vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: HI

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file by XXXX XXXX, account number ending in XXXX. 

The account was charged off in XX/XX/XXXX, but your records show a repeated CO notation every month through XX/XX/XXXX, which constitutes illegal re-aging of a charged-off debt. Under the FCRA ( Fair Credit Reporting Act ), charge-off status should only be reported once, and the Date of First Delinquency should not be updated due to subsequent payments or activity. 

This reporting artificially extends the derogatory impact on my credit profile, manipulates credit scoring models, and violates XXXX XXXX and FCRA standards. Please initiate an investigation and remove all subsequent CO notations past XX/XX/XXXX, correct the payment history, and ensure the charge-off is not re-aged or extended beyond legal reporting limits. 

Please delete from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : Formal Dispute XXXX XXXX Account # XXXX {$7500.00} Charge-Off To Whom It May Concern, This letter serves as a formal dispute and final legal demand under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the following unverified and inaccurate charge-off account that is being reported on my credit file : Creditor : XXXX XXXX  Account # : XXXX Balance : {$7500.00} Status : Charge-Off I am exercising my full rights under 15 U.S.C. 1681i and 1692g ( b ) to demand a lawful reinvestigation and immediate deletion unless the account is properly validated. 

Furthermore, this account is being reported as a charge-off, yet I have not received a Form 1099-C from XXXX or any affiliated party. 
If this debt was actually forgiven and charged off, the IRS would have required the issuance of a 1099-C as taxable income. The absence of such documentation raises serious questions about the accuracy and legality of the charge-off designation being reported. 
I now demand that you provide the following : A copy of the original signed agreement bearing my wet signature A full and complete billing/payment history for this account A flow sheet showing all activity and communication tied to this charge-off Documentation proving you verified this information with the original creditor The full name, title, and direct contact information of the person who verified the debt Proof that IRS Form 1099-C was issued for the charged-off balance, per IRS rules If you can not or will not provide this documentation : Immediately delete this account from my credit report Cease all future reporting or reinsertion attempts Failure to comply within XXXX calendar days will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A report to the Federal Trade Commission ( FTC ) A grievance to the XXXX  Attorney General Civil litigation under 15 U.S.C . 1681n and 1681o for full statutory, actual, and punitive damages FINAL NOTICE : If you can not prove it, then by law, you must remove it. 
And if you claim its charged off, I demand proof in the form of a 1099-C as required by IRS regulations XXXX 

Govern yourselves accordingly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I took out a secured loan through OneMain Financial in which I leveraged my XXXX XXXX XXXX in order to obtain a loan for debt consolidation reasons. At the time, I was educated on predatory lending practices, and only saw the loan as a means of relief from overextending myself financially. 
At the beginning of XXXX, my financial situation changed drastically. My ex-husband stopped paying child support for my oldest child and my son 's XXXX benefits were revoked, which caused me to lose almost {$1000.00} a month in income that I had previously relied on to help pay my bills. I have struggled financially ever since, and had to end up signing up with a debt resolution service to help me negotiate better rates on my debt and avoid hurting my credit any further. 
The payment for my loan through OneMain Financial is my second most expensive bill each month. Recently, I left my job due to harassment in the workplace, and have been trying to work with my creditors to lower my bills as much as possible until I find a new job. After realizing that even after paying the {$360.00} payment each month it was only taking approximately {$12.00} off the balance of the loan each month, I contacted OneMain Financial to try to negotiate surrendering the vehicle to them in order to satisfy the loan. However, I learned that even if I allow them to take ownership of my vehicle, it does not satisfy the loan and I am still responsible the payments. This was never explained to me when I signed this loan. If I had known that was not an option, I would have never agreed to leverage my vehicle for the loan. 
In addition I was tricked into purchasing XXXX XXXX XXXX, which was supposed to safeguard me from liability in the case of financial hardship. It was only recently that I realized the life insurance does not cover the entirely of the loan balance ; this was also not explained to me when I entered into the agreement. 
Furthermore, I am often sent offers from the company to try to get me to take out a new loan through them in order to pay this XXXX off- which would only cause me to stay in this debt cycle for longer. After doing more research on OneMain Financial, I realize now that even though the company is a legit business, they have already been sued before for predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I owe {$1300.00} and was originally making regular payments to settle this debt with XXXX XXXX XXXX and XXXX XXXX Services. After several months of payments, I requested a letter of verification of debt from XXXX XXXX However, I never received a response and instead, the debt was sold to another collections company. 

I then contacted the new collector ( the XXXX after XXXX ) and requested the letter of verification. In response, Mandarich Law Group sent me an old statement from the original lender, XXXX XXXX XXXX, but never provided the verification letter I had requested. This exchange occurred in XX/XX/year>. 

By XX/XX/year>, without allowing me to settle the debt, Mandarich Law Group filed a complaint with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AZ

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate and correct inaccurate information I disputed. On XX/XX/2025, I mailed a certified dispute letter to Equifax requesting a full investigation of a collection account from XXXX XXXX XXXX, originally associated with XXXX  XXXX. 

I specifically requested verification under FCRA 1681i and FDCPA 1692g, including full itemization of the alleged debt, original creditor documentation, legal proof of ownership or assignment, and the original charge-off statement from XXXX XXXX 

On XX/XX/ 2025, Equifax responded by stating the account was verified but failed to provide any documentation or supporting evidence from XXXX XXXXonly a summary confirmation from the third-party debt collector, XXXX. 

According to the FCRA, Equifax is required to conduct a reasonable investigation and ensure that all information reported is accurate and verifiable. This account was not properly validated, and no evidence from the original creditor was included. 

Equifaxs failure to fix this clear reporting error, despite my formal dispute and proper documentation, is a violation of my consumer rights under the Fair Credit Reporting Act. I am requesting that this unvalidated account be permanently removed from my credit file, and that Equifax be held accountable for failing to meet its obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX for serious violations of the Fair Credit Reporting Act ( FCRA ). 



On XX/XX/XXXX, I sent certified dispute letters to XXXX XXXX and all three major credit bureaus ( Equifax, Experian, and TransUnion ), requesting investigation and validation of the account tied to a XXXX XXXXXXXX XXXX XXXX. This account is reporting inaccurately and has never been validated. 



Despite receiving my dispute, Exeter did not respond or provide any verification or supporting documentation. Instead, they continued furnishing data to the credit bureaus and updated the payment history retroactively, including months when the account was already charged off a direct violation of FCRA 611 and 623 ( a ) ( 2 ).

Additionally, the vehicle in question was totaled in XXXX during an accident in XXXX. I was not the driver involved in the incident. Law enforcement contacted me at the time, and XXXX communicated directly with the insurance company. Since then, I have not been given any explanation for the balance still being reported, nor have I received any documentation supporting this debt. 



As of XX/XX/XXXX, this account remains negatively reported on Equifax, Experian, and TransUnion, despite the lack of validation and my timely dispute. The balance remains inflated and the reporting continues to harm my credit.

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 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capitol is listed on my credit report as a debt buyer for a XXXX XXXX account that is not mine. I have disputed this with al 3 credit reporting agencies but it has not been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I HAVE XXXX LOANS LISTED ON MY XXXX  REPORT AS XXXX XXXX XXXX. ALL XXXX OF THESE ACCOUNTS HAVE TRANSFERRED TO MOHELA. XXXX OF THEM ARE PAID IN FULL AND THE OTHER XXXX ARE BEING PAID AFTER ADMINSTRATIVE FORBERANCE ENDS. IT IS HARD TO MATCH AND CONFIRM EACH ONE FROM XXXX XXXX, HOWEVER I WAS ABLE TO DO MY BEST WITH MOHELA. I AM IN THE PROCESS OF GETTING A LOAN FOR MY FIRST HOME AND UNDERWRITER NEEDS TO UNDERSTAND THE XXXX THAT ARE STILL BEING PAID ARE THE ONES ON THE REPORT, ATTACHED IS DOCUMENTATION SHOWING WHAT IS GOING ON. HOPEFULLY YOU CAN HELP ME.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
Ticket ID : XXXX XXXX XXXX  account was unexpectedly restricted on XX/XX/year> without any explanation. The next day, on XX/XX/XXXX, I submitted all the identity verification documents they requested, including a selfie with my ID and a handwritten note with the current date. 

Since then, I have received no response from XXXX  support. My account still remains locked, and I am unable to access or withdraw approximately {$1700.00} or there about as the value increases or decreases according to market rates, that I legally own. 

using withdrawal restrictions as a means to use customers funds for other investments purposes, No existing customer support This XXXX should be shut down! 
Over XXXX percent negative reviews on XXXX, how are they even allowed to function as a financial organization. 

I have contacted XXXX  through their support system, but they have not responded to my follow up messages. This delay is unacceptable, especially given the financial amount involved. 

I am not disputing XXXX  decision to restrict or close my account I only request that they release my funds to my verified XXXX XXXX  account or external XXXX address. I have complied with all verification steps and followed their instructions in good faith. 

I respectfully request the CFPBs assistance in ensuring that Gemini returns my funds and resolves this issue promptly. 

Ticket number : XXXX Account email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple entries currently appearing on my credit file. These accounts and inquiries contain inaccurate information, unverifiable debt, or inconsistencies across the major credit bureaus. 

Disputed Accounts : XXXX XXXX XXXX payment reported in XX/XX/XXXX does not match my records and appears to be incorrect. 


XXXX XXXX XXXX XXXX account opened XX/XX/XXXX is unverifiable and lacks supporting documentation of the original debt. 


Capital XXXX ( Acct XXXX ) Closed account continues reporting derogatory history as of XX/XX/XXXX, with inconsistencies. 


Capital XXXX ( Acct XXXX ) Another closed account last updated XX/XX/XXXX, also reporting negatively without validation. 


XXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX, with no current balance or proof of delinquency. 


XXXX XXXX XXXX XXXX separate listings : XXXX opened XX/XX/XXXX, updated XX/XX/XXXX Another opened XX/XX/XXXX, updated XX/XX/XXXX These appear to reflect duplicate reporting of the same account. 


Disputed Hard Inquiries : The following inquiries appear on only XXXX bureau and raise questions about authorization and reporting accuracy : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian only ) XXXX XXXX XXXX XXXXated XX/XX/XXXX ( Equifax only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder the FCRA, hard inquiries XXXX have both written authorization and a legitimate purpose. Please delete any that can not be supported with original application records or signed consent.

Additionally, every item on a credit report must be complete, accurate, and verifiable. If an account or inquiry can not be confirmed through original documentation or is inconsistently reported across the major credit bureaus, I request that it be permanently removed. Thank you P.s Due to file size limits, I was unable to upload supporting credit report documents here. However, I can provide full copies of my Equifax and Experian reports upon request. I have full PDFs available and can provide them by email or secure upload upon request.

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 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian this is regarding an ongoing dispute that I have with XXXX XXXX XXXX, XXXX  has for the past 5 years provided false & inaccurate balance amount owed to an account, on my credit report, that has damaged my credit, hindered my ability to obtain rental property, so this day, I ask that XXXX, CFPB & Experian Credit Bureau to remove & delete this account immediately I have provided all documents to show that XXXX  has falsely & inaccurately on purpose to gain financially from me, lied to Experian on my credit report concerning a balanced owed.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX ( also known as XXXX XXXX ), and I am submitting this formal complaint regarding Chime Banks ongoing refusal to release my funds or restore access to my account, despite my full cooperation, transparency, and repeated explanations. 

The issue began when I received a deposit of approximately {$20000.00}, which was sent directly into my Chime account by XXXX XXXX a legal online sweepstakes platform. This money was not transferred by me, but deposited by the sweepstakes provider itself, confirming that it came from a legitimate prize payout. 

The winnings were earned through gameplay using XXXX XXXX bonus credits I received from the platform due to my regular participation and promotional login rewards. I frequently use sweepstakes platforms that operate legally under XXXX sweepstakes laws and offer real-cash prizes. 

Shortly after the deposit, Chime locked my account and demanded documentation of income, such as W-2s, paystubs, or tax returns. I have fully explained to them that : I am currently unemployed and do not have a traditional job or income. 
The funds were legally won via sweepstakes XXXX XXXX and deposited by the platform itself ( XXXX ). 
I do not have W-2s or paystubs, because this was not employment income. 
I have no access to my Chime account, statements, or transaction history the very documents Chime keeps requesting. 
I informed Chime multiple times that my account is locked and that I am therefore unable to retrieve any statements or banking information to comply with their requests and they have ignored this point entirely. 
I also occasionally sell personal belongings for cash via local platforms like XXXX XXXX, which does not impact or involve my Chime account. 

Despite explaining everything clearly and in good faith, Chime continues to send me generic responses demanding income documents I can not possibly provide under these circumstances. I feel like Im stuck in an endless loop, being denied access to my own money with no real option for resolution. 

This situation has caused me severe emotional distress, financial hardship, and disruption to my daily life. I have made every effort to comply, remain patient, and resolve the issue directly with Chime, yet I continue to be ignored and dismissed. 

I respectfully request that your office investigate Chimes handling of this matter and assist in restoring access to both my funds and my account records. I am willing to provide any supporting documentation I am able to obtain outside of the locked account. 

Thank you for your time, assistance, and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I dont recognize this debt. I have not received any communications at all of any debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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