vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TN

Complaint narrative:
To whom it XXXX concern, I am disputing a medical collection reported by Grant Mercantile Agency. 

This debt first appeared on my credit report after a hospital visit ( not an ER or ambulance ). I contacted the hospital and my insurance company, and neither had any record of this debt or any way to resolve it. 

I began disputing this debt over XXXX years ago. Since then, I have emailed, faxed, called, and even reached out directly to the XXXX of XXXX XXXX XXXX XXXX, who looked at my profile, and read my message to him where I asked to pay it seeing what would happen. 

I have never received a response. The phone does not work, and all requests for information have bounced or gone unanswered. I wrote to all XXXX bureaus, and still they maintain the debt is mine. 

I have received mail from the agency itself, saying the debt was paid. This was also a scam, and if you read about them, you will find that I am not the only XXXX with this issue. I have faxed them to have it returned. The agency appears to have no employees or working contact methods. 

At XXXX point, I even attempted to pay the debt simply to make it go away, but it was impossible no one at XXXX XXXX responded, and no payment channels exist. Despite this, XXXX  continues to report the account as verified and it continues to accrue interest. XXXX  has since marked the account closed, but XXXX still lists it. 

This is unverifiable and inaccurate debt. XXXX XXXX does not provide any documentation, communication, or means of resolution, yet XXXX  continues to report it. Under the FCRA, unverifiable debt should be removed. If it was meant to be medical, it was not classified as such, and it continues to accrue interest. 

I am requesting that this collection immediately be deleted from my credit report, as it can not be validated by the furnisher and should not continue to harm my credit. 

I have gotten several communications saying that it had been XXXX XXXX and congratulations emails from both XXXX XXXX random email addresses of jumbled letters and numbers, and the bureaus. I've been told that it has fallen off my credit report, but with that said it still appears to be a debt after digging further into XXXX  and XXXX. 

I am in sales and have access to data for a living - there is NO one that works at XXXX XXXX. The information does not make sense, nor is it accurate. There is no information, and it is impossible to pay or remove. 

Please assist me in this matter. I have confirmation numbers and comms saying it was removed, closed, etc. plus the screenshot of the XXXX  looking at and ignoring my messages. 

Please help me get this off my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NM

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX Dates XX/XX/year> to XXXX 2024. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA XXXX, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, ExperianXXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Case XXXX  XXXX Date of Transaction : XX/XX/XXXX Amount money : {$130.00} I sent {$130.00} to my daughters cash app account XXXX XXXXXXXX contingent upon the fact that she would send the money right back. When she attempted to send the money back Cash app blocked her account immediately. She tried to refund the money back to me but it blocked her. We called Cash app and was told her account is XXXX so the {$130.00} will return back to the sender which is me. I have not received it as of yet. I tried to request a refund but when I did, I received this message this refund could not be processed, please contact customer service for more information. I have contacted customer services XXXX  times through the app on XX/XX/XXXX and XX/XX/XXXX and XXXX  times over the phone on the following dates listed below. 
XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX pm XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX PM XX/XX/XXXX XXXX PM Each time I contact customer service I receive the following messages XXXX messages : XXXX. Your payment is under review to check that it meets our Terms of XXXX. You can track the status of this payment in XXXX. You will receive an email within XXXX business days requesting more information about this payment. 

XXXX. Cash App has a policy to comply with XXXX laws regarding economic sanctions. Engaging in transactions that involve jurisdictions or groups sanctioned by the United States, or engaging in any other activity that violates XXXX sanctions is prohibited under Cash App 's XXXX XXXX XXXX XXXX. 
XXXX hours have now turned into XXXX  days and I still have not received my money. The money never showed up in my daughters cash app account. 

Mom in law sent XXXX for her offering for church on XX/XX/XXXX I tried to withdraw it and immediately I received a message stating {$58.00} transfer to bank has failed. We noticed suspicious activity and have suspended your account as a precaution. Please contact support to access your account. I called customer service on next day XX/XX/XXXX and spoke with XXXX and he told me my appeal for {$130.00} has been denied and {$60.00} is under review. Thats all they could tell me. I tried to withdraw {$60.00} again today and its not allowing me to. I am demanding my {$130.00} to be sent back to me and release of {$60.00} to me immediately. 

Case XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I discovered a fraudulent XXXX XXXX XXXX account ( ending in XXXX  ) being reported under my credit file. This account does not belong to me and is the result of identity theft. 

On multiple occasions, I submitted disputes to Innovis and provided supporting documentation, including an FTC Identity Theft Affidavit, a police report, and prior dispute letters. I also specifically requested verification and documentation of the account ( such as an application, signed contract, or payment records ). 

Despite these actions, the account has not been permanently deleted or blocked as required under the Fair Credit Reporting Act ( FCRA XXXX ). The company has failed to provide proper verification or documentation proving that the account is valid and belongs to me. 

This has caused ongoing harm, as the fraudulent account remains on my file and XXXX continue to reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made arrangements to pay off both credit cards once I received additional funding. Capital One promised that they would take off the interest on both credit cards, and promised that they will not close my credit cards. 
When I viewed the account at a later time, both credit cards were closed, and paid off by Capital One XXXX XXXX XXXX, Capital One XXXX XXXX XXXX XXXX. 
for XXXX XXXX and Capital One XXXX XXXX XXXX XXXXXXXX XXXX for XXXX securities. 
There was no communication with me about closing out my account. The only communication was an agreement to pay them in full, when I received another payment. 

Card ( XXXX ) XXXX Card ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: CA

Complaint narrative:
, I discovered that a business account with Servicing Solutions had been fraudulently opened and reported under my identity. I did not authorize the creation of this account, nor did I give permission for anyone else to open it on behalf of my business. 

The account shows unauthorized activity beginning in early XX/XX/year> and is now reported as charged off. I did not apply for this account, nor am I responsible for any balances or transactions associated with it. I became aware of the matter after receiving notice of delinquency and charge-off status from Servicing Solutions .

Upon discovery, I immediately contacted Servicing Solutions to dispute the account and to notify them that this was the result of identity theft. I also placed a fraud alert with the credit bureaus to protect my profile and filed this Identity Theft Report with the FTC to create a formal record of the fraudulent activity. 

This business account was opened and charged off without my knowledge or consent. I request that Servicing Solutions remove any fraudulent records or negative information related to this account and confirm that I am not held responsible for the associated activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX and I had a loan with Westlake financial for a XXXX XXXX XXXX ( XXXX ) .I resided at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I missed one payment and they came to repossess my truck when a payment arrangement had been made. They broke the steering column in the process of repossession and I had to fix the car before even leaving the place that held the car. They wouldnt return my car tag which is illegal so I had to file a police report. I feel as though due to the fact that I was at the end of paying the car off they repossessed it and charged me an arm and leg to get it back thinking I couldnt get it back. It was hard being a single mom of XXXX but I also couldnt afford not to have it back. I just want the repossession removed from the report because its false when an arrangement was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Financial is refusing to provide required documentation related to two payment extensions on my auto loan ( granted on XX/XX/XXXX and XX/XX/year> ). 

Despite multiple written requests ( most recently XX/XX/year> ), Ally has not provided the extension letters. Instead, they continue to send irrelevant documents ( loan contract copies, generic payment histories ) that do not satisfy the request. 

Allys own representative XXXX XXXX, XX/XX/year> ) confirmed these extensions exist and that documentation was mailed, yet Ally refuses to resend or otherwise provide them. My Ally Auto account dashboard falsely shows no extensions, creating a direct conflict with their internal records. 

Why This Matters : Without these documents, I can not prove that Allys late-payment reporting is false. 

Ally continues to report derogatory marks to the credit bureaus for months they themselves extended, severely harming my credit rating. 

This harm has already prevented me from securing business financing, creating measurable financial loss. 

Allys refusal to provide this documentation appears to be a deliberate stall tactic. It undermines my ability to lawfully dispute inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 
Relief Requested : Compel Ally Financial to immediately produce full copies of the XX/XX/XXXX and XX/XX/year> extension agreements, either via secure message or mail. 

Compel Ally Financial to correct my auto loan payment history so that the months covered by extensions reflect on time status, not delinquent. 

Compel Ally Financial to confirm that late fees assessed during those extension months are reversed, as those charges are invalid. 

Note : This issue is distinct from, but connected to, my earlier complaint ( ID XXXX ). That complaint addresses the inaccurate reporting itself. This complaint specifically addresses Allys repeated failure to provide the documentation necessary to support my disputes and correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Re : Notice of Dispute Fair Credit Reporting Act ( 15 U.S.C. 1681i ) To Whom It May Concern, I am disputing the accuracy of the following information on my Equifax credit report : Creditor/Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Not my account Under 15 U.S.C. 1681i, please investigate, verify, and remove or correct any item that is inaccurate, incomplete, or can not be verified. 
Please provide me with the results of your reinvestigation within 30 days. 
Sincerely, [ Your Signature ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am filing a complaint under Title III of the Americans with Disabilities Act ( ADA ). 

On XX/XX/year>, at approximately XXXXXXXX XXXX, I visited Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to obtain a cashiers check for {$750.00} to pay my rent. I was present in person with my valid identification. Due to recent XXXX XXXX  on XX/XX/year>, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am unable to physically sign my name. 

Prior to my visit, I gave my mother, consent to complete and sign my withdrawal slip on my behalf. She acted only as my hand to write what I could not. I retained full control of the transaction, and I was present with my ID to verify my identity. 

When I presented my completed withdrawal slip to the branch manager, she snatched it from my hand without my consent, crumpled it, and rewrote one herself. I repeatedly explained my XXXX, showed my XXXX XXXX, and informed her that I had authorized my mother to sign for me. Despite this, the branch manager told me I should use my left hand and sign as best as I could and then refused to process my transaction. 

This interaction was not only humiliating but also discriminatory. The manager ignored my visible XXXX, denied me a reasonable accommodation, treated me aggressively, and made me feel as though I were attempting fraud. Her conduct caused me significant distress, delayed my ability to pay my rent, and even forced me to postpone taking my XXXX XXXX XXXX while I attempted to resolve the matter. 

I previously filed a complaint directly with Huntington Bank ( XXXX XXXX. XXXX ) and was informed by corporate representatives that the branch managers conduct was inappropriate. 

I believe this incident violates Title III of the ADA, which requires public accommodations, including banks, to make reasonable modifications to policies and procedures to ensure access for individuals with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I signed up for Affirm in XXXX when they heavily marketed their loans as Buy Now, Pay Later financing that would not affect or be reported to credit bureaus. This was a major reason I chose Affirm. 

In XX/XX/XXXX, I used Affirm for a purchase. Affirm later reported a 31-day late payment on this account to XXXX XXXX XXXX  This reporting has caused significant harm to my credit. 

The problems are : 1. Affirm changed their reporting practice without clear and prominent disclosure to existing customers like me.

2. Affirms mobile app experienced a glitch with payment processing. I attempted to pay on time, but the system pushed my account into late status.

3. This contradicts the way Affirm originally marketed their product when I signed up.

Requested Resolution : Delete the late payment from my credit history across all bureaus.

Provide clear disclosure of when Affirm began reporting loans to credit bureaus.

This situation represents misleading marketing and inaccurate credit reporting, which has created consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
On XX/XX/year> I was newly insured by XXXX XXXX and had a car accident around a month after being insured by this company. My vehicle was totaled and they gave me what the vehicle was worth in a check but I was under accident forgiveness and this was my first accident in my entire life but they put me at fault for hitting a tree to avoid a deer. The problem started there but they put me bigger issue was that I dropped XXXX right after the accident and nothing was owed but then I get sent a bill of a large amount saying I owed them. I dont owe this company anything and all my life I have been a safe driver only to be treated with dishonesty by XXXX. They really dont have accident forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: 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