vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
Have a contract to sell on a condo. PHH will not provide a payoff for 1 condo. 2 condos are covered by mortgage. 2 deeds, 2 purchases, but somehow consolidated into 1 mortgage. PHH insists that entire loan must be paid ( 2 condos ) and will not provide a payoff for only 1 condo. This is making sale impossible, and closing impossible. I can not sell unit without providing clear title, and PHH can not provide a payoff amount for sale of 1 unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
2019 credit acceptance reported XXXX auto loans and all of them late. disputed a loan account on my XXXX  credit report that was incorrectly reported with XXXX late payments. XXXX removed XXXX of the inaccurate late payments, but they failed to correct the remaining inaccurate information and did not update my XXXX XXXX to reflect the corrected data. 

I contacted TransUnion multiple times requesting a reinvestigation, correction of the account, and an updated XXXX XXXX, but their call center representatives refused to file a formal complaint or escalate my issue to the XXXX Relations or XXXX escalation team. They only offered to open another basic dispute, which does not resolve the underlying error. 

I have received no investigation results, no email confirmation, and no updates. This issue has prevented me from being able to purchase a vehicle and has caused significant problems with my credit reporting. 

I am requesting that TransUnion fully correct the inaccurate reporting, update my XXXX XXXX to reflect the corrected information, and provide written confirmation of the correction. 

Additional details TransUnion has repeatedly refused to properly handle my dispute. Their call center denies the existence of the escalation or XXXX Relations team and will not process a formal complaint or reinvestigation. Despite multiple attempts to contact them, I have received no confirmation, no investigation results, and no updates. The inaccurate reporting has lowered my XXXX XXXX by over XXXX points and prevented me from completing a vehicle purchase. 

I am requesting that TransUnion immediately : 1. Fully reinvestigate the disputed account.

2. Correct all inaccurate reporting.

3. Update my credit file and credit score to reflect the accurate information.

4. Provide written confirmation of the correction via email. 

This complaint is being filed because all prior attempts to resolve the issue have failed

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 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I had my Chapter XXXX bankruptcy dismissed in XXXX of this year. When I filed the dismissal paperwork, I called and discovered that the bankruptcy court had not paid my mortgage for several months, even though the payments were being made to them. I asked what could be done about the past-due amount since it was not my fault, and I was advised to apply for an assistance program to get caught up. 

I applied and was approved. However, at the same time, the mortgage company reported that I was XXXX months behind on paymentsdespite my approval for the program and being told in writing that my next payment would not be due until XX/XX/year>. 

I have documentation confirming this, and I am requesting that this remark be removed, as it is inaccurate and my loan is current under the assistance program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter.

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 2025-11-14 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 am writing to file a dispute regarding the following accounts on my credit report. Please investigate and provide a resolution based on the issues outlined below. 


Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: UT

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX, a fully registered and verified small business in XXXX XXXX XXXX, Utah. I signed up for Squares payment processing services in good faith, completing all required identity and business verification steps, including providing my XXXX, Social Security XXXX, business documents, and bank account information. 
On my very first transactiona {$130.00} charge for after-hours mobile auto repairSquare deactivated my merchant account within XXXX hour, without warning or explanation. They also placed a XXXX hold on my legitimately earned funds, stating that funds would not be released until after XX/XX/year>. 
When I contacted XXXX multiple times for clarification, appeal, or a path forward, I was met only with generic policy responses citing vague security concerns, references to their XXXX XXXX XXXX, and a flat refusal to provide any details or evidence of wrongdoing. I was offered no clear explanation, no opportunity to address alleged issues, and no way to get my funds other than refunding my customera solution that further inconveniences my client and could delay or complicate payment. 
Squares lack of transparency, denial of due process, and arbitrary withholding of funds has directly harmed my small businesss finances and ability to operate. In my view, their actions constitute an unfair and potentially abusive business practice, given my full compliance and lack of any complaint or fraudulent activity. The company has refused to engage in good faith, offer a real appeal process, or provide a factual basis for their decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-14 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: AL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, Experian, and TransUnion data
breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-14 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/year>, I made a normal retail purchase on XXXX using XXXX checkout. Capital One coded this purchase as a cash advance, even though it was not a money transfer, bill payment, or cash-equivalent transaction. 

