vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
I financed orthodontic treatment through XXXX using XXXX for {$1800.00} and have paid over {$1900.00}. During treatment, my wisdom teethalready eruptedbegan shifting my teeth, causing my aligners and retainers to no longer fit properly. Because of this, I was unable to complete treatment as planned. 

XXXX filed for XXXX and ceased operations before this issue could be resolved. Despite that, XXXX continued billing me for a balance of {$250.00} for services I did not receive. 

In XX/XX/year>, I contacted XXXX to dispute these charges, requesting cancellation of future billing, a copy of the signed finance agreement, an itemized breakdown of charges, and documentation showing their legal right to collect the debt post-bankruptcy. While XXXX acknowledged my dispute and provided some information, they refused to waive the remaining balance or stop billing. They deferred responsibility to the New York Attorney XXXX office but did not resolve my dispute. 

I have made good faith efforts to resolve this, paid more than the financed amount, and have not received full services. I am requesting the remaining balance be waived and the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Subject : Urgent : Report of Fraudulent Bitcoin Transactions ( XX/XX/XXXX XX/XX/XXXX ) To : Cash App Support Team Date : XXXX XX/XX/year> From : XXXX XXXX XXXX Cash App Username : [ XXXX XXXXXXXX Dear Cash App Support, I am writing to formally report unauthorized and fraudulent Bitcoin transactions made through my Cash App account between XX/XX/year>, and XX/XX/year>. 

I believe I was scammed during this period, and I did not authorize the XXXX purchases or transfers that occurred. These transactions do not reflect my intentions or typical activity, and I am concerned that my account was accessed or manipulated by someone else without my knowledge or consent. 

Summary of the Issue : Issue type : Unauthorized/Fraudulent Bitcoin transactions Timeframe : XX/XX/XXXX XX/XX/year> Cash App Username : XXXX XXXXXXXX Email/Phone on Account : XXXX Please investigate this matter urgently. I am requesting that you : Review and reverse the unauthorized Bitcoin transactions. 

Temporarily restrict or secure my account to prevent further unauthorized activity. 

Provide any available information regarding the source or location of these transactions. 

Let me know if any further documentation or action is required on my part. 

I appreciate your prompt attention to this issue. Please confirm receipt of this message and provide an update as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I took out a loan with One Main Financial in XXXX. The original loan was for XXXX to which I refinanced for a little more a few months later. The amount of the loan was XXXX. I still owe XXXX. I have been paying this for XXXX years and would like it off my credit report and also have it stated paid in full. XXXX years of payments without any money coming off. They are crooks and the loan is affecting my credit. They will not work with me, and I can no longer pay this money. I really need help in having this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
t-mobile is reporting under southwest credit systems saying i owe them and they also send repeating text messages about a balance owed too them that i never have knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada
State: CA

Complaint narrative:
b'Disputing a Debt That Is Not Mine  Roadside Rescue Towing via Sierra Outsourcing Solutions\XXXX XXXX XXXX XXXX XXXX XXXXn\nTo Whom It May Concern,\n\nI am submitting this complaint because I am being pursued for a debt that I do not owe.\n\nI received a collection letter from Sierra Outsourcing Solutions regarding a vehicle I sold several years ago  XXXX XXXX XXXX XXXX After the sale, the buyer failed to register the vehicle in their name. I had no control or possession of the vehicle when it was later towed and impounded. I had no knowledge of the impound or any storage charges at the time they occurred.\n\nSierra Outsourcing Solutions is now attempting to collect over XXXX from me for storage and towing fees incurred long after I sold the car. I never authorized the charges, never agreed to them, and never received any notice of them at the time.\n\nI sent a formal debt dispute letter in writing under the Fair Debt Collection Practices Act (FDCPA). The collector failed to provide proper validation of the debt  such as a signed agreement, proof of ownership at the time of impound, or real evidence I was notified. They only sent generic impound documents with my name from outdated DMV records. That does not make me legally responsible.\n\nThis collection attempt is unfair, misleading, and has caused me distress. I am requesting that the CFPB investigate this collector, ensure they cease contact with me, and prevent them from reporting this to the credit bureaus.\n\nI am not responsible for this debt, and I do not consent to further communication from this agency unless they can prove full legal liability  which they cannot.\n\nThank you for your attention to this matter.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was successful getting approval from XXXX and XXXX XXXX. Equifax took forever and after I submitted the XXXX digit cXXXXe sent to my phone, the automated response was that Equifax could not give me a free report at this time. I am entitled to my free annual credit report to be mailed to my current home address. Please forward to me my free Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are multiple credit inquiries on all 3 credit reporting agencies that I didnt give authorization for. Some are done multiple times with the same loan agency.

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 2025-08-04 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:
Subject : Follow-Up on CFPB Complaint # XXXX Equifax Inaccurate Reporting Not Resolved This message is in direct response to the communication I received regarding my complaint filed through the CFPB portal. The complaint number is XXXX, and it concerns inaccurate reporting by Equifax related to an account with XXXX 

In Equifaxs response to my complaint, they claimed that the account is currently reporting paid as agreed, with no late payments. However, this is factually false. I am attaching a screenshot taken directly from the Equifax website, which clearly shows that this account is reporting late payments. 

I am providing this documentation as proof that Equifaxs response was misleading and that the issue has not been resolved. The evidence speaks for itself. 

I request the CFPB take immediate action : Reopen and escalate my complaint ; Require Equifax to correct this inaccurate reporting ; Investigate why Equifax has denied the existence of late payments that are clearly present in their own system ; Hold Equifax accountable for violating the Fair Credit Reporting Act ( FCRA ) and providing false and misleading information in their official response to the CFPB. 

This is a clear case of misinformation and mishandling of consumer data, and the CFPB must step up to the plate and ensure that Equifax is held responsible for their failure to follow the law and protect consumers. 

Thank you for your attention to this serious matter. I look forward to your prompt response and action. 
XXXX XXXX Social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed my account for violating terms but my cash app was hacked last year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Date : XX/XX/year> Inaccurate Reporting and Legal Misconduct by Midland Credit Management Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the conduct of Midland Credit Management a company currently reporting an alleged account to consumer reporting agencies under my name, XXXX XXXX XXXX. 

The account in question is inaccurate and unverifiable under the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and its continued reporting constitutes a willful violation of my rights as a consumer. I have previously disputed this account, and Midland Credit Management failed to provide proper verification of the debt as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 

Additionally, Midland Credit Management initiated a legal proceeding against me XX/XX/year> in XXXX XXXX XXXX XXXX but filed a motion to vacate or withdraw the case before trial, which strongly indicates the claim lacked merit or substantiating evidence. This pre-trial withdrawal further undermines the legitimacy of their reporting and is indicative of either a lack of standing or improper documentation of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I received a notice from American Express on or around XX/XX/year>, stating that unless I made a payment of {$4400.00} by XX/XX/year>, my credit limit would be reduced by an unspecified amount. I did not miss any payments. I never requested a credit limit increase. This sudden and disproportionate demand appears coercive : AMEX is pressuring me to make a large lump-sum payment or face a credit limit reduction that would damage my credit utilization and score. 

When I called to discuss the matter, I was not given a clear reason. I was told the decision may have been triggered by my credit report, yet no specific issue could be identified. I have not defaulted or missed payments, and any temporary balance spikes on other cards have since been corrected. AMEX refused to offer any alternatives or grace period beyond the arbitrary XX/XX/XXXX deadline. 

This incident appears to be part of a broader pattern of unfair or deceptive conduct : AMEX unilaterally raised my credit limit by at least {$20000.00}, even though I never requested or needed it. This inflated my exposure and made closing the account more damaging to my credit. 
They later used that inflated limit to justify punitive threats when I used the card as designed. 
The cards rewards program was changed significantly after signup. Redemption became restricted to limited options ( e.g., XXXX store ), reducing their real-world value. 
An annual fee of {$120.00} was added without any corresponding increase in benefit. 

These changes, taken together, appear to be a bait-and-switch : AMEX advertised generous terms XXXX gradually degraded the benefits, increased costs, and then threatened punitive action when I used the credit they voluntarily extended. The company is acting unilaterally in ways that increase dependency and risk for consumers. 

I am requesting CFPB review this case under the authority granted by Dodd-Frank ( 12 U.S.C. 5531 ) for unfair, deceptive, or abusive acts or practices ( UDAAP ), and to determine whether AMEX is using outdated or inaccurate credit reporting information in violation of FCRA or ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX RE : Dispute of Inaccurate Late XXXX XXXX XXXX XXXX XXXX Account ( Acct # XXXX ) To Whom It XXXX Concern, I am formally disputing inaccurate and potentially unverifiable late payment information reported on my credit profile regarding the following account : Creditor Name : XXXX XXXXXXXX XXXX  Account Type : Installment Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Reported Late Payment : XX/XX/XXXX ( XXXX days late ) According to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ], I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. Upon review, I found no proof that this late payment in XX/XX/XXXX is valid, verified, or accurately reported. 

Additionally, under 15 U.S. Code 1666b ( Truth in Lending Act ), a creditor may not treat a payment as late unless they have adopted and followed reasonable procedures to ensure that the billing statement was provided at least 21 days before the payment due date. If XXXX XXXXXXXX XXXX can not demonstrate that such procedures were followed, this reported late payment violates federal law and must be removed. 

Supporting case law includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Requires credit bureaus to go beyond just relying on the furnishers data. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Failure to conduct a reasonable reinvestigation may result in legal liability. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Bureaus must follow procedures to ensure maximum possible accuracy. 

Because the late payment in question contradicts other data reported, lacks independent verification, and was possibly reported in violation of 1666b, I am formally requesting immediate removal. 



I am requesting the following : XXXX. A full reinvestigation of the XX/XX/XXXX late payment notation. 
2. Removal of the 30+ day late payment from this account if it can not be verified with actual documentation or if billing notice requirements under 1666b were not met.

3. An updated copy of my credit report reflecting the deletion.

4. A written explanation of your reinvestigation process and findings.

Please complete the reinvestigation and respond within 30 days, as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm charged off my account in XX/XX/year>, but they continue to report the account as charged off ( marked as CO ) every single month after that on my credit report. 

This is inaccurate and misleading. A charge-off is a one-time event. Repeating CO month after month creates the false impression of multiple charge-offs, which unfairly hurts my credit score. 

I disputed this with the credit bureaus, but the account was marked as verified with no correction made. The issue has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am submitting a follow up complaint to dispute concerning inaccurate, incomplete, and unauthorized items appearing on my credit report. Despite my efforts to resolve this matter through the proper dispute channels, the items in question remain unresolved. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint due to a pattern of inaccurate, misleading, and harmful credit reporting by Santander Consumer USA Inc. on my auto loan. The tradeline contains multiple violations of the Fair Credit Reporting Act ( FCRA ), including : The reported balance of {$16000.00} does not match the {$16000.00} balance on your own official deficiency notice. 

Furthermore, the report shows a contradictory " {$20000.00} written off '' amount. 

The existence of a settlement offer for approximately {$3000.00} also provides evidence that the reported balance is not a good-faith representation of the debt 's value also a violation. 

The tradeline claims a " Recent payment '' on XXXX  of {$350.00} as of XX/XX/year>, yet the payment history for the same month, on XXXX XXXXXX/XX/year>, is listed as a charge-off. It is impossible to make a recent payment on an account that was charged off in the same month. 

For a repossessed vehicle, the correct term for the remaining amount is a " deficiency balance, '' not " past due. '' The use of " past due '' is misleading and inaccurate. 

Under the FCRA, all information reported to the credit bureaus must be " complete and accurate. '' The use of the term " past due '' on a charged-off and repossessed account is factually misleading and incomplete. It fails to reflect the true nature of the debt as a deficiency balance, which is a key reporting violation. 

These multiple and cumulative violations have created a harmful and inaccurate record on my credit report.

Company response to consumer: Closed with explanation