vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
XXXX XXXX, Harley Davidson Financial Services, called and demanded payment on the spot today, XX/XX/year> for a vehicle loan. The payment had previously been scheduled and the agent was supplied with the confirmation code provided directly from HDFS, then he proceeded to threaten me with additional fees for payments over 30 days late. I explained to him that he has the ability to check payment history through their system and see this account has never been 30 days late in the 2.5-year history of the loan. He continued to talk over me, so I asked for his supervisors contact information which he did not provide. I ended up breaking contact by disconnecting the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date : XX/XX/year> Subject : Formal Dispute of Charge-Off and Request for Deletion Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information currently reported on my credit file regarding the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX The reported charge-off and repossession account is incorrect and harmful to my credit standing. This misinformation is not only preventing me from securing necessary credit, but it is also negatively impacting my financial well-being and personal character. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a thorough investigation of this account. Please provide complete documentation to validate this debtincluding the original signed contract, account statements, and payment records. If you are unable to produce such documentation, I request that you either : Update the account to reflect " PAID IN FULL '' or " PAID AS AGREED '', Or remove the item entirely from my credit report with all credit reporting agencies. 

Additionally, this account is marked as charged off. If this debt has in fact been charged off, please provide a copy of the IRS Form 1099-C issued to me for tax purposes. If no such form was filed, the charge-off status may be incorrect and should be updated immediately to reflect the true status of the account.

In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), please also provide a detailed explanation of the procedures used to verify the accuracy and completeness of the information, within 15 days of completing your investigation.

This matter is urgent, as even minor reporting errors significantly impact my ability to qualify for essential life opportunities such as home ownership, transportation, small business loans, and employment. 

I appreciate your prompt attention to this dispute and look forward to your timely resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date : XX/XX/year> Subject : Formal Dispute of Charge-Off and Request for Deletion Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information currently reported on my credit file regarding the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX The reported charge-off and repossession account is incorrect and harmful to my credit standing. This misinformation is not only preventing me from securing necessary credit, but it is also negatively impacting my financial well-being and personal character. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a thorough investigation of this account. Please provide complete documentation to validate this debtincluding the original signed contract, account statements, and payment records. If you are unable to produce such documentation, I request that you either : Update the account to reflect " PAID IN FULL '' or " PAID AS AGREED '', Or remove the item entirely from my credit report with all credit reporting agencies. 

Additionally, this account is marked as charged off. If this debt has in fact been charged off, please provide a copy of the IRS Form 1099-C issued to me for tax purposes. If no such form was filed, the charge-off status may be incorrect and should be updated immediately to reflect the true status of the account.

In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), please also provide a detailed explanation of the procedures used to verify the accuracy and completeness of the information, within 15 days of completing your investigation.

This matter is urgent, as even minor reporting errors significantly impact my ability to qualify for essential life opportunities such as home ownership, transportation, small business loans, and employment. 

I appreciate your prompt attention to this dispute and look forward to your timely resolution. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered that Ive been a victim of identity theft

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I've had this loan since XX/XX/year> with original amount of {$110000.00} with an interest rate of 6.75 %. 
I have made payments for 22 years and 7 months and the present balance on my loan is {$95000.00}. I was advised by Rushmore ( who I make payments to ) that {$2.00} is applied to my principle balance monthly with a payment amount of {$860.00}. 
It is unreasonable that 22 years of payments with the an interest rate on the high end @ 8 % have only yielded such a minuscule difference in the balance. 

The lien holder listed on my deed is XXXX XXXX XXXX XXXX I have contacted XXXX XXXX and they have no information on my loan nor could they offer direction or a phone number. 

I am requesting the full amortization of my loan including all history to include the break-down of the interest rates. 

It is unclear who I am making monthly payments to or what the true amount that is due on the loan is. This loan appears predatory and I am requesting release from this mortgage based on the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of two accounts listed under CAPITAL ONE BANK USA and CAPITAL ONE AUTO FINANCE. For CAPITAL ONE BANK USA ( Account No. XXXX ), the account is showing a 30-day late payment on XX/XX/XXXX, which is incorrect and unsupported by any valid documentation. Additionally, for CAPITAL ONE AUTO FINANCE ( Account No. XXXX ), which has been paid and closed, you are inaccurately reporting a 30-day late payment in XX/XX/XXXX. These entries are misleading, damaging to my creditworthiness, and violate the Fair Credit Reporting Act ( FCRA ) due to the lack of verifiable and accurate reporting under 1681i and 1681s-2.

I previously requested an investigation into these matters, but your response failed to properly address or correct the errors. I now request that you reopen the investigation and conduct a full reinvestigation of both accounts using original source documentation as required by law. If you are unable to verify the accuracy of the late payment claims, these derogatory entries must be permanently removed. I expect a corrected credit report and a full summary of your reinvestigation results within the timeframe required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
These accounts were expose in an XXXX  XXXX breach also there were expose in an XXXX XXXX XXXX are the accounts Listed that were affected 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

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I noticed that a previously deleted XXXX  XXXX bankruptcy ( filed XX/XX/XXXX ) had been reinserted into my TransUnion credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ), if a previously deleted item is reinserted, the credit bureau must : 1. Obtain certification of accuracy from the data furnisher, and 2. Notify the consumer within 5 business days of the reinsertion. 

As of XX/XX/XXXX, I have not received any reinsertion notice or supporting documentation from TransUnion. 

Furthermore, I froze my TransUnion and XXXX consumer files on XX/XX/XXXX, prior to the reinsertion. XXXX is the primary data source used to verify public records such as bankruptcies. Because my data was inaccessible at the time, I am concerned that TransUnion could not have properly verified this public record.

This reinsertion has negatively impacted my credit score, and I have received no explanation, notice, or verification regarding the reappearance of the item. I am requesting that the item be removed until full FCRA reinsertion procedures are followed, and that documentation of the verification source and furnisher be provided.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00}

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 non-monetary relief
Consumer complaint received 2025-07-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute Cash Apps inadequate handling of a fraudulent chargeback and their unjustified closure of my account despite prior assurances from their own agent that my account would remain active.

Background : * On or around XX/XX/XXXX, I sold a pair of shoes to a buyer who paid me {$70.00} via Cash App ( linked to their XXXX XXXX account ).

* After receiving the shoes, the buyer filed a false chargeback.

* I submitted : * Screenshots of the buyer confirming the sale.

* Proof the buyer blocked me after I followed up clear signs of friendly fraud.

Key Issues : 1. Broken Promise from Cash App Agent : * I was explicitly told by a Cash App agent over the phone that my account would not be deactivated if I disputed the chargeback.

* I proceeded in good faith, only for my account to later be deactivated anyway.

* I have documentation of this call.

2. Unjust Closure & Lack of Due Process : * Cash Apps XX/XX/XXXX response justifies the closure vaguely, citing suspected fraud yet fails to explain why, how, or what policy was triggered.

* The actual fraud was committed by the buyer, not me and Cash App did nothing to defend me or challenge the reversal.

* They now claim the CFPB Consent Order doesnt apply but my situation perfectly aligns with the concerns outlined in that order, especially around inadequate customer support, vague enforcement actions, and failure to defend users in disputes.

Account Information : * Full Name : XXXX XXXX * Cash App Username ( Cashtag ) : XXXX XXXX XXXX  Phone Number Linked to XXXX * Email Address on Account : XXXX * Last 4 Digits of Linked Bank Account : XXXX * Date of Transaction in Question : XX/XX/XXXX * Transaction Amount : {$70.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: CT

Complaint narrative:
I continue to receive this text but I do not have this bank : January is a debt collector. We offer payment plans to pay off your XXXX XXXX credit card balance. Visit january.com/b/W2aT-rVt_Eo= to get started. Reply STOP to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, RE : Request to Delete XXXX XXXX Account from My Credit Report Creditor : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reported Balance : {$3200.00} Dear XXXX  Disputes Department , I'm reaching out to ask that you remove the XXXX XXXX account listed above from my credit report. 

This account is listed as a charge-off, and it's been hurting my credit and holding me back from being able to move forward financially. Id like to resolve this and ask that you delete this account entirely from all three credit bureaus XXXX, Equifax, and XXXX. 

If you need me to take any steps on my end to help make this happen, Im open to working something out whether thats settling the balance, updating the record, or anything else that gets this cleaned up. But Id really appreciate your help in removing this account from my credit as soon as possible.

Please send a written response to confirm whether the account can be deleted.

Thanks in advance for your time and understanding.

Sincerely

Company response to consumer: Closed with non-monetary relief