vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX vehicle with over XXXX miles from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX, MO. Despite having a verified credit score of over XXXX at the time, I was given a 29 % APR loan through Foursight Capital. I was not offered any alternative loan options, and no explanation was given for why I received such a high rate. 

When I later contacted the dealership to ask for the credit score they used, the lender they submitted to, and a breakdown of loan options, they avoided providing direct answers and stated the documents were in the folder from the sale. This appears to be a case of predatory lending and misrepresentation, especially considering my strong credit and the vehicles condition and value. 

I am requesting a full review of the loan terms, a justification for the APR assigned to me, and any possible resolution available for unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an {$800.00} transfer from my Current account to my XXXX XXXX account. Shortly after initiating the transfer, I realized the XXXX XXXX account had been closed. 

I contacted XXXX XXXX, and they confirmed that any deposits to a closed account are automatically rejected and returned to the sending bank. However, the {$800.00} has not been returned to my Current account.

When I contacted Current support, they told me that no transaction was ever processed and that there is no record of a transfer occurring. This is confusing because I know the transfer was initiated, and the funds are no longer in my available balance. I have no receipt or transaction ID showing in the app, and I have not received any clear resolution.

I have requested that Current escalate the issue and initiate an ACH trace, but I have not received a case number or confirmation of any investigation. I am now missing {$800.00} with no documentation or explanation, and neither bank is taking responsibility.

I am requesting assistance in recovering my funds or at least getting a transparent explanation from Current about what happened to the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Tesla, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Tesla XXXX XXXX XXXX XXXX\nLeased on: XX/XX/XXXX\nCertified Demand Letter Sent:XX/XX/XXXX\n\n\n\nSupplemental Statement:\n\nOn or about XX/XX/XXXX, Tesla remotely disabled and repossessed the above-referenced vehicle without any formal billing, default notice, repossession notice, cure period, or documentation of assignment.\n\nAs of todayXX/XX/XXXX, I still have not received a single document from Tesla disclosing:\n\t\tThat the vehicle was repossessed\n\t\tWho repossessed it\n\t\tWhere the vehicle was taken\n\t\tHow to retrieve personal property left inside (including my daughters belongings)\n\nThe only way I learned the car had been repossessed was after personally calling Tesla and being transferred to XXXX  in the legal department, who confirmed the repossession but provided no supporting documentation.\n\nTesla has failed to comply with UCC Article 9-611, FDUTPA, and basic consumer notice obligations. I request that the CFPB escalate this matter and investigate Teslas use of automated disablement and third-party repossession agents without due process.\n\n\n\nRequested Action:\n\t\tImmediate disclosure of the location of the vehicle\n\t\tSafe retrieval process for my daughters property\n\t\tWritten response from Tesla explaining their failure to notify or document this repossession\n\n\n\nSincerely,\nXXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Disputed information regarding account information on all XXXX credit providers. The debt was sold to a credit company and they will not provide correct information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am currently making on-time monthly payments on a court-approved settlement for a Chase credit card account that was sent to collections and handled through XXXX XXXX I have not missed any payments and have been current since XX/XX/year>. 

However, my credit reports continue to reflect this account as late or delinquent every month. I contacted XXXX XXXX, who stated they do not report to credit bureaus. Chase has stated they are no longer managing the account and therefore are not responsible for the credit reporting either. 

I need clarification on who is furnishing the data to the bureaus, and I am requesting that the tradeline be updated to reflect my accurate, current payment status. This reporting is materially impacting my credit score and my ability to secure housing, employment, and credit. This should not have to wait until the account is fully paid off my payment history deserves to be fairly reflected now. I am not disputing the debt or the payment plan itself. I simply want my on-time payment history to be accurately reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: FL

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I have no knowledge of this account nor did I sign any contract with this company I've asked for anything associating me with said account and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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:
I HAVE BEEN AFFECTED BY THE XXXX  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.

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have recently learned that I have become a victim of identity theft, and am requesting that the information I have listed in my affidavit/demand to comply be removed immediately within four ( 4 ) business days of receiving this notice. In accordance with CRA 605B.

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 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
I signed up for XXXX XXXX  XXXX  in 2023 to address XXXX XXXX. However, the aligners I received did not fit properly and caused XXXX. I opened a case with their affiliated doctor, and on XX/XX/year>, I was issued a case number XXXX for a new set of aligners. 

Before the replacement could be sent, I received an email from XXXX on XX/XX/year>, stating that the company had filed for bankruptcy. As a result, I never received the replacement aligners and did not receive the service I paid for. 

Given that the service was never completed and the product caused a medical  issue, I did not pay the associated charges. I am seeking assistance in ensuring that I am not held financially responsible for a service that was both harmful and never fulfilled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I am formally disputing the reappearance of a collection account reported by XXXX XXXX XXXX Co. This account was previously removed from my credit report following a dispute filed several years ago, due to a complete lack of substantiating documentation. Despite this, Experian has resumed reporting the same account without providing any proof of validity, which directly contradicts previous dispute resolutions. 

At the time of the original dispute, I contacted the creditor that XXXX XXXX claimed to represent. The alleged creditor confirmed that no collection account was ever placed on their behalf. I have no contract, agreement, or any form of business relationship with XXXX XXXX XXXX Co.. Therefore, this account is a false and fraudulent entry that must be removed immediately. 

Additionally, in XXXXthe timeframe relevant to the alleged debtI was fully insured and have no other outstanding medical collections, further supporting the fact that this account is baseless. It appears that XXXX XXXX XXXX XXXX is fraudulently claiming a non-existent debt, or they have acquired an already paid account, potentially due to a clerical error. 

Regardless of the cause, I do not owe any debt to XXXX XXXX XXXX XXXX, and no legal or documented evidence supports their claim. This false reporting constitutes a serious violation of my rights, and I demand its immediate and permanent removal from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # * XXXX Account name : XXXX  Account # * XXXX Account name : XXXX XXXX XXXX XXXX Account # * XXXX Account name : ATTORNEY GENERAL-CHILD SUP Account # * XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Well... I had a balance of {$2600.00} on my credit card, but I had a promotion of no interest until the month of XXXX. After that I saw that they charge 34 % or something which is pretty normal for any credit card. However, now that the promo is over they are charged {$2300.00} ONLY in interest. Pretty much what I have paid for 18 months does not work because I have to start over again to pay. It is not like your normal credit card that charges you the whatever percent APR. This is just PREDATORY LENDING and a sort of credit BAIT and SWITCH. 

Honestly, with this charge is like I have to start from XXXX with the payments, I have the same balance of when I started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: NY

Complaint narrative:
CFPB Complaint : EdFinancial Subject : Complaint Against EdFinancial for Unlawful Servicing Practices Summary : I am filing this complaint against EdFinancial due to violations of the servicing practices as highlighted in the CFPB v. Edfinancial case. EdFinancial enables predatory lending practices related to private student loans. As a result, I faced significant financial hardship and illegal debt collection practices, as outlined in the CFPBs enforcement action. EdFinancial failed to provide the necessary documentation to prove the validity of the debt or its legal right to collect. Additionally, leading to inaccurate reporting on my credit report that negatively impacted my credit score. 

Requested Relief : Deletion of all EdFinancial-related accounts from my credit reports due to their history of unlawful servicing practices that resulted in financial distress and inaccurate reporting. 
A {$5000.00} remedy from the Victims Relief Fund to compensate for the interest charges, missed repayment opportunities, and the emotional strain caused by EdFinancials mismanagement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: SC

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: SC

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.

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 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I encountered significant delays in accessing my account funds. Specifically, [ describe the nature of the issuee.g., " my direct deposit was delayed, '' " my account was frozen, '' etc. ]. This resulted in me being unable to access my own money for [ insert time period, e.g., " three weeks '' ], which caused considerable distress and financial hardship. 

Due to the inability to access my funds, I was forced to [ explain how it affected youe.g., " take out a payday loan, '' " borrow money from friends or family, '' " miss essential payments such as rent or bills, '' etc. ]. This situation not only caused financial instability but also impacted my mental well-being due to the stress of not having access to my own money. 

I believe it is crucial for financial institutions like Chime to prioritize customer access to their funds, especially during emergencies. I would appreciate it if you could consider [ mention any specific resolution you seeke.g., compensation, better support for customers, assurance that this will be rectified in the future. 

I hope you take this matter seriously and understand the impact it has had on customers like myself. I look forward to your prompt response and a satisfactory resolution to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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. 

Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/year>

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 2025-04-19 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: LA

Complaint narrative:
There seems to be a some late payments on my consumer report relating to XXXX, however, I personally have never opened an account with XXXX XXXX. The role of consumer reporting agencies is to provide accurate consumer information to the best of their ability. If proof can not be provided that these accounts were opened on my behalf, I demand that the late payments and account to be completely removed from my report. Thank you

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 2025-04-19 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: LA

Complaint narrative:
There seems to be a some late payments on my consumer report relating to XXXX, however, I personally have never opened an account with XXXX XXXX. The role of consumer reporting agencies is to provide accurate consumer information to the best of their ability. If proof can not be provided that these accounts were opened on my behalf, I demand that the late payments and account to be completely removed from my report. Thank you

Company response to consumer: Closed with explanation