vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.

Complaint narrative:
The company is XXXX ( Meta ). My content creation payouts were marked as Processed but never paid. I was duped into changing payout accounts to get my funds released and now non-payment exists for {$16000.00}. What happened was over the period of more than one year my XXXX payout was stuck as US based, so when tax information became necessary I could never fill the forms out as XXXX prohibited changing the basic information. My company is XXXX based but the fields were 'grayed out ' and uneditable. 

When someone from XXXX finally ( XX/XX/year> ) emailed me about changing/transferring my payout account I had to cite the reason why I wanted to do this ... to access the funds I had earned over the past XXXX months. After a tedious payout account transfer process was completed, XXXX as good as said the {$16000.00} was now not accessible despite me citing to them the very reason I was transferring accounts to a new payout account- to fulfil the tax obligations and access my funds! 

In the follow up I made it very clear how disgusted I was, even more so because I need the funds for life-saving medical aid. 

2025 Timeline XXXX XXXX- I put in another payout issue form request in XXXX XXXX- they offered me a new payout profile but I explain I have a payout account that works ( set up with XXXX and Bank Account ) I just needs the funds and future earnings to go to this, not a new XXXX XXXX XXXX- they sent me a form to fill out for transfer of the old payout account to the new XXXX XXXX - after numerous attempts to fill the form with no guidance they finally accept my paperwork ( wouldn't accept my signature for some reason ) on XXXX XXXX. 
XXXX XXXX - They accept the paperwork and transfer the old account 'product ' and future earnings to the new account. 
XXXX XXXX- They state the account is all good after an initial 'issue ' - this was never made known it just cleared itself up as they did 'internal reviews ' XXXX XXXX- I state the funds still haven't moved across and were only ever processed, not paid but they basically say we can't help you any more after 'internal reviews ' despite my recurring reminder I need the funds for medical care for XXXX and citing the reason for the move in the very first place is so I can access the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a transfer of XXXX through WorldRemit from California, USA, to the recipient XXXX XXXX XXXX XXXX wallet: XXXX XXXX XXXX XXXX XXXX).\n\nWorldRemit claims their local partner delivered the funds on XXXX XXXX XXXX.  However, the official XXXX statement confirms that no funds were received into the recipients wallet on XXXX XXXX XXXX.\n\nWhen I raised the issue, WorldRemit only provided me with a partner payment slip, which is not verifiable proof of delivery. I gave them the official XXXX statement showing no deposit, yet they have not refunded me or resolved the issue.\n\nI have repeatedly contacted WorldRemit by email and phone. They continue to claim they are waiting for their local partner to respond, but they have failed to provide proof of delivery or refund me.\n\nI am requesting a full refund of XXXX because the service I paid for  delivery of funds to the recipients wallet  was never completed.\nAttachments included:\n\t1.\tWorldRemit transaction receipt\n\t2.\tWorldRemit partner payment slip\n\t3.\tOfficial ZAAD/Telesom statement showing no funds received.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Onemain ordered vehicle to be repossessed. During vehicle been repossessed and after I was not given the opportunity to remove my personal items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing a complaint against LVNV FUNDING LLC for failing to properly validate the alleged debt as required by federal law. Under FDCPA 15 USC 1692g ( b ) and Regulation F, I am entitled to receive sufficient documentation proving I owe this debt before they continue any collection efforts I have requested a copy of the original signed agreement, an itemized debt history, and chain of title documentation. To date, these have not been provided Case law such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX clearly establishes that mere assertions are inadequate for validation Failure to validate while pursuing collection and credit reporting constitutes violations of FDCPA and potentially the FCRA, especially under XXXX XXXX XXXX  XXXX I urge the CFPB to compel the collector to comply or halt collection and remove the account from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Hampshire Northeast Credit Services, Inc.
State: VT

Complaint narrative:
I am disputing an inaccurate collection account reported by XXXX XXXX XXXX and their collection agency. 

For approximately 20 months, I was overcharged {$100.00} per month despite my account being inactive. 

In XXXX, I called to cancel the account. The account was not closed, and instead, the bill doubled. 

In XXXX, I called again to cancel. The account still remained open until XXXX. 

In XXXX, I made a payment toward the balance. Instead of applying it, XXXX XXXX XXXX refunded the payment a few days later. Despite this, they sent the account to collections immediately after refunding my payment. 

This is improper billing, failure to close the account when requested, and improper handling of my payment. As a result, a false collection was placed against me. 

I am requesting the following relief : Immediate removal of this collection from my credit report. 

Correction of my billing history to reflect the errors caused by XXXX XXXX XXXX. 

Written confirmation that this account will not be sold or reported again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Identity Theft Dispute Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Consumer Reporting Agency, I am writing to formally dispute the presence of multiple fraudulent accounts listed on my credit report. I am a confirmed victim of identity theft, and as a result, several accounts were opened in my name without my knowledge or authorization. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate and permanent removal of all information related to the fraudulent accounts listed below. The FCRA requires that such information be blocked within four ( 4 ) business days after receiving proper documentation. 

The accounts I am disputing are as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were not authorized by me and are the result of identity theft. I have enclosed all necessary documentation to support my claim and verify my identity. 

Enclosed Documents : 1. A copy of my government-issued photo identification 2. A copy of the Identity Theft Report filed with the FTC ( Report XXXX. XXXX ) XXXX. Documentation related to the XXXX Equifax data breach 4. A list of other fraudulent inquiries, if applicable Requested Actions : 1. Permanently block and remove the above-referenced fraudulent accounts from my credit report.

2. Confirm in writing that the accounts have been removed and will not be reinserted unless verified as accurate.

3. Cease reporting these accounts to any other credit reporting agencies. 

If you fail to comply with this request, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek all remedies available to me under federal law. 

Please send all future communications to the contact information listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX I had an accident in my car. The car was totaled, I paid monthly payments on this car which was from XXXX XXXX. The vehicle that I was driving was a XXXX XXXX XXXX XXXX, I was left with an outstanding balance of approximately {$14000.00}. Ive tried to go to another car dealer ship to purchase another but that outstanding debt is still pending, because the car insurance that I had didnt recover the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MA

Complaint narrative:
I am disputing the inaccurate reporting of my federal student loan account ending in XXXX, serviced by EdFinancial Services and reported to XXXX. 

On my XX/XX/year> XXXX  ; XXXX  ; XXXX  credit report, this account shows a XXXX late payment in XX/XX/year> and reports an alleged balance/past-due amount that is inflated and not accurate. This is false, misleading, and unverifiable for the following reasons : Improper Servicing & Notification Failures : EdFinancial sent communications to the wrong address, wrong email, and wrong phone number. 

I did not receive billing statements, delinquency notices, or cure period notices required under the Higher Education Act ( 20 U.S.C. 1080, 1098e ).

I only discovered this derogatory and inflated entry when my mortgage lender flagged it during a home loan application.

Inaccurate Amounts Reported : The alleged balance and past-due amount are not correct. They appear inflated, and EdFinancial has not provided proof of how these figures were calculated.

No documentation has been provided showing how payments were applied or how the balance was determined.

Failure to Validate : EdFinancial has failed to produce documentation required to substantiate this reporting, including : Complete payment history and transaction logs. 

Billing statements for the disputed period. 

Notices of deferment, forbearance, or repayment plan enrollment. 

Records showing how the alleged balance and past-due amount were calculated. 

Proof of the data furnished to XXXX, including the XXXX XXXX file for XX/XX/year>. 

Disclosure logs showing who accessed and shared my loan data. 

Violation of Federal Law : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Prohibits furnishers from reporting inaccurate or unverifiable information. 

HEA Servicing Rules : Require accurate billing, servicing, and reporting. Inflated balances and improper servicing are violations. 

FERPA ( 20 U.S.C. 1232g ) : Inaccurate and unauthorized disclosure of my loan records constitutes a privacy breach. 

Because of these failures, my credit report reflects false delinquency and inflated balances, causing significant harm at the time of a mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-21 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I am filing this complaint regarding my mortgage servicers handling of my account.

Freedom Mortage Coorporation.

For over two years, I have been required to repeatedly reapply for loss mitigation and forbearance programs. Each time, my application is treated as temporary, then expires, and I am forced to resubmit the same documents again. Despite submitting complete applications, I have not received a clear, final determination on permanent options such as loan modification, repayment plan, or deferral.

At the same time, foreclosure activity has continued. This appears to violate federal mortgage servicing rules under 12 C.F.R. 1024.41, which require servicers to evaluate a complete application and provide written determinations, and to stop dual tracking ( continuing foreclosure while a complete loss mitigation application is under review ). 

Additionally, Because of these issues, we have already been forced into a lawsuit against the lender/servicer for fraud, breach of contract, and foreclosure-related claims. The servicers repeated refusal to provide a permanent resolution, while continuing foreclosure activity, is creating ongoing harm and compounding the litigation.

I am requesting : 1. A final written determination of all loss mitigation options available.

2. A halt to all foreclosure activity while my application is under review.

3. Assignment of a single point of contact for all communications regarding my loan.

This cycle has caused financial and emotional hardship, and I believe the servicer is violating federal law. 
As we are also under an active lawsuit regarding the property as well due to undisclosed fire damage.

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