vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/year> I purchased a camera lens ( XXXX XXXXXXXX XXXX XXXX ) from XXXX XXXX online. The total cost was {$2900.00}. The item shipped overnight and as requested was delivered to me with signature confirmation. The delivery driver set the box down on the porch and had me ign for it, then left. I picked up the box and IMMEDIATELY knew something was off. The box itself wa labeled with the contents in multiple locations very obviously indicting was inside was expensive. Came into my house, noted that the packing tape did not match. I opened the box and inside was the box for the lens, but the lens was NOT THERE. There was a bag, a lens hood etc. I called XXXX XXXX, they advised I go to the store, I did, the store couldnt help me. They were to reshoot the order, they then canceled so I disputed the charge with discover and sent all proof I had. I confirmed with XXXX XXXX all calls were recorded and that Id be okay going this route because they werent reshaping. So I disputed and discover denied the dispute and the refund showing that the package was delivered I know it was delivered and I never disputed that fact. It was stolen, fedex and XXXX XXXX were not helpful and I trusted that my credit card would take care of it as a last resort. I have no camera lens, they have {$3000.00} of my money and I have been trying for MONTHS to get it resolved to no avail. I dont understand how to dispute it any better than I have but this is causing great financial hardship on our family, we are XXXX XXXX XXXX and live very budget friendly and this is a huge blow. The tracking still shows waiting to be shipped as the status four months later. This has all been truly traumatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The accounts reporting on my credit report with XXXX XXXX are fraudulent and need to be removed off my credit report, i have never done business with the companies they are attempting to collect on, i have attached a fraud affidavit as well as the response from XXXX XXXX confirming these accounts are not mine and would be deleted off my credit file, please remove the accounts in collections with XXXX XXXXt off my credit report, see attached Fraud affidavit along with response from 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 2025-03-13 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: Collection Management Holdings, LLC
State: SC

Complaint narrative:
Company is in violation of the law effective XX/XX/2025 they're billing an amout that was paid through insurance. I told them they had no right to report on my credit and incorrectly by the way. I asked for verification of debt and I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I have been reporting these issues to all three credit agencies for the last couple of years and I have also been asking the CFPB to assist me on these issues as well. I have ask all 3 credit agencies to report my correct name and only showing one name on my credit report. I have also requested them to show my correct address as well. They seem to only report what they want to report and not the correct information. I have asked written to the agency many of times regarding any hard inquiries that are reported on my credit report to be removed along with any late payments. It shows that I had an late payment on a vehicle I paid off early. If there were any late payments, paying that vehicle off early would not have been an option. I have asked the credit agencies for many years to remove that incorrect information and they have yet to do so. In accordance to the Fair Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have submitted countless letters through mail and disputes through CFPB and on the three credit agencies websites and no action has been taken. I will have no choice but to involve the State Attorneys General office if no further actions are taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I have been reporting these issues to all three credit agencies for the last couple of years and I have also been asking the CFPB to assist me on these issues as well. I have ask all 3 credit agencies to report my correct name and only showing one name on my credit report. I have also requested them to show my correct address as well. They seem to only report what they want to report and not the correct information. I have asked written to the agency many of times regarding any hard inquiries that are reported on my credit report to be removed along with any late payments. It shows that I had an late payment on a vehicle I paid off early. If there were any late payments, paying that vehicle off early would not have been an option. I have asked the credit agencies for many years to remove that incorrect information and they have yet to do so. In accordance to the Fair Reporting Act, these creditors have violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have submitted countless letters through mail and disputes through CFPB and on the three credit agencies websites and no action has been taken. I will have no choice but to involve the State Attorneys General office if no further actions are taken to resolve 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 2025-03-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My Account has paid/off and or closed and still reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This car was sold at XXXX and a check was sent to XXXX in the amount of {$11000.00} and they received it on XX/XX/XXXX. This was the advised payoff quote. I no longer have this car! XXXX has failed to update account accordingly and lying about amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
personal incorrect info XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX incorrect job info wtw XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Revolving Accounts XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX HARD INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
personal incorrect info XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX incorrect job info wtw XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Revolving Accounts XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX $ XX/XX/XXXX HARD INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, has violated my rights under law 15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), outlines rules regarding debt collector communication with consumers, including restrictions on communication times, places, and with whom they can communicate. Therefore I will not attempt to make any effort pay or negotiate any debts owned due to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has placed on my credit report. I have attempted multiple times to contact Experian by phone to resolve this issue, but I have been unable to reach a representative. Additionally, after repeated attempts, two of the phone numbers I used to call were blocked, preventing me from making further contact.

Experians refusal to address my concerns and the continued placement of misinformation on my credit report is unacceptable. I request immediate action to correct these errors and a proper explanation as to why my calls have been ignored and blocked. Please consider this a formal request for resolution, and I expect a prompt response.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
So on XXXX XXXX, there was {$500.00} taken out of my cash app account. I found a dispute on the XXXX  and I called back on the XXXX  because Ive never heard anything and they said that there was not a dispute filed so the guy on the phone re-filed the dispute and send it in this was on Friday so on Monday They they sent me an email and said that the dispute was denied because from their investigation that I had authorize the payment but they never sent anything that they found in their investigation so I I called the lady on customer service and she said that did she see where they had denied it, but they did not put in the chart where anything was found and she said she thought it was odd so she said that were going to resubmit that dispute and this was Monday so Wednesday, which have been yesterday they sent the dispute back and then they sent a copy of my transactions from where I had made transactions, but thats not evidence saying that I authorize the payment. You cant get a hold of anybody. They say you have to reply to the email, but the email that the fraud department has is a no reply email and I dont have {$500.00} for people just to take out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-13 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: RELIANCE FIRST CAPITAL LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent Reliance First Capital XXXX LLC a Qualified Indorsement, which was delivered on XX/XX/year>, via Certified Mail # XXXX. This document, which was also submitted as part of my previous CFPB complaint ( # XXXX ), formally accepted and endorsed their provided loan statement under specific terms and conditions. 

Under contract law principles, Reliance First Capital had a duty to respond by either rejecting or acknowledging the Qualified Indorsement within a reasonable timeframe. They failed to do so, which, by legal default, constitutes acceptance of the terms set forth. 

Despite this, Reliance First Capital has continued collection efforts, failed to acknowledge their contractual acceptance, and has proceeded as if the Qualified Indorsement was never submitted. This includes : Sending additional loss mitigation requests instead of formally addressing the indorsement. 

Ignoring my formal demand for written confirmation of debt satisfaction and title correction. 

Failing to cease all foreclosure-related actions and negative reporting risks. 


Their failure to respond within the proper timeframe results in the full discharge of the alleged debt. However, they have refused to acknowledge this discharge and continue collection activities. 

Requested Resolution : Recognize that the Qualified Indorsement was accepted by non-response, thereby satisfying and discharging the alleged debt. 

Immediately cease all collection and foreclosure efforts. 

Provide written confirmation of the debts satisfaction and cease all negative credit reporting. 

Return my corrected property title without further delay. 


Failure to comply within XXXX business days will result in further regulatory escalation and legal action.

Company response to consumer: Closed with explanation