vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian is reporting completely incorrect information on my credit report, while TransUnion and Equifax are both accurate and updated. My Experian credit score has dropped drastically due to these errors, and its now hurting my ability to apply for housing and improve my credit. 
XXXX. XXXX XXXX XXXX Issue : I paid my XXXX XXXX card down to {$55.00} on the XXXX of the month, and the account normally reports to the credit bureaus on the XXXX. Despite this, Experian is reporting a balance of {$450.00}, which is not only incorrect but appears to have been pulled from a random date instead of the actual reporting cycle. 
I never missed a payment, and this misreporting is making it look like Im not paying my card, which is false and damaging. 
2. XXXX XXXX XXXX : I was previously an authorized user on a XXXX card that I have since been removed from. TransUnion and Equifax have already removed the XXXX card from my report, but Experian still has it listed, which is incorrect and outdated. I called Experian to request its removal, and they confirmed a dispute was started but nothing has been corrected. 
3. Dispute Mishandling : When I called to fix the XXXX XXXX error, I never asked for the account to be deleted only for the balance to be updated to reflect the accurate {$55.00} payment. Instead, the dispute says I requested XXXX XXXX to be removed, which I did not. This is not only a mishandling of my dispute, its completely misrepresenting what I asked for. Experian and now Equifax are reporting inaccurate and damaging information on my credit reports while XXXX is the only bureau currently reporting correctly. 

XXXX XXXX Issue ( Affects Experian and Equifax ) : I always pay my XXXX XXXX card on time. My due date is the XXXX of each month, and the reporting date is the XXXX. 
I paid my XXXX XXXX balance down to {$55.00} on XX/XX/XXXX. 
However, Experian reported it as {$450.00}, which is false. 
Equifax has now done the same thing, reporting my current balance even though the due date hasnt even passed ( today is XX/XX/XXXX ). 
Theyre both reporting whatever the balance is right now, instead of waiting for the actual reporting date, and its making it look like I dont pay my card which is untrue and unfair. 

This is seriously damaging my credit scores. Experian dropped my score to XXXX, and now Equifax is dropping mine too, even though Ive paid responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
There are XXXX derogatory marks on my equifax account, they are both anonymous and have little to no information. These marks are hurting my credit to move forward with new accounts I want to open. I want them removed. XXXX already in a financial crisis and I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have bankruptcy showing on my credit report and it hasn't been verified.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and request validation of a debt in the amount of {$1500.00} that your agency claims I owe. I have no knowledge of this debt, and I am requesting a complete validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

Please provide the following documentation : XXXX. The name of the original creditor and the original account number. 


XXXX. A copy of the original signed contract or agreement bearing my signature. 


XXXX. The date this alleged debt was incurred and the date of the last payment ( if any ). 


XXXX. A complete itemized statement showing how the amount of {$1500.00} was calculated. 


XXXX. XXXX that you are authorized to collect on this debt. 


XXXX. A copy of any judgment, if applicable. 



Until this information is provided, I am requesting that you cease all collection activities and remove this account from my credit reports with XXXX XXXX and XXXX, as it is unverified and inaccurate. 

This is not a refusal to pay but a notice that your claim is disputed. If you do not provide proper validation, you must stop all collection efforts and remove any negative reporting from my credit files. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
To : Smith Debnam Narron Drake Saintsing and Myers LLP XXXX XXXX XXXX XXXX, NC XXXX Formal Request for Full Debt Validation & Cease and Desist Communication Account Number : [ File number : XXXX ] To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Under my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ), I formally request that you provide complete validation of this debt and cease all further communication with me except to comply with this request. 
I dispute this debt and am exercising my right to request full validation. Specifically, I am requesting the following documentation : The original signed contract or agreement that created the debt. 


Full account history, including itemized statements of charges, payments, interest, fees, and penalties. 


A copy of the flow agreement or forward flow agreement between the original creditor and your agency, showing the nature of the debt transfer. 


A copy of the bill of sale or transfer/assignment agreement proving legal ownership of the debt and your authority to collect on it. 


A chain of title, including documentation that shows the full transfer history from the original creditor through any subsequent parties. 


Proof that your office is licensed to collect debts in my state ( if applicable ). 


The method and basis you used to verify the accuracy and validity of this debt. 


Until you provide this documentation, you are required to cease all collection efforts, including phone calls, letters, emails, reporting to credit bureaus, or legal threats. 
Be advised that if you continue any collection activity without providing the requested information, you will violate federal law. I will document all such violations and report them to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Furthermore, if you are unable to provide all of the requested documentation including but not limited to the original signed contract, flow agreement, bill of sale, and complete chain of title I request that you immediately delete this account from all consumer credit reporting agencies to which you have reported it. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in further legal action.

I further request that you cease all communication with me, in any form, except to provide the documents specifically requested above. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP
State: NC

Complaint narrative:
XXXX, XXXX XXXX was primarily user on credit card and I was secondary. XXXX died on XXXX. There is a {$2500.00} credit on this card that I have been trying to have returned. The probate department at XXXX confirmed on XXXX that they were able to process cancellation of the card. I sent them the XXXX XXXX  and XXXX XXXX XXXX. Now customer service tells me they have to return the money via a check in XXXX 's name which I should file with the estate to obtain the funds. So not only have they been making interest money by holding my funds, it will now cost me legal fees to cash this check. As of XXXX I have no check. 
This whole situation is unacceptable, especially since XXXX was with Key Bank for over XXXX  years. Please advise. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
This company did not remove the negative information from my XXXX  or XXXX  XXXX XXXX. I have sent in numerous paid off notifications as well as certified mail to XXXX and XXXX  and it still today remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
I received notifications that my card was being used in a store called XXXX also known as XXXX XXXX. Immediately, I report my card lost/stolen because I did not authorize the transaction. The store manager would not allow me to see the footage of who actually used my card. Cash app then denies my claim and states I authorized the transaction when I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information currently being reported on my credit file, specifically in relation to alleged late payments. 

Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Code XXXX, section ( XXXX ) explicitly states the importance of privacy in consumer reporting. It reads in part : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
It is my position that late payments are private and should not be publicly reported or used in a manner that negatively affects my creditworthiness, particularly when they are disputed and not verified accurately. Reporting such information without proper validation or consent is not in alignment with the privacy standards and fair treatment mandated by the FCRA. 

I respectfully request that the listed late payments be updated to reflect " Paid as Agreed Never XXXX '' on my credit profile, as they do not accurately reflect my payment history. This dispute is being submitted under my right to challenge inaccurate, misleading, or unverifiable information. 

Additionally, I request that a free updated copy of my credit report be mailed to me upon completion of your reinvestigation, as required by the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX XXXX * * * * * * * * * * Personal Information : Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX CT XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX CT XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) regarding their unreasonable and discriminatory account verification process. My account was flagged for address verification, and I promptly submitted a bank statement from my linked bank account showing the same address already associated with my verified ID. 

Despite this, Cash App rejected the documents, claiming they require a lease signed by my landlord. I informed them that I live in a mobile home park, where leases are handled by a management company and utility bills are used as proof of residence. I also have utility services registered at the same address. 

The address on my government-issued ID, my bank documents, and my utility records are all consistent, yet their support team refuses to accept these forms of verification. Instead, they dismissed my address as " not a real address '' simply because it's located in a mobile park which I believe is discriminatory and unacceptable. 

Furthermore, Cash App refuses to provide any alternative options for verification or a clear explanation about why I can not maintain multiple verified accounts, even though both have my verified ID on file. 

I feel I have provided sufficient, valid proof of address and identification, and their continued refusal to acknowledge this is a violation of fair consumer treatment. I am requesting that the CFPB investigate Cash Apps practices around account suspensions and address verification, particularly how they handle cases involving nontraditional housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Once again this company LoanDepot has taken our monthly mortgage payment for XXXX and applied it elsewhere without our permission m. This has made us XXXX days late when we were not XXXX days late or late at all. This has effected us to qualify for a refinance because we were falsely turned over to the credit bureau for a XXXX day late when we made our heloc mortgage payment on time. They have done this just a few months prior to this and we filed a complaint but no one helped us so we then also had to go through your service to help resolve this and take our XXXX off, which they did but now they have done it again. We made our regular mortgage payment only and did not give them permission to use it for any other payment, but all on their own they have taken our XX/XX/year> payment and used it else where. 
They also added XXXX dollar to our mortgage which we do not know what that is for and is illegal to do so. We have paid off a mortgage insurance that loanDepot unfairly over charged us due to our mortgage insurance carrier not renewing due to leaving California, but this does not give LoanDepot the right to take our mortgage payment we made on time for our heloc mortgage and apply it anyway but to our loan payment, again they did this on their own without our permission. 
Again they need to take off our XXXX day late status from the credit bureaus asap, as this is fraud that they have reported and false reporting, but worse stolen money from us that has caused us to not qualify for a loan. 
Please help us as they do not call us back and no one we talk to ever seems to be able to fix this ( once again ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I CHECKED MY CREDIT REPORT AND NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF XXXX XXXX XXXX XXXX ( B ). THEY ALSO VIOLATED XXXX XXXX XXXX XXXX ( A ) & ( B ) XXXX XXXX XXXX ( I ) ( XXXX ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO XXXX XXXX XXXX ( XXXX ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am submitting this formal complaint regarding the mishandling of my Income-Driven Repayment ( IDR ) plan by my federal student loan servicer, Nelnet.

Despite being enrolled in a PAYE plan and receiving official documentation from Nelnet dated XXXX XXXX XXXX, confirming the extension of my IDR recertification deadline, I have experienced significant issues that I believe constitute servicer error : 1. Improper Interest Accrual o Several of my loans accrued significant unpaid interest, despite ongoing enrollment in IDR. 
o A disproportionate share of my monthly payments were applied to interest only, with XXXX or minimal amounts going to principal. 
2. Failure to Appropriately Process Prior Income Submissions o Nelnet stated that my payment amounts were based on previously submitted income and family size.

o However, I saw no meaningful recalculation or forgiveness progress, and there is no record in my portal confirming a completed recertification process despite their letter.

3. Inadequate Transparency and Tracking o I have no access to detailed confirmation of how or when my IDR documents were processed, and whether Nelnet correctly applied my data to recertify. 
o I am concerned that my payment history may not reflect accurate PSLF-qualifying payment counts or may have reset due to internal mismanagement.

4. Potential Damages o Due to these discrepancies, I may have paid thousands more in interest than necessary and lost time toward forgiveness programs ( e.g., PSLF or IDR forgiveness ). 

I am requesting that : My entire account be audited for administrative error under federal guidelines. 
Any interest that accrued due to servicer error or failure to apply recertification be reversed. 
My PSLF/IDR forgiveness clock be reviewed and corrected if disrupted. 
These issues be investigated as part of the pending legal and regulatory scrutiny into Nelnets IDR practices. 

Please contact me if you require documentation, including my billing statements, IDR extension letter, and payment summaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
AFTER I PAID OFF THE ACCOUNT AND IT WAS CLOSED OUT XXXX XXXX KEPT CHARGING ME LATE FEES FOR {$41.00} EVERY MONTH AND HAS NOW TRANFERRED THE ACCOUNT TO LVNV FUNDING FOR A DEPT COLLECTION OF {$430.00}. I HAVE CONTACTED BOTH PARTIES TO SHOW PROOF OF LAST PAYMENT AND GET A HISTORY OF PAYMENTS BUT WAS REFUSD ANY DOCUMENTATION. BOTH PARTIES SENT ME ON A RUN AROUND STATING THAT THE OTHER PARTY HAS THAT INFO NOT THEM. I AM AT A DEAD END AND CANTS AFFORD THIS DEBT. AS I AM OUT OF WORK DUE TO THIS COLLECTION ON MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to 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 2025-07-05 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:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief