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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because my credit report contains numerous collection accounts, tradelines, and an excessive volume of auto-related and consumer finance inquiries associated with entities such as 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 and many dealership-related furnishers, which together appear inaccurate, inconsistent, duplicative, or reported without proper verification. The presence of multiple collection balances alongside repeated inquiry activity reported across overlapping dates has materially misrepresented my credit profile and raises serious concerns regarding compliance with the Fair Credit Reporting Act, including the requirements under 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 to ensure maximum possible accuracy and permissible purpose prior to reporting. The sheer volume and frequency of these inquiries, combined with unresolved collection reporting, has caused substantial confusion, unnecessary credit damage, and financial hardship, particularly where the information can not be reasonably verified or distinguished as accurate and authorized. As a consumer, I am entitled to a credit report that reflects only information that is complete, accurate, verifiable, and lawfully reported, yet these items continue to remain despite prior efforts to address inaccuracies. I am submitting this CFPB complaint to formally document these concerns and to ensure that my rights under federal law are acknowledged and enforced so the accuracy, fairness, and integrity of my credit file can be restored.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections 602, 609, and 611, as well as METRO 2 reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section 611. Additionally, Equifaxs 2017 data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within four ( 4 ) days. 

DPEDXXXX  Account Number : XXXX I was never late on payment on this account. Your bureau is the only one reporting this as late, which has unfairly lowered my credit score. 

DPEDXXXX Account Number : XXXX I was never late on payment on this account. This inaccurate late payment reporting has caused difficulty when applying for housing. 

DPEDXXXX Account Number : XXXX I was never late on payment on this account. This error has led to higher interest rates on credit offers. 

DPEDXXXX Account Number : XXXX I was never late on payment on this account. This false reporting has created unnecessary anxiety and undermined my trust in your bureaus reporting. 

DPEDXXXX  Account Number : XXXX I was never late on payment on this account. This error has made it harder for me to pursue personal financial goals. 

DPEDXXXX Account Number : XXXX I was never late on payment on this account. This inaccurate reporting has damaged my reputation as a responsible borrower. 

DPEDXXXX Account Number : XXXX I was never late on payment on this account. This error has caused unnecessary stress and financial setbacks. 

DPEDXXXX Account Number : XXXX I was never late on payment on this account. This false reporting has limited my access to fair credit opportunities.

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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had Capital One Visa debit card then they switched it to XXXX. This card is not accepted in a lot of places, unfortunately. Including where I am now traveling to XXXX. This is very frustrating and inconvenient for me as I did not ask for this conversion.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I asked Discover Bank in a secure message to check for a recent transaction that I made online that was supposed to be cancelled by the merchant. I asked why was it on hold all week and posted the day the merchant told me they supposedly cancelled. I said I wanted to know why before I end up filing a dispute. The agent filed the dispute regardless and never investigated anything nor provided anymore information. Other agents refused to help and kept copying and pasting a pre-typed message that I had to call a specific number to a certain department that handles this situation as they can not do anything else for me in secure messages. They put my debit card on a freeze and said I may have to apply for new one and can not unfreeze it until I get a letter in the mail for who knows how long that will be explaining instructions and whatnot. I vented my frustrations to them saying never has a bank ever filed a dispute without confirmation from me first and never have they automatically froze my debit card or account indefinitely. I emphasized my frustration with the phrases " you XXXX this up '' and " don't give me that XXXX '' and some other remarks but they weren't profane. But I believe they are now talking to me in a way like they have the right and I don't - that they can say or do whatever they want in this situation. They didn't even apologize. They sound like ignorant and arrogant robots without any empathy. Now, I fear that this new poor quality customer service that Discover shifted to may cause my account to close because of my frustrations using those remarks I made. Whatever I have other banks that I never had such rediculous frustrations with. Maybe it's about time someone steps up and tells everyone how unreliable Discover Bank is lately.

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 — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: OK

Complaint narrative:
I accidentally applied for a loan using MoneyLion 's Credit Builder Plus Membership on XX/XX/year>, I never intended to apply for the membership, it hasn't even charged my card yet for it, I thought I was originally looking into a way to check my credit. I pressed no more than 2 buttons while I was viewing the page, and it instantly accepted me for a " {$1000.00} Principal Amount '', that I'm told if I don't pay weekly, I will be reported to the credit bureau. I've contacted customer service multiple times through phone and through a chat with little to no luck, they've acknowledged me canceling but when i called them, they were " unsure of what to do. '' I don't know what to do. I was forced into an agreement to pay them {$1000.00}, {$20.00} a week, and every time I try to cancel, they seem avoidant. Which is completely taking advantage of my knowledge as a young adult. Please help me get out of this financial burden, I don't want my credit to get destroyed because I can't make the {$20.00} a week they're demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX my account was flagged by Chime for unusual activity I was told it was an automated system that handles things like that and there was nothing they could do to help me with my issue, I needed to wait the 48 hours and then everything would be fine. At XXXX on XX/XX/XXXX my account was back to normal status. At XXXX on XX/XX/XXXX my account was then restricted again for unusual activity called customer support again to try and figure out what was going on and why my account was unlocked and then locked again within 8 minutes and was told again theres nothing they can do and they can not provide me with any information as to why or how to resolve this issue so I can pay bills, eat, feed my animals etc. Also had a customer service representative hang up on me during our conversation because I asked for a supervisor or someone that could actually help me with my issue and was told there wasnt anyone available and to have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Thaxton Investment Corporation
State: IA

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX from unique auto in XXXX XXXX Illinois. Prior to purchase, the dealership represented in writing that the vehicle had no transmission issues. The retail installment contract was assigned to Heights Finance. 

Immediately after purchase, the vehicle exhibited serious transmission problems, including harsh shifting, slipping under acceleration, delayed engagement, and unsafe driving behavior. 

I obtained an independent transmission diagnostic from a licensed transmission repair shop in XXXX, Iowa, which confirmed significant transmission defects and indicated the transmission may require major repair or full rebuild. 

I notified the dealership and attempted to resolve the matter. The dealership failed to provide a resolution and stopped responding. 

On or about XX/XX/XXXX, and again in XX/XX/XXXXXXXX I notified Heights Finance in writing that I was asserting claims and defenses under the FTC Holder Rule ( 16 C.F.R. 433 ). I requested that the account be placed in dispute status, that payments be suspended during investigation, and that the lender work toward resolution of the defective vehicle issue. 

Heights Finance has not provided the requested information or confirmed dispute status. This complaint concerns the lenders handling of my dispute and obligations as assignee of the retail installment contract.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX, TX XXXX Last XXXX of XXXX : XXXX Company / Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Account : XXXX  XXXX XXXX  Balance {$550.00} Date of Original Dispute Letter : XX/XX/year> Complaint Summary I am disputing an alleged debt reported by XXXX XXXX XXXX for a XXXX account. I sent a certified dispute letter on XX/XX/year>, requesting full validation and proof of this debt, including the original contract, itemized ledger, and documentation showing their legal right to collect. 

The company never responded. 

