vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
Please consider this a formal request to dispute and delete an account that does not belong to me. Upon reviewing my credit file, I found an account I never opened, used, or authorized.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I contacted a lawyer XXXX XXXX who was a nj XXXX lawyer who stated she could help us lower student loan as she was a student loan advocate. She stated if my son filed a XXXX  XXXX the student loan would go from {$80000.00} to cut in half {$45000.00}. This past XXXX or XX/XX/year> she sold her practice to another lawyer before my son chapter was finished this XX/XX/year>. She now is a lawyer in Florida as I found her and spoke with her. As the XXXX  XXXX was completed in XXXX, we found out it didn't help the student loan at all. The balance is now {$100000.00} as the XXXX XXXX  that took over is XXXX  and for 5 yrs they weren't allow to contact me the co signer. So for 5 yrs interest piled up to {$20000.00} more.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: MD

Complaint narrative:
I applied in XXXX to the US Bank XXXX Credit Card, which advertised 4 % cashback if you hold {$100000.00} in deposits across US Bank accounts including the required Savings Account. I called in XXXX about setting up the card and interest rate and confirmed the 4 % applied across the accounts and then spent several hours to set up the checking and savings accounts. This bank has very manual processes requiring me to go back and forth with USPS mail to establish and title the accounts. 

On XX/XX/year>, I noticed I was only receiving 2 % cashback despite having {$100000.00} in deposits. Credit Card services said it was a banking issues and that I had the wrong accounts and should receive 4 %. When I was transferred to the bank, they were perplexed about me not receiving the 4 % and were able to find some very deceptive fineprint that shortly before my application the rules had changed and future applicants can no longer hold savings in an interest-bearing account such as the savings account but only the checking account with a .001 % interest rate as opposed to the 3.5 % interest rate on the savings. Obviously, it therefore no longer makes it worth it to have this credit card and not receive interest on the {$100000.00} deposit but those who applied before me can use the Savings account with the higher interest rate. I find this to be a deceptive and bad business practice. 

I called again on XXXX and was bounced around until I was finally escalated to a senior customer service supervisor named XXXX who confirmed that I should receive the 4 % and disagreed with the interpretation given by the past employee that the Savings account deposits no longer qualified and there had been a recent change. XXXX apologized for the lack of transparency and said that it would make no sense for the bank to require large deposits in accounts that bear no interest. This even more strongly demonstrates how deceptive and business practices change was as the senior employees working in customer service were unaware of it and believe I should be receiving 4 %.

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 2025-08-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

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 2025-08-01 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: Block, Inc.
State: NY

Complaint narrative:
My Cash App account was closed without explanation. I only used it for personal purposes, including sending and receiving money between close family and while traveling. I received a vague message stating my account violated their Terms of Service, but no specific reason or transaction was ever provided even after I contacted support by email and phone. They refused to provide any further details and denied any opportunity for appeal or review. I feel this is unfair, non-transparent, and has caused me financial stress. I am requesting a full explanation of why my account was closed and to be considered for reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was the victim of a scam while trying to sell a mattress on XXXX XXXX. A person claiming to be a buyer said they would send me money through XXXX. I was then contacted by someone claiming to be from XXXX customer support, who told me they needed to approve the transaction on my behalf so I could receive the payment. 

Following their instructions, I unknowingly authorized a {$70.00} transfer to XXXX XXXX XXXX XXXX XXXX on XX/XX/2025. I never received any money this was clearly a scam. I filed a dispute with TD Bank on XX/XX/2025, under Reference Number XXXX, and they denied my claim on the grounds that the transaction was authorized. 

While I technically authorized the transaction, it was under false pretenses and due to fraudulent guidance from someone impersonating a XXXX representative. This falls under Regulation E, which protects consumers who are tricked or manipulated into transferring funds through deception. 

TD Bank failed to uphold its responsibility to investigate the scam properly and is now reversing the provisional credit. I am requesting the CFPB to investigate this matter and ensure that TD Bank issues a full reimbursement of the {$70.00} and complies with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: AL

Complaint narrative:
I started the program in XXXX of XXXX - and agreed to pay {$370.00} semi-monthly. This was all well and good until XXXX when they settled an account in which XXXX as being sued for. They asked I increase my draft amounts temporarily until all of my other accounts were resolved. Once those accounts were all done being paid for, both fees and to creditors, I requested we return to the previous amount. JGW said this was fine and no issues with the current settlement. On or around XXXX of XXXX I had a visit fromt he Sheriff for a wage garnishment, after I had told JGW that the law firm representing the creditor reached out about payments in arrears. I was assured they would have their 3rd party legal firm get the settlement back on track, as I had paid every single draft. JGW then tried to claim I skipped or cancelled payments, however they use Salesforce, and in the platform leap years are not accurately accounted for. Therefore each XXXX I have a cancelled and skipped payment, follow by a processed for XX/XX/XXXX. IF i look at XX/XX/XXXX for the rest of my program time, up until XXXX these skipper or cancelled payments show there as well. This leads me to believe the technology isn't working as intended. I called this morning to cancel my contract with them, meanwhile they took every single dollar i had in my dedicated savings account ( {$1200.00} ) for the settlement which they broke, and I am now being garnished for... 
I would like the CFPB to reach out to me, as I have legal grounds here and would like a resolution ASAP. They literally claimed I broke settlement, and then took the 25 % fee for the settlement they stopped paying.. I also would like to complain about the shady practice of promising to settle accounts for 50 % 99 % of the time, In my case my original balance was {$19000.00}, they settled the account for {$19000.00} so literally lost money and they took 25 % from me for this failed settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had a call with Navy Federal on XX/XX/year>, where a representative acknowledged a payment arrangement for my auto loan and agreed to waive late fees and protect my credit if {$1400.00} was paid by XX/XX/XXXX or XXXX ( they cited both dates ). I requested written confirmation and a transcript of that call. Instead, Navy Federal sent a vague message that only restated the amount and due date but omitted any reference to the protections promised on the call. I followed up and reiterated my request, citing CFPB standards and legal recordkeeping, but they have ignored it. This leaves me vulnerable to late fees, credit damage, or repossession, with no way to confirm or defend the terms. 

I have been requesting the transcript or internal notes from a XX/XX/year> call where a Navy Federal representative told me I could apply for a loan deferral in XXXX due to hardship. When I followed through in XXXX, I was denied specifically because of the hardship I disclosedwhich was the exact reason I was told I would qualify. Ive asked multiple times for a copy of this call record or internal documentation. Navy Federal has ignored or avoided every single request. This caused significant financial harm, misled me as a borrower, and suggests unfair or deceptive servicing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX DOB XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$6100.00} To Whom It May Concern, This is a formal dispute and demand for full legal validation of the above-referenced alleged debt. I, XXXX XXXX, do not acknowledge nor accept any liability for this account. Until proper validation is provided, you are instructed to cease all collection efforts and credit reporting activity. 

Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code ( UCC ) 1308 and 3501, I am demanding the following documentation : A copy of the original signed contract bearing my wet-ink signature A binding agreement showing legal responsibility for the debt A flow sheet or full ledger outlining all charges, payments, interest, and fees A chain of assignment proving lawful transfer of this debt to your company Confirmation that this debt is not past the statute of limitations under Illinois law Proof of your companys license to collect in Illinois, including license number and regulator The name, department, and method used by the individual who verified this debt with the credit bureaus A notarized affidavit confirming a manual investigation was performed per FCRA 611 and not through e-OSCAR To be clear : A bill, statement, or invoice is not sufficient validation. If you do not provide full documentation within 15 calendar days, I demand that you : Immediately delete this account from XXXX XXXX XXXX XXXX Permanently cease collection activity and communication Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney General, followed by possible civil legal action for violations of the FDCPA, FCRA, and UCC.

All rights reserved under UCC 1308, without prejudice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX. regarding false and inaccurate information they have reported to the credit bureaus in connection with my mortgage account, and their failure to correct this misinformation after being notified. 

Background : On XX/XX/XXXX, the property secured by my mortgage loan suffered a fire loss. 

On XX/XX/XXXX, the mortgage loan was fully paid off. I received a written acknowledgment from XXXX XXXX, dated XX/XX/XXXX, confirming receipt of the full payoff amount. 

Despite this, XXXX XXXX has reported late payments for XX/XX/XXXX and XX/XX/XXXX to the credit reporting agencies. These reports are not only inaccurate but also impossible, especially in light of the fact that the loan was paid in full in XX/XX/XXXX. 

Furthermore, my credit report currently shows the loan term as 1188 months ( 99 years ) an obvious and absurd error that only adds to the severity of this situation. 

Actions Taken : On [ insert date ], I formally wrote to XXXX XXXX requesting that they correct this inaccurate reporting. Despite providing proof of the payoff and the discrepancies, they have refused to amend or remove the false information from my credit reports. 

Harm Caused : Due to this erroneous reporting : My credit score has been negatively impacted. 

I am experiencing undue stress and potential delays in future credit decisions or financial opportunities. 

The inaccurate reporting does not reflect the actual status or history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They contacted my brother XXXX XXXX and other family and friends of mine about my debt.

Company response to consumer: Closed with non-monetary relief