vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OM Financial, LLC
State: FL

Complaint narrative:
I am filing a complaint against Patria Lending LLC, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, OK XXXX, which claims to operate under the XXXX XXXX XXXX XXXX 

On XX/XX/2025, I was issued a {$750.00} personal loan by Patria Lending LLC with a disclosed annual percentage rate ( APR ) of 699 %. I reside in Florida, and the loan was executed online while I was located in XXXX, Florida. 

This company claims XXXX XXXX  and states that state and local laws, including Floridas usury caps, do not apply. However, I am not a XXXX XXXX, and the loan was made off XXXX XXXX  I believe this loan violates Floridas consumer-lending and usury laws and should not be enforceable under state law.

I have revoked authorization for Patria Lending to debit my bank account and have opted out of their arbitration clause as permitted in their agreement. I am disputing the validity of the loan beyond the principal amount borrowed.

I request the CFPB to investigate Patria Lending LLC for predatory and unlawful lending practices, misrepresentation of legal jurisdiction, and possible violations of the Truth in Lending Act ( TILA ) and Electronic Funds Transfer Act ( EFTA ). 

Loan details : - Loan Date : XX/XX/2025 - Amount Financed : {$750.00} - APR : 699 % - Total of Payments : {$2700.00} - Creditor : Patria Lending LLC ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FEDChex Recovery, LLC
State: NJ

Complaint narrative:
Im requesting the method of verification used, including the name of the furnisher you contacted and copies of any documents used to verify all the aforementioned accounts. As per section 611 ( a ) ( 7 ) of the fair credit reporting act, you have failed to provide the required method of verification and supporting documentation for this account. I demand this account be deleted immediately from my credit report.

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

Complaint narrative:
Dear Santander Consumer USA, I hope this letter finds you well. I am writing regarding my account referenced above, which has been fully paid and closed. I want to sincerely thank you for your assistance and for providing me the opportunity to resolve this account. 

As I continue working to rebuild and strengthen my credit, I kindly ask if you would consider a goodwill deletion of this account from my credit reports with all major credit bureaus. While I understand that accurate reporting is required, I am requesting this purely as a gesture of goodwill. 

Removing this account would greatly help me in my efforts to improve my financial standing, and I would be truly grateful for your understanding and consideration. 

Thank you again for your time, understanding, and support. I appreciate your attention to this request and look forward to your favorable response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies and furnishers for reporting inaccurate and misleading information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These items listed below are being reported incorrectly and are causing serious harm to my creditworthiness, financial stability, and personal reputation. I have previously disputed these items, but the reporting agencies have failed to conduct a lawful reinvestigation as required by law. Each item below contains factual inaccuracies, and I am requesting a full investigation by the CFPB into these unlawful reporting practices. 

XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account falsely shows late payments despite having a zero balance, which misrepresents my payment history. Reporting an account as delinquent without proof violates 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ), which require accuracy and deletion of unverifiable data. No evidence from the furnisher has been provided confirming any late payments. Continuing to report this false information damages my creditworthiness and violates the FCRAs accuracy and reinvestigation standards. This account must be permanently deleted if full verification can not be produced. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Charge Off * * This charge-off is being reported inaccurately and without valid documentation. Under 1681e ( b ) and 1681i ( a ) ( 2 ), the furnisher must provide proof of charge-off, yet no such record has been produced. Reporting unverifiable charge-offs violates the FCRA and misleads creditors about my payment reliability. Keeping this false data after multiple disputes shows willful disregard of federal law. TransUnion must delete this account immediately if proper validation from the original creditor can not be provided. 

I request that the CFPB require the furnishers and credit bureaus to remove or correct all inaccurate information associated with the above-listed, verify their compliance with FCRA procedures, and provide written confirmation of corrective actions. I also request an official record of this complaint and enforcement measures taken against noncompliant entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I discovered a new account that was opened and showed up on my credit report. It was opened without my knowledge, I reported it to the credit card company, credit bureaus, and reported identity theft. 
Credit card company requested a police report, which I filed with the police and submitted it to the credit card company on XX/XX/XXXX. I called them today XX/XX/XXXX and they denied my claim.

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 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Global Processing Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, has sold the debt to a debt collector, they are global processing and they use tacit of intimidation of you being served with paper work they call you acting like they are some type of law enforcement calling themselves officers. Calling all my family member 's and work also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to make a payment on my XXXX credit card XX/XX/XXXX using my digital bank account. The payment amount was {$1400.00} but the system stated it couldnt accept my form of payment so I cancelled the payment. I then tried using the same bank but this time inputting the bank account number and routing number and the payment was accepted but didnt post to my credit card as it was in scheduled status. 

I then checked my bank account and the funds were taken out of my bank account on the same day, XX/XX/XXXX. 

I called and asked if my funds could be released and was told that because I used a different bank account the funds would not be released until the next business day. Being that this was now Monday and XXXX XXXX was Tuesday I wouldnt get access to my funds until Wednesday. I said okay. I then woke up on Tuesday, XXXX XXXX, to an email stating that my funds were being held until now XX/XX/XXXX. When I called to ask why I was told it was because I cancelled a payment ( I was forced to cancel due to the payment portal not accepting my form of payment my debit card ) and because I paid over my credit limit ( my card was charged over my credit limit and so I made my payment to cover my limit and the overdrawn amount ). 

Please note that this was the second payment I had made for this credit card in the month of XX/XX/year> so the process of releasing my funds should not have been an issue. 

When I stated I wanted to file a complaint I was told that I may or may not hear from the higher ups but that they would get my verbal complaint.

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

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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

Complaint narrative:
This account is fraudulent and I want this removed from my credit report immediately XXXX XXXX XXXX XXXXXXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This account is fraudulent and I want this removed from my credit report immediately XXXX XXXX XXXX XXXXXXXX. This inquiry is not authorized. Please remove it from my credit report immediately XXXX XXXX XX/XX/year>.

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 2025-11-11 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: SC

Complaint narrative:
This account has not been properly verified or validated. Please update the payment status to paid as agreed, never late. 
Legal Definition of a Credit Card and Applicability of 15 USC 1666b : According to the Truth in Lending Act ( 15 U.S. Code 1602 ( k ) ), a " credit card '' includes any card, plate, or other credit device used to obtain money, property, labor, or services on credit. My Social Security card qualifies as a " credit device '' under this definition and was used to open the accounts associated with the disputed late payments. As such, 15 USC 1666b applies, which prohibits creditors from treating payments as late if they were not properly processed. The late payments reported on my credit file were inaccurately processed, and these entries should be removed immediately. XXXX XXXX XXXX Bank XXXX Massachusetts : In XXXX XXXX XXXX Bank XXXX Massachusetts, the court ruled that providing mere account statements is not sufficient proof of a late payment. To validate such claims, creditors must provide the following : XXXX of XXXX XXXX. XXXX XXXX XXXX XXXX : Logs showing when my payments were processed and any errors or delays that may have occurred. 
XXXX. Proof of Proper Billing Practices : Documentation demonstrating that my payments were processed according to the agreed-upon terms. 
XXXX. Evidence of XXXX : Any correspondence between the creditor and myself regarding the alleged late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
This account has not been properly verified or validated. Please update the payment status to paid as agreed, never late. 
Legal Definition of a Credit Card and Applicability of 15 USC 1666b : According to the Truth in Lending Act ( 15 U.S. Code 1602 ( k ) ), a " credit card '' includes any card, plate, or other credit device used to obtain money, property, labor, or services on credit. My Social Security card qualifies as a " credit device '' under this definition and was used to open the accounts associated with the disputed late payments. As such, 15 USC 1666b applies, which prohibits creditors from treating payments as late if they were not properly processed. The late payments reported on my credit file were inaccurately processed, and these entries should be removed immediately. XXXX XXXX XXXX Bank XXXX Massachusetts : In XXXX XXXX XXXX Bank XXXX Massachusetts, the court ruled that providing mere account statements is not sufficient proof of a late payment. To validate such claims, creditors must provide the following : XXXX of XXXX XXXX. XXXX XXXX XXXX XXXX : Logs showing when my payments were processed and any errors or delays that may have occurred. 
XXXX. Proof of Proper Billing Practices : Documentation demonstrating that my payments were processed according to the agreed-upon terms. 
XXXX. Evidence of XXXX : Any correspondence between the creditor and myself regarding the alleged late payments.

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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Sunday night, XXXX, I had a balance of around {$2.00} in my PNC account. I added this account to XXXX XXXX and transferred {$27.00} into PNC. After the deposit, I sent my friend {$3.00} from that balance and have not spent any additional money since. 

Two days later, I woke up to see my account showing a negative balance. I called customer service the first representative hung up after I explained the problem. The next agent told me to call XXXX XXXX and said it was their issue. When I spoke to a supervisor, he claimed I had a negative balance on the day I got paid, even though I never saw any negative balance and it didnt affect my paycheck. 

When I asked what caused this supposed negative balance, he listed purchases I made after the deposit, which doesnt make sense. I repeatedly asked for clarification, and he eventually admitted my transactions were processed separately for credits and debits. From my point of view, it feels like the transactions were reordered in a way that created a false negative balance. 

I still have no clear explanation as to why my account went negative after only spending {$3.00} from a {$27.00} deposit, and customer service did not provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: NV

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 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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a debit card dispute on XX/XX/year> with Wells Fargo for a charge of XXXX $ to " XXXX XXXX XXXX XXXX XXXX. I did not receive the full services I paid for. Wells Fargo closed my claim without proper investigation or written explanation, which violates Regulation E under the Electronic Fund Transfer Act.

I have evidence including a public google review where both I and the merchant confirm that I did not receive what I paid for, I am requesting that Wells Fargo reopen my dispute and refund the amount owed.

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