is patently inaccurate, internally contradictory, and legally unverifiable. This is not a matter of disagreement it is a failure of Experians statutory duty to ensure accuracy under the Fair Credit Reporting Act. 
The auto loan tradeline at issue reflects a charge-off that allegedly occurred in 2022. Despite this, Experian continues to report additional charge-off events and ongoing late payments in subsequent years. A charge-off is a one-time accounting event. Reporting multiple charge-offs on the same account is factually impossible and constitutes illegal re-aging. 
Once an account is charged off, there is no continuing monthly payment obligation. Reporting 30-, 60-, and 90-day late payments after the charge-off date is false. Experians continued publication of postcharge-off delinquency unlawfully extends the negative life of the account and materially misrepresents the accounts status. 
Further, Experian is reporting the account as written off while simultaneously showing a past-due balance. These two statuses can not coexist. This contradiction alone renders the tradeline inaccurate on its face and incapable of reasonable verification.

Experian claims to verify this tradeline, yet verification of information that is internally inconsistent, legally impermissible, and logically impossible does not satisfy the FCRAs requirement of a reasonable reinvestigation. Verification requires competent evidence. It does not permit Experian to blindly rely on furnisher data that violates reporting standards.

Under 15 U.S.C. 1681e ( b ) and 1681i, Experian is prohibited from continuing to report information that it can not independently verify as accurate and complete. Given the presence of multiple charge-offs, postcharge-off delinquency, contradictory balance reporting, and clear evidence of re-aging, this tradeline can not meet that standard.

Because Experian can not lawfully verify this account as reported, deletion is the only compliant outcome. I am not requesting a correction, update, or reclassification. I am demanding full deletion of this tradeline from my Experian credit report.

Any response that merely states the information was verified as accurate without addressing the specific re-aging violations, postcharge-off reporting, and contradictory status will be treated as a failure to conduct a reasonable reinvestigation and escalated accordingly. 
Sincerely, 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 2025-12-22 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXX XXXXXXXX

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: DC

Complaint narrative:
Mohela keeps falsely reporting a student loan I never took out with them. Ive never had a federal student loan only private

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
Spring Oaks Capital Credit Dispute & CFPB Complaint Package Section 1 : Credit Bureau Dispute Letter To Whom It XXXX Concern : I am formally disputing the Spring Oaks Capital collection account that was reported on XX/XX/year>. This account is the result of identity theft. A fraud affidavit and FTC Identity Theft Report have already been filed and provided.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), information resulting from identity theft must be blocked from my credit file. Additionally, the statute of limitations for collection in the Commonwealth of Kentucky has expired, and this debt is legally unenforceable.

Spring Oaks Capital has no permissible purpose to report this account. Reporting this information after receipt of a fraud affidavit constitutes a violation of 15 U.S.C. 1681c-2 and 623. I am requesting immediate blocking and permanent deletion of this account from my credit report. 
Please complete your investigation and confirm deletion in writing. 
Sincerely, XXXX XXXX Section 2 : Direct 623 Dispute to Spring Oaks Capital To Spring Oaks Capital : This letter serves as a direct dispute under FCRA 623. You reported a collection account on XX/XX/year>, despite a previously filed identity theft affidavit and after the Kentucky statute of limitations expired. 
You are hereby required to provide competent evidence that I am legally obligated for this account, including : A copy of the original signed contract Proof of identity verification Complete account history Proof of legal assignment Proof the debt is legally enforceable Until such proof is provided, you must immediately cease reporting this account. Failure to comply constitutes violations of the FCRA and FDCPA. 
Sincerely, XXXX XXXX Section 3 : CFPB Complaint Draft Company : Spring Oaks Capital Spring Oaks Capital reported a collection account on XX/XX/year>, on all three of my credit reports. This reporting occurred after an identity theft fraud affidavit and FTC I

dentity Theft Report were filed and provided. Additionally, the statute of limitations for collection in Kentucky has expired, rendering the debt legally unenforceable. Despite this, Spring Oaks Capital continued reporting the account w
ithout proper verification.

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 623 ), the Fair Debt Collection Practices Act, and constitutes unfair and deceptive practices.

I am requesting that the CFPB require Spring Oaks Capital to immediately delete this account and cease all reporting activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
QWR and DVR to disclose why PennyMac criminally force me to generate profits from escrow surplus and on whose account receivable this escrow surplus is deposited. 

I received an Escrow Review from from Master Servicer XXXX XXXX XXXX XXXX XXXX where my payments went up due to escrow increase I already paid all escrow twice this year and my account is not delinquent In XX/XX/XXXX lawyer who filed false claim in my bankruptcy case demanded and obtained from me {$190.00} per month for current escrow- which I currently pay. 

Between XX/XX/XXXX to present time, I pay {$190.00} for current escrow which is during these 37 months {$7300.00} XXXX paid for current escrow and these money disappeared On XXXX XXXX I paid {$1300.00} for escrow to cover the entire XXXX. My total payment for current escrow is {$8700.00}. My actual current escrow during this time is much less. Plus I pay each month for some past dues {$150.00} per month Now Servicer XXXX who impersonates as PennyMac criminally demands from me more profits from escrow surplus I demand to disclose that happened to my {$190.00} monthly payments for current escrow ; provide me proof of {$1100.00} payments for my XX/XX/XXXX escrow as appears on XXXX  annual escrow review and explain why XXXX XXXX PennyMac demands from me profits from escrow surplus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this correspondence as a formal executive-level complaint and notice regarding a persistent and unresolved issue with my Home Depot store credit card. 

The account has a {$1000.00} credit limit, with approximately {$800.00} in available credit. Despite this, every attempted purchase is declined. Each attempt results in a {$1.00} temporary authorization, followed by a decline of the actual transaction. This behavior has been consistent and ongoing. 

I have contacted customer support more than twenty times via telephone and secure messaging. In each instance, I have received the same scripted response stating that the transaction appears to have gone through and advising me to wait 23 business days. Waiting has not resolved the issue, and the card remains unusable.

At this stage, the failure to meaningfully investigate or correct this issue raises concerns regarding compliance with applicable consumer-protection and billing practices requirements, including but not limited to obligations under the Truth in Lending Act ( TILA ), Regulation Z, and general standards for accurate account servicing and access to credit. 

A credit account that reflects available credit but systematically declines valid transactions without explanation may constitute improper account servicing and a failure to provide accurate or functional access to credit as represented. Repeated reliance on generic responses, without escalation or technical review, further compounds the issue.

I am requesting immediate executive review and escalation to the appropriate technical or account-level team to identify and resolve the cause of these declines. If the account is restricted, blocked, or otherwise limited, I expect a clear and accurate written explanation of the reason for such limitation. 

Absent timely resolution or a substantive response, I am prepared to pursue further remedies, including submitting formal complaints to the Consumer Financial Protection Bureau and other appropriate regulatory or oversight agencies. 

Please consider this letter a good-faith opportunity to resolve the matter promptly and professionally. I look forward to a detailed response and a functional resolution.

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 2025-12-22 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: NJ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-22 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: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CFAM Financial Services, LLC
State: CA

Complaint narrative:
I am filing a complaint against CFAM Financial for a wrongful repossession of my leased vehicle.

I made my required monthly lease payment via ACH on the XXXX, and the payment cleared my bank account prior to the repossession on the XXXX of XXXX, XXXX. 

Despite timely payment, CFAM Financial repossessed the vehicle due to an internal payment posting or servicing error. ACH processing delays do not constitute default when payment has cleared. 

This action constitutes wrongful repossession, breach of contract, and unfair servicing practices under California consumer protection standards. CFAM Financial has failed to immediately correct the error or release the vehicle without imposing improper fees.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates , LLC is maintaining and reporting inaccurate and misleading payment information regarding an alleged XXXX XXXX XXXX account. 
According to Portfolio Recovery Associates own consumer website, the account was acquired on XX/XX/year>. However, the same website lists a Last Payment of {$40.00} on XX/XX/year>. 
I did not make a {$40.00} payment on XX/XX/year>. Portfolio Recovery Associates did not own or service the account at that time and therefore could not have received, verified, or accurately reported a payment on that date. 
Reporting a last payment date that predates the collectors ownership of the account is factually inaccurate and materially misleading, particularly because payment dates affect the accounts age, legal status, and credit reporting timelines.

I am disputing this information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and requesting that Portfolio Recovery Associates be required to conduct a reasonable investigation, provide competent documentation of the alleged payment, and correct or delete the inaccurate information.

I have documentation showing the acquisition date listed by Portfolio Recovery Associates, which directly conflicts with the alleged payment date. I only have had one bank account and I can provide my bank account statement showing no payment made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am submitting this complaint to report an Identity Theft/ Fraud dispute involving unlawful reinsertion of a previously deleted tradeline on my TransUnion credit report. 

The tradeline is reported as XXXX XXXX XXXX, XXXX associated with account number XXXX, now appearing with a masked/non-identifying account number ( XXXX ). This account was previously disputed, investigated, and deleted from my TransUnion credit file as identity theft. 

I am a victim of identity theft and did not authorize, open, or use this account. I do not recognize the account and do not accept responsibility for it. An FTC Identity Theft Report is on file ( # XXXX ) and accompanies this complaint along with proof of identity. 

Despite prior deletion, TransUnion has reinserted this tradeline, now reporting it as charged off ( CO ) with a past due balance of {$22000.00} and negative payment history. This reinsertion is being reported without a full account number and without any notice to me explaining the basis for reinsertion. 

Because this account was previously deleted as identity theft, I dispute the accuracy, ownership, authorization, and legal reportability of this tradeline. This submission is intended to be processed as an Identity Theft/ XXXX XXXX request, not as a routine payment or billing dispute. 

The reporting of this account with only a masked account number ( XXXX ) further prevents verification of ownership, continuity, or lawful reinsertion and requires manual reinvestigation rather than automated verification. 

I am not attempting to bypass any process. I am submitting this complaint to ensure TransUnion correctly codes this dispute as Identity Theft/ Fraud, honors the prior deletion/block, and does not overlook this reinsertion. I am also a prior victim affected by a TransUnion data breach and am requesting appropriate care in handling this matter.

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