This caused an unexpected cash advance fee of approximately {$10.00} XXXX Ones own definition of a cash advance only includes activities like : sending money to friends through XXXX or other apps, using third-party bill pay services, buying casino chips or lottery tickets, or obtaining foreign currency. 

My XXXX transaction did not fall under any of these categories. It was a standard merchandise purchase. 

I contacted Capital One on XX/XX/year> and spoke to customer service, a billing dispute representative, and then a XXXX. All of them stated they could not do anything, even though this transaction was clearly mis-categorized. I was given no way of knowing beforehand that Capital One treats some XXXX retail purchases as cash advances. 

I am requesting that Capital One : 1. Reclassify the transaction as a normal purchase, and/or 2. Refund the cash advance fee that resulted from this incorrect coding. 

This situation caused an unfair fee that I could not have reasonably prevented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-14 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: NJ

Complaint narrative:
I am filing this complaint because my credit report with Experian continues to reflect inaccuracies that I have disputed multiple times, yet the errors remain unresolved. Specifically, the address listed under my previous addresses is incorrect. The correct address should be " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, '' but Experian is XXXX reporting the incorrect addresses " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX '' ( reported XX/XX/XXXX ), as well as " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX '' ( reported XX/XX/XXXX ), which are not mine and were reported without my consent. None of these addresses belong to me, and despite submitting documentation proving my correct address, these inaccuracies remain on my report. This violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure maximum accuracy in the information they report. In addition to the incorrect addresses, I am also disputing unauthorized hard inquiries from XXXX ( dated XX/XX/XXXX, under the business category of Bank Credit XXXX XXXX and XXXX XXXX ( dated XX/XX/XXXX, under the business category of Auto Dealers ). These inquiries were made without my consent, and despite my repeated disputes, they remain on my report. Under 15 U.S.C. 1681b, inquiries must be made with a permissible purpose, and under 15 U.S.C.1681e ( b ), the information reported must be accurate. Since these inquiries were made without my permission, they violate my rights and should be permanently removed. These inaccuracies, including the incorrect address and unauthorized inquiries, are harming my credit and negatively impacting my financial stability.

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 2025-11-14 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: TX

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I had a total loss accident on my Jeep in 2023 while insured through XXXX. I paid for XXXX insurance through my auto lender XXXX XXXX XXXX XXXX ). The entire total-loss process was handled in an irregular and harmful way that resulted in a false deficiency balance and credit damage. 

XXXX paid approximately {$26000.00} for the vehicle, but the value was far higher due to extensive upgrades and custom work that dramatically increased the value. 
I repeatedly told the lender and insurance company that the XXXX was worth significantly more and that I wanted to keep it or buy it back. I was told I was not allowed to remove anything from it and was never offered a buy-back option. 

The timeline of events shows this was handled for their financial benefit, not mine : The XXXX was declared a total loss based on airbag XXXX and an unfinished paint repair, not a full valuation of the vehicle or documentation of upgrades. 

I did not authorize removal of the XXXX before all bills were paid. Yet the insurer scheduled immediate pickup. 

XXXX was never paid by the insurance company. The auction company paid the storage fees instead so they could take the XXXX early and resell it. The pickup driver gave a personal business check, not a company check, and then stopped payment, proving the vehicle was removed before settlement was complete. 

The XXXX then went to auction in South Carolina and sold for over {$9000.00} even with XXXX airbags, confirming it was worth far more than the valuation I was paid. 

Despite the auction profit, none of the auction proceeds were applied to my loan balance. 

XXXX only paid a small amount and did not cover the entire balance as required by the XXXX policy. 

Instead of honoring XXXX, the lender created a deficiency balance and reported it to the credit bureaus. 

I never received any written notice that the XXXX claim was underpaid or that a deficiency balance was going to be reported until it was already damaging my credit. 

I was undergoing medical treatment at the time and still made every payment. I did everything right. I paid for GAP specifically to ensure I would never be financially ruined after a total loss. Instead, insurance, GAP, the auction, and the lender all profited from the total loss, while I was left with : no vehicle, no full GAP coverage, a false deficiency on my credit report, and a damaged financial record that now prevents me from getting transportation or financing. 

The math alone proves wrongdoing : If the payout truly exceeded the value of the XXXX, the auction would not have sold it for thousands of dollars more. 
If the auction sale proceeds were properly credited, there would be no deficiency. 
If XXXX properly did its job, there would be no debt at all.

Company response to consumer: Closed with explanation