vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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'm a XXXX XXXX XXXX XXXX and have a fraudulent collection account appearing on my credit reports. Attached is a letter which contains a name which is not me, but belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
I am submitting this complaint regarding Universal Acceptance Corporation, doing business as XXXX XXXXXXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The above-referenced account is being reported on my credit report, and I dispute this account in its entirety. 

On XX/XX/year>, I submitted a written debt validation request to Universal Acceptance Corporation pursuant to FDCPA, 15 U.S.C. 1692g ( b ). As of the date of this complaint, the company has failed to provide proper validation of the alleged debt. 

Specifically, Universal Acceptance Corporation has failed to provide : Proof that I am legally obligated for the alleged debt A copy of the original signed contract or agreement A complete itemized accounting supporting the reported balance Documentation showing legal authority to collect or report this debt Documentation establishing a valid chain of title for the account Despite the lack of proper validation, the account continues to be reported to consumer reporting agencies, and I believe it is being furnished without verification, in violation of the FCRA, 15 U.S.C. 1681s-2. 

Additionally, I instructed the company to cease communication pursuant to FDCPA, 15 U.S.C. 1692c ( c ), except for written correspondence providing validation or notice of termination of collection efforts. 

I am requesting that the CFPB investigate this matter and require Universal Acceptance Corporation to either : 1. Provide proper, lawful validation of the alleged debt, or 2. Cease collection activity and remove the account from all consumer reporting agencies I have attached copies of my correspondence and supporting documentation for review. 

Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint to the Consumer Financial Protection Bureau ( CFPB ) Company : XXXX ( Auto Loan Furnisher ) Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  TX XXXX Complaint Summary I am filing this complaint regarding XXXX failure to properly investigate and respond to a formal written dispute and the continued inaccurate reporting of an auto loan account on my credit reports. 

Detailed XXXX XXXX XX/XX/year>, I submitted a formal written dispute via certified mail to XXXX regarding an auto loan account they are reporting. The dispute challenged the accuracy, completeness, and balance of the account and requested documentation supporting the reported balance, payment history, and derogatory notations. 

XXXX never responded to my certified dispute letter. 

Despite the lack of response or documentation, the credit reporting agencies ( XXXX  Equifax, XXXX XXXX  ) later sent me automated notifications stating that the account was verified. These responses contained no supporting evidence, no documentation, and no explanation of how the investigation was conducted. 

The account continues to report a balance of approximately {$19000.00}, along with derogatory payment history and a profit and loss write-off remark, even though the account is reported as closed. This reporting is inconsistent, misleading, and unsupported. 
Violations and Concerns I believe the following violations may have occurred : Failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ) Failure to respond to a direct dispute submitted via certified mail Inaccurate and incomplete credit reporting, including conflicting account status, balance, and remarks Credit bureau reinvestigations that relied solely on furnisher verification without requiring competent evidence, contrary to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) A verified response without documentation or explanation does not satisfy the legal requirement of a meaningful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My ex called Wells Fargo to make a fraudlent and false claim that his card got stolen and there were " fraudlent '' purchases because he gave me his card information and I made, authorized by him, purchases He is mad and now wants to make false claims to get the money back. The dates from these purchases started on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. He told me he called the Wells Fargo bank today to falsely report the card as " stolen '' because he is mad at me and is trying to control me and where I shop.

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 2025-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, a losn was taken out. I was sent a final balance of {$180.00}. By XX/XX/XXXX, I paid back what I borrowed and then some ( for a total of {$970.00} ). I was further charged XXXX on XX/XX/XXXX which increased to {$180.00} on XX/XX/XXXX. 

I removed the ACH authorization from my bank account XX/XX/XXXX. It was sent and sold to several collections agencies, now Im being told they trying to sue me for over {$1000.00} Seven plus years later I start receiving harassing and threatening phone calls again at my number and my parents number stating I am being served. I called at least three times and left a message before I spoke to someone this week. 

