vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WI

Complaint narrative:
Today I tried to access my account on my Net Spend debit Card but XXXX XXXX ask for personal info. like enter account # or XXXX up to 3 times and decline me my information on my balance account. They kept telling me enter account on of Government account Card and I never applied for a Government debit Prepaid Card. I had been using Net Spend Card since XXXX present. Now I feel I'm being Scammed from accessing my funds from Net Spend prepaid debit Card. Please help me by Auditing their business and hold them accountable. Thanks 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 2025-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX, I sent the firm a certified mail, see XXXX. It clearly states I am disputing this amount and the reason why I am disputing the amount. On XX/XX/year> I receive a second notice letter. I ignore it as I feel like it could be a system error. After receiving a third notice, I sent a second certified piece of mail, see XXXX on XX/XX/year>. Thereafter, the company actually verified my debt. After sending the proper paperwork in showing there is an issue on the XXXX system, I havent received any documentation. Should I receive a letter stating the debt has been settled, cancelled, or 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 2025-12-12 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CreditNinja Lending, LLC
State: SC

Complaint narrative:
On XX/XX/2025 around XXXX XXXX  my mail lady delivered a certified letter from XXXX XXXX XXXX. Once she showed it to me you could clearly see that my alleged debt account number with them was clearly exposed through the transparent envelope window under my address. Once we seen this, she held the piece of mail and photos were taken. Also the day before on my informed delivery online with the XXXX, you could clearly see the account number. I immediately took photos of that also. After taking photos, I opened the mail and I have emailed the company a letter with photos explaining they violated my privacy, that letter will also be sent to them by certified mail

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 2025-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Re : Request for Removal of Outdated or Inaccurate Personal Information Under the FCRA To Whom It May Concern, I am writing to formally request the removal of outdated and inaccurate personal identification information appearing in my credit file. This includes old names, previous addresses, and former employers that are no longer associated with me and do not match the identifying information provided on my government-issued ID or my current proof of address. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must maintain accurate and current personal identifying information. Outdated or incorrect personal data can create confusion, increase the risk of identity mix-ups, and fails to meet the accuracy requirements set forth under federal law. 
Please remove the following categories of outdated personal information from my credit report : Any former or misspelled names Any previous addresses not matching my current proof of residency Any previous employers no longer associated with me Enclosed with this letter are copies of my government-issued identification, Social Security documentation , and proof of my current address to verify the correct information that should appear in my credit file. 
Please update my file to reflect only my current and accurate personal information and provide written confirmation once these outdated entries have been removed. 
Thank you for your prompt attention to this matter.

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 2025-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Forsythe Finance, LLC
State: MI

Complaint narrative:
Received a Summons for Collection of a Debt. UnSecured, Sent a Certified Letter Return Receipt Requested. XX/XX/year>. Validation of Alleged Debt, Requested Validation of this disputed Debt. They put their information on my Credit Report. This Forsythe Finance LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WI, XXXX XXXX, Sent this request, It is now XX/XX/year>, They have Refused my Request. I was served a Court Order to Appear from XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX XXXX I appeared by XXXX. This court order signed by XXXX XXXX XXXX XXXX XXXX was also to appear. She did NOT, Now I am forced to take 2 of my Social Security Checks to pay for Attorney to File Bankruptcy XXXX  XXXX. This law firm Purchased this unsecured Debt, They Do not have Discovery or my Signature on a Single piece of paper in the entire World.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: POWERPAY, LLC
State: MN

Complaint narrative:
All of my monthly payments from the start have included overpayments which I indicated to go to the principle. XXXX XXXX  payment was mailed and it took a longer time then usual to clear my bank and when it did it was after the due date. XXXX XXXX XXXX XXXX. I contacted them and they indicated that they were in the process of updating their system and there was no problem. A couple days later it cleared the bank. Subsequently I contacted them and requested that they provide me either by email or hard copy copies of all of my monthly account statements since the beginning of the loan up and through the recent one. They said they would forward this request to management. I never heard back from them. I have hand written notes of the various times and dates that I have called, emailed, send chat messages to them and to no resolution. Their answers are always that they are updating their systems, and they'll forward my request. Within the last couple weeks they have their phone system roll to either a call back que system which is never responded to or it rolls to voice mail with no response. I have made all my payments ( XXXX so far ) on time and all have included over payments. I recently got a statement dated XX/XX/year>, due date XX/XX/year> indicating that it is from a debt collector, " This is an attempt to collect a debt and any information obtained will be used for that purpose '' XXXX XX/XX/year> {$97.00}. The payment for this month was already made and the check cleared the bank XX/XX/year>. I called them and they told me to disregard the letter, and my account was fine. At that time I again requested copies of all statements and they indicated that they were updating their system ( yet? ) and they would forward my request to management. As of today still no resolution to my request.

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 2025-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NM

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute and debt validation request to MRS BPO , LLC regarding an alleged debt originally tied to XXXX XXXX XXXX. I explained that the debt was previously resolved and requested documentation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ). 
When no response was received, I sent a second written follow-up reiterating my request for debt validation, including proof of original contract, itemized account details, assignment of debt, and licensing to collect in my state. 
Despite these good-faith efforts, MRS BPO has failed to provide any response or documentation, and the unvalidated debt continues to appear on my credit reports, causing harm to my creditworthiness and peace of mind. 
I am now seeking the CFPBs assistance to compel compliance with federal law, remove the false reporting, and halt any further collection attempts.

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 2025-12-12 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XXXX writing to file a complaint regarding MoneyGram and repeated cancellations of my wire transfers.

I have used MoneyGram for over a year to send wires to the same recipient/account with no issues. Recently, however, my wire transfers have been cancelled without a clear reason or valid explanation. Based on my interactions with MoneyGram support, it appears there may be internal interference, and I am concerned someone within MoneyGrampotentially connected to their overseas call center operationsis cancelling my transfers.

I do not appreciate being treated this way, and I am concerned this may be discriminatory or otherwise improper. MoneyGram has not provided consistent, specific reasons for the cancellations, nor a clear path to resolution. This has caused delays, disruption, and stress. 

I am requesting CFPB assistance to : XXXX. Investigate why these transfers are being cancelled after a long history of successful transfers to the same recipient/account, XXXX. Require MoneyGram to provide a clear written explanation for each cancellation, including the policy basis and any flags or verification issues, XXXX. Ensure there is no improper internal activity affecting my transactions, and XXXX. Restore my ability to complete legitimate transfers without arbitrary interference. 
XXXX. This is discrimination because people do not like that I pay my rent. This is not appropriate to do this to me. 

Details I can provide upon request include : transaction dates, amounts, reference numbers, screenshots, and the names/records from customer service interactions. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: WV

Complaint narrative:
I received a denial letter from AmeriSave for a refinance loan that I never authorized. I never once contacted this company to have the initiate anything nor did I give my express written consent for a credit pull.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Ark Auto Solutions
State: AZ

Complaint narrative:
Subject : Formal Complaint Coercive Auto Loan Origination and Warranty Failure Company : Ark XXXX  Auto Solutions Complaint : I am submitting this complaint regarding Ark XXXX Auto Solutions for unfair and coercive auto lending practices.

I originally financed a truck through Ark XXXX  Auto Solutions. Within approximately six months of purchase, the engine seized. During that period, I brought the vehicle to the repair facility associated with Ark XXXX  on three separate occasions. Despite the purchase of a warranty, the engine failure was not properly resolved, and warranty coverage was denied. 

After the engine seizure, Ark XXXX  informed me that the only way to cancel or resolve the original loan was for me to purchase another vehicle. I was directed by Ark XXXX  to a specific dealership of their choosing and required to finance a replacement vehicle through them. I was also required to purchase an additional warranty, despite the prior warranty failure.

I did not want to purchase a second vehicle. However, I was without transportation, needed a vehicle to maintain employment, and felt pressured into the transaction as the only option presented to me. I no longer had possession of the original truck, and the original loan was cancelled only upon my acceptance of the new loan.

I believe this transaction was the result of coercive and unfair lending practices, including conditioning loan cancellation on the purchase of another vehicle, steering me to a specific dealership, and exploiting my financial necessity and lack of reasonable alternatives.

I am disputing the validity of the current auto loan due to the manner in which it was originated and the circumstances under which I was compelled to enter into it. I am requesting a formal review of Ark XXXX  Auto Solutions conduct, including their loan practices, warranty handling, and consumer disclosures.

I am seeking relief and resolution through appropriate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I am requesting that the debt collector stop calling and harassing me. Despite my repeated requests for accurate information, the company has provided false or inconsistent details about the debt. Each month, my bill has been unusually high and does not match the information they previously provided. Their frequent and aggressive phone calls have become disruptive and XXXX, especially after I asked them to communicate in writing only. I am requesting the CFPBs assistance in stopping the harassment and ensuring the debt collector provides accurate, verified information in compliance with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: WA

Complaint narrative:
Money was transferred using the Abound XXXX App with the following details : Transfer Amount : XXXXXXXX XXXX Transaction Charge : XXXX XXXX  Date of Transaction : XX/XX/year> Transaction ID : XXXX Promised Delivery Date : XX/XX/year> Status : Not delivered as of XX/XX/year>, XXXXXXXX XXXX 

The company keeps changing the delivery date of the transfer, and on XX/XX/year>, they marked the transaction as delivered. When I raised a request, they asked for my XXXX XXXX  statement as proof that the funds were not received. I shared the details on XX/XX/year>. They then worked with their banking partner and provided a XXXX XXXX XXXX ) for me to track with my bank. This was unusual to begin with. After I checked with my bank and informed them that it could not be traced, they continued asking for an additional XXXX business days each time. 

On XX/XX/XXXX, they sent another email stating : As per our banking partner team, the transaction has been delivered. Please check at your end and share a bank statement if not received. 
I immediately responded with the statement, and now they are again asking for another XXXX business days, putting the case back into a loop. 

I tried contacting customer support through the following channels : XXXX. The app ( I received a response only the first time ; afterward it always shows high volume ) XXXX. Email XXXX. XXXX chat with Abound

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I originally was contacted on XX/XX/2025 around XXXX XXXX. I advised the representative that I revoke consent for them to contact me and to send all correspondence through the mail, to the mailing address on file. 
After the first Call, where I revoked permission to contact me, I was additionally contacted on XX/XX/2025 XXXX XXXX  / XX/XX/2025 XXXX XXXX  and today XX/XX/2025 XXXX XXXX  where I told the representative that I was going to file a formal complaint for harassment and not to contact me anymore.

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 2025-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-12 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: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation