vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I booked a desert tour in XXXX XXXX XXXX for me and my family including XXXX children. It was supposed to be an 8 hour tour of the desert with stops in the oasis and camel farm. 4 hours into the tour a driver wanted to go over a bump on the side of the road covering telecommunication cable. He misjudged the height of the bump and hung the car over it. We were stuck in this place for 4.5 hours until dusk. We were not provided any drinks which were promised in the contract nor any information about how the situation would be addressed. No one from the company ever reached out to us to make sure if we were ok or to let us know about what was being done. After 4.5 hours finally someone showed up to tow the car. The rest of the trip we were driven in the darkness and finally after 12 hours we were brought back to the hotel. The next day XXXX from the tour company contacted me with apologies and asked how they could rectify the issue. When I asked for the refund they agreed and promised that someone would reach out to me shortly. As no one reached out to me and the company including XXXX stopped responding to my enquires I contacted American Express to dispute the charge. The merchant responded to the dispute saying that the service had been delivered and it has been past the cancellation period (! ). That simple statement completely unrelated to what actually occurred was sufficient for Amex to side with the merchant. Dispute was denied and Amex didn't bother with investigating what actually happened leaving their loyal customer of 30 years hanging out to dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: OH

Complaint narrative:
This was one of my first vehicle so i wasnt as knowledge about how bad the loan is. They trapped me with a used XXXX  XXXX XXXX XXXX with XXXX mile roughly XXXX  monthy payments at a 24.98 % apr. When i first got the car i had XXXX credit roughly, good job, no car history ( even tho that dont matter ), and a co borrower with just about the same info as me which is XXXX credit, good job, no bad history/ car history. this was roughly a year ago we both was XXXX young and ill informed. they made it seem like since we had no car history this is the only loaner that will take us ect. I didnt say nothing yet because im just now learning how bad the loan is now that im trying refinance the car. No refinancer wouldnt understandable help me without a huge down payment like XXXX because of how much negative equity is in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts UNAUTHORIZECOLLECTION  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$600.00}

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 2025-06-06 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: NJ

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts UNAUTHORIZECOLLECTION  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 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 ] 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Against MoneyLion for Unlawful Retention of Funds To Whom It May Concern, I am filing this complaint against MoneyLion regarding my account ( Account Number : XXXX ), which was closed by the company on XX/XX/year>. As of the date of closure, the account held a balance of {$5000.00}. I have made multiple attempts to contact MoneyLion and request the return of my funds. However, they continue to withhold the money, stating I am not eligible to receive it. 

I have provided written confirmation and an indemnity letter ( attached ) clearly stating : I am the rightful owner of the funds. 
There is no fraud or legal dispute associated with the account.

I can prove the source of all deposits made into the account as legal and valid.

Despite this, MoneyLion has not taken any steps to return my funds, nor have they provided a clear explanation or timeline for resolution.

I am requesting your immediate assistance to investigate this issue and ensure that my funds are returned without further delay. This withholding of funds is unfair and potentially unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
This is to notify you that Ive been a victim of a data breach, and fraudulent accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I ask that the following accounts be blocked and deleted within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$00.00} Inquiries XXXX  XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
TransUnion is currently reporting multiple derogatory accounts as charge-offs or collections, all of which I dispute as inaccurate and incomplete. These accounts include : XXXX  XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), listed as a charge-off with a balance of {$500.00} dated XX/XX/XXXX. 

XXXX XXXX XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), reported as a collection dated XX/XX/XXXX with a balance of {$210.00}. 

XXXX XXXX XXXX XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), reported on XX/XX/XXXX with a charge-off balance of {$750.00}. 

These negative accounts have not been properly substantiated with verifiable and accurate records. The age of the XXXX  XXXX entry raises concerns of outdated and potentially stale information, while the XXXX XXXX and XXXX XXXX entries lack any accompanying documentation proving the legitimacy or origin of the debt. I have not received any original records or communication from the furnishers showing validation of these amounts or the accuracy of the reported statuses. 

TransUnion has a legal obligation under the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, to conduct a full and reasonable reinvestigation of any disputed item. Furthermore, any data that is found to be inaccurate, unverifiable, or misleading must be deleted from the consumers credit file under 15 U.S.C. 1681i ( a ) ( 5 ). Reporting derogatory information without ensuring its accuracy and proper validation is not only unfair but contributes to unwarranted credit harm.

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 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
The Federal Truth in lending disclosure for this loan says the amount I was financed was {$21000.00} and that the total payments would be {$41000.00}. The problem is that my payment schedule on the Truth in lending disclosure says I would make XXXX payments of {$570.00} of my own money which equals the same {$41000.00} for the total payment. Beginning XX/XX/XXXX I made XXXX payments of {$570.00} which didn't reflect on my credit report. At that time I realized that XXXX XXXX XXXX in addition to never directly crediting {$21000.00} to my share account, or providing a check or cash for actual use they never provided that credit of {$21000.00} on my behalf for my benefit. If a credit in the amount of {$21000.00} was made available for me to be able to discharge my obligations owed I shouldn't have had to make XXXX payments of {$570.00} of my own money to pay off the loan. I should only have to pay the finance charge of {$19000.00} that's on the truth and lending disclosure. I sent XXXX XXXX XXXX a notice to rescind my obligations for fraud. They closed this account with the credit bureaus on XX/XX/XXXX. Then XXXX sold this alleged debt to Cavalry Portfolio Services on XX/XX/XXXX. I disputed this collection with Cavalry Portfolio Services on XX/XX/XXXX. They responded to my dispute and told me an investigation on the matter would be performed. They sent me an identity theft affidavit to fill out and get notarized. I got the completed the affidavit notarized and mailed it back as Cavalry Portfolio Services requested. After that Cavalry Portfolio Services responded with a letter saying they were not making an effort to collect a debt but responding to my dispute, and that they found the information about the account to be accurate. I swore in the affidavit from Cavalry Portfolio Services that I never received any money, goods, or services from XXXX XXXX XXXX. XXXX XXXX XXXX and Cavalry Portfolio Services never proved that I received or benefitted from a loan for {$21000.00}. The truth in lending payment schedule for me reflects that XXXX XXXX XXXX was trying to charge me {$41000.00} instead of {$19000.00} for a car that cost {$21000.00} with a 25 % interest rate. If a loan was taking out in my name that I didn't benefit from my identity had to be stolen to do so. This fraud has hurt my credit worthiness and I'm asking XXXX XXXX XXXX and Cavalry Portfolio to prove that a loan for {$21000.00} was made available to me or on my behalf to benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: RenoFi Inc.
State: FL

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing a formal complaint regarding a residential appraisal conducted on my property at XXXX XXXX XXXX XXXX XXXX, FL, completed by XXXX XXXX XXXX XXXX, a Florida Certified Residential Appraiser (License #XXXX). The appraisal was completed on XXXX XXXX XXXX, and I believe it contains a serious factual error that has significantly and improperly affected the valuation of my home.\n\nThe appraiser used a comparable sale located at XXXX XXXX XXXX to justify the valuation. However, this property is located on a different XXXX XXXX XXXX XXXX XXXX  one that is:\n\nGeographically distant from my neighborhood\n\nIn a less desirable area\n\nLocated near a XXXX\n\nNot considered part of the same local market by real estate professionals or residents\n\nThere are two separate and distinct XXXX XXXX segments in XXXX XXXX:\n\nOne is located XXXX XXXX XXXX XXXX XXXX XXXX, within my immediate residential neighborhood.\n\nThe other is across town, near XXXX XXXX XXXX XXXX XXXX XXXX, adjacent to commercial and transitional areas, and does not reflect the character or market conditions of my area.\n\nI have attached a map screenshot clearly identifying both XXXX XXXX locations, with my neighborhood and the incorrect comp area circled for clarity. My property is located near the southern XXXX XXXX  segment XXXX XXXX XXXX XXXX), and the comp used is from the northern segment, which is not comparable in terms of value, desirability, or proximity.\n\nThis is a location-based error, not a subjective dispute about the valuation. The use of a comp from a different submarket violates USPAP standards, particularly:\n\nGeographic competency (USPAP Standards Rule 1-1(b), 1-4(a))\n\nVerification of comparable data\n\nFailure to perform proper market segmentation and neighborhood analysis\n\nThis error materially impacted my ability to secure financing for a renovation loan, as it caused the appraised value to fall short of expected market value.\n\n Attachments:\nA copy of the appraisal showing the incorrect comp\n\nA map screenshot identifying both XXXX XXXX locations\n\nI respectfully request a review and determination of whether USPAP standards were followed in this case, and if disciplinary action is warranted.\n\nThank you for your attention.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper didnt pay, XXXX  XXXX XXXX XXXX our Old plan. 

Mr. Cooper, the Mortgage company and our Escrow holder, missed the XX/XX/XXXX payment and XXXX  XXXX cancelled our plan. 

After escalating as high as we could ( haven't sent the errors letter yet ) in Mr. Cooper, getting on a 3 ways call, etc, XXXX  XXXX repealed and did not reinstate. 

My research tells me that Mr. Cooper are responsible for this mistake, but are denying responsibility/refusing to resolve. 

Additional context, the XXXX  XXXX said that we didn't have Mr. Cooper listed as our mortgage and that's the issue. But, the snafu and where it gets fishy, is that Mr. cooper was sold our loan in XXXX, and paid XXXX  XXXX with no issues for XXXX ; which makes this whole issue more likely the escrow issue than anything else. We changed nothing since XXXX, they sold our loan to Mr Cooper. 

Can someone help us to know what to do? We made on-time payments and upheld our end of things for 8 years. This feels like a scam since we are only able to get XXXX  XXXX XXXX in our high fire zone. Our old quote was for $ XXXX, our new quote is for $ XXXX, no competition due to fire zone. 

Can anyone guide us? We have tried to fix this since the week of XX/XX/XXXX, the due date of our payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief