vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I took out a personal loan but the only way I can get the loan they told me I need it to put my truck as collateral if not I couldn't get the loan. So I did but now I suffer a injury I have two lower herniated disc that cause me a lot of pain so I haven't work seen my injury and am struggling to pay the loan an am trying so hard to keep up with my payments but I don't have enough money I have six kids and my wife to support to an I try so many time with the company to help lower my payments or lower my interest rate but the only solution for them is to get another loan an to bring another car yo put down as collateral if not am not approved for refinance or anything if I don't have something to put down as collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested full validation of debt from the credit reporting agencies ; however the information has not been provided.Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a screenshot showing my information being exposed in a national data breach, and a 605b attachment.

My name is XXXX XXXX XXXX, and that is the only name that should be reporting on my credit report. Please delete all other names on my credit report as they are inaccurate, I should only have ONE NAME reporting, which is XXXX XXXX XXXX. The only mailing address that should be reporting on my credit profile is XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. Please delete all other addresses, I never lived there so they are innaccurate. Also, please delete ALL inquiries listed on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I looked at my XXXX  credit report on XXXX XXXX and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act- whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 e, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-15 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: GA

Complaint narrative:
I looked at my XXXX  credit report on XXXX XXXX and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act- whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 e, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was victim to a phishing scam and capital one refused my fraud claim and didnt give me a provisional refund which is required under the EFTA act. I am now out {$680.00} and neither capital one nor the merchant, XXXX  will return the funds. XXXX and XXXX both report data breeches in XXXX of this year and thats when the fraudulent transaction ( s ) were made ( XXXX of them ). I am out of work in financial crisis that was the last of my unemployment and I now face eviction utility shut off and possible sale of my vehicle to cover bills. Its not fair I eat that when they refuse to do their jobs and issue a refund. XXXX XXXX has XXXX claims against them for similar phishing scams and XXXX complaints to the XXXX and a class action lawsuit. I need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was sent a debt collection notice to pay {$270.00}. Claiming that i had a XXXX MONTHLY LOAN account from XXXX. I know that i never opened a loan account with them and I do not owe any money to this company. Before I received this letter i closed my regular XXXX account because i was receiving suspicious activity in my email and other people were reporting that there is a scam going around because paypal has been hacked by criminals trying to collect money from people. 
I want this to be investigated and fixed soon. I made sure i owed nothing in fact i had some money left in my XXXX  account that i was able to transfer back to my personal bank. Nonetheless i never opened a loan account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Aldous & Associates, PLLC
State: MD

Complaint narrative:
I drafted a letter requesting for debt validation on XX/XX/year>, and mailed letter out on XX/XX/year>. The letter got delivered on XX/XX/year>, and I received a return receipt, confirming the company received the letter. It has now been more than 30 days and I have not received a letter back validating the debt they are reporting to Experian, and the debt is still being reported as of today, XX/XX/year>. Aldous and Associates PLLC has failed to validate the debt they are reporting which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Dear ALDOUS & ASSOCIATES PLLC, I am writing in response to a [ letter/phone call ] received from your office regarding an alleged debt you claim I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Please note that I am not acknowledging or accepting any liability for this debt. I am requesting that you provide the following documentation to validate the debt you claim : The name and address of the original creditor A full itemization of the alleged debt, including interest, fees, payments, and principal balance A copy of the original signed contract or promissory note bearing my signature Proof that you are legally authorized to collect this debt in my state Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ), the FTC, and my state attorney general. 
Please respond within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to dr
op the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Last XXXX SSN : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Foreclosure proceedings were taken against my home on XX/XX/2025 in court without me being served the legal papers to appear. My home was foreclosed. Without my lawyer or I knowing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
GOT A NOTICE FROM MY EXPERIAN APP, ON XX/XX/year> THAT I HAVE A DEROGATORY REMARK ON MY CREDIT FILE. IT STATES THAT XX/XX/year> an account was opened and on XX/XX/year> I became delinquent! I WAS NEVER NOTIFIED I WAS DELINQUENT! I DONT EVEN KNOW IF ITS MY ACCOUNT! I KNOW NOTHING ABOUT THIS ACCOUT AS I WAS NOT GIVEN A CHANCE TO VALIDATE THIS DING ON MY CREDIT. ONLY WAY I FOUND OUT WAS AFTER MY ACCOUNT WAS DINGED AND EXPERIAN NOTIFIED ME. The company is MIDWEST RECIEVABLE SOL. 
XXXX XXXX XXXX XXXX, XXXX Michigan 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 2025-09-15 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I write as a documented Texas victim of identity theft arising from both the Equifax data breach and related incidents. Despite furnishing you with a valid FTC Identity Theft Report, you continue to report demonstrably fraudulent tradelines on my credit file. Specifically : XXXX. XXXX XXXX : Account ending in # XXXX ; balance {$69000.00} ( fraud began XX/XX/XXXX ) XXXX. XXXX XXXX : Account ending in # XXXX ; balance {$20000.00} ( fraud began XX/XX/XXXX ) XXXX. XXXX XXXX XXXX : Account ending in # XXXX ; balance {$32000.00} ( fraud began XX/XX/XXXX ) XXXX. XXXX XXXX : Account ending in # XXXX ; balance {$9800.00} ( fraud began XX/XX/XXXX ) Under the FCRAs delete mandate ( 15 U.S.C. 1681c-2 ( a ) ), you must expunge and permanently remove any information arising from identity theft upon receipt of a proper report. Your ongoing retention and reporting of these tradelines violate that statutory duty. You are also in breach of : 15 U.S.C. 1681i by failing to conduct a reasonable reinvestigation of my disputes, and 15 U.S.C. 1681e ( b ) by neglecting to ensure the maximum possible accuracy of my credit file. 15 U.S.C. 1681b by furnishing my credit data without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Dear whom this may concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last XXXX SSN : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
On my statement for XX/XX/year>, the payment line does not match the previous balance. I have set up automatic payments to pay the entire previous balance so I would never pay any interest or finance charges. I always pay the balance in full, through automatic withdrawal from my checking account. 
The credit card company did not withdraw the correct amount from my bank. On the statement, a refund I received that is listed on the other credits line, when added to the payment line, totaled the previous balance amount. Therefore the bill was paid in full. However, the following month, the credit card company charged me a finance charge, because the automatic withdrawal amount for payment did not match the previous balance amount due. This was the fault of the credit card for not withdrawing the entire previous balance amount as specified in my electronic XXXX XXXX set-up. I want to be refunded the finance charge that was fraudulently applied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
On XX/XX/year>, I confirmed through the official Equifax Data Breach Settlement portal ( Engagement No. XXXX ) that my personal information was impacted by the Equifax data breach. Because my sensitive consumer data was compromised, I am experiencing negative credit reporting and inaccurate information on my Equifax credit file. Derogatory accounts such as charge-offs and collections were reported after my data was exposed. These items are the result of compromised information, not legitimate transactions. I am requesting protection under the Fair Credit Reporting Act, including blocking of adverse information under 15 U.S.C. 1681c-2 and correction of all unverifiable or inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/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 2025-09-15 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief