vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing Capital Ones handling of a {$1600.00} charge from XXXX XXXX. I paid a deposit on XX/XX/year> toward a cruise with a total fare of approximately {$17000.00}. Within 24 hours, the merchant unilaterally increased the price to over {$25000.00} owing on my account for this trip, without notice or consent. This is a classic bait-and-switch tactic : I agreed to one price, but the company later demanded thousands more. 

I immediately contacted XXXX XXXX  through their official guest services email and phone line to resolve the discrepancy. They were unresponsive and provided no meaningful assistance. I then canceled the booking and never received any service or benefit from the transaction. 

I filed a dispute with Capital One, providing clear documentation including the original invoice, screenshots showing the price change, my email correspondence, and cancellation confirmation. Capital One initially sided with me but later reversed its decision, claiming insufficient documentation even though I submitted everything they requested. 

This situation constitutes non-delivery of goods/services and deceptive merchant conduct. I am requesting that the CFPB review Capital Ones handling of this dispute and require reinstatement of the {$1600.00} credit, as the transaction did not reflect the agreed terms and no service was ever received. 

Capital One Dispute Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
Okay for past year now, I have been paying off my debit with Cashapp successfully up until recently ... Their system now has a security system that doesn't trust anyone not even it's own users. I would try to send money to the bill collectors I know, and their Ai BLOCKS IT. Now today is my LAST PAYMENT I have used other providers but these last payments went through but on this LAST ONE, It will not let me send the money. I have removed previous CashApp accounts to try and bypass it but that doesn't work either. This has stressed me out to the point of me having nightmares at night because I can't pay my bills. Either get them to deactivate their Ai security, or let my payments through or HAVE CASH APP SHUT DOWN PERMANENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax Dispute Department I am writing you to dispute a collection on my credit report from Springs Oak Capital LLC, listed as a closed account with a date of XXXX and an outstanding balance of XXXX. I have no knowledge of this debt and do not believe it is mine. 

Please investigate this item under the provisions of the Fair Credit Reporting Act ( FCRA ). I request that you provide me with the following documentation to substantiate the debt. 

A copy of the original agreement or contract related to the debt. 

The name and address of the original creditor. 

Any supporting documentation proving that I am liable for this debt. 

If you are unable to verify the debt or if it is found to be inaccurate, I request that you remove this item from my credit report. 

Please provide written confirmation of your findings and actions taken. 

Thank you for you prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00}

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, This letter serves as a formal cease and desist demand under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). I am a victim of identity theft, and despite repeated disputes and requests for verification, inaccurate, incomplete, and unverified information continues to be furnished and reported under my name, causing ongoing and unlawful harm.

Pursuant to FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they knowor should knowto be inaccurate or incomplete. Yet, the creditors and agencies you oversee continue to violate this section by publishing false data that has not been substantiated.

Under FCRA 609 ( a ) ( 1 ), I have the legal right to obtain all documentation used to verify any disputed account, including signed contracts, statements, and original records. These have not been provided, despite formal requests, which further demonstrates noncompliance.

Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation when a consumer files a dispute. No such proper reinvestigation has occurred, and the repeated re-reporting of unverified accounts constitutes gross negligence under federal law.

As stated in FDCPA 809 ( b ), any debt collector must provide complete and accurate validation of debt upon request, including proof of the original contract and the chain of title. Failure to produce such documentation within a reasonable time frame means the alleged debt is not legally enforceable and must not be reported or collected.

Finally, FACTA 312 mandates that you maintain and enforce procedures to prevent the reporting of inaccurate information. The continued appearance of these fraudulent accounts demonstrates a failure of those procedures.

Therefore, I am demanding that you immediately cease and desist all reporting, re-reporting, collection, and distribution of disputed and unverified information related to my identity theft case. Continued failure to comply will result in formal complaints filed with the Federal Trade Commission ( FTC ), State Attorney General, and any other appropriate oversight agency.

I expect written confirmation within 15 days of receipt that the disputed information has been deleted or fully verified with original signed documentation. If you can not provide such verification, you are legally obligated to remove the inaccurate data immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  is inaccurately reporting the balance of my FHA-insured mortgage to the credit bureaus. The amount they report includes a HUD Partial Claim of about {$15000.00} that belongs to the U.S. Department of Housing and Urban Development ( HUD ) under FHA Case No. XXXX. This portion of the debt is a separate, non-interest-bearing subordinate lien and should not appear as part of XXXX XXXX  active loan balance. 

I requested written proof that HUD authorized XXXX XXXX  to report this subordinate lien on its behalf, but XXXX has not provided any documentation of such authorization. My XX/XX/XXXX Loan Modification Agreement as well as a previous modification agreement contains no clause permitting XXXX XXXX to report HUDs lien, yet they continue to include it in the principal balance shown on my credit reports. 

This over-reporting inflates my mortgage debt, lowers my credit score, and affects my ability to refinance or obtain a HELOC. It also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate account information. 

I am requesting that XXXX XXXX : Provide written documentation from HUD authorizing them to report the subordinate lien ; or If no authorization exists, correct their credit reporting to show only the amount owed directly to XXXX XXXX and remove the HUD Partial Claim from the reported balance ; and Confirm in writing that these updates have been sent to all consumer credit bureaus. 

I have already mailed a formal dispute letter with supporting documents, including my XX/XX/XXXX statement and the Loan Modification pages identifying HUD as the lender on the Partial Claim Note. I am filing this complaint because XXXX XXXX  has not yet corrected or substantiated their reporting. I am also sending a letter to HUD to verify the authenticity of XXXX XXXX claims.

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 2025-11-06 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: CA

Complaint narrative:
XXXX XXXX  is inaccurately reporting the balance of my FHA-insured mortgage to the credit bureaus. The amount they report includes a HUD Partial Claim of about {$15000.00} that belongs to the U.S. Department of Housing and Urban Development ( HUD ) under FHA Case No. XXXX. This portion of the debt is a separate, non-interest-bearing subordinate lien and should not appear as part of XXXX XXXX  active loan balance. 

I requested written proof that HUD authorized XXXX XXXX  to report this subordinate lien on its behalf, but XXXX has not provided any documentation of such authorization. My XX/XX/XXXX Loan Modification Agreement as well as a previous modification agreement contains no clause permitting XXXX XXXX to report HUDs lien, yet they continue to include it in the principal balance shown on my credit reports. 

This over-reporting inflates my mortgage debt, lowers my credit score, and affects my ability to refinance or obtain a HELOC. It also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate account information. 

I am requesting that XXXX XXXX : Provide written documentation from HUD authorizing them to report the subordinate lien ; or If no authorization exists, correct their credit reporting to show only the amount owed directly to XXXX XXXX  and remove the HUD Partial Claim from the reported balance ; and Confirm in writing that these updates have been sent to all consumer credit bureaus. 

I have already mailed a formal dispute letter with supporting documents, including my XX/XX/XXXX statement and the Loan Modification pages identifying HUD as the lender on the Partial Claim Note. I am filing this complaint because XXXX XXXX  has not yet corrected or substantiated their reporting. I am also sending a letter to HUD to verify the authenticity of XXXX XXXX claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX sent me a Lease Extension Agreement to extend my XXXX XXXX XXXX lease ( account ending XXXX ) for two months, through XX/XX/XXXX. I electronically signed and returned it that same day, and XXXX XXXX also countersigned, making it a binding contract. 

Afterward, I was told by multiple XXXX XXXX representatives, including a supervisor, that my request had been denied, and I had no confirmation of the extension. Acting in good faith, I returned the vehicle to a XXXX dealership on XX/XX/XXXX. 

On XX/XX/XXXX, after I had already returned my vehicle believing that XXXX XXXX would not honor the extension, XXXX XXXX sent me a letter confirming that the two-month lease extension had been processed and that the new maturity date was XX/XX/XXXX. The next day, XX/XX/XXXX, they issued a Notice of Sale of Leased Vehicle showing a {$35000.00} Gross Early Termination Amount. 

XXXX XXXX  contradictory communications caused me to return the vehicle prematurely and then assessed an early termination charge, even though the extension was valid and executed. I have disputed this charge in writing and requested that XXXX XXXX rescind the balance and ensure no negative credit reporting. As of now, the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I paid the principal and interest on XX/XX/year> and instead of posting it just kept the money and called it suspense.

Any other company when you make a payment it is posted on the date they received it. This is totally unethical in every way and has caused me to lose XXXX points on my credit report.

Experian does nothing but take the lender word when the should get the date it was actually paid in XX/XX/year> and post that date to the credit report and take the 30 day late off.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Subject : Fraudulent and Negligent Foreclosure Conducted by Mr. Cooper on Lawfully Owned Property Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Servicer : Nationstar Mortgage LLC d/b/a Mr. Cooper Parcel Information : Parcel No . : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Summary of Complaint : I am filing this complaint to report a fraudulent and negligent foreclosure conducted by Mr. Cooper on a property that I lawfully own and have never defaulted on. The foreclosure was executed on XX/XX/XXXX, and recorded in XXXX XXXX, Georgia ( Deed Book XXXX, Page XXXX ), despite the fact that I had already acquired the property via Limited Warranty Deed recorded on XX/XX/XXXX ( Deed Book XXXX, Page XXXX ). 

Mr. Cooper, acting as attorney-in-fact for XXXX XXXX XXXX XXXX , foreclosed using a deed and survey that had already been conveyed to me. The foreclosure deed includes the same ingress/egress easement and legal description as my recorded deed, indicating that the foreclosure was conducted on a parcel no longer owned by the borrower. 

I was never served with any notice of default, acceleration, or foreclosure, nor was I named in any foreclosure action. XXXX XXXX previously acknowledged title defects in XXXX XXXX ( XXXX XXXX. XXXX ), yet no corrective action was taken before the foreclosure sale. The foreclosure sale amount of {>= $1,000,000} far exceeded the original principal of {$760000.00}, raising serious concerns about equity misappropriation. 

I am now being harassed by the purported new owner seeking access to my property and easement, despite the flawed foreclosure process and unresolved title conflicts. My XXXX XXXX XXXX tax bill confirms that I am the legal owner of the property, with no delinquency or default.

-- - Relief Requested : Immediate investigation into Mr. Coopers foreclosure practices and title verification procedures.

Formal review of the foreclosure deed and its legal standing. 
Enforcement action to prevent further harassment or encroachment on my property. 
Correction of the public record to reflect lawful ownership and void the improper foreclosure. 
Any additional remedies available under RESPA, TILA, or CFPB enforcement authority.

Damages Supporting Documents : I am prepared to submit the following documents upon request : Limited Warranty Deed ( Deed Book XXXX, Page XXXX ) Foreclosure Deed ( Deed Book XXXX, Page XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX filings and survey references Thank you for your attention to this matter. I am seeking justice and protection from unlawful foreclosure actions that have disrupted my property rights and personal well-being. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation