vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I am disputing inaccurate credit reporting by OneMain Financial on my account ending in XXXX. 

On XX/XX/year>2025, I received a written verification letter from OneMain confirming the account was paid in full and satisfied. Despite this, as of XX/XX/year>2025, my credit report shows : Reported balance : {$8700.00} Past due amount : {$290.00} Account status : Not more than two payments past due This information is false. My credit score dropped nearly XXXX points due to this inaccurate reporting. 

I have already disputed the reporting with the credit bureaus and uploaded a copy of my verification letter. The dispute results came back stating that OneMain is reporting correctly, which is not accurate given the documentation in my possession. 

I contacted OneMain to request a correction, but the inaccurate reporting remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
TransUnion is inaccurately reporting a collection account from XXXX XXXX XXXX with XXXX XXXX  as the original creditor. The account is listed as opened in XX/XX/XXXX but continues to update monthly through XX/XX/XXXX, which makes it appear newly delinquent and XXXX constitute unlawful re-aging in violation of FCRA XXXX ( c ). The balance of {$1000.00} is shown as both the high balance and past due amount, even though collection accounts should not reflect ongoing past due reporting. No payment history, date of first delinquency, or itemized charges are provided, which fails the duty of maximum possible accuracy under FCRA XXXX ( b ). Remarks such as disputed by consumer ( FCRA ) remain on file, yet the bureau continues to report the account without correction or proper verification, violating FCRA 611 ( a ). This tradeline is inaccurate, incomplete, and unverifiable.

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 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Left my wallet in the XXXX on XX/XX/year> reported this issue with XXXX support, I received notifications from Cash app and XXXX XXXX that transactions were being committed without my knowledge or consent I contacted the police made a police report after several attempts. I've contacted all parties involved reported the fraud and submitted a statement and all documents requested in a timely manner I was graced with pure chaos, misinformation, being left on hold for 3 to 4 hours repeating the same information, the rude agents from the card holders both cash app and mainly XXXX XXXX continue to refuse to give any information upon claims submitted XXXX XXXX claim # XXXX Case # XXXX Cash app complaint # XXXX XXXX Police report # XXXX ( XXXX XXXX # XXXX ) These agents failed to update legal name change mishandled and lost documents never mailed out as instructed when instructed, pretended to be supervisors, hanging up or leaving u on hold for 3+ hours literally. As far as I XXXX very careless did nothing at all these acts have been very common and repeated actions that keep occuring with these card holders I would like something seriously done legally I am very distress 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 2025-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, our mortgage was sold/ transferred to Selene XXXX  from XXXX XXXX XXXX. In XXXX of XXXX, we entered into a modification agreement with XXXX XXXX and were not having any trouble making the payments. The modification was reasonable and manageable and we were current with the agreement. However, when our mortgage was transferred to Selene XXXX, the modification was lost and our payments were delayed. Our account is now showing several months behind because the modification agreement was not in Selene XXXX  's system, until recently. I spoke with a customer service agent in XX/XX/XXXX and during that conversation, she told me that she was going to have to launch an investigation into where the modification paperwork was and also about a payment that appeared to have been applied in the wrong place. I waited to hear from Selene XXXX  concerning this issue, but did not hear back from them. When I called back to inquire what needed to be done, they told me that I needed to put an application in for the modification and then they could go from there. They finally located the original modification agreement we had with XXXX XXXX, but have not honored the modification agreement that we were already in when the mortgage was transferred to Selene XXXX. 

Selene XXXX  has recently presented us with a different modification offer with a much higher interest rate and payment, instead of honoring the modification we were already in. Also, due to all of the chaos this transfer has caused, Selene XXXX  has reported our mortgage to our credit report, showing many late payments. This should have never been reported in this fashion because we were in a modification agreement. 

As required by federal law, we are requesting that Selene XXXX  honor the terms of the modification agreement that we had with XXXX XXXX and remove the incorrect information that they filed on our credit report. 

" The federal law that requires a new mortgage servicer to honor a modification that was in place before a servicing transfer is the Real Estate Settlement Procedures Act ( RESPA ), as implemented by the Consumer Financial Protection Bureau ( CFPB ) regulations. Under these rules, if a complete loss mitigation application was pending at the time of transfer, the new servicer must review it within 30 days of the transfer. Furthermore, if a loan modification agreement was already in place and a time period for accepting or rejecting it was unexpired, the new servicer must allow the borrower to continue with that agreement. '' We appreciate you time and attention to this matter. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-30 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: GA

Complaint narrative:
credit report is not accurate due to several inaccuracies with accounts

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ) Account Number : [ XXXX ) Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I received an email from XXXX  saying " Case resolved '', " card dispute denied ''. It further stated that I could request further documentation that XXXX  used to investigate my case by sending a letter to : XXXX Debit Card Dept. 
Att : Dispute Resolution XXXX XXXX XXXX XXXX XXXX XXXX which I did immediately on XXXX XXXX XXXX after receiving that email. 

