vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
I am writing in response to a collection account listed on my credit report. This letter is a formal request for debt validation, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide all of the following : 1. The name and address of the original creditor 2. A copy of the original contract or agreement bearing my signature 3. A complete payment history and itemized accounting of the alleged debt 4. Proof that you are legally authorized to collect on this debt in my state 5. A copy of any judgment, if applicable Until this information is provided, I request that you cease all collection activity and not report this debt to the credit reporting agencies. If this debt has already been reported, please inform the bureaus that the account is disputed. Be advised that failure to comply with this request may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or my states Attorney Generals office. I look forward to your timely response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am reporting Exeter Finance for inaccurate and unverifiable credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ) and IRS regulations.

They are reporting conflicting information regarding a charged-off auto loan account. According to their credit reporting, the original loan balance is listed as {$17000.00}. They have also reported a charge-off amount of {$16000.00} and a past-due balance of $ XXXXthese figures are inconsistent and raise red flags.

I sent a formal letter requesting : A copy of IRS Form 1099-C ( Cancellation of Debt ) Full charge-off accounting Payment history Clarification of current ownership and credit bureau reporting Chain of title I informed them that failure to provide this within 30 days would constitute an inability to verify the debt and requested deletion from all credit bureaus. As of today, they have failed to respond or provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Subject : Missing Amortization Schedule for Unsecured Personal Loan ; Inappropriate Application of Payments towards Principal and Interest ; and Lending Predatory Practices I took out an unsecured personal loan approximately one year ago, with a 25year fixed term, from Lyon Financial , which loan then ended up with slice by XXXX . The principal is approxiamtely {$110000.00} and the APR is roughly or approximately 12.999 %.

Despite three written requests dated XXXX of 2025 and XXXX of 2025, the lender has failed to provide a complete amortization schedule showing payment breakdown ( principal vs. interest ). Without this schedule, I can not verify that payments apply correctly toward principal balance.

I request assistance to compel the lender to furnish the full amortization schedule and correct any inaccuracies in my account. Based on the payment history they are applying all payments, with a selective few highly inconsistent and without the option to make payments towards the principal, towards interest - leaving the pricipal balance to never go down and remain the same. With this being a fixed term loan at 25 years how can they accurately claim it will take 25 years to payoff if they are not applying the payments appropriately and refuse to provide an amortizaation schedule showing the breakdown of principal and interest breakdown. These are predatory lending practices in my opinion they must be stopped!

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 2025-07-12 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I was charged upon arrival every day/night there were major problems in the XXXX 1. NO A/C 2 Then NO Power 3 Then no running water no electricity and sewer issues began 4check out day still no A/C or power Because i was charged upon arrival I had no other funds to make any other accommodations.

No cell phone available because no power. 

XXXX XXXX obviously did not investigate this and still allowed this although I made an attempt to dispute In a different country these accommodations were the bare minimum at a 4 star resort We investigated your {$1800.00} credit card claim against XXXX XXXX XXXX XXXX and didn't find an error based on : You accepted the amount charged by the merchant when you received the merchandise or services. We are unable to pursue this matter further unless we receive a credit acknowledgment from the merchant. 

I have included evidence of other experiences from other guests that stayed at XXXX XXXXXXXX at the same time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts thats been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts thats been reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XX/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 non-monetary relief
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5000.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5800.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I filed a formal dispute of the tradeline reported by XXXX XXXX, account number XXXX, listed on my credit report. I am asserting that the reported late payment ( s ) and associated data on this account are either inaccurate, unverifiable, or outdated, and must be corrected or or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ), 1. Outdated Derogatory- Violation of 15 USC 1681c ( a ) ( 5 ) ; If the 30-day day late payment is more than 7 years old. It is legally obsolete and must be removed form my credit file immediately and verifiability of th account data, especially the negative mark.

2.Unverifiable Information- Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) The last activity dates across credit bureaus are inconsistent. These discrepancies raises concerns about the validity and verifiability of the account data especially the negative mark.

3.Inaccurate Reporting- Violation of 15 USC 1681e ( b ) Reporting outdated or inaccurate derogatory information without verifying accuracy violates your duty to report only with maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I filed a formal dispute of the tradeline reported by XXXX XXXX, account number XXXX, listed on my credit report. I am asserting that the reported late payment ( s ) and associated data on this account are either inaccurate, unverifiable, or outdated, and must be corrected or or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ), 1. Outdated Derogatory- Violation of 15 USC 1681c ( a ) ( 5 ) ; If the 30-day day late payment is more than 7 years old. It is legally obsolete and must be removed form my credit file immediately and verifiability of th account data, especially the negative mark.

2.Unverifiable Information- Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) The last activity dates across credit bureaus are inconsistent. These discrepancies raises concerns about the validity and verifiability of the account data especially the negative mark.

3.Inaccurate Reporting- Violation of 15 USC 1681e ( b ) Reporting outdated or inaccurate derogatory information without verifying accuracy violates your duty to report only with maximum possible accuracy.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Car accident occurred on XX/XX/XXXX, not at fault a truck hit me on the highway and ended up spinning and hitting a couple of times to the wall in the hwy, car was total loss. XXXX XXXX XXXX pay-off amount at that time was {$20000.00}, Ins paid {$13000.00}, GAP INS paid {$7500.00}. GAP INS paid on XX/XX/XXXX, after that I called Santander and they told me I didn't owe anything else and that GAP INS took care of the balance. On XX/XX/XXXX I received an email from Santander Bank notifying me that I am 20 days behind on my payment of {$570.00}. Immediately, I called Santander bank and they said that's unpaid interest ; however every time I called different reps are telling me different stories, some said is interest, others are saying is a balance that GAP INS left unpaid. I called Gap and according to them they paid the amount Santander provided them as a balance. Please help me figure this out, I know sometimes banks make mistakes and consumers are forced to pay amount we don't owe in order for us to protect our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NV

Complaint narrative:
I have multiple emails and phone calls to this company and they still have not resolved no matter what paperwork I send in. Someone stole my identity and I have provided everything to them and nothing has happened. Phone calls are 4 hours+ just to reach someone to tell me that a supervisor will call at a random time with no direct phone line. This seems to be a scam or complete ignorance on the companies part to still put this on me a year into finding out.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I was being charged twice a week for two totally different things. First I was being charged {$40.00} for some membership I never signed up for and {$39.00} for my regular payments. My total paid is {$980.00}, and when I asked for my lease agreement, I was told to go to the website or to utilize the features on the app. I requested from 4 different reps a copy of my lease agreement and one of them finally told me the total was {$1900.00}!!! I asked how is that possible? When I signed up, the total was {$1100.00} and I would be charged biweekly. When I told them they could take the items back, they told me they were used and in not new condition, I would have to pay {$560.00} to settle the agreement and I could keep the items. I told the rep that they could come and take the items back because I've already paid more than enough, not to mention I was being charged {$40.00} for a membership I never signed up for. I even asked for the details of the membership and not one rep offered to email or at least tell me what the membership is and what's included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} XXXX XXXX XXXX/ # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$510.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-07-12 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: LEXISNEXIS
State: CO

Complaint narrative:
I initially requested a new Consumer Credit Report from LexisNexis on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX. However, on Friday, XXXX XXXX XXXX, I received another " erroneous '' letter from LexisNexis via USPS, stating that " We have conducted a search based on the information provided to us, but have been uable to locate information sufficiently matching your data or our systems indicated that the request was potentially fraudulent due to a discrepancy between the information provided as part of the request and information in our posession. '' This is not the first time LexisNexis has avoided sending me a copy of my Consumer Report. Please refer to my recent Exhibit submission to the Federal Trade Commision and uploaded to CFPB portal via Exhibits ( K-M ), thus showing evidence of " denying me access '' to my file. I hereby demand a full and complete regulatory investigation in to the " obstruction and malicious '' tactics by LexisNexis. I reserve the right NOT to respond to LexsNexis, but request a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
My name is XXXX XXXX, my Social Security XXXX is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX an auto loan account opened with XXXX XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX a loan account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  a credit card account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a XXXX card account opened with XXXX XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX, a credit card account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX a credit card account opened with XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  a mortgage account opened with XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  and a collection account opened with XXXX  XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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