vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-18 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: MI

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: KY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. These accounts are inaccurate and/or incomplete, and I request that they be investigated, corrected, or removed from my credit report according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by bureau. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} UNAUTHORIZED COLLECTION, XXXX, XX/XX/XXXX, {$170.00} UNAUTHORIZED COLLECTION, XXXX, XX/XX/XXXX, {$510.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings
State: FL

Complaint narrative:
I am writing to formally address an inaccurate reporting issue concerning my credit report. A bankruptcy that was discharged in XX/XX/2025 has erroneously been reported back on my credit report on XX/XX/2025, indicating that it needs to be collected. 

This reporting is both inaccurate and misleading, as the bankruptcy discharge has rendered this information obsolete. Additionally, this reporting appears to be a violation of the bankruptcy discharge injunction, as well as a potential violation of fair credit reporting act ( FCRA ). 

I kindly request that you investigate this matter and update my credit records to reflect the correct status.it is important for my credit history to be accurate, and I would appreciate your prompt attention to this issue. 

Thank you for addressing this matter quickly. I look forward to your confirmation that my records will be corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
XXXX XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report Number:XXXX XXXXXXXX Date ( XX/XX/year> ) XXXX Collections accounts : ( accounts not properly 100 % verified ) XXXX  XXXX XXXX XXXX  Acc.Num : XXXX balance : {$12000.00} XXXX Capital XXXX : XXXX balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX balance : {$610.00} XXXX XXXX : Acc.Num : XXXX XXXX : {$3100.00} -Oliphant XXXX XXXX : XXXX balance XXXX {$10000.00} -XXXX XXXX : XXXX balance : {$850.00} -XXXX  XXXX : Acc.Num : XXXX  balance : {$140.00} XXXX submitted investigations through dispute letters to the XXXX main credit reporting agencies : XXXX Experian XXXX TransUnion - Equifax regarding certain accounts appearing on my credit report as being in collection. I requested that these accounts be properly investigated and 100 % verified within a period of no more than 30 days ; otherwise, they should be completely and immediately removed. I also requested that they send me proof of the investigation 's conclusion. Unfortunately, this has not happened on repeated occasions. I have not received a single piece of evidence or supporting document to corroborate their responses, which always state that they did investigate and that all the information appears to be correct. I am certain this is not the case because I sent letters to the collection agencies, and I have proof of this, and I have not received a response from them within the legally mandated timeframe of more than 21 days, along with the supporting evidence I requested to validate this supposed debt in my name. So how is it possible that this credit reporting agency can assert its decision regarding my disputes without any supporting evidence? I have demanded in repeated rounds of disputes that they send me the documents that actually prove these investigations. They have been violating consumer protection laws for months without any apparent fear of consequences.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Block , Inc. and its Cash App platform for closing my account without explanation and considerably help with the receipt of my federal tax refund. 

On or around XXXX, my Cash App account was abruptly closed without prior notice or a meaningful explanation. Cash App provided only vague, automated responses stating that the decision was final and could not be appealed, without identifying any specific policy violation or providing a transparent reason why the opportunity to dispute the action wouldnt help, and still until this day my account is restricted and data collection is blocked. 

At the time of this account closure, I was expecting a federal tax refund that was filed using services associated with the IRS, and directed to an account or financial channel controlled by XXXX XXXX XXXX XXXX Following the account closure, my tax refund has not been received, and I have been unable to obtain clear information regarding whether the refund was rejected, held, or otherwise intercepted as a result of the account termination.

Block, Inc. controls the Cash App account, and the account closure appears to might have something to do with my ability to receive my federal tax refund. Despite multiple attempts to obtain clarification, I have not been provided : Confirmation of whether the refund was received by Block , Inc . 
Information on whether the funds were returned to the IRS An explanation of how my personal data is being used to restrict access to financial services A transparent explanation of the closure of my account This situation has caused critical financial hardship and raises serious concerns regarding unfair account termination practices, lack of transparency, and improper handling of consumer funds. 

I respectfully request that the CFPB review this matter and assist in obtaining : 1. A clear explanation for the Cash App account closure 2. Disclosure of whether Block , Inc. received, rejected, or is holding my tax refund 3. Confirmation of where the refund is currently located 4. Prompt release or redirection of my refund if no legal or regulatory issue exists 5. Clarification regarding the use and retention of my personal data 6. Information and helpful advice to hardship assistance or support in this matter Thank you for your time and assistance. Please let me know if any additional documentation is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I walked into 5/3 bank intending to open a bank account with my work checks I just received from my employer. They opened the account and deposited my checks but then immediately closed the account and locked me out. They said I was denied from the XXXX XXXX report. Thats fine. The issue is they will not release my funds I deposited into the account they have withdrawn them from the bank account of my employer and have said they are going to call an verify with them. Its been two weeks and they have yet to call and yet to reach out. They have lied and said they left voicemails this is not true. I called and they refused to tell me a day or time they would be calling my employer and at this point they are purposefully holding my funds so they can just issue me a check in 30 days I assume. This is my Rent money they are holding hostage. I walked right into another bank and had no issue like this even with my XXXX  report having a ding on it. They refuse to tell me any information other than a phone number that got me no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NM

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Whats on file doesnt reflect my real financial habits. Im requesting a review and any adjustments needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
These accounts were not opened by me, nor did I authorize them. Please look into this and clear them from my file. Proof is included.

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 2025-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
My mortgage was refinanced and my first payment was due in XX/XX/year> in the amount of {$680.00}. I made my XX/XX/year> payment to the original servicer. Subsequent payments of {$680.00} were made to the original servicer on XX/XX/year> and XX/XX/year>. 

In XX/XX/year>, my loan was transferred to a new servicer. During this transition, the payment application became inaccurate. On XX/XX/year>, the account reflects a lender-paid adjustment of {$680.00}. On the same date, a separate transaction for {$680.00} was placed into unapplied funds rather than being applied to the next due installment. 

On XX/XX/year>, I made a payment of {$680.00} to the new servicer. This payment was reversed on XX/XX/year>, then reposted on XX/XX/year>. Despite being reposted, the servicer continues to treat this payment as not properly applied, contributing to an inaccurate past-due status. 

On XX/XX/year>, I made three separate payments of {$680.00} each. On XX/XX/year>, I made an additional payment of {$680.00}. In total, I have made or been credited for nine full monthly payments of {$680.00} since my first payment came due. 

Despite these payments, the servicers records reflect misapplied payments, unapplied/suspense funds, and an incorrect paid-through date. Any appearance of delinquency is the result of servicing errors, reversals, and failure to apply payments sequentially, not missed payments. 

On XX/XX/year>, I submitted a written Notice of Error and request for a full payment reconciliation. The servicer acknowledged receipt of this request but failed to provide the required written response or reconciliation within the required timeframe. An escalation manager later confirmed that the request was acknowledged but never fulfilled. 

I am requesting a full written payment history and reconciliation from XX/XX/year> to present, correct application of all payments in chronological order, correction of the paid-through date, removal of any late fees or delinquency reporting caused by servicing errors, and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX, I was not able to make my student loan payment on time due to starting a new job. I had never missed or been late on a payment before. I scheduled a late payment to be made through XXXX XXXX  collections to Firstmark Servicing on XX/XX/XXXX. It was a virtual check that I authorized to be withdrawn from my bank account for {$390.00}. It was withdrawn on XX/XX/XXXX, called XXXX XXXX XXXXXXXX, and applied to my Firstmark account.

Firstmark services continued to call me and state that a payment was not scheduled, even though a payment had been scheduled through XXXX XXXX XXXXollections. So I scheduled another payment to be made with Firstmark over the phone. On XX/XX/XXXX, another payment of XXXX was withdrawn from my account. Firstmark servicing said they lost/never received this payment. I sent in a digital front/back copy of the check, bank statements, and a trace ID number for the second payment made over the phone. Firstmark servicing took until the end of XXXX to correct my account and apply the {$390.00} payment they lost. I was told by a loan representative that the payment was applied to the wrong account. At the end of XXXX, my account was updated to show I had made both payments of XXXX on time, and the late fees that had accrued were fixed, and that money was applied to my account. 

Yesterday, XX/XX/XXXX, I got a call from Firstmark saying my account was past due again ( even though I paid both XXXX and XXXX ). Firstmark revoked and removed the payment of XXXX they had lost, but then found and correctly applied it to my account in XXXX. 

I called Firstmark serving XX/XX/XXXX and XXXX and was told my payment from XX/XX/XXXX was lost ( again ). Even though it was already applied to my account. They revoked the payment. I have not gotten any answers from Firstmark Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Yamaha Motor Finance Corporation USA
State: NJ

Complaint narrative:
Yamaha Motor Finance Corporation, Company XXXX ID XXXX & XXXX. 

I have an installment loan for a purchase of a XXXX XXXX. I set up an online account to receive paperless statements. I have not received any Statements since XXXX of XXXX. The online pay system is also not working and I have to call to make monthly payments. Although there is a " History '' tab which shows the payments made I have no way of seeing how the payments are applied. Further, whenever I call to tell Yamaha their system is not working, they say they are " working '' on the system and can not provide paper Statements. I am in the dark ( as I am sure others are also ) as to how payments are being applied, balance etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am filing this complaint against Equifax because Equifax is reporting a fraudulent collection account on my consumer report that resulted from identity theft and was not opened, authorized, or consented to by me. 

I have a valid FTC Identity Theft Report ( IdentityTheft.gov ), Report No. XXXX, dated XX/XX/year>. 
The specific item I am disputing is the following fraudulent collection tradeline being reported by Equifax : XXXX XXXX XXXX Account XXXX - XX/XX/year> - balance {$2400.00} This account is not mine. There is no lawful basis or permissible purpose for it to be included in my consumer report under FCRA 604 ( 15 U.S.C. 1681b ).

I submitted a formal dispute and request to block this identity-theft information under FCRA 605B
( 15 U.S.C. 1681c-2 ). Under this law, once a consumer provides the required identity-theft documentation, a consumer reporting agency must block the identity-theft information ( generally within four business days ). 
Despite this, Equifax has continued to report the fraudulent collection. This inaccurate reporting is causing ongoing harm ( credit denials, higher costs, and damage to my credit standing ).

Company response to consumer: Closed with non-monetary relief