vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I have consistently made timely payments on this account, but a late payment has been inaccurately reported. Please correct this error and update my credit file accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One continues to report to all 3 credit reporting agencies that they have not received a payment in 60 days when they have in fact received payment on both of my accounts ending in XXXX and XXXX. My account ending in XXXX received a payment of {$96.00} on XXXX and account XXXX received a partial payment of {$80.00} on XXXX Due to final hardships recently endured I have attempted to make some type of payment even when its not the minimum due, these payments are being reported as not being received and past due on all 3 credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing an immediate formal escalation against Levy Law Firm following their deceptive and unlawful actions against me, which I previously reported under reference number XXXX. 

Levy Law Firm has engaged in gross misconduct, including : Garnishing my wages based on a judgment entered in 2013 without any proper revival or renewal before the 10-year expiration under Ohio law ( Ohio Revised Code 2325.18 ).

Failing to provide lawful notice of garnishment prior to enforcement against my employer ( XXXX ). 

Refusing to respond to any direct communication via phone or email, instead only acknowledging the situation after I was forced to involve the Better Business Bureau. 

Attempting to claim compliance by mailing alleged correspondence after garnishment had already started, which is not compliant with due process requirements. 

Willfully ignoring my rights under the Fair Debt Collection Practices Act ( FDCPA ) and engaging in abusive debt collection practices by misleading me about the legal enforceability of an expired judgment. 


Levy Law Firm is knowingly and maliciously abusing the court system, disregarding consumer protections, and violating state and federal laws in order to extract wages from me under the threat of court orders they had no lawful right to enforce. Their behavior is predatory, deceptive, and deserves the strongest sanctions possible. 

If necessary, I am fully prepared to escalate this matter through : A formal Motion to Vacate and Motion for Sanctions at the XXXX XXXX XXXX XXXX, A complaint with the Ohio Attorney Generals Office for unfair business practices, A lawsuit under the Fair Debt Collection Practices Act and state consumer protection statutes, Pressing for punitive damages and restitution of all unlawfully garnished wages, Public exposure of Levy Law Firms abusive and unethical practices. 


I demand immediate intervention by the CFPB to : Launch a full investigation into Levy Law Firms garnishment activities, Freeze further garnishment actions against me, Compel full restitution of any illegally garnished funds, Pursue appropriate penalties for their violations. 


I will pursue every legal and public avenue available to hold Levy Law Firm accountable until they are fully exposed and punished for their misconduct. 

Thank you for your time and swift action on this urgent escalation. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I requested the original contract from the original debtor with my wet signature that I agreed end to pay the debt. A complete billing history from the date the account was opened until it was closed and the chain of title. I received a few bills this doesn't validate this account. According to USC1692G YOU MUST PROVIDE THE ABOVE. If you dont the account can not legally be verified and must be removed from all three credit bureaus. I also contacted XXXX XXXX and this account could not be verified and is not reporting on any XXXX XXXX account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My bank account with SoFi Bank was hacked XXXX XX/XX/XXXX, SoFi closed my account XXXX XX/XX/XXXX. This is the XXXX complaint about the same matter. First complaint : XXXX filed, XX/XX/XXXX. UNACCEPTABLE AND DISRESPECTFUL RESPONSE. Second complaint : XXXX filed, XX/XX/XXXX UNACCEPTABLE AND DISRESPECTFUL RESPONSE. Third complaint : XXXX filed, XX/XX/XXXX UNACCEPTABLE AND DISRESPECTFUL RESPONSE. The evidence is clear that someone intercepted the checks and cashed them. I've even emailed the XXXX and XXXX XXXX Attorney at SoFi Bank but has yet to receive my {$36000.00}. I've attached clear and concise proof with each complaint. I clearly don't understand CFPB 's role being that this is suppose to be the institution to assist consumers with such matters CONSUMER FINANCIAL PROTECTION BUREAU. I'm standing on my head trying to understand that this matter is approaching a year and I have not yet received my {$36000.00}. 

The attachment show the entire timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This debt was contested in court in XXXX  in the XXXX XXXX in XXXXXXXX XXXX and was dismissed. In addition this debt was on my credit report more than XXXX  years ago .I asked the debt collector to furnish me with information as to what money I owe. I asked the debt collector to show me papers to show I even had a contract with them .I asked the debt collector to prove the statute of limitations has not expired. I also requested information from the debt collector to show me that they are licensed to collect in my state. The debt collect did not even provide me with the legal transfer of ownership of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/2023 account number XXXXXXXX XXXX XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-29 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: NY

Complaint narrative:
I was a victim of ID theft. There are remarks on my credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The remarks are : XXXX Reposession; redeemed XXXX Reposession; redeemed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: American Credit Acceptance, LLC
State: WA

Complaint narrative:
XXXX XXXX and American Credit Acceptance refused to vehicle financing based on race and gender from XXXX XXXX back on XXXX XX/XX/year>. Both financial institutions cite circumspect reasons, such as an inability to validate social security number and physical address, as their reasons for refusing to grant credit. Upon learning these reasons, I immediately suspected XXXX discrimination in lending practices because both financial institutions had already completed their credit checks on the lending application. 

The first incidence of XXXX discrimination occurred when an XXXX XXXX employee, XXXX XXXX , submitted my credit application to American Credit Acceptance for automobile financing at a higher rate despite the fact my credit score qualified me for financing at lower rates. Secondly, XXXX made disparaging remarks about my inability to make payments based upon my outward appearance and gender ; and, after completing the credit and background checks, he reported my personal information to local authorities for fraud because he did not accept that XXXXXXXX XXXX had good credit and lived in upscale communities. 

Thirdly, XXXXXXXX XXXX, another lending institution for XXXX XXXX, refused automobile financing although my credit score qualified me for financing. This decision, par for the course as XXXX XXXX  has a long ignoble track record for denying credit and lending services to XXXX XXXX, came about because XXXX XXXX shared his disdain with his contact at that institution that a XXXX XXXX had the credit score to qualify for low rates of financing a vehicle. Later, XXXX maliciously reported his suspicions of fraud and identity theft to XXXX XXXX, which completed its comprehensive background check around XXXX XX/XX/year>. XXXX XXXX correctly validated all of my personal information. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX and American Credit Acceptance actively discriminated against me because of my race and gender despite having a credit score that meets their criteria. XXXX purposefully disparaged me to the lenders when he gave them copies of personal identification which identified me as a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Equifax is also reporting a charge-off for XX/XX/XXXXXXXX ( account number XXXXXX/XX/XXXX with a listed balance of {$1100.00}. This entry appears to mirror the same inaccurate data reported by the other credit bureaus and is equally unverified. I have reviewed my own records and can not locate any correspondence or legitimate accounting that supports this charge-off, which raises immediate concerns about the reliability of the information being reported. As has been seen across various institutions, systemic data breaches can lead to incorrect information being attached to a consumers file. It is likely that this charge-off may be the result of corrupted or mismatched data originating from such an event. Equifax has a duty under 15 U.S. Code 1681e ( b ) to ensure that the data reported is accurate and current. Failing to investigate and validate the accuracy of this charge-off undermines consumer protections and causes unwarranted damage to my financial credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sarma
State: TX

Complaint narrative:
Today, XX/XX/year>. I received a call from my work from a woman stating she was calling from XXXX XXXX XXXX XXXX XXXX as the conversation went on it turns out she was actually calling from Sarma collections, a third party collections agency who purchased my debt from XXXX XXXX I then asked her not to call my work phone after she impersonated someone working for a different company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TN

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax  Despite my lawful request , you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
Subject : Complaint Regarding Potentially Usurious Loan - Account Number XXXXXXXX XXXX OFL XXXX XXXX Opportunity Financial , LLC To the Federal Trade Commission ( FTC ) , I am writing to file a complaint against Opportunity Financial , LLC ( " OppFi '' or " OFLLC '' ) regarding loan account number XXXX, customer number OFL XXXX. I believe this loan violates Florida 's usury laws. 

Effective immediately, I revoke all authorization for OppFi to debit my bank account via electronic funds transfer ( EFT ) associated with this account. I demand confirmation in writing within 14 days that all automatic withdrawals have ceased. 

The loan carries a stated annual interest rate of 159.48 %, which I believe significantly exceeds Florida 's legal limit. Florida Statutes 687.02 generally caps interest rates at 18 % per annum. My loan principal is less than {$500000.00}, meaning the exception for larger loans does not apply. Therefore, I contend the charged interest rate is unlawful and usurious. 

Furthermore, I believe this loan may constitute criminal usury under Florida Statutes 687.071 ( 2 ), as the interest rate far exceeds the 45 % per annum threshold.

As a result of this alleged usury, I assert the loan agreement is void and unenforceable under Florida law. I demand a refund of all interest paid above the legal limit and intend to pursue all available statutory remedies under Florida law, including potential forfeiture of the principal. 

I request the FTC investigate this matter and take appropriate action against OppFi. I am prepared to provide further documentation as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I opened a personal loan and checking account with XXXX XXXX to consolidate credit card. I immediately paid capital one which posted on XX/XX/XXXX in amount of {$9200.00}. On XX/XX/XXXX I get a call from the fraud department telling me that they were restricting my card because I made a large payment from a new bank account so they had to confirm the bank account was mine. I explained that I did not have a bank statement as I just opened the account on XX/XX/XXXX and I did a personal loan to consolidate debt. I told her that I could submit the form of opening the new account with full routing and account number showing my name as the owner along with the deposit slip she advised that would be fine and I submitted it immediately. Once hanging up the phone call. Today on XX/XX/XXXX I get another phone call from capital one telling me that they received my documentation and I believe that its your bank account but my hands are tied and we need a bank statement. I explained again that I didnt have a bank statement because it has not been 30 days from opening the XXXX checking account but that the forms I provided show I am the owner and has the direct line to the woman at XXXX who opened my account. Representative was unhelpful and I explained I had been a capital one customer for over 10 years and if they could not take this, this proof, Im gon na consider canceling his response was if thats what yo choose to do. And was also snarky in his response, saying well if youve been a customer that long then Im sure youre familiar with our terms and conditions which allow us the right for your protection to verify bank account. I told him I understood that and I gave him the information verifying the account was mine, but he was stating that wasnt good enough. I asked to speak to a manager and spoke with XXXX, who advised that she would have to have the documents rereviewed by the processing team and potentially call XXXX to verify. Why did someone call me who wasnt even the one processing or assisting in this matter who couldnt help me? I asked when I would receive a call back regarding this matter and was quoted 5 business days. That is insane. I am trying to pay the {$90.00} left to capital one I owe on the card to avoid interest and the account is restricted. I paid other creditors large amounts as well with this new account and no other creditor has needed proof this is my bank account.

Company response to consumer: Closed with explanation