vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I have been experiencing repeated autopay failures with XXXX  since XX/XX/year>. My debit card information was updated and correct in their system starting in XXXX, and I spoke with multiple XXXX representatives who confirmed that ( 1 ) my debit card information was correct, ( 2 ) my card was on file for autopay, and ( 3 ) the issue was on XXXX side, not mine. 

Despite this, XXXX  has failed to draft my automatic payment every month from XXXX through XXXX. Each month I was told that the problem had been fixed and that the next autopay would draft normally. This never happened. 

On XX/XX/year>, XXXX  emailed me stating that my scheduled autopay draft of {$66.00} was cancelled due to an invalid debit card expiry date. This explanation is not accurate, because the same card was used successfully for manual payments before and after that date, and several XXXX  agents had already confirmed that my card details were valid and correctly entered. 

Because XXXX system failed to draft my payments, I was forced to call in and make manual payments every month to avoid negative reporting. Despite making these payments, XXXX  continued to send past-due notices and recently stated that I now owe a past-due amount of {$130.00}. This appears to be made up of late fees, interest, and recalculated minimum payment amounts caused entirely by XXXX own autopay failures. 

I have contacted XXXX  multiple times by phone and email asking for a correction of my account, removal of all system-generated charges, a written audit of my transactions, and confirmation that autopay has been fixed. I have not received a written breakdown explaining the increased payment amounts, the {$130.00} past-due balance, or why autopay continues to fail. XXXX  has not corrected the issue. 

This problem has been ongoing since XXXX, and despite multiple confirmations from XXXX  agents that the issue was on their side, XXXX  has continued to mark payments late and demand increased amounts. I am requesting that XXXX  correct my account to current, reverse all fees and charges caused by their system failures, and ensure that autopay functions correctly going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago.

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
A refund regarding my car was issued to me by Ally Financial in XXXX. I never received the check. Since XX/XX/XXXX, Ive been in contact with the company to have the check reissued since it was never received or cashed. However, Ive received different information regarding the refund each time I call and as of XX/XX/XXXX, I still have not received the funds and based on the most recent information given to me by the company, the check has not yet been reissued. Despite having conversations with a representative a few days prior who ensured the new check was approved to be reissued, there was no documentation in my file that aligned with the information given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Im writing to dispute the accounts listed, as I dont recognize or remember authorizing them. Please review and remove them. Ive included proof for your reference.

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 2025-11-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX attempted to create and collect an invalid debt based on years of unauthorized charges, and IC System is attempting to collect it in violation of federal law. 

I used XXXX briefly in XXXX. After I no longer needed the service, my credit card expired. I received no bills, no notices, and no invoices of any kind after that point, and the account should have been closed. 

XXXX has since admitted to me in writing that the account remained open for years despite failed billing, no authorization, no payment method on file, and no communication with me. They also claimed they continued to provide service during this period, despite having no valid authorization and no consent from me. This is not legal for a month-to-month service. 

Later, without my permission, XXXX obtained my new credit card number through a card-updater system and attempted multiple unauthorized charges for many thousands of dollars. XXXX flagged at least one of these as fraud and declined several others. Some earlier charges may have been processed without my awareness for which I am working with XXXX directly to identify. 

This month and some many years after the service ended, IC System began attempting to collect a balance of {$6400.00} made up entirely of unauthorized charges, nonexistent service, and unlawful recurring billing. XXXX attempted to settle the alleged debt for 50 %, which further suggests the balance is invalid.

I have already formally disputed the debt with IC System and provided documentation by Certified Mail. I am filing this complaint because this situation involves potential violations of : FDCPA 1692e, 1692f, 1692g ( b ) - Regulation Z recurring billing authorization rules- unauthorized credit card charging - failure to provide notice of billing or delinquency - attempting to collect an unenforceable and improperly created debt I want to note that I am unable to upload any contracts, invoices, billing statements, delinquency notices, or payment authorizations because none were ever provided to me by XXXX. 

They have never sent me a single invoice, bill, statement, notice of failed payment, or notice of any balance due in all the years since my credit card expired. There was no contract beyond a month-to-month service, and no renewed authorization was ever obtained.

The absence of documents is part of the issue the company never supplied any of the required disclosures or billing records and is attempting to create and collect a balance without any supporting documentation.

I have uploaded a recent conversation I had with XXXX that shows their attempt to bill a dormant account and later try to collect on it.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> My account was hacked on chime. I was asleep and I woke up by XXXXXXXX XXXX and I checked my bank account with chase and see my money being transferred out of my chase account to my chime account. I did not authorize theses transactions and I have proof. Who ever hacked into my account was able to change my passkey and remove my email from chime account and change my phone number. I lost access to my account I couldnt login I had to called chime to regained access to my account. The same day I filed a dispute for these unauthorized transactions with chase and chime. Both of my claims are being denied. I also filed a police report. Chime is denying my claim and their responsible for this to happened. No one should be able to change my information on my chime account. I have screenshots of my information being change without my knowledge. I am out of {$730.00} due to these unauthorized charges. This has cause a lot of stress for me and my family

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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: OK

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-11-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and these companies pulled my credit without my consent or authorization. I do not recognize these fraudulent inquiries, I did not apply to these companies, and I never granted permission for my credit to be accessed. This is a clear violation of my rights as a consumer, and it is deeply upsetting and insulting to experience something like this as a law-abiding individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, OneMain Financial funded an installment loan at 21.82 % APR.

The Truth-in-Lending disclosure box left the late-fee percentage and dollar amount blank, violating 12 C.F.R. 1026.18 ( I ). The lender also financed {$1400.00} of credit-life, disability, and unemployment insurance14 % of the loan proceeds- while claiming the purchase was voluntary.

This identical practice was cited in the CFPB 's XXXX consent order against OneMain. I mailed a certified rescission notice under 15 U.S.C. 1635 ; the company has not yet cancelled the loan or released the security interest. The same blank late-fee language appears on two earlier loans from XXXX, showing a pattern of systemic disclosure failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MA

Complaint narrative:
I am filing this complaint regarding the conduct of : XXXX XXXX XXXX XXXX ( financing company ) XXXX, owned and operated by XXXX XXXX ( service provider ) Summary of the Issue On XX/XX/2025, I financed a {$1900.00} package through XXXX XXXX XXXX XXXX, with monthly installments of {$85.00} for 24 months. This financing covered a package of fifteen ( 15 ) post-operative massage sessions to be provided by XXXX. However, XXXX delivered only six ( 6 ) sessions and then became unresponsive, ultimately ceasing to provide any further services.

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 2025-11-28 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: MA

Complaint narrative:
I am filing this complaint regarding the conduct of : XXXX XXXX XXXX XXXX ( financing company ) XXXX, owned and operated by XXXX XXXX ( service provider ) Summary of the Issue On XX/XX/year>, I financed a {$1900.00} package through XXXX XXXX XXXX XXXX, with monthly installments of {$85.00} for 24 months. This financing covered a package of fifteen ( 15 ) post-operative massage sessions to be provided by XXXX. However, XXXX delivered only six ( 6 ) sessions and then became unresponsive, ultimately ceasing to provide any further services.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I sent validation letters to XXXX XXXX XXXX from XXXX till XXXX. I sent validation letters to all three credit bureaus, and all they sent me was credit card statements, but no validation XXXX and XXXX has not proved that they even owned the debt. I have several charge offs I have Different account numbers for one account on my credit report. I have different names addresses employers on my credit report, I asked for then to be take off the different names and addresses and employers that dont go belong to me, but to no avail theyre still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account : XXXX XXXX Acct # XXXX To Whom It may Concern, I recently received a copy of my credit report, and found proof that XXXX, XXXX  and XXXX  are illegally reporting inaccurate information about me. The following alleged collection account is being listed as a PAST DUE Balance of {$690.00}. This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
Sent money via transfer on XX/XX/year> to a business that was supposed to help me with my veterans disability claims. I paid in total {$6500.00}. This business / individual is committing fraud. They are preying on veterans and not upholding their contract. I reached out to Navy Federal to help file a claim and they said they can not do anything since this was a transfer to a Navy XXXX  member and not a transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
There is a XXXX account impersonating me asking for money with a fake cash app that I did not open. This person is scamming people using my name and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cash app username is @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MO

Complaint narrative:
I recieved my first contact from IQ data XXXX  today, never sent a letter or other phone call. I was a cosigner on an apartment and there was a balance owed for damages that they are trying to collect. They kept demanding payment today, to confrence in the my kids who were the tenants, i kept saying i wont do that while they are at work, they kept pushing for me to call them or to pay, and then threatened that if its not paid today they will send it to my credit on sunday in less then 2 days and have it impact my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 a victim of identity theft, and the credit reporting agencies have repeatedly failed to correct inaccurate information on my credit file. My personal information has been compromised multiple times through data breaches involving credit agencies, which has resulted in fraudulent and unauthorized accounts appearing on my credit reports. 

Since XXXX, I have been disputing multiple accounts that do not belong to me. Despite providing documentation, submitting disputes, and repeatedly requesting investigations, the information has not been corrected. These unresolved inaccuracies continue to harm me, and the credit reporting agencies have not fulfilled their obligations to conduct reasonable investigations under the Fair Credit Reporting Act. 

The accounts in question are listed in the attached documents. I am requesting that the CFPB review this matter, require a proper reinvestigation, and ensure these fraudulent accounts are removed from my credit file.

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