vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax refused to contact XXXX and continues to report a missed payment in XX/XX/year>, which is false and has since been corrected by XXXX as of XXXX XX/XX/year>. This has hurt my credit score and my ability to purchase a home for my family. 

Equifax has repeatedly farmed out my inquiries to foreign phone agents who barely speak XXXX or they claim they are unable to help me. 

I am XXXX XXXX XXXX XXXX and I believe Equifax is in violation of the SCRA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been 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
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays XXXX has closed another credit card of mine. Most recently, I last used my card on XX/XX/scrub>/25, the bill was due on XXXX/XXXX/25, I came to make a payment on XX/XX/year>25 to learn my card was closed. I contacted customer service, representative did not have any information about why the account was closed. Representative attempted to reinstate the account over the phone and stated it was not successful and mentioned will file a complaint and wait for correspondence in the mail.

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 2025-05-22 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: PA

Complaint narrative:
XXXX XXXX dob XX/XX/XXXX last 4 ssn XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX under the account number XXXX, XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX openeded on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Inquiries equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquries. experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Fraud Address on my Credit Report Please remove address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX - requesting to remove the address from my credit report Requesting to Delete Credit Inquiry XXXX XXXX XXXX/XXXX/24

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 2025-05-22 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: IL

Complaint narrative:
A loan consisting of the amount of {$12000.00} was taken out in XXXX around XXXX. I immediately paid the loan off in XX/XX/XXXX. For some reason TransUnion keep reporting that I settle pay this loan. I never missed a payment. The paperwork that XXXX sent me and also statements of the history account does not show any missed payment. I have contacted XXXX on many occasions and even ask for a supervisor which Ive never gotten. I have sent several emails to them with all the information they need with the credit report showing the negative remarks. This mistake by Trans ( Union ) or Encurage/ XXXX has caused me XXXX points on my credit report. We all know these points are not gon na be corrected overnight. Someone wont admit that one of their employees made a mistake. Ive been fighting for almost 2 months and providing information from upstart to the credit bureau, which totally shows no settlement payment. 
There is truly no conversation to be given by either of these two companies versus the cost effect that it has cost me on my credit report while trying to do a home loan.

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 2025-05-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I made a purchase with my XXXX XXXX card years ago and forgot to pay it by the due date. I paid the $ XXXX dollars I owed the day afterwards and asked that the late fee be waived. The person I spoke with was very rude and refused to remove the {$35.00} late fee, although I was paying the bill in full a mere day after it was due. Since then, the bill has increased to {$270.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
The account is currently in collections since XX/XX/year>2022 and the accounts is closed so once the account is in collections pursuant to the fair collection practices act 15 XXXX XXXX  code1692

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 2025-05-22 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: GA

Complaint narrative:
I submitted certified letters that were ignored because the bureaus will not acknowledge receipt of my letters or accept my ID, Birth certificate and Social security card as identification for concerns of reinserted information, markings updated from unknown to derogatory in retaliation, incorrect information on balances known to be unverified because they are incorrect and reflect direct information across several platforms. The bureau is now retaliating and also allowing comments such as resolved by the grantor. The grantor can not resolve an investigation when they are lying about the balance. And continuing to add items, change information, refuse to remove information that had incorrection reflection of credit profile causing negative effects on employment, housing, insurance, etc and comments without following all of the proper steps, ignoring proper verification, investigation, proof and improper comments especially from XXXX where all payments were paid on time even after the account was closed by XXXX and continued to take payment, and closed the account as the representatives told me due to what the three bureaus told them about my other accounts when I have XXXX and out right ignoring the letters and retaliating or changing information Federal Consumer Laws 15 US Code 605B, US Code 6802, US Code 1637B, US Code 1681A ( 2 ) i, US Code 1666b

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX, which erroneously opened a gas/electric account in my name for a property I do not own or reside at on XX/XX/scrub> 2025. I reached out immediately after receiving an email with this information to disconnect said service. 

As I contacted XXXX XXXX immediately upon learning of the mistake, and they acknowledged the error and shut down the account approximately 7 days later. As this was the earliest time they would get a tech out to the address I was assured that I would not be held responsible for any charges. As I have never lived, nor live close to the address listed for the service started. The calls were recorded as stated on the line, which can prove I did not say the address stated in the started service line. 

Despite this, I recently received a collection notice for a balance tied to that erroneous account for a bill I never received and for service I never used. XXXX XXXX admitted fault but failed to rectify the issue. As a result, my credit score has dropped by XXXX points. I am now dealing with a collections agency over a debt that should never have existed, and Im concerned about long-term damage to my credit profile. 

I am requesting the CFPB/s assistance in ensuring XXXX XXXX fully resolves this error by removing any collections activity, reversing the charges, and issuing written confirmation that I am not liable. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
My new lender requested a payoff statement on my behalf using an encrypted email to protect my personal information including my social security number. Using the claim of company policy village capital denied my payoff request stating they will not open any messages that are encrypted. I called the customer service number and they informed me that they would not look at it to submit another claim and that it would be ten days even though the law states 7. I called back and reached out to a supervisor this time and I was told if I respond to the original email with they would provide it. I did so and after 4 days I received emails and phone calls from salespeople who were trying to get me to refinance. On day seven I was told I was never denied the request was never sent and in essence I am a liar. In 4 hours it will be the close of the business putting them in violation of the law but they would rather treat customers like trash even 100 % XXXX veterans such as my self. If you are a veteran steer very clear of this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
Hello, I am writing to dispute a debt collection that was submitted by a creditor, XXXX XXXX XXXX, to a third-party Debt Collector, Waypoint Resource Group . I was first contacted by XXXX on XX/XX/XXXX at XXXX XXXX using the phone number listed in ( XXXX ) XXXX regarding a {$67.00} debt that I apparently owed to XXXX for a service they didn't or couldn't provide. I spoke with XXXX about the debt and its origin. During the conversation, I disputed the charge and reached out to XXXX about the debt being requested. After talking with XXXX and opening a ticket, they informed me that the debt collection dispute was successfully resolved and that no further action was needed on Monday, XX/XX/XXXX, at XXXXXXXX XXXX. On that same day, at XXXX XXXX., I contacted XXXX to inform them of the collection dispute being settled. They told me that the creditor needed to officially inform them of this settlement, which I had assumed would happen when they told me there was nothing else I needed to do. I believed this situation was handled until I was called again on Monday, XX/XX/XXXX, at XXXXXXXX XXXX. by XXXX about the debt, which should have been removed. Since my initial phone call, I have not received anything in the mail from XXXX or XXXX regarding the debt. I called XXXX again today, XX/XX/XXXX, to confirm that this debt was resolved, and they informed me that it hasn't been resolved and is still owed, even after XXXX confirmed that the collections dispute was settled and no further action was required. I called XXXX again to discuss this issue, and during my first call, they said they couldn't assist me because I didn't have my account number, which I have never had during this entire process, although they were able to help me previously. However, now it seems they can't assist me without the number and told me I had to visit the XXXX store to obtain my account number. I have had to call XXXX and XXXX multiple times regarding this issue, and I continue to be given the runaround and misinformation that this issue has been resolved. As of today, Thursday, XX/XX/XXXX, I would like to submit a complaint and dispute to XXXX and XXXX regarding their handling of this debt collection.

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 2025-05-22 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have filed 7 disputes with Transunion and Experian due to inaccurate late payment history on 3 of my XXXX XXXX  accounts. 3 separate loans through XXXX are being reported as greater than 90 days past due for the months of XX/XX/XXXX and XX/XX/XXXX. I have filed 7 disputes total with Transunion and Experian. I have had varying results with each dispute. None of which, contained accurate information. Based on the information provided to me by my loan servicer, which were included in my disputes, I have no late payment history on all 3 loans and no past due balance. 

The date of my dispute filings were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for Experian. 
The dates for my dispute filings were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for Transunion. 

I would add the 4th dispute result for Experian but they claim to only have that information available to me by phone.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act Capital One XXXX  Discover Card, Capital One XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute inaccurate and outdated information currently listed on my credit report regarding the following closed and charged off accounts : Capital One XXXX {$2600.00} Capital One XXXX XXXX XXXX {$540.00} Discover Card {$840.00} This letter serves as a formal dispute and notice under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Both of these accounts are reporting inaccurate address information that does not reflect my current or valid place of residence. Additionally, the credit file lists an outdated employer, despite the fact that I have not been employed by that company for quite some time. These inaccuracies not only misrepresent my credit profile but are a clear violation of your obligation under the FCRA to report accurate and up-to-date information.

Furthermore, I assert that I have no financial obligations related to these accounts that should justify any negative marks or associations on my report. The continued presence of this outdated and incorrect data is having a severely negative impact on both my personal and professional life, including but not limited to housing opportunities, employment screening, and financial applications. These errors are a direct hindrance to my ability to move forward and achieve personal and professional goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I submitted a goodwill request to XXXX XXXX asking for the removal of late payments from my credit report. XXXX XXXX approved this request and confirmed that they would update all three credit bureaus. XXXX has already removed the late payment history from my credit report accordingly. However, Experian and TransUnion are still reporting the late payments inaccurately. 

I have contacted both Experian and TransUnion, but the inaccurate late payment history remains on my report. I am requesting that Experian and TransUnion update my credit file to reflect the accurate payment history as already corrected by XXXX and confirmed by XXXX XXXX. 

I am attaching documentation to support this request, including proof of the goodwill approval from XXXX XXXX and screenshots showing that XXXX has made the correction.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I was given an offer for a new credit card through Capital One. I am an existing customer of theirs since XXXX of XXXX, so I decided to accept the offer. They pulled a hard copy of my credit report from all three bureaus, and then on XX/XX/XXXX, they emailed me and told me they " could not verify my identity. '' I called them, and asked if they could tell me why exactly they could not confirm my identity, and they told me they would not provide me the information and I needed to call every bureau to find out why. I contacted each bureau, and they all told me I needed to contact Capital One. I have called them three time, spoke to three separate people, and they are still refusing to tell me why my identity can not be verified when I am an existing customer of theirs and all of my information with the credit bureaus matches my document I sent them for verification.

Company response to consumer: Closed with explanation