vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the accounts that I am disputing, separated by credit bureau. I request that these accounts be thoroughly investigated and the necessary corrections be made. Please review the following details : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$21000.00} LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-22 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-22 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

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 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo issued a provisional credit of {$120.00} related to a pending debit-card claim and later reversed the credit. I became aware of the reversal only after funds were removed from my checking account. 

At the time of the reversal, I did not receive contemporaneous written notice explaining the determination, the basis for the decision, or information about my right to request supporting documentation. 

When I contacted Wells Fargo, the matter was escalated to a supervisor who confirmed that the claims department was unavailable over the weekend and that no interim or corrective action could be taken until the next business day. 

As a result of the sudden reversal and lack of access to claims support, I experienced immediate financial hardship, including inability to purchase groceries and obtain necessary medication. 

I attempted to resolve this matter directly, including written communication, but was unable to access a secure channel to do so. I am requesting CFPB review of Wells Fargos handling of this matter, including compliance with Regulation E notice and dispute-handling requirements, and a fair resolution addressing the harm caused.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

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 2025-12-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I had 3 repossessions from America 's car Mart I was homeless 2 times and 1 time I had a problem with my car they they exchanged it but gave me a repo and has destroyed my credit. In XXXX and XXXX I was homeless and lost everything I had and was close to death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I made a balance transfer on my capital one credit card of the amount of {$1500.00}. The mount were never transfer to the supposed account. I called capital to reversed the amount back to the credit card. After several attempt the refunded the money which reflected on the account but later adjusted it and added it to my current. In that case they want me to pay money i never used. I have talked to several agent with capital one but they dont want resolved the issue but instead want me to pay money i never used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I need to clearly state that this complaint is not being submitted in error. There is an account on my credit report that is not being reported with maximum possible accuracy. The information being furnished is inaccurate and unreliable, and this ongoing error has been weighing heavily on me and negatively impacting my credit and overall well-being. Given how important accurate credit reporting is, this situation has become extremely distressing and can not be ignored any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 2025-12-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccuracies regarding the following accounts listed on my credit report, which I believe are being reported incorrectly by the credit bureaus. I kindly ask for a thorough investigation and correction of these entries based on the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX & XXXX, Account Number : XXXX * * * *, Opened : XX/XX/year>, Balance : {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX [ Your Address ] [ City, State ZIP ] XX/XX/year> Via Certified Mail Return Receipt Requested [ Debt Collector Name ] [ Collector Address ] [ City, State ZIP ] Re : Request for Debt Validation Account No. [ Partial Number ] To Whom It May Concern, This letter is sent in response to your communication regarding the above-referenced account. Please be advised that I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

You are required to provide competent evidence that I have a legal obligation to pay this alleged debt.

Until such validation is provided, you must cease all collection activity, including reporting or verifying this account to any consumer reporting agency.

Please provide the following documentation : 1. The name and address of the original creditor 2. The amount of the alleged debt and an itemized breakdown of charges 3. Copies of any contracts or agreements bearing my signature 4. Proof of your legal authority to collect this debt, including assignment or chain of title XXXX. The date of last payment and date of first delinquency Any attempt to continue collection efforts without providing proper validation will constitute a violation of federal law. 
This letter is not a refusal to pay, but a request for validation as provided by law. All future communication must be in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
THIS LATE MARK DOES NOT REFLECT MY PAYMENT ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XX/XX/year> and received an automatic stay. 
The company XXXX  Amica Leasing ( or Amica Leasing ) has continued to call me after receiving notice of my bankruptcy filing and my case number.

I advised them multiple times that I filed bankruptcy and provided my case number. 
Despite this, they called again on [ insert date and time of most recent call ]. When I answered the phone and said that I would be reporting them for violating the automatic stay, the representative immediately hung up on me.

They have continued to demand that I email them my bankruptcy information, even though I have already told them that they were given my case number and notice from the bankruptcy court.

This is a clear violation of the federal automatic stay under 11 U.S.C. section 362. The automatic stay prohibits any collection attempts, demands, or communication to collect a debt once a bankruptcy case is filed.

Their continued contact is causing stress and confusion while I am going through the bankruptcy process. Their refusal to stop after receiving notice, combined with hanging up on me when I stated that I would be reporting them, shows that they are knowingly violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Ive been asking to have my loan deferred, reinstated or modified for quite some time now. All of my requests have been denied. I just can not comprehend the unwillingness of SPS to agree to XXXX of these options when XXXX clearly trying to take care of my obligation. I was initially offered a repayment plan in XXXX, XXXX, & it was closed out for non-payment. I was not able to make the required payment as I was unemployed at the time. The subsequent Forbearance to XXXX XXXX offered in XX/XX/XXXX was {$6800.00} / month for twelve ( XXXX ) consecutive months. My previous monthly payment was {$3700.00} / month, which is {$3100.00} less than the proposal. This represents a 55 % increase in my monthly payment. Additionally, this would bring my housing ratio to 66 %, which is unheard of. I asked that the missed payments over the last several months be deferred to the end of the loan, thus extending the terms of the loan. At the very least, I asked that my loan be reinstated at the original monthly payment of {$3700.00} nothing less & nothing more. Rates have come down & this payment is clearly in line with the market. Lastly, I asked that the monthly payment be moved to the XXXX of each month as this is when my overrides are paid. I have been in the mortgage business for XXXX years & XXXX & XXXX were the absolute worst years of my career. I was employed for 5 months in XXXX & 3 months in XXXX secured full-time employment in XX/XX/XXXX & continue to be a full-time & valued employee of my employer. As such, XXXX happy to provide pay stubs to substantiate my ability to repay this debt. I have lived in my house since XXXX & have raised XXXX boys here this is our home. I am now able & willing to do whatever it takes to bring my account current, within reason of course. I do not want to lose my home & want nothing more than to fulfill my obligation. SPS is unwilling to consider my requests for deferral, reinstatement, or modification & this is unacceptable under the spirit of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XX/XX/year>, I canceled a solar installation project with XXXX XXXX. Despite confirmation of cancellation, the associated loan through Mosaic was never reversed or refunded. Mosaic continues to report the account as active and delinquent, even though I received confirmation from XXXX XXXX that the project was canceled in their system. 

After dozens of phone calls, I confirmed directly with Mosaic representatives that they never received any cancellation confirmation or refund/payment reversal from XXXX XXXX. Meanwhile, Mosaic continues to bill me and report negatively to credit bureaus. My credit is being damaged for a loan tied to a project that never happened. 

Ive spent months trying to resolve this. Ive submitted multiple XXXX  complaints. XXXX XXXX refuses to send any confirmation to Mosaic and is uncooperative. Mosaic has also failed to escalate or protect the consumer despite being the financial institution. 

This isnt an isolated incident. XXXX XXXX online reviews are flooded with customers in the exact same situation, cancelled projects, no refund, and loans left active. Mosaic is enabling this by continuing to collect payments and report delinquency on fraudulent or canceled accounts. 

I am demanding that Mosaic : Immediately investigate this issue Cease negative credit reporting Confirm cancellation and close the account Pursue refund from Freedom Forever as the financing partner This has caused months of stress, hours on the phone, and serious harm to my credit.

Company response to consumer: Closed with explanation