vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
I paid XXXX XXXX XXXX in full for a collection account originally from XXXX. XXXX confirmed the balance is {$0.00} and that the account is being closed and deleted from my credit report. However, they stated this could take up to 50 days. The continued reporting of this collection is harming my ability to secure housing and transportation. I am asking that the CFPB ensure XXXX immediately removes the account from all credit bureaus as previously confirmed.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against cash app ( block inc ) due to inadequate constumer service and unfair practices which violates, the constumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effectively measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-17 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:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally express my deep frustration and disappointment regarding the mishandling of a recent fraud-related claim on my account. After filing a claim and ceasing account use, I was surprised to see a chargeback issued and funds withdrawnwithout any prior notification that my account would be closed or that funds would be taken from a joint account not solely under my control. I was revoked access to statements so I can't look for any documentation to include with my complaint.

I understand the funds were from a claim I submitted on fraudulent charges and the bank concluded that the charges were mine, which they aren't and I am looking for a lawyer for that part. I was still never informed by any means of the closed account prior or else I would have called in sooner to resolve this issue. I was only aware of the situation upon seeing funds in my joint account on hold. 

I contacted your recovery department ( XX/XX/XXXX and XXXX ) and spoke with a representative who assured me that a payment plan had been set up. She provided me with confirmation numbers and clearly stated that the funds would be returned to my account by the end of the day. I followed up with additional representatives, all of whom reaffirmed the same information. 

However, upon checking the next day ( XX/XX/XXXX ), I found that the funds had not been returnedthey had been taken out, contrary to what was clearly and repeatedly communicated to me.

This is not only a complete misrepresentation of facts but a serious failure in communication and accountability. As a customer of over 30 years, I find it unacceptable to be misled by multiple representatives, have my time wasted, and face financial consequences for a situation I was actively and responsibly addressing.

I am requesting the following : 1. Immediate return of the funds withdrawn, as they were not mine to be taken.

2. Enforcement of the payment arrangement that was agreed upon and confirmed with your staff.

3. A formal explanation of why I was misinformed by multiple representatives.

This situation has caused unnecessary stress and disruption, and I expect a prompt resolution. Please escalate this matter to the appropriate department.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The Savings Group, Inc.
State: CO

Complaint narrative:
I was on XXXX XXXX and was trying refinance my car and found RateGenuis and the lady I spoke on the phone with was XXXX XXXX, she went on to tell me she was going to speak with my original financer and she said she call me back about it and she did a hard pull on my credit and I never authorized to do a hard pull on my credit and the next day she even admitted to making that mistake. I have screenshots of this admitting that she knew she messed up. She lied about reaching out to me and came out shady and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Bank errors in billing and reporting are XXXX  my credit. Under TILA ( XXXX XXXX Code XXXX ( b ) ), creditors are required to report payments accurately, but I have identified serious issues. Payments I made were either not recorded correctly or miscalculated, and I was not given the required XXXX notice before a payment was duemaking any late marks invalid. These reporting mistakes are a violation of federal law and are unfairly affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXXs listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: AZ

Complaint narrative:
Back in XXXX my XXXX yr old dad had XXXX  and I had just started renting a unit in which I had only been living in for XXXX the few months living there my dad had XXXX  so I stayed with my dad until he was better from the XXXX.at the time I thought why not just move in with my dad so if this ever happens again I would be there with XXXX the time my dad was living alone and I was explained by the unit XXXX that if a lease needed to be broken XXXX of the exceptions would be to care for an elderly and my contract would be cut and forgivenagain I had only been there XXXX months.i called the property XXXX because the unit XXXX had quit suddenly and there wasnt a XXXX on the property to speak to and I explained my situation at first XXXX was XXXX but when I explained I wanted to break my lease to care for my dad she became XXXX tried to tell me I couldnt break my lease and if I did Id have to pay for the months of the contract I explained to her what was explained to me about the certain XXXX  and she said it was not a valid XXXX  and that I would be receiving a bill of what I owe .. a few days later I was sent a bill of XXXX I called XXXX to set XXXX a {$50.00} payment plan and again she was XXXX  and told me Id be paying on that bill forever if I did XXXX a month and denied it I explained to her I had received my bill for XXXX and that I thought XXXX a month was reasonable she then corrected me and said that was the wrong bill and that XXXX owed XXXX that I was given XX/XX/XXXX hrs to have my items removed then hung upfirst of all when I moved in, there was no fire alarm installed until weeks later then I started to see XXXX  which I had called the property XXXX about because again no unit XXXX on site to ask to have my unit sprayed which it wasnt until weeks later and when I came from caring for my dad there were XXXX  everywhere.which she tried to say I must have not closed the sliding glass door right and XXXX  were in the unit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Years ago my identity has been compromised since i lost all of my personal documents in XXXX. I had reporting to many accounts opened under my name without my knowledge or authorization and it's affecting my credit history. i attach a police report to confirm my complaint because i have many years disputing these issue directly with the credit agency to clarify this problem but i have not received any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
To Whom It XXXX Concern, I am writing in regard to a notice I received indicating that my account is being reported as a Closed Account No More Than XXXX Late Payments XXXX  as of XX/XX/year>. 

I would like to clarify the timeline of events related to the servicing transition and request a correction to the XXXX  report : On XX/XX/year>, I received a notice informing me that my mortgage servicing was being transferred to XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, I attempted to set up an account with XXXX but was unable to do so, as the account had not yet been fully established or transferred. 

On XX/XX/XXXX, I attempted to make a payment via the XXXX website, but the platform was no longer active. 

On XX/XX/XXXX, I made a payment using XXXX phone payment system. 

On XX/XX/XXXX, I received a call from XXXX informing me that the payment to XXXX had not been processed due to the transition occurring at the end of XXXX. I subsequently made the payment directly to XXXX. 

Given this timeline and the confusion caused by the servicing transfer, I respectfully request that the XXXX  be removed from my account, as I made every good-faith effort to submit my payment on time despite the transition-related obstacles. 

Thank you for your attention to this matter. Please confirm receipt of this request and let me know if any additional documentation is needed. 

Sincerely,

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding an account they are reporting on my credit file. I have no knowledge of this debt and have not received proper validation. I formally requested a debt validation letter from XXXX XXXX XXXX  under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and they have failed to provide the legally required documentation. Until the debt is properly validated, reporting it to any credit reporting agency violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. I am requesting that the CFPB investigate this matter, hold XXXX  XXXX  XXXX  accountable, and ensure that any unvalidated debt is removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
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 : Account Name : XXXX # XXXX - Date Opened XX/XX/year>

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 2025-06-17 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: TX

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple disputes to Equifax regarding unverified and false account statuses reported by furnishers such as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Texas. These tradelines included charge-offs and derogatory marks that were never validated and were continued despite formal affidavits, IRS disclosure XXXX, and FOIA-level notices XXXX 

Equifax dishonored these filings by issuing responses such as verified as reported without any XXXX XXXX, XXXX-XXXX  reinvestigation, or XXXX validation. No lawful evidence was provided. I requested XXXX documents, verification of investigation processes, and deletion of unverifiable accounts, and received no reply. 

This violates multiple federal statutes including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX Sections XXXX and XXXX, which mandate fair investigation and prohibit deceptive practices. 

My credit report remains materially XXXX. Affidavits, IRS Form XXXX summaries, commercial invoice XXXX, and a Final Notice of Default have been served and remain unrebutted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I emailed XXXX XXXX requesting validation of the debt they are attempting to collect and that is being reported on my credit report. While they responded via email acknowledging my request and stated that they report this account to the credit bureaus on a weekly basis, they have not provided any proper validation or documentation to prove that this debt is valid or that I am responsible for it. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are required to provide proper validation of debts upon request. XXXX  XXXX  failure to provide such validation, while continuing to report the debt, violates my rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this debt be removed from my credit reports until proper validation is provided, and that this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports XXXX  XXXX  my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
I have called the agencies to get a full breakdown of the accuracy of the information and report never received it I did this multiple times in the last XXXX years and nothings changed

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 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: KY

Complaint narrative:
Subject : Urgent Request for Clarification on Payment Discrepancy and Unauthorized XXXX Charge To Whom It XXXX Concern, My name is XXXX XXXX, and I recently purchased a vehicle through XXXX  XXXX, with financing arranged through XXXX XXXX. I am writing to address several serious concerns regarding discrepancies in my payment agreement and the unauthorized addition of a XXXX service. 

XXXX. Payment Discrepancy There is a conflicting difference between what was provided by the bank and the dealership : According to XXXX XXXX, my first payment is {$720.00}, due on XX/XX/year>. 
According to the dealership ( XXXX XXXX ), the first payment is {$730.00}, due on XX/XX/year>. 
This inconsistency creates confusion and risk of being penalized due to conflicting due dates and amounts. I am requesting immediate clarification on which terms are accurate and binding. 

XXXX. XXXX XXXX Added Without Consent I clearly stated that I did not want XXXX added, as my XXXX already includes a factory security system. Despite this, the XXXX service was added to my agreement without my approval. 

Furthermore : I was never given an explanation or demonstration of how the XXXX system works. 
When I asked the dealership to show me a full breakdown of the contract pricing, I was told they were unable to show me the full contract at that time. 
I was asked to sign documents without reviewing the final contract in full. The contract was only shown to me after all paperwork had already been signed. 
These actions are concerning and do not align with transparent or ethical business practices. I am requesting the removal of the XXXX charge from my agreement, or a full refund if it has already been applied. 

XXXX Requested : Written clarification on the accurate due date and payment amount. 
XXXX review and resolution of the unauthorized XXXX charge. 
A complete and itemized copy of my final signed contract. 
I would appreciate a prompt and professional response to these concerns.

Company response to consumer: Closed with explanation