vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to
commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
b'MIDLAND CREDIT MANAGEMENT (MCM)\n\nSubject: FCRA Violation  Incorrect Reporting & Illegal Re-Aging of Debt\n\nTo Whom It May Concern:\n\nThis letter serves as my formal dispute of the account that Midland Credit Management (MCM) is reporting to the credit bureaus. The account contains incorrect and unlawful information, specifically the re-aging of the debt to make it appear more recent than it actually is.\n\nRe-aging a debt is a clear violation of the Fair Credit Reporting Act (FCRA 623) and the Fair Debt Collection Practices Act (FDCPA 807). Debt collectors may not alter or misstate the Date of First Delinquency (DOFD), nor may they report inaccurate data to extend the 7-year reporting period.\n\nI am demanding the following:\n\nImmediate correction of the DOFD to reflect the true original delinquency date.\n\nRemoval of any inaccurate or misleading information currently reported.\n\nA full written validation of the debt, including documentation that supports the DOFD you claim.\n\nIf Midland fails to correct this violation, I will be filing complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission and will request a full investigation into your reporting practices.\n\nYou are required to respond to this dispute within 30 days.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX\nXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Exeter finance financed XXXX but I still owe XXXX and I have made 15 on time payments if XXXX and they are charging me 28.75 %. I want out of this service/lease agreement and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: C/C Financial
State: NY

Complaint narrative:
This collector PREFERRED LEASE has used my debt in the amount of {$1200.00}, and has since written off {$1200.00} of that debt. Under credit consumer law this has to be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Byrider Franchising, LLC
State: AR

Complaint narrative:
This dont fit in this category but its about going about receiving payments. They told me over XXXX dollars that I couldnt pay cause I told them I had rent. They told me thats not a good enough excuse and that I needed to drop the car off. I told them I have no way home and I have almost a year old and they still was adamant about me dropping the car off a hour away with no ride home would have to walk in XXXX degree weather in winter. I told them fine im done started panicking said some things I probably shouldnt have but they wouldnt budge on that. Then tried to no matter what either receive or get a loan or go on XXXX  XXXX or go on XXXX after being told come get the car. Repeatedly being told come get it im done unloading the car at this point refused wellit will be a charge of XXXX dollars if we come get itbut was adamant about us dropping the car off and walking an hour home with a baby! That is BREACH OF PEACE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Creditor : XXXX XXXX aka Commenity Bank - I had been a customer for a very long time and place orders with them, especially for their v-neck t-shirts. They fit my body type excellent. I Was preparing to go on vacation to the XXXX XXXX and I decided to order some T-shirts. I had a credit card with the company for a small amount and I didn't want to really have a charge card, but I was trying to build my credit up after becoming a widow that didn't have a lot of credit upon the death of my husband from XXXX on XX/XX/year>. I received all the t-shirts. I paid off the account as well and the amount over {$200.00}. I never thought about using the card again or anything like that until I started getting statements that I owed money. I didn't understand why because I had not ordered anything. I kept receiving phone calls after phone calls and being harassed for a payment. I informed them I paid that account off and I had no intention of using it. My words were ignored and I kept receiving calls from the company I kept receiving statements every month and I kept calling and XXXX day I got someone online and they transferred me to the fraud department and the fraud department told me that there was XXXX t-shirt that cost {$6.00} that was on back order apparently and it was mailed to me. I told the fraud representative that I never received an extra t-shirt, nor did I know XXXX was on back order. I was so excited to be going on my trip to the XXXX XXXX and so happy to have received my order, I thought my order was complete. Anyway a lot of time has passed and I put in a dispute with XXXX XXXX regarding the horrible and negative reporting by XXXX XXXX AKA Comenity Bank and nothing has happened positively. My credit rating has taken a huge hit with this credit card account continuously being reported as delinquent. As of today it's showing as a charge off. I'm just so frustrated and over this craziness. I need help to make it right. Why am I being blamed for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Horsepower Financial, LLC
State: OH

Complaint narrative:
Got approved, made my down payment, signed all the paperwork. After a week I had to return the vehicle. The only stipulation in the lease agreement is that the vehicle be operated by a licensed driver. I tried talking to the lease company but they just terminated the lease anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a loan that Mosaic has reported and is attempting to collect for a solar installation project that was never completed and was officially canceled.

Summary of Issue I entered into an agreement for a solar installation with a contractor who arranged financing through Mosaic.

The project was never installed, never activated, and no equipment was delivered or placed on my property.

The contractor subsequently canceled the project, and I have written confirmation that no work was performed. 

Despite this, Mosaic has maintained an active loan balance in my name, and I have continued receiving billing statements and negative credit-impacting activity. 

This Is Improper - Because the project was canceled and no goods or services were provided, Mosaic has no legitimate basis to keep an active loan in my name. Retaining this loan constitutes : XXXX. An unauthorized extension of credit, XXXX. Furnishing inaccurate information to credit bureaus, XXXX. And a violation of consumer protection expectations regarding financing for canceled home improvement contracts. 

