vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: AL

Complaint narrative:
Phone calls before and after appropriate times ( XXXX and XXXX my time ), up to XXXX times per day, every single day including weekends and holidays. I have also reached out via email to attempt to resolve the debt and issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
I RAN MY CREDIT REPORTS AND NOTICED FRADULENT ACCOUNTS ON MY CREDIT REPORTS

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
To date i have only received one letter from the company. That letter is required to tell me where the car is located. Where my belongings are located. How long I had to pick up my items. A phone number to locate my property. The car has since sold i assume. I have not received a statement detailing sale. Expenses. Or remaining balance. They are unethical. They provide inaccurate information. And have violated my privacy. My credit report states no payment in XXXX. I made a payment on XX/XX/XXXX of XXXX. They also state I did not make a payment in XXXX. I made XXXX XX/XX/XXXX XXXX. Due to their rigged system, they took out several payments at once in XXXX day. It overdrew my account. But they blame me. I made a deal to make payments yet they still took the car. My drivers license and bank card were in the car. Now someone has my information due to their negligence of telling me where my property is located. They have my XXXX tags and now XXXX has been sending letters. I wrote XXXX an email in a message I needed a letter to give to XXXX. To date i have nothing. I wish someone besides Axos would help me in this matter. Tacos doesnt care. And they are getting away with this without any liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IA

Complaint narrative:
Ive noticed multiple fraudulent accounts reporting to my credit file without my consent

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IA

Complaint narrative:
On Sunday, XX/XX/year>, {$15.00} disappeared from my Cash App account without explanation or disclosure. 

Transaction IDs : XXXX and XXXX I reviewed my complete transaction history and there is no explanation for this missing amount. It was not disclosed as a fee in any transaction confirmation. 

I contacted Cash App support multiple times starting XX/XX/year>. I received only generic responses about how XXXX fees work, but no investigation of my specific missing {$15.00}. 

I formally requested : - Case number for investigation- XXXX escalation - Detailed explanation with transaction records - Full {$15.00} refund - 48-hour resolution timeline Cash App has failed to investigate or resolve this issue. Their system error caused this loss. I should not bear financial consequences or additional fees from their technical failure.

Amount lost : {$15.00} Date of loss : XX/XX/year> I am requesting full refund of {$15.00} to my Cash App account and waiver of any associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am extremely concerned because accounts that are not accurate are still appearing on my credit report, and they were never removed. This situation has left me overwhelmed and anxious, so I am urgently asking that all the documents I submitted be carefully reviewed so I can finally stop worrying about this issue.

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 2025-12-27 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: IA

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report. This item is showing inaccurately on my credit profile. Pursuant Fair Debt Collection Practices Act 15 U.S.C. 1692g. You must delete this account unless you can provide me with the following : 1. The Original Signed Agreement 2. Complete Chain of Title 3. Full Account History and validation 4. Forward Flow Agreement 5. Affidavit that you are the legal owner of this debt Be advised since you reported this account without first providing validation you may already be in violation of federal law. Until you can provide proper validation you are required to cease all collection activity and cease reporting this account to any consumer reporting agency, Failure to provide the above documents will be taken as your acknowledgment that you can not substantiate this debt at which point you must delete the tradeline from all credit agencies to which you have furnished this information to. 
If you continue to report or attempt to collect this alleged debt without validating I will have no choice but to pursue all available remedies of filing complaints with the FTC, My State Attorney General and considering civil action for statutory damages.

This is not a refusal to pay, but a notice that your claim is disputed in it's entirety Govern yourself accordingly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
Interest went up, stated it was gon na be one amount after the payment it went up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/year>, a {$5000.00} check was deposited into my Santander Bank account in person with a teller by a family member acting on my behalf. The family member presented a government-issued drivers license and provided all requested personal and deposit information at the time of the transaction. The account is not a new account.

At the time of deposit, no verbal or written notice of any funds availability hold was provided to the person making the deposit, and no written notice was later provided to me. 

As of XX/XX/year>, no portion of the deposited funds had been made available, including the required next-business-day {$220.00}. Because no funds were available and no notice had been received, I contacted Santander Bank by phone on XX/XX/year> to inquire about the delay. 

During that call, Santander Bank stated for the first time that no funds would be available until XX/XX/year>. This was the first indication I received that a hold had been placed on the deposit.

Santander Bank failed to make the required {$220.00} available on the next business day as required under Regulation CC, 12 CFR 229.10 ( c ). Santander Bank also failed to provide the written notice required under 12 CFR 229.13 ( g ) when delaying availability of deposited funds, including notice of the reason for the delay and the date funds would become available.

Although Santander Bank ultimately released the full {$5000.00} on XX/XX/year>, this occurred after the required next-business-day availability period had already passed and without the required written notice having been provided.

I am requesting that Santander Bank formally review this matter, acknowledge the Regulation CC violations, and confirm what steps have been taken to ensure compliance with federal funds availability requirements going forward.

