vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: KS

Complaint narrative:
There are multiple discrepancies in the reporting of my student loan accounts, as well as my account with XXXX XXXX specifically in the payment history and late payment reports. I am requesting a reinvestigation under 15 U.S.C. 1681i. If they can not verify the information, it must be removed. If they continue to report it incorrectly, I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX name : Midland Credit Management , Inc . 

From letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management keeps sending me debt collection letters and tracking my current address even though I did not give permission. This feels harassing and intimidating. I have not confirmed that I owe this debt, and I have asked them to stop contacting me. They continue to send mail and find my new addresses. 
I believe this violates the Fair Debt Collection Practices Act ( FDCPA ), specifically sections regarding harassment ( 15 U.S.C. 1692d ) and communication after a cease request ( 15 U.S.C. 1692c ).

I want Midland Credit Management to stop contacting me immediately, verify and validate the debt in writing, and remove any negative reporting from my credit report. Midland Credit Management is repeatedly contacting me and sending collection letters after I requested they cease contact. They have been tracking and using my current address without my permission and continuing harassment. This violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692d, 1692e, 1692g ) and may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) if they reported inaccurate information to credit bureaus.

I demand that Midland Credit Management immediately : Cease all communications with me except to notify me of specific actions ( per 15 U.S.C. 1692c ( c ) ) ; Validate the alleged debt in writing pursuant to 15 U.S.C. 1692g ; Remove any negative or inaccurate reporting to credit bureaus and confirm in writing that they have done so ( per 15 U.S.C. 1681s-2 ) ; and Provide a written statement acknowledging they will stop all collection actions and confirm whether they will pursue any legal action. 
If Midland Credit Management does not comply, I will pursue all available remedies under federal and state law, including statutory damages, actual damages, attorneys fees, and filing enforcement complaints with the CFPB, FTC, and my state Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be substantiated, I ask that they be either corrected or deleted.

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 2025-10-08 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: NY

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX  - Credit Card - Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Auto Loan- Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Credit Card- Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Credit Card - Date opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX - Collection- Date opened : XX/XX/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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am the sole owner and beneficiary of my personal data. Hyundai Capital America has reported repeated late payments on this auto loan. I rebut these claims and presume all presumptions in equity, trust, and contract law. Under TILA Regulation Z XXXX ( b ) ( XXXX ) ( ii ), creditors must provide monthly billing statements at least 21 days before the due date. Without timely statements, reporting late payments is unlawful and inaccurate. Under FCRA 607 ( b ) and XXXX XXXX standards, furnishers must assure maximum possible accuracy.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment records are appearing on my credit report that I believe may be inaccurate. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be included. I am requesting verification of these entries, and if they can not be validated, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I obtained an auto loan from Bridgecrest Acceptance Corporation to finance my vehicle. Since the beginning of the loan, Bridgecrest has consistently applied the majority of my payments toward interest rather than principal, without clearly explaining the calculations. 

For example, in the attached ledger, a {$300.00} payment on XX/XX/year>, applied only {$110.00} to principal and {$180.00} to interest. Over XXXX years of payments exceeding {$10000.00} have reduced my balance by only about {$4000.00}. 

In addition, Bridgecrest reported XXXX missed payments to credit bureaus even though I continued to make payments, as reflected in their own ledger. This inaccurate reporting has harmed my credit. 

I believe these actions are unfair, deceptive, and potentially violate the Truth in Lending Act and Fair Credit Reporting Act ( FCRA ). I request that the CFPB investigate Bridgecrests payment allocation practices and require them to correct inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-07 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: MS

Complaint narrative:
This account is being reported inaccurately for the following reasons : XXXX. XXXX. Contradictory and Inconsistent Data Across Bureaus : The account is reported with conflicting balances, charge-off statuses, and last activity dates between TransUnion, Experian, and Equifax. Such inconsistencies violate 15 U.S.C. 1681e ( b ), which requires you to maintain maximum possible accuracy in all credit file data.

Charge-Off and Transfer Conflict : The account is listed as charged off while also stating it was purchased by another lender or transferred/sold. Once sold, the original creditor no longer has a permissible purpose to continue reporting the account under 15 U.S.C. 1681b ( a ) ( 2 ).

3. 4. Lack of Verification and Supporting Documentation : I have not received any documentation or evidence validating this debt or confirming the amount claimed.

Reporting unverifiable data violates 15 U.S.C. 1681i ( a ), which mandates deletion of unverified information following reinvestigation.

Violation of Accuracy Obligations by Furnisher : The data furnishers continued reporting of inaccurate information violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting data they know or have reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a mobile deposit of {$560.00} to citi bank with the information that I would have it available next business day. End of business day XX/XX/XXXX they stated my money will not be deposited until XX/XX/XXXX well over a week after my initial deposit. When I asked the reason they refused to give me a LEGIT reason as to why my funds were being held as they have already posted. 

So again my funds were cleared and posted but not released to my balance

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 2025-10-07 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: MD

Complaint narrative:
I submitted a valid identity theft report along with proof of identity and my current address on XX/XX/year>. According to 15 U.S. Code 1681c-2, if valid and appropriate proof of identity along with an identity theft report is submitted to the consumer reporting agency, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. In addition, according to U.S. Code 1681s-2 ( B ), a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate. However, the inaccurate information remains on my credit report causing harm.

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 2025-10-07 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am submitting this federal complaint against Fair Collections & Outsourcing ( FCO ) for continued communication after receiving a Cease and Desist Notice ( CFPB Complaint # XXXX ), as well as violations of the Fair Debt Collection Practices Act, the Privacy Act, and the Gramm-Leach-Bliley Act. Attached is the full complaint detailing the facts, legal violations, and requested relief. 

I am providing this notice as an Intent To Sue and Opportunity To Cure. I strongly urge FCO to review the attached complaint. If the alleged account ( XXXX with XXXX XXXX XXXX ) is not removed and all unlawful reporting or communications cease within 30 days of receipt of this notice, I will proceed with filing the lawsuit in the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Pennsylvania without further notice.

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 2025-10-08 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: TX

Complaint narrative:
Ive found collection accounts on my credit report that I believe include inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I request that these accounts be reviewed, and if they can not be verified, they should be removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I submitted a timely Validation of Debt request to LVNV FUNDING LLC regarding Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the alleged balance of {$450.00}, {$770.00}, {$430.00}, {$440.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, LVNV FUNDING LLC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Every time I would deposit a check that was written off for Wells Fargo. It would take a day or two for them to clear, and even though it is the bank that its being drawn off of, I would still encourage the nonsufficient fund fees until about a day or two later, when the funds would be available, but they would never reimburse the nonsufficient funds

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 2025-10-08 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: NY

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: SC

Complaint narrative:
I am writing to formally request resolution regarding my final paycheck and account access issues involving XXXX XXXX XXXX and DailyPay. 

I was employed with XXXX XXXX XXXX until the end of XX/XX/year>. My final paycheck, which should have been issued in early XX/XX/year>, was not received at that time. After several follow-ups with XXXX XXXX regarding the wages owed to me, I was informed that my funds were finally processed on XX/XX/year>, and sent to DailyPay in accordance with the account terms. 

Upon logging into the DailyPay app, I was notified that I allegedly owe a balance of {$310.00} for an overpayment. I was never notified of this balance by email, mail, or phone, and since then, my access to my account and transaction history has been restricted. This has prevented me from viewing my earnings and verifying any transactions. 

Despite multiple requests, DailyPay has not provided documentation or proof of this alleged overpayment. I believe this may be an error or a failure to reconcile my final paycheck correctly. Additionally, withholding my account access and any earned wages without transparent communication is both unfair and potentially unlawful. 

Given the circumstances and the length of time this issue has persisted, I consider this a serious payroll discrepancy that requires urgent review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I am a XXXX XXXX member of the XXXX XXXX XXXXXXXX class action. I joined the class XX/XX/XXXX. My borrowers defense is still under review per FSA but MOHELA has taken my loans out of forbearance and is requiring payment as of XX/XX/XXXX despite me calling them and uploading the notice from FSA. When I spoke with MOHELA rep, they told me that they have no record of me being a class member and that my loans were on administrative forbearance which expires XX/XX/XXXX and not class action forbearance. This is impacting my credit as my loans now show up as in payment status. I also spoke with FSA and they told me that they dont understand why MOHELA doesnt have the borrowers defense information as it is on record and told me to file a complaint ( I thought by calling FSA that is what I was doing ). I have filed a complaint on XX/XX/XXXX and uploaded the letter from FSA regarding the XXXXXXXX XXXX XXXXXXXX post class status and my borrowers defense case #. 

I am seeking assistance in getting the forbearance placed back on my loans pending a decision on my borrowers defense application and correction to my credit report.

Company response to consumer: In progress
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: UT

Complaint narrative:
XX/XX/year> i received an email state that my account would be closed on XX/XX/year>. I tried contacting by chat. That did get me anywhere they said my account was good standing and active. I need to calk the fraud department. So on XX/XX/year> at XXXXXXXX XXXX XXXX XXXX i spoke to someone. And all he could tell me my account was closing because i broke a policy. I asked which one and he couldn't provided that information. I asked to speak to someone who could explain this to me. He said they're was no one i asked to speak to a manager and he disconnected the call. 
Then I reached out to the car again and requested a call. Which was receiver at XXXXXXXX XXXX XXXX XXXX. I requested a manager because of the last agent hanging up on me and I already knew he wasn't going to be able to provied information is why my account is closing. Agent straight said he cant provided the information. Manger wouldn't be able to provide information. And manager spotless do anything for the poor customer service!

Company response to consumer: Closed with explanation