vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am submitting this complaint regarding American Honda Finance, which is reporting inaccurate and potentially misleading information on my credit report. The account, listed under number XXXX, was opened on XX/XX/year>, with an original balance of {$31000.00}. Although this account is listed as paid and closed, it continues to reflect multiple late payment notations, which I believe are inaccurate and do not reflect the actual payment history. American Honda Finance has not provided proper documentation or verification substantiating these reported delinquencies. I have requested validation and correction but have not received any response or proof that these late payments are accurate. These repeated negative marks are unfairly lowering my credit score and misrepresenting my payment reliability. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require American Honda Finance to either provide full verification of the alleged delinquencies or remove them entirely in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX  debit it from my account for {$1000.00} XX/XX/year> XXXX  debit it from my account for {$4000.00} XX/XX/year> I canceled both transactions in Cash APP to XXXX XXXX because he didn't use CashApp and he only uses XXXX which screenshot is attached and I have a letter from CashApp stating they were canceled. 

I had someone working on a screen enclosure for the house whom didn't speak very much English. We asked him what forms of payments he accepted and stated a few options to him which he just shook his head to all of them. We tried sending the money using CashApp, but he later returned with a translator who informed us that he only accepted XXXX, check, and Cash. I then canceled the CashApp transactions and began using XXXX. The money didn't return to my account so I called XXXX. They temporarily gave me the funds back while they investigated. Next thing I know, the wife called saying my bank card was denied so I checked the balance only to learn that XXXX had reversed the funds. I called them immediately to find out why. I was told that CashApp told them that the funds went through to the intended person so they denied the complaint. I then called CashApp and spoke with a person who confirmed with me that the transactions were cancelled and to wait a few days for it show up in my account. I waited a few days and still no funds returned to my account. I called my bank back and they told me it was out of their hands so I scheduled a face to face with a bank manager who got my case reopened. I then had to call CashAPP back which they provided me a letter stating the funds had been canceled and the funds should be returned to me. I provided that letter to XXXX bank which {$1000.00} was finally returned to me with a promise that the {$4000.00} would be returned as well. Several phone calls later to XXXX and CashApp along with lots of frustration, aggravation, lots of time spent, borrowing money to pay some debts because of the money not being returned to me. I didn't receive a credit for the {$4000.00}. CashApp seem to have an awful way of getting around not giving me many options for example they wouldn't take a joint call with my bank to discuss even those XXXX was willing to discuss it with them over the phone with me. CashApp wouldn't let me escalate my issue over the to management and informed I could only reach them through email. I was dismissed through email by them closing my complaint and not resolving my issue telling me that I had to go through my bank. My bank submitted several requests to them to get my money in which CashApp denied each of them. It was like CashApp was telling me one thing and telling them another. I have all attachments that I will include to show what I have stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am disputing the following information reported by TransUnion due to inconsistencies between this bureau and others. I request that TransUnion conduct a reasonable investigation and ensure that all listed items are verifiable and accurate. Any unverifiable accounts or inquiries should be permanently removed in compliance with the FCRA. 

Accounts in Dispute ( Charged Off ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-12 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: MD

