vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: MEPCO FINANCE CORPORATION
State: TX

Complaint narrative:
Issue : Unauthorized electronic withdrawal / ACH debit Predatory billing practices Refusal to issue refund Complaint : XXXX XXXX XXXX withdrew money from my bank account even though autopay was turned off months ago.

I spoke with the company today and they admitted the following : 1. They monitor my bank account and withdraw money automatically when they see funds available.

2. They took the money because I owed them for a previous month. I refused to pay for XXXX because of their deceptive practices.

3. They refused to issue a refund.

I never authorized them to monitor my account or to take payments after autopay was disabled.

This is an unauthorized electronic funds transfer under the Electronic Fund Transfer Act ( Regulation E ).

The company is engaging in deceptive, predatory, and unauthorized billing practices and is withdrawing money without consent.

I am requesting immediate assistance to stop further withdrawals and to obtain a refund for the unauthorized charge.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
Despite the fact that this account has been completely settled, it still reflects misleading late payment remarks on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 formally disputing the accuracy and legitimacy of the following accounts that appear on my TransUnion credit report. Due to the TransUnion data breach, I believe my personal information was compromised and may have resulted in the reporting of inaccurate or unauthorized accounts. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c-2 ), I request that TransUnion investigate , verify, and delete all unverified or inaccurate items listed below within the required 30-day timeframe. 
Account name 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 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 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 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 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I am filing a complaint regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) by OneMain Financial. 
Specifically, several staff members of OneMain Financial, located in XXXX, IL, have repeatedly made phone calls to my employer to discuss my personal debt. They have also repeatedly left messages about my debt on my employer 's cell phone. The most recent instance of this harassment occurred this morning, XXXX XXXX XXXX 
This conduct is a direct violation of the FDCPA 's prohibition on discussing a debt with unauthorized third parties. 
Furthermore, these calls are causing me significant distress and could jeopardize my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus.

Accounts Still Inaccurate : CHARGE OFF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I disputed inaccurate late payments and incorrect payment history on my Experian credit report for my XXXX XXXX and XXXX accounts . I submitted multiple disputes, and each time Experian responded with previously verified or verified and updated, but they did not actually reinvestigate the accounts.

I requested the verification documents and method of verification that Experian is required to provide under FCRA 611, but Experian did not provide any documentation. They did not show any proof from the furnishers and did not explain how the information was verified.

Experian is reporting invalid and inconsistent dates in the payment history, including duplicate and incorrect delinquency entries. These dates are clearly inaccurate and do not match the furnishers records. 

XXXX  has already corrected these same accounts and removed the inaccurate late payments, but Experian continues reporting incorrect information even though both agencies received the same evidence.

Experian is violating the FCRA by failing to conduct a reasonable reinvestigation, failing to provide verification documents, failing to ensure maximum possible accuracy, and continuing to report information that is inaccurate and unverified. I am requesting CFPB assistance to require Experian to correct the inaccurate payment history and remove all unverifiable information.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I applied for and were granted a Macy 's American Express Credit Card when purchasing a couch from the Macys XXXX XXXX. At first there was a XXXX interest promotional period and so my auto payment were working off the balance. In XXXXXXXX XXXX XXXX, I realized that many of my payments were interest only at a very high interest rate and I wasn't close to paying off the couch. Since I had the means to pay off all at once that was my goal to resolve. 

On XX/XX/year>, my wife, contacted the credit card company to settle the balance and close out the account with a XXXX balance. The credit card company agreed to waive and grant relief for some of the remaining interest charged and fully agreed that with a payment of {$1500.00} our balance would be paid off in full. They also agreed to close out the account. My wife immediately made the payment of {$1500.00}, which included significant interest compiled. 

Much to my surprise, I noticed on XX/XX/year>, that for XXXX, XXXX, XXXX and XXXX Macys Credit Card had continue to take auto payments from me of over {$250.00} for interest only charges. Once logging into my closed account, I found that Macys had reversed the clearing of my balance without my notification and my account had excess of XXXX XXXX balance. 

My wife and I contacted Macys American Express card, on XX/XX/year>. My wife first spoke with their representative, XXXX. He claimed that the agreement made to clear our balance was made in error. He later fully acknowledged after reviewing the recorded tapes that we were promised by Macys Card Services that we had made a full payment and cleared our balance and that our account was closed. He would not remove the over {$800.00} balance and reimburse for the over {$250.00} of additional interest charges. He agreed to remove the autopayment. He filed a complaint on our behalf to the account specialist, who may get back to us. This was not sufficient as Macys will just continue charging interest on this account and has not rectified. 

My wife requested to speak to the manager. We received XXXX XXXX Employee number XXXX. She acknowledged that we will be reimbursed but all she can do is file the complaint to the account specialist and it is up to that office. It was concerning that we were not given full assurance or a suspense date when Macys would resolve this matter.

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 2025-12-09 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: FL

Complaint narrative:
This correspondence serves as an official complaint and second notice regarding the incorrect and inconsistent reporting of the account known as XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  in my Equifax credit report. I previously submitted a sworn affidavit identifying errors and inconsistencies in the reporting of this account. More than 30 days have passed since my first dispute, and Equifax has not corrected nor properly reinvestigated the inaccurate information, as required under Federal Law. 

Due to Equifaxs failure to correct or verify this information within the legally required timeframe, I have now filed an official Federal Identity Theft Report, since Equifax continues to report incorrect information and has failed to comply with proper reinvestigation procedures under FCRA. 

Reporting Errors & Inaccuracies ( XXXX XXXX ) Equifax is currently reporting several inconsistencies related to this account, including but not limited to : Contradictory dates regarding opened, closed, and last reported status Incorrect and inconsistent status remarks Unverifiable balance and status information Inconsistent reporting compared to other bureaus Failure to update or correct after affidavit and dispute Failure to provide reinvestigation documentation within the statutory time frame These inconsistencies demonstrate that Equifax continues reporting incorrect, unverifiable, and contradictory information, which must be corrected or removed under the Fair Credit Reporting Act.

Violation of Federal Law Equifax is currently violating multiple sections of Federal Law, including : 15 U.S.C. 1681i ( FCRA 611 ) duty to reinvestigate properly 15 U.S.C. 1681e ( b ) failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) duty to report accurate information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to correct or delete unverifiable information XXXX  and XXXX  have already received notices regarding this account, and your continued reporting of inaccurate information constitutes ongoing violation of federal consumer protection statutes. 

Identity Theft Report Filed Because Equifax failed to correct these errors after affidavit and dispute, and continues showing multiple recording inaccuracies, I have now filed a Federal Identity Theft Report and I am attaching it to this complaint.

This action was necessary due to Equifaxs continued failure to comply with federal law and correct inaccurate information after proper notice. 

Formal Request I am demanding the following under the Fair Credit Reporting Act : immediate correction of all inaccurate information regarding XXXX XXXX  immediate reinvestigation immediate deletion if the information can not be corrected Federal law requires deletion where information remains unverified, inaccurate, or uncorrected after dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
Paysafe charged me {$230.00} on XXXX, without a receipt, without notice, without permission, and for an amount I did not agree to. I agreed to pay {$11.00} a month and they tried to charge me that {$230.00} just for two months. I have no idea what changed. I gave them my bank information in XXXX XXXX XXXXXXXX. They have not spoken to me, I explained I would take necessary action to get justice, and so on. Fortunately I have my money back, but they threaten to cancel my account and now want over {$400.00} due to some fee they made up. They are awful. I am broke and they are still trying to fraud and take advantage of me. I had no problems until now. I have not used their service at all and they cancelled my account, trying to force me to create a new account with a new company that I did not agree to, was not given the option to cancel, have not used, and was never going to use until a time came I may want to do business ( they cancelled my account on XX/XX/XXXX ). Additionally I am by definition XXXX, with a XXXX XXXX and being on the XXXX XXXX. They promised an easy to use service at a low cost and I feel very taken advantage of, this was all I could handle due to the circumstances of my life, I they withdrew my money and everything was ok. But when they switched to XXXX, I stopped being aware of anything at all. I need help, if they charge me again I will not be able to go to interviews or work, or see my fiance, and at that point I will not be able to cope and I will be lost to society.

I will attach a screenshot of the monthly service fee I agreed to, of the amount charged for what they claimed was two months, and the emails confirming what I say. They also refused to give me information about them and their company. They also kept upping the amount I owed them without explanation. They all have access to all relevant emails as I forwarded emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi will not allow me to access my own account despite providing my SSN, DOB, address, and being willing to submit government ID. They claim no further options exist. I am requesting access and mailed replacement materials.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2025-12-09 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:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander Bank will not offer any hardship relief unless I am late with a payment. They resisted sending me to the team that could offer this unless I was late with a payment. I do not want to further my debt problems with more late fees and higher interest in order to seek relief as I have kids in school. Higher living expenses and lower income.

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 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 seven 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 2025-12-09 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: EQUIFAX, 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 seven 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 response to consumer: Closed with explanation