vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The balance is being increased with interest despite no disclosure or notice from the collector that interest would accrue, which violates the FDCPA ( 15 U.S.C. 1692e and 1692f ). A collector can not add interest without informing the consumer in writing that the balance will increase over time. This makes the reported balance false and misleading.

Company Reporting the Account : XXXX XXXX XXXX ( or the name shown on your credit report ) Type of Issue : Incorrect information on credit report / improper reporting / debt collection violations Complaint Statement : I am filing this complaint because XXXX XXXX XXXX is reporting a tradeline on my credit reports with multiple FCRA and FDCPA violations. 
1. The account was sold or transferred to a collection agency, but the original furnisher is still reporting it as OPEN with a current balance of {$3400.00}. Once a debt is sold, the balance must be reported as {$0.00} and the account marked closed or transferred.

2. The account is listed as OPEN despite being charged off and written off. A charged-off account can not legally remain open, and no closure date is listed. 
3. The date reported was recently updated to XX/XX/year>XXXX  without any consumer activity or authorization. This is illegal re-aging and violates FCRA Section 623. 
4. The balance is being increased with added interest even though no notice was provided. Under the FDCPA ( 15 U.S.C. 1692e and 1692f ), a collector must notify the consumer in writing if the total amount owed will increase over time. I never received any such disclosure, making this balance false and misleading. 

These inaccuracies caused a significant drop in my credit score and resulted in financial harm. I previously disputed this account with the credit bureaus, and instead of correcting or removing it, the furnisher updated the reporting date and continued showing an illegal balance.

I am requesting that this tradeline be deleted entirely, not updated, as it is inaccurate, incomplete, and misleading under FCRA Sections 611 and 623.

If this is not resolved, I am prepared to pursue legal action for negligent and willful noncompliance under the FCRA and FDCPA.

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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Bank, now listed under XXXX XXXX XXXX, is reporting a credit card debt of more than {$16000.00} that I do not recognize.

When I requested validation of this debt, the company only provided billing statements. They did not provide a signed agreement, original application, or any legal proof that I am responsible for this account. Billing statements alone are not sufficient proof.

Despite this, the account continues to be reported as negative to the credit bureaus, which is causing serious harm to my credit profile.

I am requesting that the company provide full legal validation of this debt or immediately remove the inaccurate reporting from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
I am disputing multiple inaccurate and unlawful items being reported on my credit reports by XXXX, TransUnion, and XXXX. Despite prior disputes, the bureaus have continued to report false information in violation of federal law. 

The issues include : Inaccurate Student Loan Reporting ( FCRA Violations ) : Dept. of Education / XXXX loans are being reported as 90180 days late during deferment periods. 

This is factually inaccurate, as no payment was due during deferment. 

False Account Reporting : XXXX XXXX XXXX XXXX accounts are listed as Never Late but simultaneously show months of {$0.00} payments, which damages my credit standing. 

XXXX XXXX ( via XXXX XXXX reports multiple late payments, despite deferment status. 

Collections Reported Without Validation ( FDCPA Violations ) : XXXX XXXX and XXXX XXXX, XXXX accounts are reported as collections without lawful validation of debt. 

Unauthorized Hard Inquiries ( FCRA 604 ) : Inquiries from XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX were made without my consent or permissible purpose.

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 2025-09-27 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: GA

Complaint narrative:
I am disputing multiple inaccurate and unlawful items being reported on my credit reports by Experian, XXXX, and XXXX. Despite prior disputes, the bureaus have continued to report false information in violation of federal law. 

The issues include : Inaccurate Student Loan Reporting ( FCRA Violations ) : Dept. of Education / XXXX loans are being reported as 90180 days late during deferment periods. 

This is factually inaccurate, as no payment was due during deferment. 

False Account Reporting : XXXX XXXX XXXX XXXX accounts are listed as Never Late but simultaneously show months of {$0.00} payments, which damages my credit standing. 

XXXX XXXX ( via XXXX XXXX reports multiple late payments, despite deferment status. 

Collections Reported Without Validation ( FDCPA Violations ) : XXXX XXXX and XXXX XXXX, XXXX accounts are reported as collections without lawful validation of debt. 

Unauthorized Hard Inquiries ( FCRA 604 ) : Inquiries from XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX  were made without my consent or permissible purpose.

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 2025-09-27 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: Diversified Adjustment Service, Inc.
State: WI

Complaint narrative:
I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA 611 ).

The following accounts are being reported incorrectly : Diversified Adjustment ( Acct # XXXXXXXX XXXX ) : Not mine. 
XXXX XXXX ( Acct # XXXX Spectrum ) : Not mine. 
XXXX ( Acct # XXXX ) : Wrong late payments and balance. 
XXXX XXXX XXXX ( Acct # XXXX ) : False late payments. 
XXXX XXXX XXXX ( Acct # XXXX ) : Not mine. 

XXXX XXXX is also reporting outdated personal information ( old names, addresses, phone numbers, and employers ). My correct information is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX Employer : XXXX XXXX  I am requesting deletion of inaccurate accounts, removal of outdated personal information, and a corrected credit report. If any item is verified, I request the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Problems with credit reporting of my loan Incorrect information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Complaint Regarding Inaccurate Credit Reporting Improper Reporting of Collection Account To Whom It May Concern, I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) against XXXX XXXX XXXX and XXXX  for inaccurate and misleading credit reporting. 

Background The original creditor was XXXX XXXX XXXX XXXX XXXX. 
The account was placed with XXXX XXXX XXXX, which is now reporting it as a collection. 
Despite being a collection account, XXXX  is showing this tradeline as if I have been late every month since XXXX, creating a false impression of continuous delinquency. 
This is the first time I have seen this item on my credit report, and it is being reported in a way that suggests I had an active credit account with recurring monthly late payments, when in fact no credit was ever extended.

Legal Basis This reporting violates the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishers may not report information they know or should know is inaccurate.

15 U.S.C. 1681c ( a ) : Negative information can not be re-aged past the Date of First Delinquency ( DOFD ).

A collection account should be reported once with the accurate DOFD and balance, not as a revolving account with monthly lates.

Requested Relief I respectfully request that the CFPB require XXXX XXXX XXXX and XXXX  to : 1. Remove all inaccurate late-payment notations from XXXX through XXXX. 
2. Correct the tradeline so it reflects only a one-time collection entry with the correct DOFD.

3. Provide debt validation to show that this balance is legally owed. If they can not provide validation, the account should be deleted entirely.

4. Provide written confirmation that the correction or deletion has been made with XXXX, XXXX, and XXXX. 

Supporting Evidence I am attaching screenshots of my XXXX  credit report showing : Monthly late-payment history being reported since XXXX. 
The XXXX XXXX XXXX collection entry. 

This inaccurate reporting is causing ongoing harm to my credit profile. I request the CFPBs assistance in correcting or deleting this tradeline to ensure compliance with the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 ) : XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app charged me {$15.00} after failing to authorize transactions with my account online so they charged me for getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was stranded overnight in XXXX, XXXX, after XXXX XXXX ( airline ) overbooked my flight and refused to let me board. The airline, not me, is responsible for costs related to overbooking under XXXX law. I attempted to resolve this directly with the airline, but they refused to provide a refund or alternative flight. I was left with no choice but to pay {$240.00} for hotel accommodations, which I charged to my Chase Sapphire Preferred card. 

I filed a dispute with Chase on XX/XX/year>, attaching correspondence with the airline. On XX/XX/year>, I also spoke with a Chase Disputes representative by phone. Chase ultimately denied my claim, stating only that the hotel provided the service. 

This reasoning is inadequate and ignores the context. The hotel stay was not voluntary it was a direct consequence of the airlines service failure, which is already under investigation by XXXX ( XXXX consumer protection agency ). Despite my documentation and two phone explanations, Chase did not issue a provisional credit, did not conduct a reasonable investigation, and instead placed the charge on hold before reinstating it on XX/XX/scrub>XXXX just days before my XX/XX/year> autopay was due. This left me with limited time to adjust my payment and avoid being forced to cover a charge that is not mine to bear. 

When I asked Chase to explain their denial and review my evidence on XX/XX/year>, their representatives repeatedly responded only with the hotel provided the service, despite my emphasis that I as a consumer should not be held financially responsible for these costs, especially while an active investigation is ongoing with XXXX. This denial shows a failure to consider the full circumstances, a failure to review supporting evidence, and a failure to meet their obligations under Regulation Z ( 12 CFR 1026.13 ( a ) ( 3 ) and 1026.13 ( f ) ) to conduct a reasonable investigation. 

Chase 's handling of this dispute is in stark contrast to how XXXX XXXX ( another card issuer ) handled a related dispute from this same travel incident, promptly resolving the issue in my favor. Chases handling has left me unfairly paying for an expense that is no fault of mine, while the responsible party ( the airline ) has faced no accountability. This denial occurred even as an active XXXX  investigation remains open. 

Attached are all supporting documentation that accompanied my original dispute with Chase, as well as Chase 's dispute denial letter and email correspondence with XXXX stating they are looking into my complaint per article XXXX of XXXX 's Federal Consumer Protection Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: ID Analytics, Inc.
State: FL

Complaint narrative:
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. Account name XXXX  XXXX Account number XXXX XXXX. Account name XXXX XXXX Account number XXXX XXXX. Account name DEPT OF EDUCATION/XXXX  Account number XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account type Education 1. Account name DEPT OF EDUCATION/XXXX  Account number XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Account type Education 1. Account name DEPT OF EDUCATION/XXXX  Account number XXXX Balance : {$3200.00} Date : XXXX XXXX, XXXX Account type Education 1. Account name DEPT OF EDUCATION/XXXX  Account number XXXX Balance : {$2500.00} Date : XX/XX/XXXX XXXX. Account name DEPT OF EDUCATION/XXXX  Account number XXXX Balance : {$4100.00} Date : XX/XX/XXXXXXXX  Account type Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act, this collection has NOT provided the PURCHASE AGREEMENT for the debt they are trying to collect on. 
1. They are using an intimidation tactic to make me pay a debt that has NOT been validated with my signature that proves that the debt is mine. An invoice for a debt doesnt mean the debt is mine.

This is a federal complaint that they are blatantly violating the law. There should be NO entries of the above account on any of my credit reports, XXXX XXXX XXXX XXXX XXXXXXXX, etc. 
I am consulting with a consumer law attorney to explore my options regarding defamation of character and improper credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Heres a concise summary you can send directly to Cash App, CFPB, or XXXX  it explains the situation clearly without over-explaining : Summary of Issue My Cash App account was restricted and my funds placed on hold indefinitely after I included a XXXX XXXX XXXX XXXX  ( ) in a transaction note. I want to make it clear that I have not engaged in any prohibited transactions with sanctioned individuals, entities, or jurisdictions. 

The restriction appears to have been triggered solely by the use of an emoji, which is not a violation of U.S. sanctions law or Cash Apps Terms of Service. This error has resulted in my account being flagged and my funds being withheld, causing me unnecessary financial and emotional harm. 

I am requesting : 1. A compliance review of my account.

2. The immediate release of any held funds.

3. Written confirmation that no sanctions violation has occurred.

Supporting documentation ( screenshots and correspondence with Cash App ) is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing a complaint against Shellpoint Mortgage Servicing ( NMLS ID XXXX ) regarding my mortgage loan ( Loan Number : XXXX, Property Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) due to repeated violations of the Real Estate Settlement Procedures Act ( RESPA ) and deceptive practices. I submitted a XXXX  in XX/XX/year> via certified mail, requesting my full payment history, escrow details, and proof of loan ownership by XXXX XXXX XXXX XXXX XXXX XXXX, as partially noted in their XX/XX/year>, response. Over 60 business days later, their only reply is a generic acknowledgment promising action " as soon as possible '' without substantive information, breaching 12 CFR 1024.36s 30-day response deadline ( extendable by 15 days with justification, which they omitted ). 

This ongoing delay has caused significant harm, preventing refinancing or sale of my property, valued at substantial equity, and heightening distress with a foreclosure sale set for XX/XX/year>. Shellpoints misconduct includes using an incorrect name ( XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX, CA XXXX ), suggesting identity fraud, and providing misleading advice ( e.g., ignoring a Notice of Default ), indicative of dual-tracking. Their pattern of lost payments, ignored certified letters, and evasive responsesdocumented in prior CFPB complaints and public reviewsshows systemic bad faith.

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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I am disputing the way Credit Acceptance Corporation is reporting my account. False 180-day late payments are showing, which never occurred. This is inaccurate reporting in violation of FCRA 623. I request correction of the payment history to reflect pays-as-agreed or complete deletion of the account.

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 2025-09-28 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

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 2025-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: AR

Complaint narrative:
I requested verification of debt last XXXX in a certified letter. I followed up with them on a phone call when they dropped two of the three accounts I contacted them about. I also have disputed the debt several times on XXXX. They verify the debt with them but not with me. In XXXX of this year they dropped the third account from collections just to start back reporting the total debt as unpaid as of XXXX this year. The Company is National Recovery Agency collecting for XXXXXXXX XXXX XXXX XXXX  XXXX. The original debt is from XXXX  and my credit report says they are collecting on it until XXXX. The address is XXXX XXXX XXXX XXXX, PA XXXX. The total amount of debt is XXXX. I also have two conversations recorded where they have made promises to stop reporting which I asked them to do in the letter I sent.

Company response to consumer: Closed with explanation