vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE TRIED FOR THE LAST 6 MONTHS TO resolve THIS IDENTITY THEFT inquiries AND TRANSUNION REFUSES TO REMOVE THESE FRAUDULENT INQUIRIES. THESE inquiries WERE NOT authorized-THEY ARE XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX A XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2026

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I first became aware of this alleged debt when my wages were garnished in early XXXX. I never received any prior notice of this debt, lawsuit, or court date. I later discovered that a default judgment had been entered in favor of LVNV Funding LLC for {$1800.00}. I believe LVNV used improper service to obtain that judgment after I had been evicted from my previous address. 

I contacted XXXX XXXX XXXX original creditorand received a response from their XXXX of the XXXX in XX/XX/XXXX. They confirmed that the account had a {$500.00} credit limit, was closed on XX/XX/XXXX, due to returned payments, and was charged off and sold to LVNV on XX/XX/XXXX. Since then, XXXX XXXX states they no longer have any financial interest in the account. 

Despite my repeated requests, I have not received a breakdown from either XXXX XXXX Bank or LVNV Funding explaining how the balance increased from {$500.00} to over {$1800.00}. I have not received monthly statements, a payment history, interest rate disclosures, default interest notices, or fee explanations. There has been no documentation justifying the total balance that is now being collected through wage garnishment. 

This has caused financial hardship, and I believe the debt has not been properly validated in accordance with federal consumer protection laws. I am asking the CFPB to investigate the validity of this debt and require LVNV Funding to provide full documentation, including : Signed contract or agreement, Itemized account history and charges, Accurate proof of ownership of the debt, Confirmation that proper legal notice was served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I created a PayPal account months ago but this whole time I havent been allowed to add money from any source. I have called PayPal at least 3 or 4 times but every single time they wont allow me to do anything because they want to protect my identity, however they have provided me 0 options to try and get this fixed. Its become extremely frustrating and I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/year>, I filed a dispute for approximately {$2100.00} in flooring I purchased from LL Flooring ( formerly Lumber Liquidators ) using my Discover card, which is now managed by XXXX XXXX. The flooring was misrepresented it was advertised as durable and high-quality, but what I received was inferior, warped quickly, and needs to be replaced. The charge was temporarily removed during the investigation, but the dispute was later denied and the charge reinstated. I later learned that XXXX XXXX had entered bankruptcy and was no longer honoring returns or product issues. XXXX XXXX stated that I received a refund, but that is incorrect the only refund I received was for unused boxes that I returned separately. That refund had nothing to do with the defective flooring I installed. I am requesting the {$2100.00} charge be reversed or reinvestigated, given that the denial was based on inaccurate information and that I was left with no remedy due to the companys bankruptcy. This charge has increased my monthly payment significantly and led to credit reporting issues, despite my attempts to resolve this fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I was a victim of identity theft, someone fraudulently opened multiple credit lines under my name ( XXXX XXXX XXXXXXXX, XXXX XXXX {$190.00}, DNF ASSOCIATES  {$1100.00} ). I did not give anyone written or verbal permission to place such information on my consumer report, because, my privacy write have been violated, I am demanding the companies to block & remove the fraudulent accounts off of my consumer 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 2025-06-01 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am filing a formal complaint against OneMain Financial regarding potentially predatory lending practices that may violate New Jersey consumer protection laws. 
LOAN DETAILS Original Application : XX/XX/XXXX Loan Amount : {$20000.00} ( originally applied for {$10000.00} ) Collateral : XXXX XXXX XXXX ( valued at approximately {$6000.00} ) Account Number : SPECIFIC VIOLATIONS ALLEGED XXXX. Excessive Interest and Unclear Amortization Total Payments Made : {$12000.00} Interest Paid : {$10000.00} ( 89 % of payments went to interest ) Principal Reduction : Only {$950.00} on a {$20000.00} loan Current Balance : {$19000.00} Concern : This payment structure appears to violate reasonable lending practices and may exceed New Jersey 's allowable interest rates. 
XXXX. Deceptive Loan Origination Practices Applied for {$10000.00} loan with {$6000.00} collateral Loan officer repeatedly increased amount during approval process Final approved amount : {$20000.00} ( 200 % increase from original request ) This practice appears designed to maximize interest income rather than meet borrower needs XXXX. Potential Violations of New Jersey Banking Laws These practices may violate : N.J.S.A. 17:11C ( New Jersey Consumer Finance Act ) Unfair and deceptive practices regulations Interest rate caps for consumer loans REQUESTED ACTION XXXX. Investigation into OneMain Financial 's lending practices in New Jersey XXXX Review of my specific loan terms for compliance with state law XXXX. Determination of whether remedial action is warranted XXXX. Guidance on my rights as a New Jersey consumer SUPPORTING DOCUMENTATION I can provide : Complete payment history Original loan documents Communication records with OneMain Financial Vehicle appraisal documentation Note : I am also filing complaints with the CFPB and considering legal counsel. OneMain Financial has recently offered a " hardship loan '' which I have declined to sign pending this investigation. 
I respectfully request your prompt review of this matter and guidance on my rights under New Jersey law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I immediately contacedt the companies where the fraud occurred, Place a fraud alert or security freeze on my credit report, I reported FRAUD theft to the FTC, Files a police report, Notified the credit bureaus : EXPERIAN, TRANSUNION AND EQUIFAX. 
Sent copies of my police report and Identity Theft Affidavit to the XXXX major credit bureaus and they are adhering to My report of unauthorized or suspicious FRAUD transactions showing on my credit report. 


Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$83.00} XXXX XXXX. {$16.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$340.00} THESE ACCOUNTS ARE FRAUDULENT!! I HAVE SUBMITTED ALL documentation I HAVE FILED Department of the Treasury XXXX Internal Revenue Service Identity Theft Affidavit XXXX Number XXXX Form 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 2025-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I immediately contacedt the companies where the fraud occurred, Place a fraud alert or security freeze on my credit report, I reported FRAUD theft to the FTC, Files a police report, Notified the credit bureaus : EXPERIAN, TRANSUNION AND EQUIFAX. 
Sent copies of my police report and Identity Theft Affidavit to the XXXX major credit bureaus and they are adhering to My report of unauthorized or suspicious FRAUD transactions showing on my credit report. 


Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28.00} Status Open. {$28.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$83.00} XXXX XXXX. {$16.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$340.00} THESE ACCOUNTS ARE FRAUDULENT!! I HAVE SUBMITTED ALL documentation I HAVE FILED Department of the Treasury XXXX Internal Revenue Service Identity Theft Affidavit XXXX Number XXXX Form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
On XX/XX/year> I. Reviewed my credit reports and found errors On the following Account.

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 2025-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year> I. Reviewed my credit reports and found errors On the following Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: KY

Complaint narrative:
I am writing to formally request a review and correction of a late payment entry reported on my credit file for XX/XX/year>. Upon reviewing my credit reports, I noticed that XXXX  is reporting a late payment for the above-mentioned period, while XXXX  shows the account as current with no late payments.

This discrepancy is concerning and suggests an inconsistency in reporting. I respectfully request that you investigate this matter and, if appropriate, remove the late payment from my Experian credit report to ensure accuracy and consistency across all credit bureaus. 

Please let me know if you require any additional information from me to assist with your investigation. I appreciate your time and attention to this matter and look forward to your prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
On XX/XX/2025, I sent Nelnet a formal Debt Validation Request and Demand for Proof of Claim in response to their reporting of a student loan account. My request required verification of standing, proof of original loan funding, full accounting records, a wet-ink signature contract, and documentation establishing lawful authority to report or collect on the account. I also requested proof that the obligation had not been previously discharged, settled, or satisfied through any lawful remedy, including recoupment or setoff. 
Nelnet responded by providing only a copy of a Master Promissory Note ( MPN ) and a payment history. They did not provide the full accounting ledger, evidence of lawful ownership, sworn statements under penalty of perjury, IRS documentation, or proof that the loan was actually funded from their own assets. 

Their response was materially insufficient and failed to meet the requirements of validation or substantiation of any claim. Despite this failure, Nelnet continues to report the account as valid and in collection to the credit bureaus, which is inaccurate and harmful. 

This constitutes a failure to investigate and correct under the Fair Credit Reporting Act ( FCRA ) and a lack of good faith performance in response to a formal dispute. I am submitting this complaint to compel proper investigation, enforcement, and correction of the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new Citibank account in person at the XXXX XXXX branch in XX/XX/year>, with the assistance of a banker. I was the primary account holder and my husband was added as a signer for convenience. The account was intended to hold rental income and remain above {$30000.00} for a Citibank bonus offer. 

Shortly after the funds cleared, {$20000.00} was withdrawn without my knowledge or consent using my husbands personal debit card from his unrelated Citibank account. I had set up alerts for any transaction over {$1000.00}, but I received no notification. 

I immediately contacted Citibank and explained I am a victim of XXXX XXXXXXXX and financial abuse. Despite clearly stating the XXXX and my role as the primary account holder, Citibank refused to take action. Eventually, my account access was frozen and I was locked out. 

I later learned that a relative of my husband had access to confidential account details ( ending balance, security concerns ), suggesting my private data was improperly shared. 

I am submitting this complaint because Citibank has not responded adequately to my report of abuse and has enabled the ongoing financial control of someone I am seeking a XXXX XXXXXXXX restraining order against. This violates both basic banking protocols and ethical standards for handling XXXX disclosures.

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 2025-06-01 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I filed a scam dispute in XX/XX/2020 a job found on XXXX  I provided them email pictures the instructions they sent for this work at home job XXXX. I was scammed out of they made me responsible. XXXX XXXX  offering work from home XXXX hour they contact you interview you fill out an application then they call tell you that you have the job and then ask you to get software the software they have you look for from a list they send ends up not being in store and its at that time they see buy they gift cards so they can do the software purchase. 5 years later I see that this has now been seen as a loan scam at the time I filed I was left holding iit with citi bank XXXX. I believe I should get my money back

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 2025-06-01 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: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
I am filing this complaint against Current, a financial services provider, regarding inaccurate and unfair credit reporting. 

Current has been reporting a negative payment history on my credit report for an unresolved balance of {$7.00}. However, the company suspended my account, which has prevented me from accessing the account or making any payments to resolve the balance. I have made multiple attempts to contact Current and fix the issue, but have been unsuccessful in getting assistance or access to pay the outstanding amount. 

Despite the account being locked and inaccessible to me, they continue to report the {$7.00} balance as delinquent. This has negatively impacted my credit report and score. I believe this is an unfair and possibly unlawful practice under the Fair Credit Reporting Act ( FCRA ), as I am being penalized for a balance I have no ability to resolve due to their actions. 

I am requesting that : Current immediately cease reporting this negative account activity, The {$7.00} negative balance be removed from my credit reports with all bureaus, and This issue be investigated and corrected without further delay. 

I am providing all supporting documentation, including communication history and screenshots, as evidence of my attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : XXXX  United Auto Acceptance XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Under FCRA- Inaccurate XXXX Reporting of Charged-Off Account Dear TransUnion, This letter serves as a formal dispute under the fair credit reporting act ( FCRA ) regarding the repetitive and inaccurate reporting of a charged-off account by United Auto Acceptance, which is currently appearing on my credit report. 

The United Auto Acceptance account in question XXXX is being reported as charged-off repeatedly each month, which is both factually incorrect and in violation of FCRA.

According to the FCRA, information reported to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681 ]. Re-reporting a charge-off monthly is not only inaccurate, it creates the false appearance of a recurring derogatory event, which artificially and unfairly suppresses my credit score month after month.

Let me be clear : A charge-off is a one-time event that should reflect the original date of occurrence only. Continuing to update the status monthly as if the charge off is renewed is deceptive and noncompliance with the FCRA.

Action Demanded : Immediately investigate this account with United Auto Acceptance.

Correct or delete the inaccurate monthly charge-off updates.

Provide a written response within 30 days as requested as required under federal law.

Failure to correct this error may result in further action including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for willful noncompliance with the FCRA.

I have enclosed a copy of my ID, proof of address, and a copy of the relevant credit report with the inaccurate information highlighted.

I expect your prompt attention to this matter. please confirm in writing that this dispute has been investigated and resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation