vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: NY

Complaint narrative:
I initially used XXXX to pay my credit cards and would make payments to that company at flat 14 % interest rate. Unfortunately they closed and sold to SST. Before closing my balance was {$3800.00} sum dollars ( estimating ). When rally acquired the loan they began to charge me more interest at a XXXX rate, even though i was making multiple payments a month they counted it towards to the interest and not the loan amount. I was unaware and misinformed especially being that the previous company the terms and conditions were different. I have made {$1000.00} in payments for the past year and a half or so and my balance is still almost {$4000.00}. I also noticed this loan now shows on my XXXX score and previous with XXXX that was NOT the case. I filed a dispute with XXXX XXXX about this and noticed that the company report my account as 30 days past due, I believe this is due to retaliation and am thinking about contacting a lawyer. What I am not going to do is pay more than what I owe or double because they want to take advantage of people with made up interest rules. If i make a {$100.00} payment {$2.00} goes to the loan and {$98.00} goes to interest and I have to calculate what exact day to make an extra payment to ensure it doesn't go all to interest. I am going to contact a lawyer and my bank to retrieve all the money I've payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: AL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -Date Opened 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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Mishandling of Funds and XXXX XXXX XXXX. 
I am submitting this complaint regarding the mishandling of my student loan account, which has caused significant financial and credit damage to me and my XXXX co-signers. 
For the past XXXX months or more, I have called Firstmark Services nearly every month, sometimes twice a month, to request assistance with affordable payment options. I recently completed my schooling in XX/XX/year> and passed my XXXX exam in XX/XX/year>. During this transition period, I have been working full-time and doing my best to make my payments, even though the initially listed amounts were incredibly difficult to afford. 
I was under the impression that I would have a six-month grace period after graduation before full payments were due. However, I was informed that payments were required immediately during the summer. Because of this, I requested a temporary payment adjustment to help me stay current. A representative guided me through the process, and shortly afterward, my account showed updated amounts that I could afford. 
Following this adjustment, I made a payment of approximately {$260.00} in XXXX, and my account reflected as current. The next month, I paid around {$360.00} in XXXX, a slight increase that I did not understand but paid anyway to remain in good standing. 
However, in XXXX, when I logged into my account, I was shocked to find that I was listed as more than a month past due and owed over {$1000.00}. This did not align with my statements or payment history. Soon after, both my co-signers and I noticed a significant drop in our credit scores. 
When I contacted Firstmark Services on XXXX XXXXXX/XX/year>, I spoke with a representative named XXXX ( spelling uncertain ) for nearly XXXX hours as he investigated my account. He informed me that, on the last day of XXXX, when credit reports are updated, the lender had adjusted my payment amounts and retroactively determined that I was supposed to have paid higher amounts in previous months. 
This adjustment was never communicated to me before or during those billing periods. It appears to be a serious administrative error or negligence, as retroactively changing required payment amounts after payments were already made and accepted caused unjustified delinquencies and substantial credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
From XX/XX/XXXX XXXX to XXXX XXXX I was incarcerated and from that time period I had invalid usage of my card where my credit card was being used for XXXX  and XXXX. I have presented documents showing I was incarcerated and that the usage of my account was not used by me or from my phone number or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX sold me a used car and never disclosed to me or the bank that the car possessed a branded title but on XX/XX/XXXX I bought and put {$5000.00} down on this car it wasn't until XX/XX/XXXX my bank was going to refinance it from 20.74 % down to 12 % so I was so excited I went to the bank with the envelope with the title that I hadn't even opened and handed it to the loan officer and a few minutes later that when I found out the car had branded title and the bank was unable to refinance the car she advised me that by law the dealership has to fully explain what your buying so it wasn't disclosed to me or to the bank that provided the loan to me which is a fraudulent sale of a vehicle my contract of sale should be voided my with XXXX XXXX they should issue me a full refund my down payment 24 months of payment 's at {$710.00} a month and I return the car back to the dealership as a representation of XXXX a reputable dealership selling XXXX products should've made me fully aware of this information and when I called to talk and resolve i was addressed in a threatening manner from several staff members telling me I signed a document and it's in there fileing cabinet I had no document in my paperwork I hired legal representation for this matter but something should be done about there business practices period end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX XXXX I received an email stating that the company Chime will change how they do their XXXX XXXX. And that I will be receiving a REFUND of {$190.00} to my CHIME CHECKING ACCOUNT. Now on XXXX XXXX I spoke to an agent through chat asking to confirm if I will be receiving the XXXX in my chime checking and will it go towards a XXXX XXXX balnce that I already had. She confirmed to me that if my direct deposit hits before the refund then I will not have to pay anything back the XXXX will go straight to my checking account. XXXX XXXX i know have received my direct deposit but not the REFUND I was supposed to be getting so I reach out to an agent through chat again she explains there is no eta on the refund but she can see that my direct deposit paid my XXXX  balance so the {$190.00} will just go straight into my chime checking account. So I received the refund XXXX est on XXXX XXXX. I decided to check my transactions and my XXXX   on XXXX XXXX and its saying I have an outstanding balance of the XXXX that I was miraculously being refunded for. Spoke to many different representative they are saying that I had a balnce from XXXX that I didnt take care of but that cant be possible because everytime a direct deposit comes on chime it will pay your XXXX XXXX balance first before anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: Opportunity Financial, LLC
State: FL

Complaint narrative:
Opploans is charging me 159.56 % on a {$2600.00} loan in the state of Flordia

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Balance $ XXXX Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to buy a XXXX XXXX XXXX. The dealer posted the car on XXXX for {$13000.00}, which is why I went there. After talking, we agreed on a final price of {$10000.00}. 
I told the dealer I could pay {$5000.00} down that same day and make the rest of the payments myself each month. The dealer asked if I had XXXX XXXX  or XXXX, and I said I had XXXX XXXX. He gave me his number so I could send the money. I tried to send {$5000.00}, but XXXX XXXX only allowed {$2500.00}, so I sent that first. Then he asked what bank I have, and I told him XXXX. He said there was a XXXX nearby and told me to go there to get the other {$2500.00}, which I did. That completed my {$5000.00} down payment that same day. 
The dealer told me verbally that I would pay {$420.00} per month for XXXX  months, but on the contract, he wrote {$420.00} per month for XXXX  months ( XXXX  years ) instead. I didnt notice this at first because I trusted him and thought everything matched what he said. 
He also asked for my bank account and routing numbers, saying it was just to set up my monthly payments. Since this was my first time buying a car, I believed him and thought this was normal. Later, I found out the dealer used my banking information to open a loan with Westlake Financial without my consent. 
The dealer also lied on the loan application, saying I make {$2500.00} a month, which is false. I am a XXXX student who goes to school XXXX days a week and works only XXXX days ( Friday and Saturday ). I can not afford this kind of loan. 
He also lied about the cars condition. He told me it was a used car with a XXXX warranty, but the contract says it is rebuilt, with no warranty and no gap coverage. 
On XX/XX/XXXX, I contacted Westlake Financial and sent proof, including my paystub and photos. I asked them to cancel the loan and place my account on fraud hold, but they have not responded. 
I never agreed to this loan and did not knowingly sign for it. The dealer tricked me, lied to me, and made me take a loan without my consent. I am asking that this fraudulent loan be canceled and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and misreporting of accounts currently appearing on my credit report. Despite my previous attempts to have these errors corrected with the credit bureaus and the furnishers, the information remains incorrect, severely damaging my creditworthiness and financial standing. I am requesting that the CFPB investigate these matters and ensure that the involved parties comply with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX ( Account : XXXXXXXX XXXX  ) This account is being reported as a charge-off with a high balance of {$19000.00}, opened on XX/XX/XXXX. I dispute this reporting as inaccurate and unverifiable. The account should not be reported as charged off, and I request validation of the debt and supporting documentation confirming the legitimacy of this account. 

XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX ) This account, opened on XX/XX/XXXX with a reported high balance of {$560.00}, is being reported with late payments. I have no record of such delinquencies and dispute the accuracy of this reporting. I demand that the furnisher provide proof of any alleged late payments or remove the negative information immediately. 

XXXX ( Account : XXXXXXXX XXXX XXXX  ) This account, opened on XX/XX/XXXX, is showing a high balance of {$20000.00} with late payment status. I dispute these claims as false and unsupported. I have requested documentation from the furnisher verifying the accounts accuracy and payment history, but none has been provided. This constitutes a violation of FCRA reporting obligations. 

XXXX XXXX ( Account : XXXXXXXX XXXX XXXX ) This account, opened on XX/XX/XXXX, is being reported with a high balance of {$3100.00} and late payment history. This reporting is incorrect and not reflective of my actual payment record. I demand immediate verification or deletion of this negative information.

These inaccurate and unverifiable entries are causing significant harm to my credit profile, preventing me from obtaining fair credit opportunities. Under the FCRA ( 15 U.S.C. 1681 ), I have the right to accurate and verifiable reporting. I request that the CFPB review this matter thoroughly and require the furnishers and credit bureaus to correct or delete all inaccurate information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I set up a new account with XXXX  using a credit card online. The next day I walked into the XXXX  store and completed my account set up. Unknown to me two accounts were created. But currently only one account exist. This is the second time this debt collector has contacted me after sending me a letter of promise not to contact me again with help from this agency on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: AL

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX -Date Opened XX/XX/2022

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX [ XXXX ] XXXX XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX : Dispute of inaccurate Collection Accounts on Credit Report Dear [ XXXX  ] Dispute Department, I am writing to dispute certain collection accounts that are inaccurately reported on my credit repost. These accounts are either incorrect, outdated, or do not belong to me, and I request an immediate errors. Below are the details of the disputed collection LVNV FUNDING LLC accounts : XXXX XXXX : Date : XX/XX/XXXX Amount : {$870.00} LVNV FUNDING LLC believe that these collections are being reported in error due to [ insert reason here, such as : these account have been paid, these account do not belong to me, or the information is inaccurate ]. 
Under the fair Credit Reporting Act [ FCRA ], I am entitled to an accurate and fair credit report. I request that you investigate these account, verify the information with the original creditor, and provide me with the results of your investigation within 30- day period allowed by law. If the accounts can not be verified or are found to be inaccurate, I request that they be promptly removed from my credit report. 
To assist in your investigation, I have enclosed the following documents :. A copy of my credit report with the disputed collections highlighted. A copy of my government-issued ID. Proof of address e.g., utility bill or bank statement ]. [ Any additional relevant documentation, such as proof of payment or correspondence with the creditor ] Please correct any inaccuracies as soon as possible and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your response : Sincerely : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I am disputing a debt collection attempt from Halsted Financial Services , LLC . They have contacted me regarding a balance allegedly owed to XXXX XXXX XXXX for a prior XXXX XXXX account. I do not recognize any account or contractual agreement with XXXX XXXX XXXX, and they are not the original creditor. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. Specifically, I want documentation proving : XXXX. That XXXX XXXX XXXX owns or has been legally assigned this debt. 
XXXX. The full chain of title from the original creditor ( XXXX XXXX, XXXX. ) to XXXX XXXX XXXX. 
XXXX. A detailed accounting or statement showing how the balance of {$1200.00} was calculated. 
XXXX. A copy of any signed agreement or contract linking me to this specific account number ( XXXX ). 

Until this information is provided, I am disputing the validity of this debt and requesting that all collection activity, including credit reporting, cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klover Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/year> they took XXXX XXXX times from my account. I agree to paying XXXX. I reached out to them with no help they tried to tell me that info was incorrect I verified with my bank they were giving me inaccurate information. Put in a stop payment request with my bank and then requested klover took out money close my account. So yesterday evening klover took XXXX from my bank account without my authorization from a different account then the original charged. Ive reached out to them no response and Ill be reaching out to my bank to notify I did not authorize this charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an email from Capital One for getting credit card. So I submitted an application got approved for {$500.00} credit limit master card on XX/XX/year>. They sent me an email that card is mailed to me. When I received the card upon activation I found out that the card account is already closed. 
Why capital one sent me the card if the account was closed. They are damaging my credit score but opening and closing accounts. 
This sort of behavior is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had many issues with this company. They are a contractor app. I believe that individuals within the company are using my information because my GPS in the vehicle always goes out, my financial information has been recently compromised with Wells Fargo debit card I had on file with roadie for payout. My cell service always goes out while using the service. And this morning XX/XX/XXXX, I recently received a notification of scammer alerts opening the XXXX  app. This would'nt be the first time this instance has happened. And i'm always receiving a group text of individuals claiming to be " XXXX  recruiters '' offering jobs, which is I'm sure the same scammer individuals within this criminal ring.

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 2025-10-25 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: HI

Complaint narrative:
I am filing this complaint regarding several hard inquiries that appear on my credit report with TransUnion. I do not recognize these inquiries and I did not authorize these companies to access my credit file. These inquiries are also not connected to any open or approved accounts in my name. 

Under the Fair Credit Reporting Act, a company must have a permissible purpose to pull my credit report. I am concerned that these inquiries were made without my permission, which would be a violation of FCRA 604 ( a ) ( 2 ).

The inquiries I am disputing include, but may not be limited to : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 These companies are not currently extending me credit and I do not have active accounts with them. Only XXXX XXXX is associated with an active account, and I am not disputing that one.

I am requesting that TransUnion investigate these inquiries, confirm whether each one had a permissible purpose, and remove any inquiry that can not be verified as authorized.

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