vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am sending this correspondence in efforts of validating debts that are on my credit report under your companys name. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claims are disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following for all accounts you are reporting on : What the money you say I owe is for ; Date in which the account was opened ; Original delinquency date ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

This is an attempt to correct your records, any information obtained shall be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I made my first student loan payment using my bank account on XXXX for XXXX to Edfinancial, however it got reversed. I spoke to a customer service agent and they said there was no record of my bank account existing, even though it is the correct information, I have enough money and the website even recognized it is a XXXX XXXX XXXX account. The payment is now 3 days past due, I submitted another payment today XX/XX/year> but it is pending and I'm worried that it wont go through and it will show up on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX. I disputed XXXX dollars with a merchant. Ally Bank investigated and issued me written confirmation that the disputes were resolved in my favor and that the funds were permanently credited back to my account. 
XXXX. Despite this, Ally Bank allowed the same merchant to re-withdraw those funds today XX/XX/XXXX, reversing their prior decision. 
XXXX. At the same time, Ally Bank has placed restrictions on my account so that I can not access my own money. I was explicitly told that no one can withdraw from the accountnot even me. Yet somehow, the merchant was able to withdraw these funds. 
4. I have attempted to re-dispute the charges, but Ally Bank refuses to let me do so. I am repeatedly told that an investigator will call, yet no one has contacted me.

5. Customer service has been unprofessional, and translation services have created communication issues, further preventing resolution.

Why I Am Filing This Complaint : Ally Banks actions are contradictory, harmful, and appear to violate federal protections under Regulation E regarding electronic fund transfers and dispute handling.

They have simultaneously blocked my access while permitting unauthorized debits, which raises questions about their internal controls and compliance. 
Their refusal to allow me to dispute the charges again leaves me with no recourse other than regulatory intervention.

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 2025-08-22 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 previously disputed Experian and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
The collections company have threatened legal actions before contacting me, then they started calling alot. They have called 8 times in 4 days from the following numbers : XXXX ( XXXX XX/XX/year> ) XXXX ( twice back to back XXXX XX/XX/year> ) XXXX ( XXXX XX/XX/year> ) XXXX ( twice back to back XXXX XX/XX/year> ) XXXX ( XXXX XX/XX/year> ) XXXX ( XXXX XX/XX/year> ) They have been using autodialers which the original debt had it on record that I do not want auto dialers. Also I could hardly understand the people on the phone sounded like they were in a call center in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint because USAA repossessed my vehicle even though I made my required payment by money order. I have proof that the money orders were received and cashed by USAA. Despite accepting the funds, USAA failed to credit my account or acknowledge my payment. 

USAA never provided me with a written notice rejecting or returning my payment, nor did they send proper notice of repossession before taking my vehicle. The towing company that repossessed my car also refused to provide details and failed to notify law enforcement, which left me to believe my car was stolen until I located it myself. 

This wrongful repossession has caused me financial harm, emotional distress, and potential damage to my credit report.

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 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
On XX/XX/XXXXXXXX  MOHELA updated my account, stating a refund of {$2600.00} was being issued to me for overpayment of my loan payments. I have yet to receive the payment, and have called MOHELA twice. Both times hanging up after being on hold greater than an hour. 
I sent a message on XX/XX/XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Enough is Enough with the Trigger Leads The CFPB allowing credit bureaus to sale unsolicited trigger leads of a consumers information is a gross breach of privacy. 

Borrowers are receiving calls in the XXXX from unscrupulous lenders pretending to be the lender that started the financing in the first place, e.g., " I'm calling you about your mortgage application, I just have a few additional questions '' among other fraudulent tactics. 

I have borrowers complain to me DAILY about this practice after having their credit ran. In XXXX I have lost XXXX loans to XXXX of these trigger leads but have had XXXX of irritated borrowers. 

There are plenty of reputable companies within a market they're looking and websites where borrowers can shop their mortgage without the unsolicited harassment. 

We're talking about people who have jobs that are being bombarded with calls, texts, and emails throughout their entire work day, nonstop. 

It's unreasonable to assume all borrowers know about XXXX  or XXXX in a timely manner to try to stop these call or if they even work. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Enough is Enough with the Trigger Leads The CFPB allowing credit bureaus to sale unsolicited trigger leads of a consumers information is a gross breach of privacy. 

Borrowers are receiving calls in the XXXX from unscrupulous lenders pretending to be the lender that started the financing in the first place, e.g., " I'm calling you about your mortgage application, I just have a few additional questions '' among other fraudulent tactics. 

I have borrowers complain to me DAILY about this practice after having their credit ran. In XXXX I have lost XXXX loans to XXXX of these trigger leads but have had XXXX of irritated borrowers. 

There are plenty of reputable companies within a market they're looking and websites where borrowers can shop their mortgage without the unsolicited harassment. 

We're talking about people who have jobs that are being bombarded with calls, texts, and emails throughout their entire work day, nonstop. 

It's unreasonable to assume all borrowers know about XXXX  or XXXX in a timely manner to try to stop these call or if they even work. 

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 non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-22 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
So I just looked into my XXXX app just to check on some things and the last time I checked my fico was almost XXXX. It was classified as good. I see that Wakefield and Associates flagged my account last year as collections on XX/XX/year> and then on the XXXX my score dropped XXXX points and was classified as poor, but I dont have any collections in my account. Ive done no business with them. I have no idea of who these people are. Ive received zero communication from them whatsoever. No phone calls. No emails. No letters. Nothing. I have screenshots of my app that shows there is nothing in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
My credit score was dropped XXXX points because there was false claims that a payment wasn't made within 90 days. The claim states that a payment wasn't made between XX/XX/XXXX to XX/XX/year>. I made a payment with XXXX on XX/XX/XXXX and XX/XX/XXXX. Although I did miss a payment in XX/XX/year>, my payments are not 90 days late nor is it a 90 day span in between the two payments that were made. I have paid each month with what I can afford as I am currently in school. Having a delinquent payment post to my credit for one missed payment is extreme and is falsely being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
My credit score was dropped XXXX points because there was false claims that a payment wasn't made within 90 days. The claim states that a payment wasn't made between XX/XX/XXXX to XX/XX/year>. I made a payment with XXXX on XX/XX/XXXX and XX/XX/XXXX. Although I did miss a payment in XX/XX/year>, my payments are not 90 days late nor is it a 90 day span in between the two payments that were made. I have paid each month with what I can afford as I am currently in XXXX. Having a delinquent payment post to my credit for one missed payment is extreme and is falsely being reported.

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 2025-08-22 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: GA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX ) on my credit reports with Experian and Equifax for an alleged debt from XXXX XXXX XXXX. 

The account was opened on XX/XX/XXXX, for the amount of {$360.00}. I first requested debt validation from XXXX on XX/XX/XXXX. Instead of providing full documentation as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX only mailed me a generic past-due statement from XXXX XXXX , which does not prove their legal right to collect or validate the debt. 

Following that, I disputed the account with Equifax and Experian in XX/XX/XXXX. Both bureaus responded that the information was verified as accurate ( Experian updated the account on XX/XX/XXXX, and Equifax updated theirs on XX/XX/XXXX. However, they failed to provide any meaningful documentation or proper method of verification as required under the Fair Credit Reporting Act ( FCRA 611 ). Instead, they merely updated fields like balance date and status date while continuing to report the account. 

The documentation provided by XXXX does not meet FDCPA requirements for validation, and the continued reporting of this unverifiable account is negatively impacting my creditworthiness. Under the FCRA, unverifiable or inaccurate information must be deleted. 

I am requesting that the CFPB investigate this matter and require the furnisher and the credit bureaus to : Provide full, lawful validation of this debt ; or Delete the collection account entirely from my credit reports with all credit reporting agencies.

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 2025-08-22 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: NC

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 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 2025-08-22 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: NC

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