vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I paid up on the policy car insurance the agent was upset I moved to another company after filing for fraud they tried to convince me to stay but months later I got a mail stating I owe {$470.00} I don't claim that at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/year>, I contacted USAA because XXXX XXXX XXXX XXXX XXXX charged me {$10.00} because my payment was late. I paid via Bill Pay service from I called USAA on the same day at around XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX. I was told that USAA will follow up and was given a case XXXX XXXXXXXX, A week later on XX/XX/year>, I followed up a phone call but was not given any information. There was no action taken. I am asking for {$10.00} be pay back to me. I was told that this will be forwarded to their Bill Pay. Again on XX/XX/year> at around XXXX, I called USAA again and spoke with XXXX XXXX and was told that no one looked into my issue. I told them that I will contact CFPB if I do not receive an official response from them.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
checked my credit report and noticed that there's a lot of inaccurate information on my report I respectfully express my concern over the violation of my consumer rights through the dissemination of inaccurate information. Equitable treatment and adherence to accuracy and compliance responsibilities are my rightful expectations. Please provide all available details on their shortcomings. Negative information, regardless of certification, is intolerable. The factual truth regarding your company 's operations and the data pertaining to my credit profile is of utmost significance. The lack of accuracy in the credit report I received is surprising, given the expected adherence to the FCRA and data field formatting standards. I challenge you to create a verified, complete, and truthful document that presents evidence for each claim. Any deviation from these standards, as highlighted in the 2020 XXXX, jeopardizes data integrity, posing a serious issue

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
checked my credit report and noticed that there's a lot of inaccurate information on my report I respectfully express my concern over the violation of my consumer rights through the dissemination of inaccurate information. Equitable treatment and adherence to accuracy and compliance responsibilities are my rightful expectations. Please provide all available details on their shortcomings. Negative information, regardless of certification, is intolerable. The factual truth regarding your company 's operations and the data pertaining to my credit profile is of utmost significance. The lack of accuracy in the credit report I received is surprising, given the expected adherence to the FCRA and data field formatting standards. I challenge you to create a verified, complete, and truthful document that presents evidence for each claim. Any deviation from these standards, as highlighted in the 2020 XXXX, jeopardizes data integrity, posing a serious issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
XXXX XXXX was notified of my illness and that I was hospitalized for over a year I never missed one payment I was told not too worry about the remaining balance they received credit from the irs yet its showing on my account as a charge off i would report as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: PA

Complaint narrative:
It appears an inaccurate late payment on my credit report but I have a lender-approved extension that shows no payment was due during that time, and I should not have been marked as late.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It appears an inaccurate late payment on my credit report but I have a lender-approved extension that shows no payment was due during that time, and I should not have been marked as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: SC

Complaint narrative:
had cash app for years and they up and closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
I am disputing a {$2700.00} debt placed in collections by XXXX. I enrolled in their pharmacy technician program but was unable to complete it due to car issues that prevented me from attending the required externship. I communicated this with XXXX and provided them with an explanation of my situation. Instead of working with me or offering alternative solutions, I was pressured with a 48-hour deadline to secure externship transportation or be removed from the program. This felt like harassment, and it left me with no realistic option but to drop out. 

After being forced out of the program, XXXX then documented it as if I voluntarily dropped out, which is not true and completely misrepresents what happened. I have email records proving I reached out in good faith to resolve the issue, and that I did not choose to leave on my own. 

On top of that, I later learned XXXX is now facing a lawsuit for deceptive and predatory practices including misleading students, failing to provide support, and pursuing payment for incomplete or undelivered services. The problems I experienced line up directly with the allegations in the lawsuit. I was treated unfairly and left with a collection account for a program I couldnt finish through no fault of my own. 

Despite these facts, XXXX has refused to investigate or remove the account from my credit report. This is harming my credit and financial opportunities. I am requesting that this collection account be permanently removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I received a letter in the mail notifying me the comenity bank XXXX XXXX card had been closed involuntarily. I did not authorize this. The representative I spoke to on the phone was very rude & disrespectful and took the liberty of closing my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally disputing several inaccurate, unverifiable, and potentially unauthorized accounts currently being reported on my credit file. I recently obtained a copy of my TransUnion credit report and was deeply concerned to find the negative accounts, which are damaging my creditworthiness and putting me at risk of being denied for essential financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am formally disputing several inaccurate, unverifiable, and potentially unauthorized accounts currently being reported on my credit file. I recently obtained a copy of my TransUnion credit report and was deeply concerned to find the negative accounts, which are damaging my creditworthiness and putting me at risk of being denied for essential financial opportunities.

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 2025-04-13 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: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of CapitolOne account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

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 2025-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

The accounts below have violated my rights.

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

XXXX15 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. 

ousumer reporting agency ma any consumer report co uning any of the following items of information Any gor so that remove XXXX 5 U.S.C 1681c . ( a ) ( 5 ) Section States. no ther 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 ) ( a ) 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. 

Delete the accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: AL

Complaint narrative:
I am filing a complaint against Grant & Weber regarding a charged-off personal loan that originated with XXXX XXXX XXXX XXXX XXXX The account was closed and charged off in 2021, but Grant & Weber is now attempting to collect on it and reporting it to the credit bureaus. 

I have submitted multiple written requests asking for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including : Proof that Grant & Weber legally owns or has been assigned the debt A copy of the original signed loan agreement A full payment and charge-off history Confirmation of whether any IRS Form XXXX was issued ( which would indicate cancellation ) To date, I have received no documentation validating this debt. Despite this, Grant & Weber continues to report the account with a balance to Experian and Equifax, which is damaging my credit. I have disputed this with the credit bureaus, but the item is marked verified without any actual investigation or documentation. 

This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting that Grant & Weber cease collection and credit reporting on this account unless they can provide full legal validation.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND TRAFFICKING. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
My loan carrier for my fedaral loads was XXXX. I was paying them every month on time. They switched carriers to Mohela without notifing me. I got behind becouse I didn't know who to pay. I caught up my payments in one lump sume plus paid a month ahead. In the next few weeks they reported me 90 days past due on payments, and dropped my score XXXX points or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
All my student loans were in good standing as of XX/XX/year>. Under the fair credit reporting act it is My due diligence to receive fair credit reporting information on who services my loans, and when payments are due. I was not notified that my payments were out of forbearance. I was not sent any letters and I was also never given a phone call. My student loan servicer is XXXX. The reporting is inaccurate because it states that I was 90 days late as of XXXX, but the last 90 days in my credit report have green checkmarks in them. My score dropped XXXX points. I do not agree with this annihilating credit reporting. I am doing everything to dispute the late payment history because I was not giving notice that I was 30 days or 60 days late. I do not believe they have any of my contact information, And I have not received certified mail from XXXX about when my student loan repayment starts. Within the last XXXX months, I was also unable to work due to a workers injury, I went through an attorney and filed for Workers Comp. and I have all the documentation to provide Stating my condition and why it is really difficult for me to find work.

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 2025-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
COLLECTION AGENCY ABSOLUTE RESOLUTIONS XXXX : XXXX XXXX XXXX XXXX $ XXXX COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON THE NYSE. ( Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
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 explanation
Consumer complaint received 2025-04-13 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: CA

Complaint narrative:
This vehicle was paid off but it's reporting that it was including in a bankruptcy.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This vehicle was paid off but it's reporting that it was including in a bankruptcy.

Company response to consumer: Closed with explanation