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 2025-12-27 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Ordered Jacket online from XXXX on XX/XX/year> ... ( OrderXX/XX/XXXXXXXX ). 
Item received XX/XX/year>, Item did not fit properly even though size XXXX is what I ordered ... Appears to run small. 
Sent return request to XXXX requesting return label as per return instructions on XXXX website. 
XX/XX/year> - No response... Sent follow-up request. 
XX/XX/year> - Also sent Contact Us message to XX/XX/XXXX website reflecting my frustration over this request. 
Contacted PayPal and financial institution to see if anything could be done at their end... They both referred me back to online retailer. 
XX/XX/year> - No response to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report. This item is showing inaccurately on my credit profile. Pursuant Fair Debt Collection Practices Act 15 U.S.C. 1692g. You must delete this account unless you can provide me with the following : 1. The Original Signed Agreement 2. Complete Chain of Title 3. Full Account History and validation 4. Forward Flow Agreement 5. Affidavit that you are the legal owner of this debt Be advised since you reported this account without first providing validation you may already be in violation of federal law. Until you can provide proper validation you are required to cease all collection activity and cease reporting this account to any consumer reporting agency, Failure to provide the above documents will be taken as your acknowledgment that you can not substantiate this debt at which point you must delete the tradeline from all credit agencies to which you have furnished this information to.

If you continue to report or attempt to collect this alleged debt without validating I will have no choice but to pursue all available remedies of filing complaints with the FTC, My State Attorney General and considering civil action for statutory damages. 

This is not a refusal to pay, but a notice that your claim is disputed in it's entirety Govern yourself accordingly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I paid my American Express statement balance in full through my banks bill pay system on the XXXX, prior to the due date of the XXXX. 

The payment was marked as delivered on the due date, but American Express credited it XXXX day later due to processing time outside of my control. 

As a result, I was charged a late fee and interest. While the late fee was reversed, American Express refused to reverse the {$37.00} interest charge, despite my long history of paying my statement balance in full and never carrying interest. 

I am requesting a courtesy reversal of the interest charge, as the payment was initiated on time and any delay was due solely to payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MS

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This matter is regarding a Synchrony Care Credit card. I confirmed with Synchrony that my account was closed back in XXXX of 2025, in which I entered a payment program where all interest is stopped and I pay the amount that's due and the card is closed. I paid the minimum each month from XXXX until XXXX, when I was able to pay the complete balance in full at that time and the card was supposed to be closed. This month they decided to charge me interest of {$20.00}. I spoke to multiple people, including a manager ( XXXX XXXX, XXXX is the info he gave me ) who told me they would not remove the interest. I explained to him multiple times that this was fraudulent and they were violating my payment program. He did not care and continued to interrupt me while I was speaking and be extremely rude. I told him I would be reporting him to the FTC because this was a violation and he said he didn't care. 

Account ending in XXXX I no longer have the actual card, as it was supposed to be closed so I shredded it, and my synchrony account online will not provide me with the full number.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report. This item is showing inaccurately on my credit profile. Pursuant Fair Debt Collection Practices Act 15 U.S.C. 1692g. You must delete this account unless you can provide me with the following : 1. The Original Signed Agreement 2. Complete Chain of Title 3. Full Account History and validation 4. Forward Flow Agreement 5. Affidavit that you are the legal owner of this debt Be advised since you reported this account without first providing validation you may already be in violation of federal law. Until you can provide proper validation you are required to cease all collection activity and cease reporting this account to any consumer reporting agency, Failure to provide the above documents will be taken as your acknowledgment that you can not substantiate this debt at which point you must delete the tradeline from all credit agencies to which you have furnished this information to.

If you continue to report or attempt to collect this alleged debt without validating I will have no choice but to pursue all available remedies of filing complaints with the FTC, My State Attorney General and considering civil action for statutory damages.

This is not a refusal to pay, but a notice that your claim is disputed in it's entirety Govern yourself accordingly XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I bought a vehicle back in XX/XX/year>. when the vehicle was dropped off I did not receive proper documentation for the vehicle. Carvana tagged and filed for the title without notifying me. Nor was I notified of the financing company I will be working with. The agent who was dropping the car off said the finance company would reach out to me when asked where the other documents where like title and agreement. The company at hand is with bridgecrest but the paperwork states Carvana is the one I'm making payments to. I defaulted on the loan because no reps at the time of purchase or throughout the car buying process let me know what the terms and conditions would be.i got a copy of the agreement on XX/XX/year> after requesting several times from bridgecrest agent. I signed one document which was not the original agreement and the rest was auto signed for me. Per consumer law Carvana violated TILA and FTC CARS Rules and the UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
the XXXX account was under dispute for fraudulent charges and merchandise never received i was recently the victim of transunions data breach and my personal data was compromised i was made aware of this XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX I would like this information to be updated to reflect paid as agreed and current not deliquent

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