vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am currently serving on active duty in the United States Armed Forces and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my active-duty service and were not properly adjusted in accordance with the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ).

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I am filing this complaint regarding the handling of my auto loan by XXXX and XXXX. I have made multiple attempts to obtain clear documentation and accurate information about my account, but the responses I have received have been inconsistent, inaccurate, or entirely absent. 

The central problem involves ongoing misrepresentation of my contractual status. Although I am listed as the co-buyer on the signed contract, XXXX continues to issue notices labeling me as a co-signer. This contradicts the contract itself and has created confusion and obstacles in resolving the account. At this time requests for correction have not been addressed. 

In addition, I have concerns that the structure and management of the loan may be predatory, and that the loan has been handled in a way that may have caused long-term harm to my credit. While financial analysis is not my strongest area, it is clear that improper reporting and a lack of transparency in account management have negatively impacted me, potentially even before I attempted to separate myself from this vehicle due to unresolved issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: West Capital Lending, Inc.
State: CO

Complaint narrative:
I initiated a loan with West Capital Lending XXXX XXXX XXXX that was presented to me as a HELOC. This loan began on XX/XX/year> and was funded on XX/XX/year> at XXXX XXXX. The online account falsely reflects my credit score as XXXX, while my actual scores are XXXX, XXXX, and XXXX. 

They also listed my annual income as $ XXXXan outright fabrication, as they never asked for my income and I earn {$53000.00} per year. My property is worth {$360000.00}, and I owe {$110000.00} on my first mortgage. Despite this, they issued me a loan for {$260000.00}, placing my XXXX at roughly 105 %, yet the loan documents fraudulently claim an 80 % XXXX. 

I was not permitted to sign with a physical notary ; instead, I was forced into a virtual closing where the notary took full control of the signing process. I was never provided a Closing Disclosure, a Settlement Statement, or a PATRIOT Act form. XXXX XXXX XXXX, XXXX XXXX, engaged in predatory lending practices, charged an outrageous 5 % origination fee, and falsified the application. I did not electronically sign any of the documents, nor was I informed about the actual loan I was being funded for. 

No verification of my information was conducted. Everything I stated was mishandled or deliberately altered to force this loan through. After reviewing the documents uploaded to the portal, I confronted them about the fraudulent entries and manipulated numbersyet I received no explanation whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-03 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: PR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I just want to follow up this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused confusion, stress, and potential harm to my creditworthiness, as my XXXX Bank account ending XXXX * * * * * * * * * * is reported inconsistently across all three bureaus with a balance of {$470.00}, with Experian showing a last activity date of XX/XX/XXXX reported on XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX reported on XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX reported on XX/XX/XXXX, leaving my credit report inaccurate, incomplete, and unreliable, and in violation of my rights under the Fair Credit Reporting Act, including 611, 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), and 607 ( b ), which ensure that I have the right to dispute inaccurate information, require furnishers to investigate and report accurate information, and obligate bureaus to corrected unverifiable or obsolete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I just want to follow up this complaint regarding multiple inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which have caused confusion, stress, and potential harm to my creditworthiness, as my XXXX Bank account ending XXXX * * * * * * * * * * is reported inconsistently across all three bureaus with a balance of {$470.00}, with Experian showing a last activity date of XX/XX/XXXX reported on XX/XX/XXXX, Equifax showing last activity XX/XX/XXXX reported on XX/XX/XXXX, and TransUnion showing last activity XX/XX/XXXX reported on XX/XX/XXXX, leaving my credit report inaccurate, incomplete, and unreliable, and in violation of my rights under the Fair Credit Reporting Act, including 611, 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), and 607 ( b ), which ensure that I have the right to dispute inaccurate information, require furnishers to investigate and report accurate information, and obligate bureaus to corrected unverifiable or obsolete information.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hard inquiry dated XX/XX/year> was placed without my written permission. No credit application was submitted by me. Remove this unauthorized inquiry from all bureaus and confirm by mail. The inquiry dated XX/XX/year> was done without consent and violates FCRA 604 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am begging for help! I am a victim of the Experian Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the Dark Web! I recently reviewed my Credit report and noticed multiple fraudulent accounts on my report that I do not recognize. These accounts do not belong to me. They are fraudulent! I am left suffering from the aftermath because of a mistake Experian made. I fear for my life because these perpetrators know my address! Please remove it from my credit report because it is stopping me from obtaining credit causing a severe hindrance in my life. Remove within 4 Business Days According to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint of the information below : 1. XXXX XXXX XXXX DATE : XX/XX/XXXX BALANCE- {$980.00}

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 2025-12-03 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Skrill USA, Inc.
State: SC

Complaint narrative:
I used skrill to receive deposits from games I played and I deposited money then withdrew from a atm then they said that the funds were not mine provided proof then they denied my dispute and said Im still reliable for it when I show it wasnt my fault but a error on there end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that, pursuant to my rights under the federal Fair Debt Collection Practices Act ( FDCPA ), account number XXXX, I am exercising my right to demand an end to all communication with me, my family, friends, and employer regarding the alleged debt referenced above. Please do not contact me at home, at work, on my cell phone, or at any other location, by phone, mail, email, or any other form of communication. The FDCPA, Section 805 ( c ), requires you to cease all further communication after receiving this written notice. The only exceptions are to inform me that : You are terminating your collection efforts. You are invoking specific remedies which are ordinarily invoked by you or your company. You intend to file a lawsuit or pursue a specified legal remedy. 
Any contact other than for these limited purposes will be considered a violation of my rights under the FDCPA, and I will immediately file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state 's Attorney General 's office. I also demand that you provide written verification of the alleged debt, including the name and address of the original creditor and the current amount owed. Remove immediately! Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NerdWallet, Inc.
State: NV

Complaint narrative:
INCORRECT PERSONAL INFORMATION, INVALID ADDRESS. INVALID PERSONAL INFORMATION. IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
The documents exchanged over email several weeks before closing contained inaccuracies, which I was not made aware of until after the closing date. These errors prevented me from making informed decisions.

The financial impact is as follows : 1 ) I was originally offered a lender credit of {$7800.00}.

2 ) That credit was reduced twice, ultimately to $ XXXXjust enough to cover the closing costs.

3 ) I received false information stating that using my previous title company would save me money.

4 ) My closing cost for title insurance was quoted at {$920.00} but was increased to {$4000.00} without notice in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not my account. Please remove account immediately. This is fraud.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have written 18 reviews with XXXX XXXX and cash app comments back on everyone with we take this seriously it is important to us please reach out in the app for help and when I do I get no help. I have attached screenshots this is hurtful and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
b'SELF FINANCIAL/LEAD BANK $XX/XX/XXXXXX/XX/XXXXSelf Financial is reporting a charge-off with incorrect late-payment months, inconsistent balance changes, and missing required data.\nThe reporting is incomplete and unverifiable.\nThe company has not provided validation such as:\n\nOriginal contract\n\nPayment history\n\nAccurate delinquency timeline\nThis violates FCRA.\nPlease require full documentation or deletion of the account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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