More than 1 MONTH later I still have not received the information nor any response to my request and I have not received my refund even though my debit card was stolen and the charge of {$33.00} is not my charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 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: AppFolio, Inc.
State: WA

Complaint narrative:
" I applied for a home through XXXX XXXX XXXX XXXX, on XX/XX/year>. Folio screen had previously blocked any adverse information on my credit port due to XXXX XXXX a few months prior but when I applied to this home folio screen sent a non redacted version of my credit report to the management company as soon as I seen this. I contacted folio screen and they apologized and sent a redacted version to the real estate agency. But they had already determined that they were going to deny my application based on the information they saw on the first report, which is extremely illegal.My application was denied due to credit history. I tried to reach out to XXXX XXXX XXXX XXXX, but they told me that they were not going to deal with it, and they were not moving forward to my application and they were done with the conversation and so now I reached out to follow your screen and have not heard back on how they are going to rectify.The situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XX/XX/year>2025 Experian Legal XXXX XXXX XXXX XXXX, tx XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported.

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one interest payments it was the XXXX account and it was open 2020 I have unwanted credit inquiries on this credit One account it's also on my credit about to go into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been banking with Bank of America at the XXXX XXXX ( XXXX XXXX XXXX XXXX  ) for XXXX years and have consistently had to ask about missing money in my account. I even was supposed to receive my pension monies into my account yesterday on XXXX  the XXXX of XXXX the day before the XXXX XXXX weekend. Delays in receiving my money and missing amounts after I transfer money from savings to checking has caused great concern. For instance, I transferred {$300.00} into my checking to cover a debit purchase and found out an additional {$50.00} was missing and additional {$100.00} was taken earlier after I transferred money. 
I dont know what to do about this but I need my money.

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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have been in contact with XXXX and was advised that by law, Apple should refund me the XXXX charges totalling {$600.00}. 
There are proofs that XXXX directed me to ask for a refund from Apple as attached herein. 
I submitted more than two claims to Apple about the issue and an agent advised through chat that there is no dispute under my name! 
I was provided no reason from Apple nor from XXXX as to why I can not receive the refund! 
I was not even given any case numbers for the claims I submitted. Just recently, an agent generated a case number! 

I know someone who called Apple and has been refunded {$800.00} as charges from XXXX. I spoke with Apple senior advisors over the phone already, who one of them advised he's called XXXX, no one helped and my request to escalate the issue to a higher level was denied! 
I have been actively searching the social media for higher staff! 
I advised to Apple that I will check FTC, DOJ or the state representative. 
I have proofs that I asked refund for another {$76.00} charge before and for which I have proofs that I should not be even charged for it. I wanted to send a fax and I was rushed to hit continue to send the fax and the notification indicates three days trial and then I should pay the amount. After hitting continue, I received an apple charge. I disputed to Apple via chat and I ended the trial on the same day! 
I further submitted two disputes and they were declined! 
If someone wants to submit a refund request online, they can see that there is an option that indicates that if someone was rushed to make an in app payment so Apple approves such request yet it was declined! 
I also have {$490.00} dispute charge for which I sent Apple an email proof that even the merchant sent me an email advising that it was cancelled. Nonethless, Apple keeps placing the charge every month! 
I can send further proofs! 
Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Duplicate Reporting Account with XXXX  XXXX / AllianceOne To Whom It May Concern, I am formally disputing inaccurate and duplicate information that appears on my TransUnion credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The account in question is : Creditor : XXXX XXXX, XXXX. 
Account Number ( partial ) : XXXX Balance : {$640.00} Status : Charged Off / Closed This account has already been reported by XXXX XXXX and is showing on my TransUnion credit file. However, I am now also receiving collection notices from XXXX XXXX XXXX XXXX XXXX, regarding this same exact account and balance. This creates a duplicate entry for the same debt, which is misleading, inaccurate, and violates my rights under FCRA 602 ( A ) and 607 ( b ) ( requiring maximum possible accuracy ).

Duplicate reporting of the same account unfairly damages my credit by making it appear as though I have two separate derogatory accounts when in fact it is the same XXXX XXXX account. 

Accordingly, I demand that TransUnion : 1. Immediately investigate this matter pursuant to FCRA 611 ( 15 U.S.C. 1681i ).

2. Remove any duplicate reporting of the XXXX XXXX account being furnished through XXXX or otherwise correct the reporting so that it only appears once. 
3. Provide me with written confirmation of the results of your reinvestigation. 

Please be advised that I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter, as this inaccurate reporting is in violation of federal law. 

Attached are supporting documents : XXXX collection letter dated XX/XX/XXXX. 
TransUnion credit report showing the XXXX XXXX account already listed. 

Thank you for your prompt attention. 

Sincerely, 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