vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
Have been receiving harassing phone calls every few days from paragon revenue group. I have no outstanding debt aside from a car loan which is current and with a different company. Paragon has refused to stop calling and refused to provide any information whatsoever, by phone or mail, about what the debt is or where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
They telling me Im not entitled to the funds because of company agreement I breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Nelnet for inaccurate reporting of student loan interest charges and refusal to correct the issue after multiple attempts to resolve it.

Specifically, Nelnet applied interest during periods when my loan was in approved forbearance, and again while my account was in transition to the SAVE repayment plan, which was delayed due to federal litigation and restructuringcircumstances that were entirely outside of my control.

Despite contacting Nelnet several times, they continue to report inflated interest and balances. I have requested validation under Section 609 of the FCRA, including : A signed copy of my original Master Promissory Note ( MPN ) Chain of custody documentation showing legal servicing transfers Proof of Nelnet 's legal authority to furnish and service the loan under federal restructuring A full ledger of all forbearances, deferments, interest accruals, and payments Nelnet has failed to provide any of this information or resolve the dispute. The account is being inaccurately reported and may be negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
I became a client of XXXX XXXX XXXX for help settling my IRS debt. They explained the process would include an IRS tax investigation, filing of my 2024 taxes on my behalf and a loan from their affiliate company Monterey Financial to secure finances to pay my reduced IRS debt per their negotiations. I completed the steps they outlined and the result is that I have a loan with Monterey Financial Services on my credit report that is in default because I can not afford to pay it and try to pay the IRS at the same time. The IRS has not stopped pursuing action against me because XXXX and Monterey have not negotiated my debt nor applied any of the loan to my debt. 
Monterey Financial never paid the IRS yet they are charge me monthly installment payments on this loan when I have not received nay funds from Monterey nor has Monterey paid the IRS as intended.

I feel like I have been scammed. I want Monterey Financial removed from my credit reports. I want XXXX XXXX XXXX to stop the harassing emails, calls and texts to maintain my business and continue scamming me. My complaint is against both entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
Complaint Escalation Experian ( Complaint ID : XXXX ) This is a formal escalation of the complaint originally filed on XX/XX/year> ( ID : XXXX ) regarding a fraudulent XXXX XXXX collection account XXXX XXXX still being reported by Experian. 

As of XX/XX/year>, Experian has failed to provide any formal response or resolution. I submitted a complete identity theft packet, including : FTC Identity Theft Report Government-issued photo ID Proof of current address A written dispute and statement of fraud XXXX  has already removed the account based on this same documentation. Experian has received identical evidence and continues to stall, in violation of the Fair Credit Reporting Act ( FCRA ), which mandates a timely and thorough investigation of identity theft claims. 

I am requesting immediate CFPB intervention to : Compel Experian to permanently delete the fraudulent XXXX XXXX account from my credit report ; Require Experian to issue written confirmation of the deletion ; Ensure compliance with FCRA deadlines and consumer protection standards. 

The continued inaction is materially harming my credit profile and directly obstructing my access to critical financial opportunities, including small business financing.

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 2025-07-24 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: TX

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XXXXXXXX at XXXXXXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX  - {$290.00} ( account # XXXX ) XXXX XXXX XXXX  {$610.00} ( account # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I spoke with several representatives in several departments who all informed me it was another department I need to reach out to. I was told sales could reverse the action however that was not the case. I was told fraud would help that wasnt the case. I didnt authorize for my account to be closed and the negative that will come with it will effect me horribly!

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IN

Complaint narrative:
I am requesting your help in launching an investigation regarding these accounts, which are currently being misreported on my credit report. Under the provisions of USC 1681g, I am formally seeking their removal within XXXX  days. All relevant supporting documents are attached for your evaluation. It is also important to note that these accounts are being reported differently and inaccurately by each credit bureau.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD SYSTEMS INC collection added a collection on all my credit bureaus, I have never had an account with the collection company nor the company they are collecting on the behalf. I have reached out to the company via certified mail asking too show proof they have the right to collect on the debt and show proof that they have legal rights to collect on the debt, and to show proof of a signature that I have signed with the collection company or the creditor they are collecting on behalf of, I asked for the collection company have not shown evidence or deleted from my credit bureau, which is effecting my credit. The collection is violating my Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 16 and I wish for them to cease all collections on this debt as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I don't trust banks or Credit Card companies. I only have 1 CC and use it for cashback rewards and never pay interest on it. For this reason I constantly pay it ( which I've opened complaints previously against Wells Fargo because they throttle how many times you can make a payment ). I keep a spreadsheet that notes the " OUTSTANDING BALANCE '', " LAST POSTED TRANSACTION '' and total of " PENDING '' transactions. Every once in awhile there is a weird discrepancy where the outstanding balance is a littler higher because the transaction BEFORE my noted last posted transaction gets included in the balance ( seemingly again ). In this instance I paid off my CC with a $ XXXX payment and noted the last posted and total pending amounts. The last posted transaction was {$17.00} on XX/XX/XXXX and the total pending amount at that time was {$640.00}. This morning I logged in and located the {$17.00}. Like I always do, I added from that transaction to the newest transaction to see if it was accurate- and it was off by over {$800.00}. I called to figure out what the issue was and the customer support attempted to tell me it was a transaction from XX/XX/XXXX for {$700.00} that " hadn't posted yet '' ... XXXX ) This should have already been part of the total amount accounted for when I noted the NEWER POSTED TRANSACTION on XX/XX/XXXX of {$17.00}, and XXXX ) The new outstanding balance is questionably MORE than a {$700.00} difference. They couldn't provide any more information and when I asked to escalate they hung up.

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 2025-07-24 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: NE

Complaint narrative:
Im disputing a debt Sequoia Financial Services is trying to collect related to a vehicle accident that occurred on XXXX. The original damage, according to the official police crash report, was limited to the driver-side doors and estimated at approximately {$2500.00}. 

Sequoia is now trying to collect over {$10000.00} based on a repair quote from XXXX XXXX XXXX totaling over {$17000.00}. which includes unrelated and excessive damages such as hail, roof, and alleged frame issues that were not caused by the accident. 

I sent Sequoia an email months ago formally disputing the debt and requesting full documentation and validation under FDCPA 1692g. They never responded with the requested information. Instead, I received another collection letter this week. 

After receiving that letter, I called their office and obtained the repair estimate, which confirmed the inflated total and inclusion of unrelated damages. I followed up with a voicemail and another email reiterating my dispute and requesting all supporting documents : proof of liability, itemized damages, XXXX valuation, auction documents, and chain of assignment. 

Sequoia has continued collection efforts despite being aware of the dispute and lacking proper validation. Additionally, i recall the first time they called me on XX/XX/XXXX at XXXX while i was on lunchtime, a representative threatened me with license suspension if I didnt pay within 30 days a false and coercive statement in violation of FDCPA 1692e. They try to say because we didn't have license and insurance we have to pay everything, but my argument is that does not prove we caused the accident the police report suggests it was shared fault. 

I request that this debt be investigated, all collection activity cease, and the record be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
XXXX'I sent a certified letter to Experian on XXXX via USPS mail with a tracking number of   XXXX XXXX XXXX XXXX XXXX XXXX   . The letter was delivered to Experian in XXXX,TX on XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were XXXX. XXXX XXXX balance is XXXX XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am filing a complaint regarding predatory and deceptive auto financing practices related to my lease-end vehicle buyout. 

I originally leased a XXXX XXXX XXXX XXXX ( XXXX : XXXX ) through XXXX XXXX XXXX XX/XX/XXXX. The lease agreement clearly stated that the purchase option at the end of the lease was {$20000.00}. 

When I attempted to buy out the lease in XX/XX/XXXX, I was directed to XXXX XXXX for the transaction. Instead of honoring the lease buyout price, XXXX XXXX had me sign a new retail installment contract for {$34000.00} at 6.99 % APR for XXXX  months, resulting in a total financed price of {$42000.00} nearly {$14000.00} more than the agreed lease buyout amount. 

The dealer added multiple products ( XXXX XXXX service contracts, and various fees ) without properly disclosing them or obtaining my informed consent. I was not told I could decline these add-ons, and I believed I was simply buying out the car per my lease terms. 

This appears to violate consumer protection and fair lending laws. I am now paying significantly more than what was agreed in my original lease contract, and I am requesting that the CFPB investigate the dealership and finance company for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

Lease Account : XXXX Finance Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a prepaid card as part of the Equifax settlement. 

The card is not usable. I have tried several online stores and the card was declined at all of them. The card can not be added to XXXX XXXX. 

I have tried to contact them multiple times but have gotten nowhere. 

Equifax clearly sent out faulty cards in order to avoid paying their settlement, after some research I have seen many other people have the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX, opened a new Debit account in response to seeing an advertisement on the Internet for an offer of a promotional {$200.00}, when the terms of activating a debit card and making a {$400.00} direct deposit were met. Terms indicated that promotional bonus would be deposited within 5 days of meeting the {$400.00} direct deposit requirement. On XX/XX/XXXX, I received a direct deposit in the amount of {$400.00} from my employer and five business days have elapsed as noted below : Day XXXX : XX/XX/XXXX Day XXXX : XX/XX/XXXX Day XXXX : XX/XX/XXXX Day XXXX : XX/XX/XXXX Day XXXX : XX/XX/XXXX As of the date of this complaint, XX/XX/XXXX, no promotional offer has been credited to my account, despite the terms being met as included in this link XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc.
State: NY

Complaint narrative:
STATES RECOVERY SYSTEM IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND STATES RECOVERY SYSTEM IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attached the letter too and they could not provide the promissory note of this alleged debt. STATES RECOVERY SYSTEM is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and noticed some inaccuracies on my credit profile in XX/XX/year>. I ask that you remove these from my credit profile as soon as possible. Im a victim of identity theft and these accounts arent mine. Please remove them immediately!

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 2025-07-24 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: FL

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 response to consumer: Closed with non-monetary relief