vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
I regularly check my credit report because my credit score is important to me, and I keep seeing inaccurate and false information that should not be there. This has been a recurring issue that has never been resolved, no matter how many times I bring it up. It is extremely stressful and exhausting, and it continues to negatively and unfairly affect both my life and my credit score.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I writing this complaint against the collection company XXXX XXXX XXXX. I have a settlement agreement on a credit card with Citibank XXXX. XXXX XXXX. My entire spine collapsed while try yo pay me bills. I was represented by the XXXX lawfirm. The original balance of the debt was {$6500.00}. My attorneys at XXXX got the debt reduced to around {$5300.00}. I pay {$220.00} a month. My payment plan started on XX/XX/year>. I have always paid om time. I told the debt collectors. That I was in an automobile accident on XXXX. The checking account used to make my payments was compromised. XXXX of the payments came back on XX/XX/year>. My attormey at the XXXX firms assistant XXXX XXXX told me to contact Me. XXXX XXXX. I received a call from XXXX XXXX and have explained. My situation. I authorized on a recorded call on XX/XX/year> with XXXX XXXX agreed my payment of {$440.00} to come out of my checking account on XX/XX/year>. They purposely out the check authorization ahead if time on XX/XX/year> to try to get me illegally on a default of my payment plan. I agreed for the check to come out on XX/XX/year>. This collection company is fraudulent. Please listen to the recorded call on XX/XX/year>. I had with XXXX XXXX. This company has fraudulent collection practices.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX at around XXXXXXXX XXXX, my cash app account was hacked by either social engineering groups or individuals unknown to me. The entirety of my account, including the borrow features of cashapp and Afterpay, were also drained and loans taken out in the name of my account. I am still unsure how this process happened, but it all took place in a matter of minutes. I was working and had very little means of contacting as I work with humans all day. Once I could, I called, texted and emailed cashapp as much as I could and immediately disputed the fraudulent activity. By approximately a week later my funds had been refunded to my account. However, the account has been so damaged and means of withdrawing compromised, I have thus been unable to withdrawal any of my money since being refunded. I have reached out to various cashapp staff and supervisors almost every day since this happened. It is XXXX $ that still sits in my closed account and it is everything I have to live on. I have tried various cards to withdraw and since most of the staff are bots, XXXX given the same answers over and over. While I tried to add a new debit card to the cashapp acct to withdraw funds to, it wont allow me. It says I need to use the card initially connected, but each time I try, its kicked back and I am unable to withdraw. They keep telling me that its as easy as connecting my original card to the acct for my money to be withdrawn ; it is far from that and every day Ive tried multiple times the original card ( my XXXX XXXX card ) to no avail. 
It seems no one is able to help nor cares that I worked XXXX weeks for that money and am unable to withdraw it. I am at my wits end and behind on bills. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
My vehicle was repossessed improperly by Veros Credit, and they are refusing to communicate, provide supervisor access, or address damage caused to my truck while in their or their agents possession. 

On Friday ( XX/XX/year> ), a Veros representative named XXXX told me my truck would not be transported if I made a payment on Monday morning ( XX/XX/year> ). I relied on this agreement. However, when I called the repossession lot Monday morning, I was told the truck had already been transported, and Veros refused to tell me where it was.

Today I emailed Veros at XXXXXXXX XXXX and received no response. I also called multiple times, and the representatives refused to transfer me to a supervisor and only said the complaint department takes XXXX days to reply. I am being denied access to anyone with authority who can help resolve this. 

After retrieving my truck, I discovered new damage and mechanical issues that were not present before repossession, including a malfunctioning backup camera and a loud fan that continues running after the vehicle is turned off. These problems started immediately after the repossession and transport. 

I am requesting CFPB assistance to : XXXX. Have Veros explain their actions, XXXX. Provide the location details and documentation related to the repossession/transport, XXXX. Take responsibility for the vehicle damage, and XXXX. Correct their failure to respond or provide supervisory support. 

Veros account number : XXXX My contact information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
I was a victim of identity theft and a lot of account were created in my name without any knowledge. As the collection agencies called I asked for a letter in which they stated I owed and no documents were provided. I also submitted documentation to all 3 credit bureaus stating I was a victim along with a police report and nothing was resolved o only got more agencies to call and law firms to sue me for debt I have no knowledge about. I get numerous calls a day about this debt submitted a police report to the agencies and nothing again was resolved. I did what i was asked to do and now its becoming frustrating. Im being sued for {$5900.00} from a finance company and previously {$3300.00} from another company with other agencies for other debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover closed my credit card account without providing proper notice. I never received any communication from Discover through their normal channels. There was no message in my Discover secure inbox, no letter sent to me, and no email from a Discover domain. 

The only message I received came from Equifax XXXX XXXX through an XXXX email address. It went to my spam folder. Since any individual can send documents through XXXX, it looked exactly like a scam. It asked for tax transcripts and Social Security XXXX, which made it even more suspicious. There was no way for me to know it was a legitimate request connected to my Discover account. 

I later learned that Discover attempted XXXX phone calls, but they never reached me because my XXXX blocked them as spam. I did not receive a voicemail or text message. As a result, I had no real opportunity to comply before my account was closed. I did not ignore Discover. I simply never received valid or trustworthy notice. 

Despite this, Discover closed my account and reported it as closed by the creditor. This has now negatively affected my credit profile. The entire situation happened because Discover relied on a third-party email that was not identifiable as legitimate and did not provide any official communication through their own secure channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
Timeline of events : The issue has persisted over the entire current semester. 

I contacted Mohela multiple times to ensure my deferment was applied correctly. 

A ticket was opened approximately 30 days ago, but there has been no resolution. 

I have spent over XXXX hours on the phone with Mohela representatives trying to resolve this. 

I spoke with a supervisor, but the call was disconnected and I was not called back. 

I am enrolled at least half-time at my university, which qualifies me for in-school deferment. 

Actions taken : Contacted Mohela repeatedly by phone. 

Ticket created to correct the interest accrual issue. 

Followed up on the ticket, but interest is still accruing on subsidized loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I went to apply for a home equity loan at XXXX XXXX XXXX XXXX and they fl agged a defaulted credit card account that was on my credit report. TheCredit card issuer, XXXX XXXX charged off the account and sold the account to another lender, that being Midland Credit Management. I don't recognize either lender and have never done business either lender. I have also never been late on a lenders payment and have alway had an excellent credit score. I was notified by the loan officer that my credit score had dropped enough to allow for a higher interest rate due to this fraud. I sent a debt verification request to Midland Credit Management via certified mail to inquire about what information they have on this debt and to have them notify the credit agencies that this debt is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX Date : XX/XX/XXXX EXPERIAN Experian P.O. XXXX XXXX XXXX, TX, XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the XXXX requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my XXXX XXXX. 





I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and XXXX from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
XXXX  noticed multiple inaccurate accounts reporting to 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Request for Deletion/Correction Under 15 U.S.C. 1681i ( a ) ( 5 ) Report Date XXXX XXXX  File/Reference Number : To Whom It May Concern : I am formally disputing the accuracy of the following information that appears on my credit report : Creditor/Agency Name XXXX XXXXXXXX XXXX XXXXXXXX Account/Case Number XXXX XXXX Reported Amount/Status : XXXX This information is inaccurate, incomplete, and can not be verified, and therefore violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Block, Inc.
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX we went to dinner for my boyfriends birthday. I only used my card at dinner time no where else. 
Once we were home I noticed charged XXXX charges and several attempts on my accounted that didnt go through due to not having money on the account. 
I immediately called my bank Cashapp and told them the situation. The rep said I am noting it but I need you to report your debit card stolen so I did. She also said to start a dispute and between that and her notes my money would be given back. I got an email back saying it was denied. I called again and they said I could appeal and they would send me their findings in writing as to how they determined I authorized or did the transaction myself by today. I didnt get that. 
I was a victim of card theft. About XXXX XXXXXXXX Cashapp improperly denied my appeal and dispute process. 
I would like a human review and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} Legal Basis : 1.15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with explanation