vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: NJ

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I noticed that a rental collection account was reported on my credit file with an incorrect amount. The creditor is reporting that I owe {$1800.00}, however this is inaccurate. 

I fulfilled my lease obligations and either paid the balance in full or was not responsible for the charges being claimed. I have documentation showing that the correct balance should be {$720.00}. 

On XX/XX/year>, I contacted the property management/collection company to dispute the amount. I requested a full accounting and supporting documentation, but either did not receive a response or the documentation did not match the charges being reported. Despite this, the company has continued to report the incorrect balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
LAUNCH SERVICING , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX This company listed as an education loan but this was for a truck dispatch school that I could never access the class tried to cancel wasn't allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Subject : Formal Complaint Unfair and misleading loan practices by OneMain Financial To Whom It May Concern, I am submitting this formal complaint regarding the lending practices of OneMain Financial, related to a personal loan application that was ultimately denied without sufficient explanation, despite having submitted all required, original, and legal documentation.

Throughout the process, OneMain representatives repeatedly indicated that my loan was viable and easy to approve, creating an expectation of approval based on the information they provided. However, the outcome contradicted those assurances and was communicated in a manner that was inconsistent, untimely, and unprofessional. 

In particular, the communication I received in XXXX XX/XX/2025 from the advisor was disorganized and discourteous, leaving me uncertain about the true status of my application. This experience not only generated significant confusion and doubt about OneMains internal process, but also caused financial and emotional stress due to delays and lack of transparency.

These actions appear to constitute misleading, unfair, and/or deceptive lending practices, as well as a failure to provide clear and honest disclosure, which may violate federal consumer protection laws and California state regulations.

Request for Action : I am aware that OneMain Financial has faced problems and fines for this irregular practice, but apparently, it has not been sufficient.

I respectfully request that your agency : 1. Investigate OneMain Financials practices related to the loan application, approval, and disbursement process.

2. Clarify in detail the reasons behind the denial or obstruction of my loan, despite fulfilling all stated eligibility requirements.

3. Ensure that consumers dealing with OneMain Financial are not subjected to hidden, misleading, or unfair terms in future applications.

4. Require OneMain Financial to correct and remedy any harm caused to affected consumers where appropriate Contact Information Full Name : XXXX XXXX Address : XXXX XXXX CA Email : XXXX Thank you for your attention and for protecting consumers from unfair or deceptive financial practices. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was in XXXX, XXXX ( XXXX XXXX XXXX ) using my physical Barclays credit card, so its impossible the same card was used in XXXX XXXX Their records should confirm this the charges in XXXX XXXX are fraudulent and should be removed. 

On XX/XX/year> I faxed a letter to Barclays Card Services ( Fraud Investigation Unit ) @ XXXX disputing the charges ( Account ID # : XXXX ). In addition, I attached a copy of my airline itinerary as proof that I was out of the country during the time the unauthorized transactions occurred. They have yet to respond with any evidence proving otherwise. 

Transaction Date Description Category Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a copy of my airline itinerary as proof that I was out of the country during the time these unauthorized transactions occurred.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This credit bureau is reporting inaccurate data on my credit report. 

Accounts that were not taking by me were reported as verified. 
I will like to request the method the account was verified! 
The data is inaccurate. I would like the credit bureau to investigate and remove all inaccurate information on my credit report immediately. 
I am yet to receive a debt validation papers from the reporting parties. 

This bureau is negligent with my credit report. The verification process is inaccurate. 

I keep getting information of data leaks on my file weekly. 
The bureau is negligent and not protecting the interest of the credit score owner

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Improper collection reporting. I dispute the LVNV Funding collection. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX Midland Credit Management , Inc . 
Attn : Compliance Department XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ) Account Number : XXXX Dear Midland Credit Management, I am formally requesting validation and verification of the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g ( b ).

Please provide the following documentation to validate the debt : 1. The name and address of the original creditor and the account number associated with the alleged debt.

2. A detailed statement of the amount owed, including an itemized breakdown of principal, interest, fees, and other charges.

3. A copy of the original signed agreement or contract bearing my signature that establishes the alleged obligation.

4. Proof of ownership or assignment showing that Midland Credit Management has the legal right to collect on this account ( including the bill of sale or assignment contract ).

5. A complete payment history showing how the alleged balance was calculated and any payments made on the account.

6. Verification that the debt is within the applicable statute of limitations for collection in my state.

Be advised that until these documents are provided and the debt is properly validated, you must cease all collection activities, including reporting or verifying the debt with any credit reporting agencies, as required under 15 U.S.C. 1692g ( b ).

Additionally, please note that any attempt to collect this debt without providing proper validation will constitute a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the state Attorney Generals Office. 
I request that all future communications be in writing only. 
Sincerely, XXXX XXXX XXXX MCM Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Consumer Financial Protection Act ( 12 U.S.C. 5511 ) regarding inaccurate and incomplete information being reported by XXXX XXXX XXXX on my Equifax and Experian credit reports. 

The account in question is listed as : Creditor : XXXX XXXX XXXX Account Number ( Partial ) : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Status : Charged Off / Potentially Negative Balance Reported : {$1100.00} Upon review, I found the following discrepancies and violations of federal law : Inconsistent Reporting Across Bureaus XXXX  lists this account as charged off with recent payments through XX/XX/XXXX, while XXXX  lists it only as potentially negative with no charge-off confirmation. This inconsistency violates FCRA 1681e ( b ) requiring maximum possible accuracy in all consumer report data. 

Re-Aging of Debt The reported Date of First Delinquency ( XX/XX/XXXX ) appears inconsistent with the date of charge-off and last payment, violating FCRA 623 ( a ) ( 5 ), which prohibits altering or extending delinquency dates to keep derogatory information active longer. 

Contradictory Account Status A charged-off account can not simultaneously show recent payments, as reported by Equifax. This inconsistency renders the information unverifiable and inaccurate under FCRA 1681i ( a ).

Incomplete and Misleading Data Experians potentially negative tag without specific context creates a misleading impression to potential creditors, violating FCRA 607 ( b ) and 609 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: MD

Complaint narrative:
I have been using the Bilt Rewards payment system to pay my residential rent for over XXXX year without issue. My rent for XX/XX/year> was due on XX/XX/XXXX. Prior to this payment cycle, Bilt implemented a change to its payment processing system. Bilt notified users that they must re-enter their bank account and routing information in order to continue using the service for rent payments.

I followed those instructions precisely and re-entered my account and routing information in my propertys online rent portal before the rent due date. At no point did Bilt clearly disclose that a separate authorization step was required to enable payments under the new system. As a result, the payment did not process, even though sufficient funds were available and the payment was scheduled in good faith before the due date. 

Due to this undisclosed system requirement, my landlord assessed a late penalty of approximately {$82.00} and revoked my eligibility to pay rent electronically, requiring payment by cashiers check or money order going forward. This has imposed direct financial loss, administrative burden, and reputational harm despite my full compliance with the published payment instructions.

I contacted Bilt immediately through its support channels to report the issue and request remediation. Bilt does not provide live customer service or an escalation path, and all responses were automated. Despite clear evidence that I complied with their instructions, Bilt declined to accept responsibility or reimburse the penalty.

Bilts failure to disclose or reasonably communicate the new authorization requirement constitutes an unfair and deceptive practice and a violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. Part 1005 ), which require financial institutions to provide clear, written notice of any authorization procedures before initiating or altering electronic fund transfers. 

I request that the CFPB investigate this matter and require Bilt ( and its partner bank, XXXX XXXX  XXXX XXXX or XXXX XXXX XXXX, XXXX. ) to : Reimburse the full {$82.00} penalty and any related costs for cashiers check or money-order fees. 

Confirm that this incident will not negatively affect my account or credit standing. 

Ensure Bilts payment-authorization process is transparent and compliant with EFTA and Regulation E going forward.

Supporting documentation is available upon request, including : Screenshots of Bilts user instructions and rent-portal interface ; Proof of prior successful rent payments through Bilt for over XXXX year ; Evidence of the late-fee assessment ; and Copies of correspondence with Bilt support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I have had a car loan account ( $ XXXX ) with Bethpage, now changed to Fourleaf, since XXXX. My last bill from Bethpage was from XX/XX/XXXX in the amount of {$420.00}, which I made payment for. Since then, I had never received any bill from either Bethpage or FourLeaf. I received a credit alert in XX/XX/XXXX about a " Major derogatory mark '' from my account with FourLeaf, and as a result my credit score decreased from XXXX to XXXX. I was utterly confused since I did not even know I had an account with Fourleaf. Upon checking my payment history on my credit report, it showed that I had a balance of {$310.00}. I called Fourleaf immediately and learned that Bethpage has been renamed to FourLeaf, and neither of them had sent us any bill since XX/XX/XXXX. Worse, we were told that our account was sent to a collection called XXXX XXXX and we had to figure out payment with them. However, we never heard from XXXX XXXX regarding the debt, so I called Fourleaf customer service again on XX/XX/XXXX, and they let me make payment directly over the phone. For the following months up to XXXX, my credit reports are still showing " charge off '' and my credit score remained low. I have sent emails to Fourleaf dispute service asking for investigating of the failure of sending the last bill and never reminding us the payment. They didn't address it at all and insisting the credit reporting was correct. since then I have tried to contact them multiple times through emails and phones, asking for the proof of relevant documents but never received response. I believe their reorganization from Bethpage to Fourleaf cause the mismanagement and failed to communicate with their customers properly. The charge-off mark is detrimental impact on our credit.

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 2025-10-17 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: GA

Complaint narrative:
I am filiing to formally dispute several inaccurate and unverifiable accounts on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( XXXX ), Consumer Financial Protection Act ( XXXX ), and the Truth in Lending Act ( TILA ), I request that you conduct a thorough reinvestigation any information that can not be fully verified for accuracy and completeness. 

XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filiing to formally dispute several inaccurate and unverifiable accounts on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( XXXX ), Consumer Financial Protection Act ( XXXX ), and the Truth in Lending Act ( TILA ), I request that you conduct a thorough reinvestigation any information that can not be fully verified for accuracy and completeness. 

XXXX XXXX Balance : {$520.00} 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