vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I logged into my online account to set up my automatic payment to come out on a certain date in which is past my due date. This is my first time unable to make rite payment on time. Mind you it isnt even 30 days late. They, One Main Financial has been calling me non-stop, everyday at least XXXX or 4 times a day. Theyve even reached out through text and I replied and told them the only date I could pay was the one I made online. The next day call after call noon stop. Ive screenshot each day of the number of calls theyve made. I simply just got tired and trying to ignore the calls. But they call so much that Im missing important calls for my XXXX child. This has been going on since XX/XX/year> to this actual present day XX/XX/year>. Thru wont leave me alone. They cant make me pay {$220.00} that I dont have. My husband works for the federal government and isnt getting paid. I had to save and my {$2000.00} dollar rent. Im so stressed I dont know what else I can do for them to stop disrespecting my outcome. I feel like they are pressuring me. Ive been a loyal paying customer and they dont care. They even tried to get me to renew by taking out another loan. I told them no, I want this paid off asap. Today alone theyve called 4 times already and its only XXXX. They even called me from their personal cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This year, I received a debt collection letter from Resurgent Capital Services, and then I received two other letters from two other companies that were trying to collect the same supposed debt. The first was LVNV Funding, then a company called XXXX XXXX XXXX XXXX. 
I answered all three companies with a certified letter asking for validation of the supposed debt, and they all responded back the same way by not sending the documentation I asked for. I have all the letters I sent to them, along with the receipts for the certified letters I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE INFORMATION PROVIDED IS INCONSISTENT WITH MY PAYMENT 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 2025-11-05 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX OF XXXX ] Account Number : [ XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I am requesting the removal or correction of the following inquiries and late payment information on my credit report. 

Inquiries : XXXX BANK, XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK, XXXX XXXX XXXX BANK, XXXX FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OF XXXX, XXXX Late Payments : XXXX XXXX, AccountXX/XX/XXXX, Account XX/XX/XXXXXXXX XX/XX/XXXX, AccountXX/XX/XXXX Account XX/XX/XXXX, Account XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
This correspondence represents my official dispute of the referenced accounts. They were not opened or approved by me, and they appear fraudulent. Kindly remove them and investigate further. Proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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.

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 2025-11-05 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXX US CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
SOURCE RECEIVABLES MANAGMENT Opened XXXX {$120.00} I've tried to contact them but get a fake or not usable number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate and unauthorized entries on my credit report. I have identified multiple accounts that contain incorrect information or that I do not recognize, which are negatively affecting my credit. 

The disputed accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Wrong Address XXXXXX/XX/XXXXXXXX, XXXX, IL XXXX Wrong Address XX/XX/XXXXOpened : XX/XX/XXXX, Balance : {$1800.00} Late Payment XX/XX/XXXX Opened : XX/XX/XXXX, Balance : {$1400.00} Late Payment XX/XX/XXXXOpened : XX/XX/XXXX, Balance : {$26000.00} Late Payment XXXX XXXX # XXXXXX/XX/XXXX Opened : XX/XX/XXXX, High Credit : {$3500.00} Late Payment XX/XX/XXXX Opened : XX/XX/XXXX, High Credit : {$300.00} Late Payment XX/XX/XXXXOpened : XX/XX/XXXX, Balance : {$680.00} Charge Off XXXXXX/XX/XXXX Opened : XX/XX/XXXX, Balance : {$4300.00} Charge Off XX/XX/XXXX Opened : XX/XX/XXXX, High Credit : {$50.00} Late Payment XXXX XXXX XXXXXX/XX/XXXXOpened : XX/XX/XXXX, Balance : {$3100.00} Late Payment XXXX XXXX XXXXXX/XX/XXXX Opened : XX/XX/XXXX, Balance : {$2300.00} Late Payment XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXX/XX/XXXX Opened : XX/XX/XXXX, Balance : {$1400.00} Collection XX/XX/XXXXOpened : XX/XX/XXXX, Balance : {$5500.00} Late Payment XX/XX/XXXXOpened : XX/XX/XXXX, Balance : {$4200.00} Late Payment I request that these entries be investigated and corrected or removed as appropriate. I also request a written confirmation once the investigation is complete. 

Thank you for your attention to this matter.

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 2025-11-05 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: MOHELA
State: TX

Complaint narrative:
I am filing this complaint against MOHELA Servicing ( MOHELAXX/XX/XXXX ) for reporting multiple accounts with false late payment histories on my credit report. The accounts are as follows : MOHELAXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}XX/XX/XXXXMOHELAXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$3800.00} XX/XX/XXXX MOHELAXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XX/XX/XXXX MOHELAXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$16000.00}. * * These accounts are being reported as having late payments, which is completely inaccurate. I have never made any late payments to MOHELA, and the company has not provided any documentation verifying these alleged delinquencies. Reporting such false and unverified payment history violates the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) ( accuracy requirement ) and XXXX ( a ) ( XXXX ) ( A ) ( prohibition on knowingly reporting false information ). 

Despite disputes, these entries continue to appear on my credit report, damaging my credit standing and causing ongoing harm. The information is not supported by verified payment records and is therefore misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
Made an online purchase on XX/XX/XXXX. in the amount of {$36.00} from a website XX/XX/XXXX Immediately after the purchase my anti-virus software alerted me that the site was fraudulent. I Immediately contacted Chime customer service. They changed my card number but they said that since the transaction was in a processing mode, I would have to wait until the transaction was processed before I could file a dispute. As soon as it was processed, I filed the dispute. I sent screenshots to Chime, I told them I never received the product. It was deniedXX/XX/XXXXwith no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I had no idea this card was opened in my name i did not use or give permission I been trying to deal with company and handle this matter forced to pay a card I had no knowledge of

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 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
This is regarding SoFi 's response to CFPB Complaint Case # XXXX. 
I requested SoFi to prove that an email dated XX/XX/year> was sent to my email at XXXX. But instead of providing proof, SoFi is using anecdotal information such as " Additionally, you confirmed in previous interactions with us that you had received prior email notifications from us using the same email address '. It is relying on the fact that I received an email from SoFi on XX/XX/year> which can not be used to infer that I also received an email on XX/XX/year>. 

Please provide screenshots that your email server sent an email to me on XX/XX/year>. As per troubleshooting articles on XXXX XXXX page, it is recommended that the sender must prove that the email was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Please review the attached report ; the inquiries came without notice and may be invalid.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
I posted my payment on XX/XX/XXXX for XXXX. It was pulled and applied on XX/XX/XXXX, then they tried to collect an additional payment on XXXX. My account said next payment due XXXX after I made the payment on XX/XX/XXXX so I was not expecting another payment to be pulled. I called and asked them to cancel the payment and they told me I cant cancel it. I called my credit union and they said they could try to cancel it but probably wont work, and each time the payment is attempted Ill be charged {$15.00} for insufficient funds. So far Ive been charged {$25.00} for making my mortgage payment on XX/XX/XXXX ( which is predatory ), and {$15.00} from my credit union for insufficient funds. I would like my mortgage company to cancel the payment and reimburse me for the {$25.00} online payment fee as well as all the {$15.00} charges from the credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Opened a new savings account with Bank of America on XX/XX/year>. Deposited a check from the Georgia Department of Revenue on the amount of {$3200.00}. Understandably a hold was placed on the funds to process. On XXXX XXXX that savings account was closed by BOA due to the Check Being Counterfeit. I went up to the Branch to see what happened and why. I was treated as if i was trying to steal from them and not helped. On XXXX XXXX, 2025. 90 days after the check was written I called the GA Department of Revenue to reissue a new check because of the situation. I was then notified the check cleared there bank on XX/XX/year>. BOA has had the funds this whole time, closed the account after they had the funds, and not given me access.

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 monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Dear Sir/Madam, I am currently in the process of addressing discrepancies on my Experian credit report that are inaccurately reported and negatively affecting my credit profile. I am requesting a thorough investigation of the following entries to ensure their accuracy and integrity. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Reported : XXXX Amount : {$520.00} XXXX  XXXX Account Number : XXXX Date Reported : XXXX Amount : {$250.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XXXX Amount : {$500.00} Inquiries : XXXX XXXX  Date Reported : XXXX Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2025-11-05 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: AR

Complaint narrative:
THIS HARD INQUIRY WAS NOT MADE BY ME OR ANY AUTHORIZED PARTY.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I XXXX  an mechanic {$450.00} for a catalytic converter on XXXX XXXX still havent received part or my money back not communicating with me very well but sent a picture of a receipt saying {$410.00} paid instead of the {$450.00} I sent him which means he added on money for some odd reason I reached out to my bank to recover funds and thy denied my claim and still til this day havent received my money back.

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