I received several phone calls and voicemails from a mediation firm stated as XXXX XXXX XXXX. I called the XXXX ( XXXX ) XXXX that showed up as a XXXX number on Monday, XX/XX/XXXX and spoke to XXXX XXXX who stated I had taken out a loan with XXXX  from XXXX, which is incorrect. She asked if the name sounded familiar which I said yes, I stated I wanted to check my records. She said she could hold the account for 48 hours. I called back Wednesday, XX/XX/XXXX. XXXX was not available. XXXX XXXX took my call. Her notes from XXXX stated that I didnt want to resolve the issue which I informed her was incorrect and that I never said that and reiterated that I wanted to check my records. I asked if they could send me a written record of this debt and its details, she deflected several times then finally said they dont have it since they are an arbitration firm. She then said so you want to go to court, I stated I never said that I wanted a written record. 

I asked for their firms name and address with the spelling to contact the appropriate authorities which she gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: RI

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2025-12-18 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: IL

Complaint narrative:
I am disputing a debt listed by XXXX XXXX, Original Creditor : XXXX XXXX XXXX, Account XXXXXXXX XXXX XXXX XXXX, Balance {$360.00}, as inaccurate, incomplete, and unverifiable. I request full validation under DCPA 809 ( 15 U.S.C. 1692g ). I allege violations of FDCPA 807 ( 1692e ) and 808 ( 1692f ) for false, misleading, and unfair practices. The information reported may be obsolete or incorrect under FCRA 605 ( a ) and 605 ( c ), including the Date of First Delinquency ( DOFD ), and may violate FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) for failure to ensure accurate reporting. I am disputing all inaccurate or unverifiable information under FCRA 611 and request full disclosure under 609 ( a ) ( 1 ).

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 2025-12-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
CFPB COMPLAINT XXXX XXXX I am filing this complaint against Ally Financial Inc. and its indenture trustee, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding my XXXX XXXXXXXX XXXX ( VIN XXXX, Agreement No. XXXX ). I have formally revoked all powers of attorney, all alleged security interests, and any asserted right to repossess the vehicle, yet Ally continues to claim authority and appears to rely on filings or instruments that may be invalid or improperly maintained. I believe there may be potential securities fraud, including misrepresentation or misuse of securitized loan instruments and trust-indenture documentation involving XXXX XXXX XXXX XXXX XXXX XXXX . I also suspect possible tax-evasion issues related to how the security interests or underlying notes are reported or structured. I request that the CFPB investigate Ally Financial Inc. and XXXX XXXX XXXX XXXX XXXX XXXX  for any improper lien practices, unlawful repossession attempts, deceptive servicing conduct, or mismanagement of securitized assets associated with this account. 

CFPB COMPLAINT XXXX XXXX XXXX I am filing this complaint against Ally Financial Inc. and its indenture trustee, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding my XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX, Ally Agreement No. XXXX ). I previously revoked all powers of attorney, any claimed security interests, and all alleged rights to repossess the vehicle. Despite this, Ally continues to assert authority over the account, potentially using filings, assignments, or securitized instruments that may be defective or unlawfully constructed. I believe this conduct raises concerns of potential securities fraud involving the trust-indenture structure managed by XXXX XXXX XXXX XXXX XXXX XXXX , as well as possible tax-evasion issues if assets or interests are not properly reported. I request the CFPB investigate Ally Financial Inc. and XXXX XXXX XXXX XXXX XXXX XXXXXXXX for questionable securitization practices, unlawful or deceptive collection activity, and any misuse of securities or trust instruments related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
I graduated in XX/XX/XXXX, and my student loans were transferred to Mohela. From that point forward, I had no access to my loan account. Mohelas system wouldnt recognize my information, and I was unable to log in, view balances, or make payments. 

Throughout XXXX and into XXXX, I contacted Mohela multiple times by phone. Even in XX/XX/XXXX, a representative told me they still couldnt locate my account in their system. Despite this, I continued receiving letters showing late fees and growing balances. I had no way to verify or pay these amounts due to Mohelas system issues. 

I finally gained access to my account in XX/XX/XXXX and immediately began making monthly payments. To date, I have paid {$1800.00}. Previous attempts to pay did not go through, not because of negligence, but because the system would not allow me to make payments. 

Despite my efforts, Mohela reported my loans as 90 to 130 days delinquent. This has caused a drop in my credit score from XXXX to XXXX, the cancellation of a credit card, reduced credit limits, rejection for a home loan, and ineligibility for a lower-interest personal loan to consolidate debt. 

All of this occurred while I was actively trying to fix the issue. It was caused by Mohelas internal system failures and lack of communication, not by any failure on my part. 

I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and have made every effort to meet my obligations while working full time. I have also submitted a deferment request to Mohela in an attempt to buy time and prevent further damage to my credit while I try to resolve this situation. I am requesting that Mohela remove the inaccurate delinquency reporting, as the issue was entirely out of my control.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
I am reporting serious servicing errors and misconduct related to my federal XXXX loan account that have made it impossible for me to reliably repay or trust the accuracy of my loan. 

My account contains incorrect personal identifying information, specifically a Social Security number that does not match mine, which raises significant concerns about data integrity and the accuracy of all balances, payments, and records associated with this loan. 

In addition, my loan has been rewritten or modified without my knowledge, consent, or authorization. Repayment terms, balances, and payment information appear to have changed without explanation, documentation, or approval. As a result, balances and payment amounts are incorrect, and I can not verify what I truly owe. 

I have been attempting to resolve these issues with my loan servicer since XX/XX/year>, but despite repeated contacts, the servicer continues to state that an account specialist will reach out. No such contact has occurred, and no meaningful investigation or correction has been completed. 

Because my account contains incorrect Social Security information, unauthorized loan modifications, and unresolved balance discrepancies, I do not have confidence that any amount being requested is accurate or valid. I can not reasonably be expected to repay a loan when the underlying account data is demonstrably incorrect and has not been properly investigated or corrected. 

I am requesting immediate intervention to : Correct all personal identifying information on my account Reverse any unauthorized loan modifications Conduct a full audit of balances and payment history Provide written confirmation of accurate and corrected loan terms Until these errors are resolved, the account remains unreliable and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I submitted a written billing dispute on XX/XX/XXXX regarding fraudulent charges on my credit card account. The creditor failed to acknowledge my dispute within 30 days as required under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I sent a second notice and still received no response.

I am requesting : Written acknowledgment of my dispute Suspension of all collection and negative credit reporting Reopening and proper reinvestigation of the disputed charges Full documentation supporting any claim that the charges were authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX and its failure to properly verify an account after receiving my certified written dispute. Despite reporting an active balance, the company responded in writing that it can not locate the account in its system, yet the account remains on my credit reports. I am requesting removal of this account. 

Detailed Statement On XX/XX/year>, I sent XXXX XXXX XXXX a certified letter disputing an account they are reporting on my credit file. I requested verification and documentation under the Fair Credit Reporting Act ( FCRA ). 

In response, XXXX XXXX XXXX sent me a letter stating that they can not find or locate the account in their records. This response confirms that XXXX XXXX XXXX does not have the ability to verify the accuracy, balance, or status of the account they are furnishing to the credit bureaus. 

Despite admitting that they can not locate the account, the account continues to be reported with a balance of {$10000.00}. 

Violations and Legal Concerns I believe XXXX XXXX XXXX is in violation of federal law, including : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not provide information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) Upon receiving a dispute, a furnisher must conduct a reasonable investigation and must correct or delete information that can not be verified.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Information that is inaccurate or can not be verified must be deleted.

12 C.F.R. 1022.43 ( a ) ( 2 ) Requires investigation of disputes related to account terms, balances, and payment status.

Continuing to report an account while simultaneously stating it can not be located demonstrates that no reasonable investigation could have been performed and that the information is unverifiable.

Company response to consumer: Closed with explanation