I then submitted disputes to the credit reporting agencies ( TransUnion, XXXX, XXXX  ). The only response I received was verified, without any supporting documentation. This is insufficient and violates federal law.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding a recent escrow analysis that resulted in a significant increase to my monthly mortgage payment. According to Rocket Mortgage, my mortgage payment increased due to an escrow analysis that identified a tax-related shortage. When I contacted customer service on [ date of call ], I was informed that the increase was due to property taxes paid in XX/XX/year>. However, I believe there may be an error or miscalculation in this escrow analysis and have serious concerns regarding both its accuracy and timing. Specifically : Timing of the Increase The tax payment in question was made in XX/XX/year>, yet the resulting escrow shortage and payment increase were not applied until recently. I have not received a clear explanation as to why it took several months for this shortage to be identified and reflected in my monthly payment. This delay significantly contributed to the size of the increase and created an unexpected financial burden. Accuracy of the Escrow Analysis Based on my review of my escrow statements and tax records, the shortage amount appears excessive. I requested that Rocket Mortgage conduct a more detailed and accurate escrow recalculation to verify the shortage amount, but this request was declined without a thorough review. Repayment Period for Escrow Shortage I requested that the escrow shortage be spread over a longer period ( 36 months ) to reduce the impact on my monthly payment. I was informed by a customer service representative that Rocket Mortgage requires all escrow shortages to be repaid within 12 months and that no exception or escalation could be requested. I was not provided with any written policy or regulatory basis supporting this position. Given the above, I am formally requesting the following : A written, itemized escrow analysis showing all calculations used to determine the shortage A review and recalculation of the escrow account to confirm the accuracy of the shortage amount A reconsideration of the repayment period, including an explanation of whether Rocket Mortgage policy or federal regulations truly prohibit spreading the shortage over a longer period A written explanation addressing why the tax payment made in XX/XX/year> was not timely reflected in my escrow account. Please treat this letter as a formal complaint and provide a written response within the timeframe required under applicable servicing and consumer protection regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am filing a complaint regarding my XXXX XXXX XXXX  account involving unauthorized electronic withdrawals, misapplied payments, improper promotional financing, and an improper account modification after I disputed these issues. 

I financed a sofa under an 18-month no-interest promotional plan. Despite this, Synchrony charged deferred interest at approximately the 12-month mark. When I disputed this and offered documentation, I was told to mail proof instead of the issue being corrected. 

After disputing the promotional financing, Synchrony unilaterally placed my account into a payment assist or no-interest-until-paid-in-full plan. However, the payments I had been making for months prior were not properly applied or credited, and I was not provided with a clear accounting. Additionally, after raising this dispute, I lost access to my historical statements, preventing me from reviewing my account history. 

I authorized automatic payments of {$38.00} only. Synchrony withdrew multiple larger amounts from my checking account without authorization, including {$100.00}, {$110.00}, {$120.00}, {$130.00}, {$130.00}, {$170.00}, and {$270.00}. Despite these withdrawals, Synchrony only credited {$38.00} per month and did not credit the remaining funds.

I am requesting a full payment audit, refunds of all unauthorized withdrawals, proper application of all payments, removal of improper deferred interest and fees, restoration of statement access, correction of the balance, and closure of the account at a corrected balance.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
( NCA ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

You are hereby required to provide all of the following documentation within 3 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; 5. The original signed contract creating the obligation, with terms and conditions CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above within 3 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, language about anything other than what was requested or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e.

Furthermore, if you can not provide all of the requested documentation within 3 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 3 days when you receive this letter ) ( Anything sent after the 3 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because ( NATIONAL CREDIT ADJUSTERS ) is the one reporting the account to the credit reporting agencies and no one else.

You must either ( 1 ) provide all requested documents within 3 days or cease reporting and contact altogether. There is no third option.

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: Westlake Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Western Funding.

Western Funding is furnishing incorrect account balance information to all three major credit bureaus ( Experian, Equifax, and TransUnion ). The balance being reported on my credit reports does not match Western Fundings own account records.

As of today, Western Fundings account information shows : Amount financed : {$22000.00} Paid principal : {$5900.00} Todays payoff amount : {$16000.00} Interest rate : XXXX XXXX Monthly payment : {$560.00} Despite this, Western Funding is reporting a different and inaccurate balance to all three credit bureaus. This discrepancy is materially misleading and does not accurately reflect the true status of my account. 

I formally disputed this inaccurate balance with the credit bureaus on XX/XX/year>. The dispute did not result in a correction, and Western Funding continued to verify inaccurate information.

Furnishing an incorrect balance after receiving notice of a dispute violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to conduct a reasonable investigation and report accurate and complete information.

Company response to consumer: Closed with explanation