I have attempted to resolve this directly with Mosaic, but the issue remains unresolved. Mosaic has not closed the loan nor removed it from my credit file, despite clear evidence that the financed product was not delivered. 


Attachments / Evidence Available I can provide, upon request : XXXX. Contractor confirmation that the solar project was canceled XXXX. Emails or documentation showing no installation or delivery occurred XXXX. Mosaic loan statements XXXX. Communications with Mosaic attempting resolution Conclusion I am requesting immediate corrective action. I am filing this complaint with the Consumer Financial Protection Bureau because I have exhausted good-faith efforts to resolve this matter directly and the continued reporting of a loan for a canceled project is materially harmful and inaccurate. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-06 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Was pressured into signing a lease for an apartment out of state. I was not able to move into the apt on the move in date, requested an extension or revision to change my move in date. They rental office refused. I had to cancel. Was informed that I needed to pay them the XXXX month rent and a buyout fee total of approx. {$3200.00}. I did confirm they rented the unit out to someone else in less than 30 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 explanation
Consumer complaint received 2025-12-06 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I am receiving repeated and unwanted text messages from Credence Resource Management attempting to collect a debt they claim is an XXXX XXXX XXXX account ending in XXXX. The messages started recently and continue despite the fact that I never authorized text communication and I never received any written validation notice before these texts, as required under the FDCPA. 

Credence sent multiple text messages offering a settlement amount ( {$1000.00} ) and stating that I owed {$2200.00}. I have not received any proof that I owe this debt, no itemized statement, no signed contract, and no notice of my rights before these collection attempts. The company contacted me through electronic communications without validating the debt and before providing the required written notice. 

I requested verification and asked them to stop contacting me by text, but they continued to send automated messages with links to payment portals. These actions violate my rights under the FDCPA, including improper electronic communication, failure to provide written validation, and attempts to collect a debt that has not been verified. 

I am requesting that XXXX stop all electronic communications, provide full written validation of the alleged debt, and correct any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I went in to cincy automall about a car I paid XXXX down and signed paperwork. The dealer said they lied about my income and down-payment amount on the loan applications and told me to lie saying I put XXXX down.

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 2025-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Their card was always declined, so I was unable to use it for any transactions. After a period of non-use, my credit limit was reduced. I later received a notice that my account would be closed if I did not use the card. Since it is my oldest account, I would prefer to keep it open. Thinking it might be a problem with the physical card, I ordered a new card and activated it. However, as soon as I tried to use it, I experienced the same problem. When trying to make purchases in person the card would not work, either by tapping or inserting the card. I reached out to XXXX and was told they dont see any attempted transactions and that the card should work. I was told to try again. I drove to a different vendor and tried again to make a purchase ; once again, the card was declined. I called back and they told me ( again ), that the card should work and they dont see any purchase attempts. They insisted the issue was not with them. I spoke with XXXX different agents. Since nobody was able to resolve the issue and they were going to close the account, I chose to close the account myself since I dont want to waste any more time with this problem that I have been experiencing repeatedly for years. It is wrong that my credit will be impacted by a company that is unable to solve this problem and provide me with a working card.

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 2025-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
am a victim of identity theft. Accounts and/or information were opened or used in my name without my authorization. I did not apply for these accounts, I did not give anyone permission to use my personal information, and I am not responsible for any charges or activity associated with them. 

I discovered the fraudulent activity when I reviewed my credit reports and noticed accounts and inquiries that do not belong to me. I contacted the company to report the identity theft and asked them to investigate and remove the fraudulent information from my credit file. The company has not resolved the issue and the inaccurate information is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
I have been with FNBO for years with a good payment history. I have tried talking with the customer service about my interest rate reduction ( XX/XX/year> ). They refuse to work with me at all. I am trying my best not to have to file bankrupcy but they will not budge on my rate. Any help would be greatly appreciated. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Resolution Request : Full Dismissal of Remaining Debt I am requesting a full and final dismissal of the remaining balance on my auto loan for the XXXX  XXXX XXXX due to unfair lending practices and the severe financial strain this loan has caused. 

After XXXX years of consistent payments, my balance remains at {$13000.00}, which is excessively disproportionate to the vehicles current market value of approximately {$4500.00}. The loan terms and interest structure have made it mathematically impossible for me to pay off the vehicle within a reasonable timeframe, as the majority of each payment continues to be applied toward interest rather than the principal. 

This situation has resulted in : Unfair and predatory lending conditions, Negative amortization, Financial harm, And an inability to refinance due to being trapped in extreme negative equity. I was also made to pay a down payment that is illegal. 

During a period of extreme financial strain, these practices have placed an unreasonable and unsustainable burden on me as the customer.

Company response to consumer: Closed with explanation