vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: RI

Complaint narrative:
Dispute of Late Payment Reporting - Account XXXX XXXX  Account Number XXXX I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date. 
Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected. 
Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information. 
Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law.

Thank you for your prompt attention to this matter.

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 2025-12-22 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: RI

Complaint narrative:
Dispute of Late Payment Reporting - Account XXXX XXXX  Account Number XXXX I am writing to formally dispute the reporting of a late payment on the above-referenced account. This dispute is made pursuant to the Truth in Lending Act, specifically 15 U.S. Code 1666b - Timing of Payments.

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late if it is received by the creditor on or before the due date at the location designated by the creditor for receipt of payments.

My payment for the billing cycle in question was submitted in accordance with the terms provided by your company and was received on or before the due date. 
Despite this, your company has reported the payment as late, which constitutes inaccurate reporting and a violation of federal law. Any adverse reporting based on this error is improper and must be corrected.

Accordingly, I request that you : 1. Conduct a reasonable investigation into this matter ; 2. Correct or remove the late payment notation from my account records ; and 3. Update all consumer reporting agencies to which you have furnished this inaccurate information.

Please provide written confirmation once the correction has been made. If you are unable to substantiate that the payment was late under 15 U.S.C. 1666b, continued reporting of this derogatory information may subject your company to liability under applicable federal law. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
A collection account that was not supposed to be reported was previously removed from my credit report after multiple disputes. Despite this, Equifax has continued to report and reinsert the account. 

I submitted multiple disputes to Equifax disputing the accuracy of the collection account and providing notice that it was invalid and should not be reported. The account was deleted but later reappeared on my Equifax credit report. 

On XX/XX/year>, I spoke with a representative at the collection agency, who confirmed that the account was deleted and should not be reporting. The representative stated that the collection agency did not reinsert the account.On XX/XX/year>, I again spoke with a representative at the collection agency. During that conversation, the representative expressly stated that Equifax itself re-added the collection account to my credit report, and that the reinsertion was not initiated by the collection agency. 

The collection agency subsequently mailed me a written letter confirming that the account had been deleted and that notice of deletion was sent to the credit bureaus, including Equifax. 

Despite this confirmation, Equifax has continued to report the collection account. This demonstrates that Equifax reinserted and continues to report information that it knew, or should have known, was inaccurate. 

Despite repeated calls, multiple disputes, and written confirmation from the furnisher, Equifax has continued to report the collection account and has failed to conduct a meaningful investigation. Equifaxs actions demonstrate a pattern of ignoring verified information, improperly reinserting deleted data, and deflecting responsibility rather than complying with its obligations under federal law.

Equifaxs actions show a failure to maintain reasonable procedures to ensure accuracy, failure to properly reinvestigate disputes, and improper reinsertion of previously deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint against Citibank for the abrupt closure of my XXXX XXXX XXXX ( Acct ending XXXX ) and the malicious forfeiture of around {$240.00} in earned rewards. On XX/XX/year>, I discovered a missed payment caused by international travel network restrictions and immediately paid the balance in full. Currently, my account shows a credit balance of - {$41.00} ( see attached screenshot ), proving that I have overpaid Citibank and the bank has suffered XXXX financial loss. My XXXX statement confirmed a reward balance of {$230.00}, which increased to approximately {$240.00} by the time of closure. Despite my immediate remediation and a formal appeal to the banks executive office, Citibank issued a final rejection on XX/XX/XXXX, refusing to return my earned assets. Withholding these rewards after a debt is fully satisfied is unjust enrichment and an unfair banking practice.

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 monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MA

Complaint narrative:
I wasnt able to verify my identity on my original Cash App account, so I called customer support XXXX different times. Every time, the only solution they gave me was to close my account and create a new one. I followed their instructions and opened a new account. After that, I got a refund from XXXX because my order was delayed. The refund went to my old Cash App account, which Cash App had just closed. Ive now spent hours on the phone trying to get my money back, and Cash App keeps telling me they cant release my funds in any way unless I have a new verified account even though the whole problem started because their system wouldnt verify me. At this point, Im stuck with my own money trapped in a closed account, and theyre not offering any real solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was directly impacted by the XXXXXXXX XXXX Data Breach, which exposed sensitive consumer data, including personally identifiable information. Given this breach, the presence of an unverified debt reported by a third-party debt buyer raises serious concerns regarding : Identity integrity Data accuracy Unauthorized account attribution In light of the XXXX  breach , LVNV Funding bears a heightened burden to demonstrate that this account is legitimate, accurate, and properly attributed to me. Their failure to do so violates 15 U.S.C. 1681f, which prohibits furnishing information without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year> at XXXX hrs I received a XXXX message that a transaction had been made out of my checking account of Banco Popular of Puerto Rico ending in XXXX in the amount of {$20.00} by a person called XXXX XXXX phone number ( XXXX ) XXXX. I called the person and they said they didn't know anything about it and hung up. Tried to call again and no answer on their behalf. Accessed my " XXXX XXXX '' account and changed my password. Being that it is Sunday night, I will go to the bank tomorrow to report the transaction that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered an unauthorized account and inquires appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute this account and inquires and submitted documentation supporting that this debt was not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of this account violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of this unverified account and unauthorized inquiries has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply by allowing unverifiable and inaccurate information to remain.

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX Amount : {$91.00} Date Opened : XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX  15 ) XXXX XXXX 16 ) XXXX XXXX  17 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered an unauthorized account and inquires appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute this account and inquires and submitted documentation supporting that this debt was not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of this account violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of this unverified account and unauthorized inquiries has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply by allowing unverifiable and inaccurate information to remain.

Unauthorized Accounts Listed Below : 1 ) XXXX XXXX XXXX Amount : {$91.00} Date Opened : XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX  15 ) XXXX XXXX 16 ) XXXX XXXX  17 ) 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I owed XXXX {$17000.00}, and this account was being handled by the collection agency XXXX XXXX XXXX. I called them to reach a settlement and pay the account in full. The agreement was for {$10000.00}, and they told me that once I paid this amount, the account would be closed and reported with a balance of {$0.00}. After paying that amount on XX/XX/year>, the following week XXXX reported that I still owed them {$6900.00}, even though I had reached a payment agreement to close this account. Here are all the signed documents that prove what I'm saying. I contacted both companies, and neither wants to help me with this issue.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
It keeps taking money out of my town it's been taking money out of my account since I got tape cash up and every time I try to get my money back it's a problem and they tell me that it is not within the guidelines so XXXXXXXX XXXX and cash app keep taking my freaking money up to {$25.00} at a time sometimes XXXX sometimes you know XXXX or XXXX I don't know like it's always taking my money though even if I have my card lock I can change new cards and still take my money and they don't stop it and they don't replace it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goldcar Lending Inc.
State: AL

Complaint narrative:
CREDIT REPORT DISPUTE DEMAND FOR DELETION FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Date:XXXX XXXX  Re : GOLDCAR Lending Account No. XXXX To Whom It May Concern, I am disputing the accuracy and legal compliance of the following account on my credit report : Creditor : GOLDCAR Lending Account Number : XXXX XXXXXXXX Type : Auto Lease / Installment This account is being reported with materially inaccurate and misleading information and must be deleted. 

BASIS OF DISPUTE 1. The account is reported as Pays As Agreed while simultaneously stating Voluntary Surrender ; There may be a balance due.

A voluntary surrender is a default event and can not legally be reported as pays as agreed.

2. No payment history has been reported since XX/XX/year>, yet a balance of {$5000.00} continues to appear with periodic updates, falsely implying ongoing activity. 
3. Following a voluntary surrender, the creditor is required to provide a final deficiency balance after disposition of the vehicle. The vague statement there may be a balance due is not a valid or verifiable accounting.

4. The account contains Consumer Disputes Reinvestigation in Process notations without any documented correction, indicating a failure of reasonable reinvestigation. 

Because this account can not be verified for maximum possible accuracy under 15 U.S.C. 1681e ( b ), I demand its immediate deletion.

If verification is claimed, please provide the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I applied to be placed on a new income-based repayment plan so that I can begin making payments on my student loan in XXXX of XXXX. It is now nearly XXXX of XXXX and there has been no progress made in the processing of my application. I have accrued thousands in interest and was informed that, in order to be placed in an administrative forebearance, I would need to send a form via the postal service ( this should be an automatic process ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Canceled XXXX XXXX XXXX XXXX Policy in XXXX of XXXX and switched over to XXXX. XXXX XXXX XXXX XXXX did not cancle the policy and continued to bill us and did not provide a reimbursement. Provided documentation of new policy via email and into their portal twice, called 6 times from XXXX to XXXX trying to resolve this. XX/XX/XXXX just received a collection notice for {$390.00}. Called XXXX XXXX XXXX XXXX XXXX again to resolve this matter and no manager is available to assist me. 

The time I called in XXXX I was told by a XXXX XXXX XXXX XXXX rep to email the XXXX policy info that showed the new policy start date and coverage with XXXX and that I would then get a refund. I was not given a refund and instead starting receiving bills, called them again and told it would be resolved and now I have been turned into a collection agency for {$390.00} and still have no refund from them. 

Also the home owners insurance has both my name and my husbands name on it, yet the collection agency just sent it to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I make monthly payments on my Wells Fargo auto loan, often late but generally within XXXX  days past due, and I regularly pay the full amount due or more than the amount shown as due. Despite this, Wells Fargo applies my payments primarily to interest and principal while allowing late fees to remain outstanding, even when payments exceed the total amount due. 

For example, on or about XX/XX/year>, Wells Fargo received a payment of {$500.00}, while the total amount due at that time was {$500.00}. Despite this payment exceeding the amount due, late fees totaling {$140.00} remained outstanding, and the account continued to show a payment due. The payment was applied to interest and principal rather than first satisfying outstanding late fees. 

Payment detail screens show interest-heavy allocation in multiple months. For example, on XX/XX/year>, a payment was applied with {$160.00} to interest and {$270.00} to principal. On the same date, a separate late charge adjustment of {$69.00} was applied with {$0.00} to principal and {$0.00} to interest, indicating that late fees were credited separately and not resolved through payment application or recalculation. 

Transaction history over multiple months shows a repeating pattern in which late charges are added, payments are made, and late charges are added again in subsequent cycles ( e.g., XXXX through XX/XX/year> ), despite consistent payments being made. 

I contacted Wells Fargo customer service by phone to ask why payments were applied this way, why late fees remained after full or excess payments, and why online payments did not resolve late fees. I was told that online payments are applied automatically and that late fees can only be addressed through manual phone payments. I did not receive a clear or written explanation of the payment allocation hierarchy, how late fees are prioritized, or how to prevent ongoing fees and interest. 

This practice results in persistent delinquency status, repeated late fees, suppressed principal reduction, and increased interest accrual despite sufficient payments being made.

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