Complaint narrative:
i have a XXXX  card that has XXXX XXXX  for my XXXX  son : i went to pnc bank in XXXX  XXXX md and the atm ghosted buttons after hitting {$400.00} to withdraw. i hit exit and got no cash at this time i see later that the atm did take my money when checking my balance. 
i contacted pnc and they could not help me told me its been a ongoing issue with that atm. because it was not a pnc card to contact the card people. ( even tho i am a pnc customer ) spoke with customer support and may at the local branch ebt denied the claim as " not fraud ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXDOB: XXXXPhone: XXXX XXXXEmail: XXXXRespondents:\n\t1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMidland Credit Management Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXSummary of Complaint\n\nI submitted written disputes to XXXX  by certified mail on XXXX XXXX XXXX requesting reinvestigation and verification of several inaccurate items on my consumer report, including accounts allegedly reported by Midland Credit Management Inc and XXXX XXXX XXXX XXXXOn or about XXXX XXXX XXXX XXXX  completed its reinvestigation and stated that both accounts were verified as accurate and updated, without providing any supporting documentation, contract, or original creditor validation.\n\nThis violates my rights under the Fair Credit Reporting Act (FCRA), specifically:\n\t\t611(a)(1)(A)  Failure to conduct a reasonable reinvestigation\n\t\t611(a)(6)(B)(iii)  Failure to provide the method of verification\n\t\t623(a)(1)(A)  Furnisher reporting information known to be inaccurate\n\t\t623(a)(8)(D)  Furnisher failure to investigate direct disputes\n\t\t604(a)  Possible impermissible use of my credit file\n\nAdditionally, Midland Credit Management may be in violation of the Fair Debt Collection Practices Act (FDCPA) 809(b) by verifying a debt without providing validation or proof of ownership from the original creditor.\n\nAccounts in question\nFurnisher\nAccount (Last 4)\nOriginal Creditor\nBalance\nDate OpenedXXXX XXXX XXXX XXXX XXXX XXXXMidland Credit Management IncXXXX XXXX XXXX XXXXMidland Credit Management IncXXXXCredit \n\n\nRelief Requested\n\t1.\tRequire XXXX  to provide full method of verification documentation for each account, including communication logs and contracts used during reinvestigation.\n\t2.\tDirect Midland Credit Management and XXXX XXXX XXXX to provide full debt validation under FDCPA 809(b) and proof of ownership from the original creditor.\n\t3.\tDelete unverifiable or improperly verified accounts from all credit reporting agencies.\n\t4.\tImpose corrective measures to ensure compliance with FCRA 611 and 623 for all future investigations.\n\n\n\nAttached EvidenceXXXXXXXX  Investigation Results (screenshots dated XXXXCopies of dispute letters sent XXXX with certified mail receipts\n\t\tCredit report excerpts showing disputed accounts\n\n\n\nStatement\n\nI believe these accounts were verified without proper validation or supporting documentation, constituting a failure to conduct a reasonable reinvestigation as required by the FCRA. I request the CFPBs assistance in enforcing compliance and removing unverifiable accounts from my credit report.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXDOB: XXXXPhone: XXXX XXXXEmail: XXXXRespondentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSpring Oaks Capital LLC  XXXX XXXX XXXX XXXX XXXX XXXXSummary of Complaint\n\nI submitted written disputes to XXXX  by certified mail on XXXX XXXX XXXX requesting reinvestigation and verification of several inaccurate items on my consumer report, including accounts allegedly reported by XXXX XXXX XXXX XXXX and Spring Oaks Capital LLC.\n\nOn or about XXXX XXXX XXXX XXXX  completed its reinvestigation and stated that both accounts were verified as accurate and updated, without providing any supporting documentation, contract, or original creditor validation.\n\nThis violates my rights under the Fair Credit Reporting Act (FCRA), specifically:\n\t\t611(a)(1)(A)  Failure to conduct a reasonable reinvestigation\n\t\t611(a)(6)(B)(iii)  Failure to provide the method of verification\n\t\t623(a)(1)(A)  Furnisher reporting information known to be inaccurate\n\t\t623(a)(8)(D)  Furnisher failure to investigate direct disputes\n\t\t604(a)  Possible impermissible use of my credit file\n\nAdditionally, XXXX XXXX XXXX  may be in violation of the Fair Debt Collection Practices Act (FDCPA) 809(b) by verifying a debt without providing validation or proof of ownership from the original creditor.\n\nAccounts in question\nFurnisher\nAccount (Last 4)\nOriginal Creditor\nBalance\nDate Opened\nSpring Oaks Capital LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit \n\n\nRelief Requested\n\t1.\tRequire XXXX  to provide full method of verification documentation for each account, including communication logs and contracts used during reinvestigation.\n\t2.\tDirect XXXX XXXX XXXX  and Spring Oaks Capital to provide full debt validation under FDCPA 809(b) and proof of ownership from the original creditor.\n\t3.\tDelete unverifiable or improperly verified accounts from all credit reporting agencies.\n\t4.\tImpose corrective measures to ensure compliance with FCRA 611 and 623 for all future investigations.\n\n\n\nAttached EvidenceXXXX Investigation Results (screenshots dated XXXXCopies of dispute letters sent XXXX  with certified mail receipts\n\t\tCredit report excerpts showing disputed accounts\n\n\n\nStatement\n\nI believe these accounts were verified without proper validation or supporting documentation, constituting a failure to conduct a reasonable reinvestigation as required by the FCRA. I request the CFPBs assistance in enforcing compliance and removing unverifiable accounts from my credit report.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: National Consumer Telecom & Utilities Exchange, Inc.
State: SC

Complaint narrative:
XXXX is reporting fraudulent account data and phone numbers to the other credit bureaus. This is concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX The phone number that was used to create fraud accounts, communicate with creditors, and bank accounts was compromised ( SEE XXXX XXXX LETTER ). Please see the attached ID Theft package of evidence, police reports, and other creditors and their attorney 's agreeing to forego collections due to the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I was a victim of wire fraud, I attempted to go through my bank and recoup the funds. My bank denied my claim to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I began receiving emails from American Express ( I received XXXX that day ) addressed to another person who happens to have the same last name and first initial as me before I was married, saying that a XXXX  XXXX  was opened up. Given that this was NOT me, as I am not a customer of American Express, I was worried about fraud and I called the American Express XXXX XXXX to verify. They assured me that my information is not on this person 's account and I asked them to please remove my email address. I do not want my information on someone else 's account, nor is it my responsibility to serve as American Express 's placeholder in the meantime as they figure it out with the customer. 

What I suspect is that either the customer who we will call XXXX  or whoever might have entered his information on the XXXX  side probably fat-fingered his email address. I told them this and they said they would fix it. Alas, no one fixed it and I continue to receive balance statements for the actual customer each month. I know exactly what he owes. I know he was denied a payment he made for XXXX XXXX tickets back in XXXX because he had a high balance on his credit card already. Probably, because his payment alerts were going to XXXX and not the actual customer. Should I know this information about another person 's banking accounts? 

Also, both XXXX  and his new wife show up on my suggested friends list on XXXX now. Creepy, yes? 

I do not know these people. 

But I do know that the wife was added to the credit card account because I received that email notification too. 
I know XXXX  was denied a {$50.00} payment for a hair cut in XXXX  back on XX/XX/XXXX because his credit card spending was too high. 
I know exactly what amount he pays to American Express on his card balance each month, because I receive those emails too. 

I unsubscribed at some point over the past couple of months, but alas, I still receive monthly balance statements and confirmation of his payments ( with exact amounts ). 

I have submitted multiple disputes on their website, but I assume, since I am not a customer and they have no account on me to tie a case ID to, that they ignore it. Repeatedly. 

I called American Express again on XX/XX/year> to report that I wanted my email address off of XXXXXXXX XXXX account. Again, the rep assured me that they would, but as of today, I continue to receive these emails. 

I tried to call again XXXX days ago, XX/XX/XXXX, and waited on hold for over XXXX minutes before I gave up and came here. Why keep trying the same thing when no one can seem to fix such a simple mistake?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX U.S.C. XXXX, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-12 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
I paid my monthly payment on XX/XX/year>. XXXX XXXX then took another payment on XXXX that was not authorized with my debit card that is not on file with them. It was only given to the agent for XXXX payment made by phone. When I called XXXX XXXX  on XXXX to report the double payment. The agent told me the funds were not available. I explained the funds were deducted from my bank account. Agent then said when you make a Mobil payment there is a disclosure that comes up. There has yet to see a disclosure she was speaking of.I explained to the agent this is my mortgage money and I needed it back in my account. Agent and manger did not care. I called back on XXXX and the agent explained to me it will take 7 to 10 days for funds to be returned. It was not explained on XXXX. I explained again I needed the funds returned for my mortgage. At no time was this escalated. I had to borrow the money from a family member so not to be late on my mortgage. As of today the funds are still not returned.

Company response to consumer: Closed with explanation