vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I applied for an {$1800.00} installment loan in XX/XX/year>. Per the documents that I reviewed, and agreed to ; the term is for XXXX payments, @ 160 % interest rate. The first payment due was scheduled for XX/XX/year>, paid via ACH from my XXXX XXXX Checking account. This was to be paid only once per month, in the amount of {$130.00}. I did not agree to have these payments to be debited more than once. I set up this through there vendor XXXX, to access my account for these payments. I knew that this was high but, I was hoping to take care of some emergency issues. I did not think that this would become a nightmare. I noticed on XX/XX/year>, may checking account balance was not right. Per XXXX XXXX 's auto system ; these amounts were taken : XX/XX/year> : {$130.00}, XX/XX/year> : {$130.00}, XX/XX/year> : {$130.00}. I was not understanding what the deal was, and why I had three amount taken within a 30 day period. I contacted XXXX XXXX, to confirm what this was and how. I explained to XXXX XXXX, that I did not agree to these installment payments at this frequency, and felt that I was being scammed. I did a stop payment on two of the payments and put a request for this to be looked at by XXXX XXXX. I pulled my agreements and emails from Opportunity Financial, and also emailed the vendor XXXX. There was nothing there to confirm anything different. I did not agree to have multiple payments taken within one month. I attempted to email Opportunity Financials during this time. I continued to get the run around,. I was told in one of my emails that, those payments were taken out because, of my pay periods ( twice a month ) with my employer ( XXXX of XXXX ). I would have never agreed to have {$130.00} taken out of my checking account, twice amount. I can not afford this. I have sent them a few emails, and was told that I could either agree, or they would need to redo my loan, which result in a higher interest rate and installment amount. I am not trying to have this drag on, but I want to be treated fairly and pay this as I assumed it would honestly be. I am not agreeing to what Opportunity Financial is not claiming. I am requesting your assistance with this matter. Thank you for your time in advance. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was charged {$35.00} for a late fee of being late 4 days. They only take certain credit cards / debit card. Which rejects. If I had nit caught it, I would have been charged another day of late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/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 2025-11-24 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: OH

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 : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX 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 ) Accor
ding 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 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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
My auto loan was previously with Suntrust bank which was then bought by Truist. For three years I have been requesting documents from Truist that proves I made a late payment. They have been charging me late fees for years and have not been able to show proof of the missed payment. On two occasions they verbally told me I was missing the XX/XX/XXXX payment and then the XX/XX/XXXX payment both of which I have proven incorrect by submitting bank statements showing timely payment. Late fees began accruing in XX/XX/XXXX. This week after finally getting someone to do a full review of my account, they are now saying I missed my XX/XX/XXXX payment with Suntrust bank. This was an issue I remember and worked to resolve this with Suntrust. Truist does not have access to those records. Truist is now refusing to discuss this with me any further, and will only remove 1 late fee. I have tried to get this resolved over 3 years. Every time I talked to someone they were unable to figure out why I was being charged the late fees. My bank statements show I have never missed a payment with Truist and it is the banks responsibility to show proof of missed payment, which they continually did not do.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I filed a dispute with American Express on XX/XX/year> regarding an unauthorized charge of {$36000.00}. I requested full proof of authorization, including IP logs and digital authentication evidence. I never received any response. 
On XX/XX/year>, I contacted American Express for an update. They informed me they had mailed a response to an old business address, even though I had previously told them I no longer use that address and that my updated home address must be used. 
As a result, I never received any correspondence, and American Express incorrectly closed my dispute for no response from the customer. This was due to their address error, not a failure on my part. 
American Express has not provided : IP logs Device fingerprints Merchant authorization logs Location or digital authorization data Any evidence that I authorized the transaction This violates the Fair Credit Billing Act and has caused inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am disputing debts that have been re-aged on my credit report. I have never received proof of the debts, the original creditors account closing date, or documentation showing the chain of ownership.

These debt collectors have attempted to obtain personal information without identifying themselves properly, called me hundreds of times from blocked numbers, sent emails, and even used robocalls. I have screenshots showing re-aging and copies of emails/robocall evidence.

I have previously disputed these debts, but the collectors have refused to provide validation or proof of debt. XXXX XXXX can prove the disputes I have attempted with no investigation or proper contact with me to validate these concerns. 

My credit has continuously been damaged from these creditors applying false open dates making it appear my debt is newer than it is and it has made it a struggle for me to financially recover. I am prepared to take this to the attorney general due to the grief and stress all of this has caused me. 

I request the following : Full debt validation, including original creditor, account number, original closing date, and documentation showing ownership.

Correction of any re-aging or inaccurate reporting to credit bureaus.

Immediate cessation of illegal calls, emails, and harassment until validation is provided.

I am submitting this complaint because I have exhausted direct disputes, and the collectors continue practices that violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I hope this message finds you well. I am writing to respectfully but firmly dispute an account that appears on my credit report and contains information that is inaccurate, unauthorized, or unverified. This account does not belong to me or is being reported incorrectly. 

Under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am formally requesting a full investigation of this matter and the prompt removal of the disputed account from my credit file if it can not be fully and legally verified. 

The account in question is : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX ( Charge-off )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am disputing these accounts because the reporting is inaccurate, outdated, or unverifiable. I am asking for a reinvestigation and for any information that can not be verified to be removed immediately per FCRA regulations. 

CHARGED OFF EXPERIAN XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$1100.00} XXXX  Acct : XXXX, Date : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$380.00} XXXX  XXXX Acct : XXXX, Date : XX/XX/XXXX, Balance : {$160.00} INQUIRIES EXPERIAN The following inquiry is unauthorized/ inaccurate : XXXX XXXX XX/XX/XXXX POSITIVE EXPERIAN No positive accounts in dispute. 

LATE PAYMENTS EXPERIAN Late payment history is being disputed for accuracy and verification : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-24 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
Statement : I am challenging the accuracy of the information reported below. Under the FCRA, I am requesting verification, correction, or removal of any item that can not be proven to be accurate, complete, and in compliance with federal reporting standards. 

Charged Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$10000.00} Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-24 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Issue : Incorrect 30-day late payment reporting / autopay system error I am filing this complaint because Freedom Mortgage incorrectly reported a 30-day late payment on my mortgage account # XXXX. I have a strong history of on-time payments and believed that my autopay was active. Freedom Mortgages autopay system did not process the payment for the month in question.

As soon as I became aware of the issue, I immediately paid both the past-due payment and the current payment. My account was brought fully current the same day.

This late payment was the result of a servicing error, not a failure to meet my obligations. I requested a goodwill adjustment and provided proof of my long history of timely payments, but Freedom Mortgage declined to correct the reporting.

I am asking the CFPB to review Freedom Mortgages handling of this matter, including : The failure of their autopay system to process the scheduled payment.

Their refusal to remove a single, isolated late mark, despite immediate correction and a strong payment history.

The significant and unfair negative credit impact this has had on my FICO scores. 

I respectfully request that the CFPB require Freedom Mortgage to investigate and correct the inaccurate reporting to all three credit bureaus.

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 2025-11-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am reporting that USAA wrongfully denied my debit card fraud claims and failed to follow Regulation E. 

On or around XX/XX/year>, I discovered multiple unauthorized transactions on my USAA debit card, totaling approximately {$1600.00}. I immediately reported the charges as fraud. My physical card was in my possession. 

These fraudulent charges appeared right after a single legitimate purchase I made at XXXX on XX/XX/year>. All the transactions after that were not mine. I do not shop at gas stations like this, and these transactions do not match my normal spending habits over the last XXXX  years with USAA. 

USAA initially issued provisional credit, but then removed it at the most inconvenient and harmful time. I told them specifically that removing the provisional credit would create severe financial hardship because I am a single mother and rely on those funds for groceries and essentials. They removed the credit anyway without providing any evidence that I authorized the charges. 

Their explanation for the denial was that the transactions were completed with a chip card, therefore you must have been the one who made them. This is not proof of authorization. Chip transactions can still be cloned, skimmed, or used fraudulently, and USAA did not provide any merchant documentation, footage, or evidence showing I completed these purchases. 

USAA also did not conduct a proper investigation. They did not analyze my spending patterns, which would clearly show these charges are completely out of pattern for me. They did not check my location, merchant behavior, or any supporting details. They simply denied the claim based on an internal assumption. 

USAAs actions have caused significant financial stress, especially because I clearly communicated that removing the provisional credit would create hardship. They ignored this, disregarded Regulation E requirements, and shifted the burden of proof onto me. 

I am requesting that the CFPB require USAA to reopen the claim, conduct a proper investigation, restore provisional credit as required during investigation, and provide proofif anythat I authorized these transactions.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV 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 2025-11-24 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief