vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
Meridian Financial Services is reporting a collection account that I have no knowledge of and did not authorize. The account shows as a joint account opened on XX/XX/year> for {$2200.00} with XXXX XXXX XXXX as the original creditor. 

I have never received any notice, billing, or documentation regarding this account. I disputed it with XXXX  on [ insert dispute date ], but the result on [ insert result date ] was Verified as Accurate, despite the fact that no proof of the debt or supporting documentation was provided to me. 

I am requesting that Meridian provide full validation of the debt ( including original signed agreements and account documentation ) or immediately delete this account from all credit bureaus. Their current reporting is inaccurate and causing harm to my credit. 

This reporting appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) due to lack of proper notice and failure to validate.

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 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had storm damage to my primary home 's roof. My case was not settled until after I hired a lawyer. Once the insurance company provided me with the release and funds I sent the {$99000.00} to new Rez loss draft department around late XXXX XXXX this year. They immediately deposited my check into their bank account. I provided invoices and payments for temporary work that was done so that I could receive a partial payment and they refused to give it to me. I then sent my closing statement from my lawyer to my mortgage company since the law firm was supposed to receive a portion of what my case settled for as well. Instead they ignored my efforts and have continued to deny paying me my funds. My roof was fully completed around XXXX. The county inspected it and past. I also hired a home inspector to do a wind mitigation study to which it past and subsequently I have received a discount on my homeowners insurance because of it. I sent all invoices and showed that I paid them in full out of pocket. I requested the reimbursement I was entitled to. They continued to tell me no. They demanded I pay XXXX of their vendors a fee to inspect my property despite the fact I already had the county and a private home inspector out to view it. I finally caved in and let them do an inspection and it was the most ghetto thing. they used my phone remotely to take a few pictures of the house and then it was done. I then asked for my money and they still won't give it to me! now they are saying they will continue to steal my money unless I can track down some of these people and force them to say that I do not have any defaults. I also put the lien waiver from the roofing company online. This is extremely inappropriate as I submitted all invoices and receipts as well as payment confirmations to ensure it was fully transparent that all bills were paid. I am asking for an investigation into this company and their fraudulent practices. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I did a 6 month buy now pay later for about XXXX with XXXX. Payments were XXXX, and they charged me 3 times in XXXX month, only applied XXXX payment towards my loan, told me it was " refunded '' XXXX it is now XXXX all my emails are ignored, and phone calls are useless as they say " its been refunded nothing we can do '' I went to my bank, there is no pending transactions. These crooks stole XXXX dollars from me. Im fortunate enough that it doesn't effect my bills, but imagine if I needed that extra XXXX for rent that month and I couldn't because these people stole it. 

Do not do business with XXXXMonterey Financial , they'll steal your money. Read all the reviews, they are real.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/XXXX received direct deposit from pa department of revenue for rent rebate check total {$1000.00} was approved and issued on the XXXX of XXXX from the common wealth of pa cleary all proof identification cross checks ect was verified from the department of pa revenue had it sent to XXXX because they issue deposits fast and never had issues with XXXX before they froze my account requested upload of my id account been verified and active for over XXXX years but okay! They said her so Thing couple days even though stressed the need for my funds for bills and rent payment due and on top its my rent rebate check!!!! They gave me the run around and tonight emailed me saying After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/year>. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the XXXX service. We do not make these decisions lightly, and when we do it is to help improve the safety of the XXXX community. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your XXXX account should these funds be available for transfer in the future. 



I cant wait no XXXX months for my rebate check I only chose XXXX  because they are fast and no issues after doing research this is a regular thing for XXXX they steal and hostage peoples money I was told Ill be able to transfer it out even with account closed in a day or so now they say 180 days that is insane I reached out to department of pa revenue also they said see if you could help me get it and have them release it as it was approved and cleared for deposit into the account Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Inaccurate Charge-Off Reporting XXXX XXXX / TransUnion, Equifax and XXXX  Dear CFPB Representative, I am submitting this complaint regarding the inaccurate reporting of a charge-off account by XXXX  XXXX, which continues to appear on my credit report with [ XXXX  / Equifax / TransUnion despite being disputed and unverified.

Details of the Account : Creditor/Furnisher : XXXX XXXX  Account Type : Auto Loan Reported Status : Charge-Off / In Collections Reported Closed Date : XX/XX/2025 Remarks : Profit and Loss Write-Off Summary of the Problem : I have previously disputed this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) because the information reported is inaccurate and unverifiable. The credit bureau ( s ) failed to provide : Documentation proving that a legitimate charge-off occurred ; Proof that XXXX XXXX  owns or services the account at this time ; A complete payment history or written verification from the furnisher ; Details of the method used to verify the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Despite this, the bureaus continue to report the account as charged-off, which negatively impacts my creditworthiness and violates my rights under the FCRA.

Requested Resolution : I am requesting that the CFPB require : 1. A full investigation into the reporting and verification process conducted by XXXX XXXX and the credit bureau ( s ).

2. Removal or correction of the inaccurate charge-off entry if the furnisher can not provide complete and verifiable documentation.

3. Written confirmation of the outcome of this investigation.

Thank you for your assistance in ensuring fair and accurate credit reporting. 

Sincerely, XXXX XXXX Phone : XXXX Email : 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
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Violation of FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] : The law clearly prohibits credit bureaus from reporting adverse accounts or collection items beyond 7 years from the date of delinquency. This account, opened in 2016, has been reported for more than seven ( 7 ) years and is therefore obsolete. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
Violation of FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] : The law clearly prohibits credit bureaus from reporting adverse accounts or collection items beyond 7 years from the date of delinquency. This account, opened in 2016, has been reported for more than seven ( 7 ) years and is therefore obsolete. 
XXXX XXXX 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 explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
The settlement letter I received on XX/XX/XXXX from XXXX XXXX XXXX ( account # XXXX ) on behalf of Omni Financial says I paid {$0.00} and have a {$0.00} balance. In total, Ive paid {$5200.00} between XX/XX/XXXX to XX/XX/XXXX ( {$1100.00} to the XXXX XXXX portal in XXXX monthly payments of {$100.00} every XXXX of the month and a single payment of {$2200.00} also on the portal on XX/XX/XXXX ). Interest owed to Omni XXXX XXXX was unexpected and not reflected on the XXXX XXXX XXXX website. It wasnt until I called to ask for a letter stating Id resolved the account that I was requested to pay an additional {$1700.00} on XX/XX/XXXX over the phone with XXXX XXXX  towards interest to Omni Financial. I made the payment, asked for a letter again, and was told to wait for a letter via email. Ive attached the payments below. As of XX/XX/XXXX, {$3900.00} was written off on my account with a past due balance of {$4000.00} reported to my XXXX credit report by Omni Financial. Again in total Ive paid {$5200.00} as of XX/XX/XXXX. Id like a written explanation of why I was asked to pay {$1100.00} more than what was reported to XXXX credit bureau within a month if the debt was charged off in XX/XX/XXXX with an original balance of {$3500.00}. Id also like the amount paid accurately reflected in the paid in full letter and a payment history statement for my records.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, There is no third-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to formally dispute several late payment entries reported across multiple accounts associated with the loan servicing company XXXX. 
1. XXXX  XXXX Account Number : XXXX These reported delinquencies are the direct result of miscommunication and mishandling by loan officers assigned to my accounts. On more than one occasion, I was advised that my loans would be placed on a temporary pause or deferment status. Based on those instructions, I reasonably believed no payments were due during the specified periods.

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 2025-10-12 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: PA

Complaint narrative:
Im writing to formally dispute the accuracy of a repossession listed on my credit report. The account in question is : 1. XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed this entry, which I believe contains errors or incomplete information. Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute any information that I believe to be inaccurate, incomplete, or unverifiable.

Upon review, Ive found one or more of the following issues related to this account : The balance does not reflect the auction sale amount or XXXX insurance payout, if any. 
Dates and payment history appear inconsistent or incomplete. 
The creditor has not provided full validation of the debt or detailed accounting. 
If the furnisher of this information can not provide proper documentation to verify the accuracy of this repossession, I am respectfully requesting that the entry be immediately deleted from my credit report as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX the company ignored the fact I kept blocking all business related

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XX/XX/XXXX I made the original transaction for {$49.00} now I was messaging with the sender gave my confirmation code received my confirmation code and received a confirmation for my order then on XX/XX/XXXX my confirmation number link became out of service so then on the XX/XX/XXXX I reached out to the lender and they told me that everything was OK and that my package was being sent so then I found a local tracking website and put the tracking number in and it gave me a location around XX/XX/XXXX, that tracking number said it was delivered to XXXX XXXX which is located in Florida. My address is in Arizona so I reached out to the seller and the seller blocked me so I contacted my bank and told them of the fraud. My first appeal got denied then I had to do a second appeal where I added screenshots and that second appeal was just denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: IL

Complaint narrative:
Dear * * [ Credit Bureau Name ] * * Consumer Relations Department, This letter serves as a formal dispute regarding numerous inaccuracies, unverified accounts, and unauthorized inquiries appearing on my credit report. I have identified several entries that are either incorrect, outdated, or can not be substantiated, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

I demand a thorough and diligent reinvestigation of all disputed items. Under FCRA 611, you are mandated to conduct a reasonable reinvestigation within 30 days of receiving this notice. I expect prompt and decisive action to correct these significant errors. 

Enclosed, please find the following supporting documents to verify my identity and current address : Copy of Government ID ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear * * [ Credit Bureau Name ] * * Consumer Relations Department, This letter serves as a formal dispute regarding numerous inaccuracies, unverified accounts, and unauthorized inquiries appearing on my credit report. I have identified several entries that are either incorrect, outdated, or can not be substantiated, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

I demand a thorough and diligent reinvestigation of all disputed items. Under FCRA 611, you are mandated to conduct a reasonable reinvestigation within 30 days of receiving this notice. I expect prompt and decisive action to correct these significant errors. 

Enclosed, please find the following supporting documents to verify my identity and current address : Copy of Government ID ( 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 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have no knowledge or ownership of this account. My previous request for verification and validation of this account resulted in an insufficient response, and verification remains unclear. I've disputed this account previously with all three credit bureaus and One Main Financial closed the account and charged off the debt, resulting in a balance of {$0.00}, but the accounts remain on my consumer reports. Enclosed are copies of documents that support my position, including the initial Debt Validation Request, secondary Notice to Furnisher letter, 'Final Dispute ', and response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Inaccurate Charge-Off Reporting XXXX XXXX / TransUnion, Equifax and XXXX  Dear CFPB Representative, I am submitting this complaint regarding the inaccurate reporting of a charge-off account by XXXX  XXXX, which continues to appear on my credit report with [ XXXX  / Equifax / TransUnion despite being disputed and unverified.

Details of the Account : Creditor/Furnisher : XXXX XXXX  Account Type : Auto Loan Reported Status : Charge-Off / In Collections Reported Closed Date : XX/XX/2025 Remarks : Profit and Loss Write-Off Summary of the Problem : I have previously disputed this account under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) because the information reported is inaccurate and unverifiable. The credit bureau ( s ) failed to provide : Documentation proving that a legitimate charge-off occurred ; Proof that XXXX XXXX  owns or services the account at this time ; A complete payment history or written verification from the furnisher ; Details of the method used to verify the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Despite this, the bureaus continue to report the account as charged-off, which negatively impacts my creditworthiness and violates my rights under the FCRA.

Requested Resolution : I am requesting that the CFPB require : 1. A full investigation into the reporting and verification process conducted by XXXX XXXX and the credit bureau ( s ).

2. Removal or correction of the inaccurate charge-off entry if the furnisher can not provide complete and verifiable documentation.

3. Written confirmation of the outcome of this investigation.

Thank you for your assistance in ensuring fair and accurate credit reporting. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Date : XXXX To : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Request for Account Deletion per Agreement To Whom It May Concern, I am writing to formally request the deletion of the vehicle loan account associated with my name and the account number referenced above. 

Previously, a representative of Credit Acceptance Corporation agreed to delete this account from your records and from all credit reporting agencies. However, as of the date of this letter, the account still appears as active/unresolved in your system and/or on my credit reports. 

Please be advised that I am requesting you to fulfill the original agreement and formally delete the account from all internal records and report the deletion to all three major credit bureaus ( XXXX XXXX, and XXXX  ). 

For your reference, here are the details of the account : Account Holder Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Vehicle Loan Account Number : XXXX Please send a written confirmation of the account deletion and provide documentation that the deletion has been communicated to the credit bureaus. If this matter is not resolved within 15 business days, I may file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office.

I appreciate your prompt attention to this matter and expect that the original agreement will be honored in good faith. 

Sincerely, XXXX 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 explanation