vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I affirm that the inaccurate late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
On today XXXX XXXX XXXX XXXX XXXX XXXX, I called concora credits customer service line because they locked my card and overcharged my payment. When I called and tried to dispute it with them, they were reluctant to help me, demanded my ID card, even though I verified my identity with my social security and name. They also refused to refund the money their system overcharged me. They told me that I needed to verify my identity first, but I couldnt have accessed the account without my social security. I needed the money back today, and they told me to dispute it with my regular bank. I only authorized XXXX payment, not XXXX. This happened because their system glitched out and deleted the scheduled payment for XX/XX/XXXX, so I added another payment on XX/XX/XXXX. Suddenly, my account is overpaid and they lock it, and Im {$800.00} in the hole. Their customer service doesnt have access to fix the issue and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the fraudulent account being reported under my name. I have no association with this account, never authorized it, and never conducted any activity related to it. This reporting is erroneous and must be corrected.

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 2025-09-03 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: NY

Complaint narrative:
I am disputing the reporting of my XXXX XXXX XXXX account. The account was closed in XX/XX/XXXX, and the first delinquency occurred in early XXXX. Under the Fair Credit Reporting Act ( FCRA ), negative information can only be reported for 7 years from the Date of First Delinquency ( DOFD ). Therefore, this account should be scheduled to be removed in XX/XX/XXXX. 

However, Experian is reporting that the account will remain on my credit report until XX/XX/XXXX. This is an unlawful re-aging of the account, as furnishers and credit bureaus are not allowed to change or misreport the DOFD to extend the reporting period. 

I sent Experian dispute letters in XX/XX/XXXX specifically pointing out this error. Instead of correcting it, Experian and/or the furnisher updated the account to keep it on my file for an additional 2 years beyond the legal XXXX period. 

This is inaccurate and harmful reporting, and I am requesting that the Consumer Financial Protection Bureau ensure that Experian and the furnisher correct the Date of First Delinquency and update the removal date to XX/XX/XXXX, or permanently delete the account from my credit file.

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 2025-09-03 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
The reported late payment on my account is inaccurate. My payment records demonstrate that I have always paid on time, making this entry a clear error. This matter requires immediate 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
The late payment reported on my account is inaccurate. My history demonstrates that I have never been delinquent. This false reporting is damaging and must be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App is refusing to resolve my complaint about a missing {$280.00} refund from XXXX  XXXX, sent XX/XX/year> ( ARN : XXXX ). 

Their XX/XX/XXXX written reply claimed they could not verify I was the account owner. I attempted to reply to verify ownership, but their email bounced back and directed me to in-app support. In-app support refuses to escalate, says there is " no transaction, '' and ignores the ARN I provided. 

I have already provided proof from XXXX  XXXX showing the refund was issued through XXXX XXXX  ( XXXX ) with the ARN. Only Cash AppXXXX XXXX  can trace this refund, yet they are avoiding responsibility. 

It has been nearly 3 months. Cash App is withholding my refund and refusing to provide a way to verify ownership or escalate internally. I am requesting CFPB intervention to require Cash App to trace the ARN and apply the refund or issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LENDING LLC
State: VA

Complaint narrative:
I requested HELOC information from what I thought was a trusted source ( Nerd Wallet and Lending Tree ). Those sites apparently sold my information to a variety of other sites and now I am getting inundated with sales calls. That, I can expect. However, many of these sales calls are calling several times a day and are very disrespectful. They often do not even answer when I pick up ( There will just be silence and then the line will disconnect ) or when I ask to be removed from the list, they will be insistent - refusing to give me exact company names or individual representative names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One has engaged in financial tactics on par with " financial warfare '' as : : disrupting the ability to pay credit card bills by over charging, imposing excessive late fees, imposing increases, interfering with cash flow, imposing interest and other burdensome practice during Federal and State Quarantine and Pandemic Policy. 

Capital One has have engaged with " XXXX XXXX '' backing in methods that include withholding account information. Practice of collection and use of the legal system exceeds unfair and is being used as bludgeon to consumers, such as myself.

Tactics include : : Post carding legal litigation without Proof of Service.

Post card judgement outside of dates of litigation.

Refusal to provide account information for litigation. Refusal to send sealed account statements, not accessible via online accounts. Harassment at work.

Provision of Missing parts with files provided by USPS prior to litigation for arbitration.

Use of State Quarantine as a financial pivot for increasing consumer debt with use of Federal Interest rate prior to hike up monthly debt payment ( 17 % up to 27 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was scammed via XXXX for tickets by another XXXX user back on XX/XX/XXXX. Neither XXXX or my bank PNC has done anything about and continually deny my claim and tell me to talk to the other company. The amount was for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. The supporting documents are enclosed to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I paid this debt in full on XX/XX/year> though I am still receiving notices that it is delinquent and assigned to a debt collector. Calls to the business have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
These accounts, which I do not own, must be cleared from my file within 15 days per USC 1681g.

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
America Credit Acceptance Wrote off my debt but is still reporting this to my credit report. 

This item was wrote off on XXXX  calendar year and still is being reported today on all three credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
Creditor : XXXX Collection Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} Condition : Derogatory / Collection / Charge-Off Opened : XX/XX/year> Reported : XX/XX/year> XXXX. The Opened date is listed as XX/XX/year>, which is a future date impossible, therefore inaccurate.

2. The Reported date is XX/XX/year> also in the future. This makes the reporting factually impossible and unverifiable. 
XXXX. Because of these errors, the item violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( right to dispute and reinvestigation ).

Experian / Equifax / TransUnion Re : Formal Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am formally disputing the accuracy of the following account appearing on my credit file : Creditor : XXXX Collection Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$860.00} This item contains patently inaccurate and unverifiable information : XXXX. The account is listed as Opened on XX/XX/year> a future date that has not yet occurred.

2. It is also reported as Reported on XX/XX/year> another future date. 
XXXX. Reporting an account with impossible future dates renders the entire tradeline factually inaccurate, unverifiable, and misleading.

This violates : FCRA 607 ( b ) requiring consumer reporting agencies to follow procedures ensuring maximum possible accuracy.

FCRA 611 ( a ) giving me the right to dispute and requiring deletion or correction of unverifiable items within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not provide information they know or should know is inaccurate. 

Since this account can not be verified as accurate, I demand its immediate deletion from my credit file. If it is not deleted within the statutory XXXX reinvestigation window, you will be in violation of federal law and subject to civil liability under FCRA 616 and 617. 

Please provide me with written confirmation of the results of your reinvestigation.

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Summary of Issue : I am a single mother with an XXXX  daughter, and I financed a XXXX XXXX  XXXX through XXXX XXXX in XXXXXXXX XXXX with the loan held by Westlake Financial. I have never been late on my payments and have done my best to meet my obligations. Recently, after putting over {$1300.00} into repairs, I was informed by my mechanic that the vehicle has a blown head gasket and now requires a full engine replacement. The truck is not drivable, and I can not afford further repairs. 

Problem With Westlake Financial : I have tried repeatedly to contact Westlake Financial to discuss hardship and possible solutions. Every number leads to automated systems, and I have been unable to reach a live person despite numerous attempts. As an unemployed borrower receiving only {$330.00} per week in unemployment benefits, I am doing everything I can to handle this situation responsibly, but Westlakes refusal to provide human assistance has left me without options. 

Problem With XXXX XXXX : I believe XXXX XXXX acted unfairly in the sale of this vehicle. I was in desperate need of transportation and relied on them to provide a reliable vehicle, but shortly after purchase it became clear the vehicle had serious underlying issues. 

Impact : As a single mom supporting a child with XXXX, reliable transportation is critical for emergencies, doctor visits, and daily care. Instead, I am left with an undrivable vehicle, ongoing loan payments, and no meaningful support from either the dealership or lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mother XXXX XXXX on XX/XX/year>, and I became the legal heir and estate administrator for her property, which is currently in probate in XXXX XXXX, GA. 

On the Friday before the foreclosure date, I finally received permission from Shellpoint/NewRez to send the funds to reinstate the mortgage. This happened around XXXX XXXX, right before the XXXX XXXX holiday weekend. Because of the holiday delay and the fact that the wire was coming from my account which is not in my late mothers name the bank required extra time to verify and process the payment. 

Despite this, I immediately initiated the payment and contacted Shellpoint repeatedly over the weekend and on Tuesday morning ( the day of the auction ), begging them to wait until the wire cleared or XXXX XXXX completed the verification. My requests were ignored by Shellpoint, NewRez, and their foreclosure attorneys ( XXXX XXXX XXXX ), even though I made it clear that I had the funds available to cure the default and that the estate was active in probate. 

After the sale, I discovered that the attorney handling the foreclosure was never even informed that my mother had passed away, despite my having notified Shellpoint multiple times since her XXXX. As a result, the property was sold at auction, and I am now XXXX  and devastated. 

This feels like a predatory and unfair foreclosure, where a large mortgage company and their legal team failed to properly communicate, ignored a verified payment attempt, and rushed the sale of a property belonging to a probate estate in violation of fair servicing practices and possibly state probate and foreclosure laws.

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 2025-09-03 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: WA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-09-03 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: WA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-09-03 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: CL Holdings LLC
State: NY

Complaint narrative:
A fraudulent account was opened with XXXX using my personal information without my consent. I discovered this account on my credit report on XX/XX/year>. The account has a balance of approximately {$2400.00} from a purchase made on an unknown date. I have never been a customer of XXXX and did not authorize this account or any purchases associated with it. I have already contacted XXXX 's customer service to report the fraud. I have a strong credit history and have always paid my credit cards and other loans on time. This fraudulent account is not a reflection of my payment history.

Company response to consumer: Closed with explanation