vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I opened a MoneyLion credit builder loan through their mobile app and digitally signed their agreement, but the structure of the loan was not clearly disclosed or explained. I believed I was taking out a {$1000.00} loan. However, after signing, I learned that MoneyLion requires consumers to repay the loan before accessing any funds, and that no money is actually provided upfront. This was not clear during the application process, and the terms were confusing and misleading.

I never received the {$1000.00} they are reporting. Because the structure was unclear and did not operate like a traditional loan, I stopped making payments.

MoneyLion is reporting this loan with a {$960.00} balance and XXXX  days late on my TransUnion credit report. I mailed MoneyLion a written dispute and a request for validation asking for : A copy of the signed loan agreement Proof that funds were actually disbursed A complete payment history Documentation supporting the reported late payments Proof that the credit reporting is accurate MoneyLion did not respond within the required XXXX  days under FCRA 611 and provided no validation of the account. Despite failing to validate the information, they continue to report the account as delinquent, which is harming my credit score.

I am requesting that the CFPB require MoneyLion to either : Provide full validation and documentation proving the accuracy of the reporting, or Request deletion of the account from TransUnion due to failure to validate and misleading loan terms. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because TransUnion has reinserted a fraudulent debt on my credit report that had previously been deleted due to identity theft. The debt was reported by XXXX XXXX XXXX, a company that has repeatedly attempted to collect a debt that does not belong to me. 

This situation has caused me severe distress, and I am asking the CFPB to investigate TransUnions conduct and the actions of the furnisher.I previously filed an identity theft report and disputed a fraudulent account that appeared on my TransUnion credit file. 

TransUnion completed that dispute and removed the account. 

Recently, TransUnion reinserted the same fraudulent debt, without notifying me within XXXX business days as required under FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX XXXX continues attempting to collect this debt and has been contacting me in a manner that feels harassing and coercive. 

I have repeatedly informed XXXX XXXX XXXX that the debt is not mine and is a result of identity theft.

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 2025-11-25 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: AL

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
OneMain Financial wrongfully repossessed my vehicle on XX/XX/XXXX, without legal justification, and then failed to provide any guidance or servicing support in XXXX when the collateral became inoperable. Their actions caused significant financial and emotional harm and ultimately resulted in the loss of the vehicles remaining value. 

In Fall XXXX, a payment was returned due to a banking error. The next payment was due XX/XX/XXXX. OneMain repossessed the vehicle only XXXX days later, on XX/XX/XXXX. This was not a XXXX delinquency and did not represent material default under Tennessee law . There was no written notice or opportunity to cure. The repo was discovered early in the morning by my son, who was the vehicles primary driver, causing distress and confusion. 
Despite this aggressive action, OneMain never reported any late payments or repossession to any credit bureau ( as shown in my attached TransUnion and Equifax reports ), which indicates OneMain internally knew the account was not in true default.

After redeeming the vehicle and bringing the loan current, the car suffered major engine failures in XX/XX/XXXX and became inoperable. On XX/XX/XXXX, I sent OneMain a written letter requesting instructions on how to handle the collateral. My husband and I contacted them multiple times between XX/XX/XXXX, detailing that we could not safely store or insure an inoperable vehicle. OneMain refused to provide any meaningful assistance. A local employee stated his district manager denied an insurance waiver based on a questionable loan-to-value claim. OneMains corporate office placed me on silence for nearly a minute and then transferred me without explanation. At no point did OneMain provide written guidance, hardship options, or instructions. 

With no support from OneMain and unable to maintain storage and insurance on an inoperable vehicle, the car was towed to XXXX on XX/XX/XXXX. Neither OneMain nor XXXX has contacted me regarding the collateral since. 

OneMains pattern of conductwrongful repossession in XXXX and abandonment of servicing responsibilities in XXXXcaused the loss of the collaterals salvage value, significant distress, and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Yes porfolio consumer service won't give me a XXXX car extension. I told them I'm.on social security living paycheck too paycheck going thru hardship with medical bills plus car repairs. I told them it would be the last time I ask for a extension. They said no. They don't care about your personal problems I told them I was grateful for giving me XXXX extension XXXX But anyway I hope out of good will they could give me that XXXX extension. Because I can't make XXXX car payment due too had too get my brakes done on my jeep. Again just going thru hardship. It would help me get caught up on everything also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX charges that have little to no details, listed as " DEBIT/HOLD ON XX/XX/year> '' for the amounts of {$10.00} and {$100.00}. This has brought my available balance very low and I need all the funds I have for an upcoming Thanksgiving trip to see my family. The bank is unable to explain what the pending charges are for and simply stated that they should finalize by tomorrow and to call back then with any questions. The problem is that the funds are already deducted from my available balance. I need them to reverse the charge until further explanation can be provided. I do not recognize these charges and I believe they are a processing error on behalf of the bank.

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 monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my Experian credit report. These accounts do not accurately reflect my credit history, and I request that you investigate them and make the necessary corrections as required by the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} This account has been inaccurately reported as charged off. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : N/A Balance : N/A This account has been reported inaccurately or is missing details LATE PAYMENTS XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : N/A Balance : N/A This late payment is inaccurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : N/A Balance : N/A This entry is incorrect or incomplete. 

XXXX XXXX Account Number : XXXX Date Opened : N/A Balance : N/A This account needs to be verified or corrected. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : N/A Balance : N/A This payment record needs correction. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : N/A Balance : N/A This late payment is inaccurately reported. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : N/A Balance : N/A This account requires correction.

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 2025-11-25 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: CA

Complaint narrative:
I am submitting this formal complaint because there is inaccurate, unverifiable, and misleading information being reported on my credit file, and my attempts to resolve this directly with the reporting agencies and furnishers have not been properly addressed. 

The following items are being reported inaccurately : Incorrect Address Reporting : XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address does not belong to me and has never been associated with me at any point. The continued reporting of unknown addresses puts my personal information at risk, creates confusion, and may indicate identity theft or file merging. 

Unverified Account Reporting : XXXX XXXX XXXX High Balance : {$13000.00} Date Opened : XX/XX/year> Status : Charge Off I dispute this account in full. I have no knowledge of this account, nor have I ever opened or authorized it. Despite requesting verification and complete documentation proving this account belongs to me, none has been provided. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( a ), 611, and 623, furnishers and credit bureaus are required to : Provide full validation and proof of the alleged account Report only accurate and verified information Remove unverifiable or incorrect items To date, these obligations have not been met. 

Requested Action : I respectfully request the CFPB to intervene and require : Immediate removal of the inaccurate address listed above.

Immediate deletion of the XXXX XXXX account, as it remains unverified and disputed under federal law. 

Written confirmation once the corrections have been completed. 

These inaccuracies are damaging my creditworthiness and causing unnecessary financial harm. I am requesting full compliance with federal consumer protection laws. 

Please find attached copies of my ID, proof of residency, and prior dispute attempts. 

Thank you for your time and assistance. I expect this matter to be handled promptly and in accordance with federal regulations.

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 2025-11-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: GA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts listed on my credit report. I believe these accounts contain discrepancies and errors that need to be investigated and corrected. Below are the details of the accounts in dispute : Charged-Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$12000.00} XXXX XXXX XXXX Account XXXX : XXXX Account Date : XXXX Balance : {$0.00} Late Payments : XXXX XXXX XXXX Account XXXX : XXXX Account Date : XXXX Balance : {$2500.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Mr. Cooper Home Loans took over our mortgage in XXXX of XXXX. 
We are set up for recurring automatic biweekly payments so that we can have an extra payment a year go towards principal. 
As of today, they still have not applied an extra principal payment, despite XXXX on-time payments being made in that XXXX year timeframe. 
I've made XXXX separate phone calls to their servicing department - XX/XX/XXXX and XX/XX/XXXX. 
I was told both times that the extra principal payment should show up soon. 
When I view the loan details on their website today, XX/XX/XXXX, the next payment due date states XX/XX/XXXX. 
They are simply putting off the payments and continue to charge interest on principal that should already have been paid down. 
Upon further research, this is an illegal practice they are known for and there are support groups setup online warning other consumers. 
Honestly, this has class-action lawsuit written all over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-11-25 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: NJ

Complaint narrative:
I am disputing the following inquiries listed on my TransUnion credit report. These inquiries are either unauthorized, incorrectly reported, or made in error. 

Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX Date of Inquiry : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate information in my credit report, as per the report I received dated [ Date of Credit Report ]. In accordance with the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts that are being reported inaccurately. 
Disputed Accounts : XXXX. XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Disputed Item : Status marked as " Positive, '' but there are missing historical late payments. 
o FCRA Violations : Inaccurate reporting of payment history under Section 1681e ( b ). 
o Potential Data Breach : Missing payments potentially violating data accuracy standards. 
XXXX. XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Disputed Item : Account is inaccurately marked " Negative '' and charge-off status is incomplete. 
o FCRA Violations : Inaccurate reporting per Section 1681i for charge-off status. 
o Potential Data Breach : Failure to maintain consistent reporting of account status. 
XXXX. XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) o Disputed Item : Account listed as " Negative '' with discrepancies in reported payment history. 
o FCRA Violations : Violation of Section 1681a ( f ), ensuring accuracy in reporting. 
o Potential Data Breach : Incorrect reporting impacting credit evaluation.

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I just bought my vehicle on XX/XX/year> and I've been attempting to log into the mobile app to get my account setup for payment but it keeps saying my personal info is incorrect. I tried to call and they only have an automated system that will not help or direct me to a live person. I emailed their customer support team and still haven't had any response. With them not having my correct info XXXX dont feel comfortable making a payment until it is fixed so I know my payment goes towards my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor
may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief