vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Capital Services, LLC
State: PA

Complaint narrative:
The company called me and asked me about a death that they supposedly spoke to me before. They knew the last XXXX digits of my so security number and they knew my address and that I have XXXX children, the email address that they gave me they kept changing it, but it's not my email address. It's I think from somebody that I know, but it was from like somebody I dated 5 years. Ago and I tried to explain that to them because the debt was supposedly less than 4 years ago and so. I was trying to get information about it because either they're making it up and it's a scam. Or my information was stolen and I think that that's information that I need to know so that I can report it as fraud. And even though I was talking to them, politely and just asking questions, they refused to ask my questions and started saying that I was being rude and I was being nasty with them and I wasn't, I wasn't even raising it. I didn't raise my voice. I didn't swear nothing. And then they just kept repeatedly hanging up on me and saying, they were just going to send me an invoice and that they were marking it as a refusal to pay when all I'm trying to do is get information. Because it wasn't me and I need to know how to report it as fraud. And they refused to give me any information and they'd keep hanging up on me. The company says they're based out of Nevada and their name is structured settlement.That 's a destruction settlement, and they won't give me any information whatsoever.That will help me.No.No nothing and it's definitely fraud or it's a scam so I don't know what to 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a personal loan with LightStream. The interest rates on these personal loans are extremely high, and LightStream does not provide a clear or transparent option through its online portal to allow borrowers to apply extra payments directly toward the principal balance. 

I made two one-time payments of {$5000.00} each with the clear intention of reducing my loans principal in order to minimize the total interest paid over time. However, LightStream applied those payments as future monthly installments instead of principal reduction. This results in continued accumulation of interest as if those payments had not been made to reduce the outstanding balance. 

This practice appears to be designed in a way that causes the consumer to pay more in interest over the life of the loan, even when making significant additional payments. It is misleading and unfair. 

Furthermore, LightStream 's platform does not allow for same-day payments. Payments must be scheduled for a future date, even when funds are available immediately. This delay results in additional interest accruing unnecessarily. The borrower is penalized by being unable to make an immediate payment toward their balance. 

I contacted LightStream customer service requesting that these extra payments be reapplied directly toward principal, and I was told that this is not possible.

I respectfully request that the Consumer Financial Protection Bureau investigate these practices, and that LightStream be required to allow borrowers to apply additional payments directly toward principal through a clearly labeled and accessible option on their online platform. Additionally, LightStream should not restrict borrowers from making immediate same-day payments toward their loan balance. 

I request that my {$10000.00} in extra payments be correctly applied to the loans principal, and that any unnecessary interest charges resulting from the misapplication and payment delays be reversed. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I haven't received any response from the Bureaus in over XXXX  days, and it seems like my concerns are being ignored. According to Section 611 ( a ), if they don't look into these issues within that period, they should be taken off my credit report. Sadly, it's been more than a month, and none of the accounts have changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
XXXX XXXX XXXX PROBLEM : Duplicate Loan Processed without our knowledge Received student loans through XXXX. I currently pay on my student loan. A while ago, credit score dropped significantly. Found a second student loan under ED Financial. 
XXXX XXXX XXXX. ( NOW CLOSED due to misappropriation of funds and low enrollment ) I attended in the fall of XXXX into summer of XXXX when I graduated. It appears as we are investigating that the school somehow took out a SECOND student loan which disbursed like amounts around the same dates as the original. The original loan was done through XXXX as a Direct Plus ( parent ) Loan. Credit states I am in default under ED Financial which is a subsidized and unsubsidized loan.

We have been trying to get additional information. Transcripts were transferred to XXXX XXXX XXXX. Receivership was established ( Address and email below ) XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We contacted them. They reported to me that the servers went down prior to the college closing and they have no access to financial documents. Only one loan servicer is to be involved when student loans are applied for. We believe somehow the college took out a second loan in my name. Can you please help me? 
XXXX promissory note signed on XX/XX/XXXX, then strangely the ED Financial promissory note was signed electronically about 40 mins later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank unexpectedly closed all my accounts, and I am not able to withdrawal any funds on XX/XX/year>. I was told I needed to wait for a letter which took one week to receive. It said I violated Citi policies. What was the violation- they will not disclose it and I have no idea. I was told they are investigating, and it would take 30-60 days to receive a check. I can't wait that long without access to cash. Every time I call Citi it takes me 1 hour to get a person on the line, and they keep telling me I must wait the 30-60 days for a check with no explanation.

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 2025-08-28 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: VA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-28 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: 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 2025-08-28 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: NC

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 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 2025-08-28 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: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-28 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: TX

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as a result of 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 non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and would like these accounts removed as a result of 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Category Selected : Debt Collection Sub-category : Attempts to collect debt not owed / Incorrect information on credit report Company Name : Ability Recovery Services , LLC Company Address ( optional but helps ) : XXXX XXXX XXXX XXXX, PA XXXX Complaint Statement : I am filing this complaint because Ability Recovery Services , LLC is reporting an alleged debt on my TransUnion credit report in the amount of {$2500.00}, account opened XX/XX/year>, under the name ABLTY RECVRY.

I have never received a valid debt validation notice as required under the Fair Debt Collection Practices Act ( FDCPA ) 809. The company has failed to provide proof that this debt belongs to me or that they are legally authorized to collect it.

Additionally, under the Fair Credit Reporting Act ( FCRA ) 623, a furnisher of information must report accurate and verifiable information. This account appears inaccurate for the following reasons : No documentation linking me to the original creditor has been provided.

No signed agreement or billing statements have been sent despite requests.

The amount appears inflated and unverifiable.

Because of this reporting, my credit has been negatively impacted. This is causing me harm in seeking housing, credit, and financial stability.

I am requesting that the CFPB require Ability Recovery Services , LLC to : 1. Immediately provide full validation of this alleged debt ( including the original creditors name, proof of assignment, and a full payment history ).

2. If they can not validate, delete this account from all credit reporting agencies ( XXXX XXXX XXXX ).

3. Cease any further collection attempts that are not fully compliant with federal law.

I also request that this complaint be kept on record as evidence of noncompliance with the FDCPA and FCRA.

What resolution I am seeking : Removal of this inaccurate collection account from all credit reports Written confirmation that Ability Recovery Services , LLC has ceased collection efforts unless proper validation can be produced

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is a debt by Resurgent, the debt. The original debt XXXX XXXX and formerly owned by LVVN. I am disputing was formerly owned by another company. I am formally disputing the account based on them trying to collect on a charged off account. 

This debt was sold to them and it was third party. The debt is time barred under state law and therefore unenforceable. Reporting or continuing to list this account is inaccurate and illegal, misleading, and violates the FCRA ( 15 U.S.C. 168s-2 ). 

As a consumer, I want to remind your agency of the chaos we have with greed in this country. As your duty, I expect you to not only help this to get resolved but to be my advocate since I am the consumer and YOU ARE THE CONSUMER AGENCY THAT IS ASSSIGNED TO HELP CONSUMERS!!! You know that this should not be your aim to profit from this information from the tradeline and inform them to leave me alone and legally stop trying to collect on a 3rd party charge off account. 
Please provide me with written confirmation once this account has been removed please XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

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  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In my other recently filed complaint I feel you were unfair in your decision, as I feel you did not do a thorough investigation. As before mentioned, and in the phone interview I stated that I mistakenly gave the security code, BUT I also stated I IMMEDIATELY CHANGED my account logon information. The account that I am disputing was opened AFTER the date I spoke with you in reporting other fraudulent activity. During this time I spoke with one of YOUR fraud investigators and she even told me that SOMEONE FROM XXXX had opened the account AFTER I called and informed your company of my mistake in hopes to prevent this situation. As I called multiple times regarding the situation on the movement of money and asked for your assistance to prevent the overdraft charges your company did nothing to help. As for this incident is not the only issue that I have had from this person in XXXX. 

As for I never gave any other information to anyone and now that I am in the fraud and identity theft situation and about to become homeless because of you putting me on the High risk consumer list I can not access my home equity so I can pay my bills to prevent the homelessness of me and my XXXX yr old mother in XXXX degree weather. All I am is asking is for help to allow me access to home equity, and removal of the high risk consumer. There literally is no other help I can get I have asked and researched and tried but because of that and my credit score being to low this is my last option. I have been a customer with you for 20 years and have always been on good standings until this incident. Please I am begging for help, isnt there something you can 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 explanation