vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CT

Complaint narrative:
Dear CFPB Representative, I have experienced ongoing problems with Onemain Financials ' communication and service. The information I have received about my loan balance, interest rate, and payment terms has been inconsistent and often inaccurate, creating unnecessary confusion and financial strain. When Ive sought clarification, company representatives have given contradictory explanations and refused to escalate my concerns to higher management. In addition, the behavior of the staff has been unacceptable. During multiple interactions, I have been laughed at when discussing my financial hardship, spoken to in a dismissive tone, and denied access to a supervisor or executive representative. This type of unprofessional conduct shows a clear lack of respect and compassion for customers facing legitimate financial difficulties. Based on my experience and similar reports from other consumers, the following issues appear to be common among borrowers dealing with Onemain Financial : Misrepresentation or lack of transparency about interest rates and loan terms Excessive or hidden fees not clearly disclosed at the time of signing Difficulty reaching qualified representatives or obtaining written clarification Harassment or insensitive behavior by customer service personnel Frequent changes in loan handling staff, resulting in inconsistent communication Given the ongoing issues and the distress this situation has caused, I am formally requesting that all future communications regarding my account be handled exclusively through Onemain Financials ' Executive Customer Service Department. I no longer wish to deal with front-line representatives who have repeatedly failed to provide accurate information or professional service. I ask that the XXXX XXXX XXXX  investigate Onemain Financials ' conduct in my case and review whether their lending and customer service practices align with fair business standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: NC

Complaint narrative:
Make certain disputed accounts are cleared promptly as the law dictates.

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 2025-10-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX # XXXX Inaccuracies : Conflicting open dates and multiple charge-off entries. 

Reporting as open on one bureau and closed on another.

Violations : FCRA 607 ( b ) : Data inconsistency across bureaus.

FCRA 623 ( b ) : Continued false furnishing.

FDCPA 807 ( 10 ) : Deceptive means to collect.

FDCPA 809 ( b ) : Failure to validate.

15 U.S.C. 1681s-2 ( b ) : Reporting after dispute.

Resolution : Delete and compensate {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
my credit report for XXXX XXXX XXXX has been giving a false report of my credit for at least the pass XXXX to XXXX years. the way i found this out i pulled a cedit report on XX/XX/year> and these XXXX conpanies haven't done anything since XXXX i had to pay just for it to get updated. these XXXX companines have put a strain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX. A girl named XXXX XXXX, XXXX, my mother, and several others have been stealing my identity to get my money that was coming in for me for years now. They also went after all my lawsuits with companies that messed me over in various ways so now I have nothing and am desperately trying to get my money back however I keep getting turned away because my identity is being used. Ive even gone to the attorney general and they will not help. I have my id and information but Im not sure for how much longer because ss and vital records changed my information in the system illegally. Other people got copies of my info. They are just handing out my money but when I go up there they say there is no money on purpose. I need help with the issue because Im also going to have to find a lawyer on this girl and these people. Im sure shell try getting one on me but that will be hilarious because I can prove Im me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Personal information was impacted by this incident- XXXX XXXX  : XXXX for XXXX XXXX XXXX, to remove off my credit report. 

Nelnet - Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1693g ) .and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance {$1500.00} Updated XX/XX/2025 ( 15 U.S.C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance {$1100.00} Updated XX/XX/2025 ( 15 U.S.C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX XXXX XXXX - Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} Update XX/XX/2025 Fair Credit Reporting Act ( 15 U.S.C XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4800.00} Updated XX/XX/2025 Fair Credit Reporting Act ( 15 U.S.C 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX  - Balance : {$730.00} Updated XXXX XX/XX/2025 Fair Credit Reporting Act ( 15 U.S, C 1681i ) and Fair Debt Collection Practices Ac

t ( 15 U.S.C 1692g ). Sent letters certified with ID and verification, should be resolved by taking off my credit report due to Data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Personal information was impacted by this incident- Engagement number : XXXX for XXXX XXXX XXXXXXXX, to remove off my credit report. 

XXXX - Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1693g ) .and XXXX Midland Credit Management , Inc - Original Creditor XXXX XXXX XXXX XXXX  Balance {$1500.00} Updated XX/XX/scrub>XXXX XXXX XXXX   ( 15 U.S.C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) Midland Credit Management , Inc - Original Creditor : XXXX XXXX XXXX Balance {$1100.00} Updated XX/XX/scrub>XXXX XXXX   ( 15 U.S.C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2700.00} Update XX/XX/scrub>XXXX XXXX   Fair Credit Reporting Act ( 15 U.S.C 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Bank XXXX Balance : {$4800.00} Updated XXXX XXXX XXXX  Fair Credit Reporting Act ( 15 U.S.C 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C 1692g ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} Updated XXXXXXXX XXXX XXXX XXXX  Fair Credit Reporting Act ( 15 U.S, C 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C 1692g ).

Sent letters certified with ID and verification, should be resolved by taking off my credit report due to Data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I requested that accounts be removed per the fair credit reporting act inaccurate information and dated accounts I never authorized to be open and fraudulent inquires reporting on XXXX XXXX  and XXXX  no action has been taking by the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC XXXX XXXXXXXX Inaccuracies : Conflicting dates of activity ( XXXXXXXX XXXX  XXXX ). 

Reported as collection and installment. 

No proof of validation or assignment of debt.

Violations : FCRA 607 ( b ) : Failure to ensure accuracy.

FCRA 611 ( a ) : Failure to reinvestigate.

FDCPA 807 ( 8 ) : False reporting.

FDCPA 809 ( b ) : Lack of validation.

15 U.S.C. 1681s-2 ( b ) : Reporting after dispute notice.

Resolution : Delete immediately and compensate {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Your XXXX  XXXX account, last reported on XX/XX/XXXX, endured financial hardship due to COVID-related layoff. You settled the account for less than the full balance via your credit unions cashiers check and filed bankruptcy. The account was formally closed on XX/XX/XXXX. Despite this, XXXX XXXX or related credit reporting entities continue to list derogatory marks on your credit report inconsistent with the settlement and bankruptcy discharge. 

Violations Committed : Reporting derogatory marks after an account has been settled in full through a valid agreement with proof of payment and related bankruptcy discharge violates the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness ( 15 U.S.C. 1681e ( b ) ).

Failure to accurately report the account status post-settlement and bankruptcy violates the duty to update information ( 15 U.S.C. 1681s-2 ).

Continued presentation of derogatory or adverse status despite protests violates the right to reasonable reinvestigation of disputes under FCRA ( 15 U.S.C. 1681i ).

Misreporting harms your credit score and financial reputation unjustly, potentially leading to denials in credit and financial services.

Such reporting after bankruptcy discharge may also contravene bankruptcy laws protecting XXXX debts.

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 2025-10-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB Card Services Inaccuracies : Contradictory balance and payment history across reports.

Marked open while simultaneously showing charge-off.

No written

validation or billing statement provided. Violations : FCRA 607 ( b ) : Inaccurate reporting of account status. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing known inaccurate data. FDCPA 807 ( 2 ) ( A ) : Misrepresenting character of the debt. FDCPA 809 ( b ) : Collection activity without verification. 15 U.S.C. 1681n : Willful noncompliance causing consumer harm. Resolution : Delete tradeline a
nd compensate {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Apple Card / GS Bank Inaccuracies : Reported inconsistent balance and payment history between bureaus.

Account marked as open on one report, paid/closed on another.

Missing verification of debt obligation under 15 U.S.C. 1681i.

Violations : FCRA 607 ( b ) : Failure to ensure maximum accuracy.

FCRA 611 ( a ) : Failure to properly reinvestigate disputed data.

FDCPA 807 ( 8 ) : Reporting false credit information.

FDCPA 809 ( b ) : Failure to validate upon dispute.

15 U.S.C. 1681s-2 ( b ) : Continued furnishing after notice of dispute. 

Resolution : Delete immediately and compensate {$5000.00} for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I initiated a withdrawal from my blockchain trading account since the past 5 days now and my withdrawal has still been pending since ( XXXX to be XXXX  ) and another withdrawal today ( XXXXXXXX XXXX XXXX I even emailed blockchain multiple times, not just a multiple times more than XXXX times, on their support and XXXX and still they did absolutely nothing, these companies are trying to scam me they have done it to my friend now they want to do it do me too, pls dont allow them get a way with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I received what turned out to be fake checks from a fraudulent company that contacted me by email. I deposited those checks through XXXX  XXXX XXXX mobile banking app, and the funds appeared as available in my checking account. Believing the money was legitimate, I used part of it to purchase XXXX products as instructed by the scammers. 

About five days later, I discovered the checks were fake. I immediately visited a local Bank of America XXXX, where they confirmed the deposits were fraudulent and would be reversed. I also reported the incident to the FTC, the Bank of America fraud department, and the XXXX XXXX XXXX XXXX  Division. The police told me the scam company was from XXXX, so they said they couldnt arrest them. 

As a result of this scam, I lost approximately {$52000.00}. My Bank of America checking account was eventually closed, and I still owe about {$40000.00} due to the overdraft caused by the fraudulent checks.

Now that over a year has passed, I am trying to find out if there are any other ways to resolve this situation or receive help. I am requesting the CFPBs assistance to review how Bank of America handled my case and to explore any possible debt relief or resolution since I acted in good faith and promptly reported the fraud once I realized what happened.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion Allowing False Reporting by Non-Responsible Party TransUnion continues to display a trade line for an account that Ally Financial told CFPB they are not the appropriate company to address your issue. TransUnion is reporting inaccurate information from an entity that has disclaimed responsibility, harming my credit. 

I also previously informed TransUnion that the account is disputed and should not appear. Transunion 's online dispute portals are inaccessible, and phone/mail support has been obstructive. 

Main update : XXXX XXXX is reporting an account on my TransUnion credit report while explicitly telling CFPB : We are not the appropriate company to address your issue. In other words, they deny any responsibility for the account. Despite this, they continue to report it, harming my credit and misrepresenting my obligations. 

This is not a minor error, it is a continued misrepresentation, defamation, and violation of credit reporting standards. I request TransUnion immediately look into this.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: GA

Complaint narrative:
Re : Demand for Permanent Deletion of Inaccurate/Compromised Information Due to Data Breach & FCRA Violations To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by XXXX. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy.

The breach in question undermines XXXXXXXX XXXX statutory duty under : FCRA 607 ( b ) - Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) - Mandating that disputes be reinvestigated in good faith and FCRA 605A & 605B - Requiring consumer file protections in instances of suspected compromise, fraud, or identity misuse.

15 USC 1681c-2 623 ( a ) ( 6 ) Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable must be treated as compromised. It is no longer possible for XXXX to reasonably certify these accounts as " accurate '' under federal law, since your systems have already demonstrated failure in safeguarding consumer data. 
Accordingly, I am demanding the immediate and permanent deletion of the following compromised and verifiable and unverifiable items from my file :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation