vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
This account is reporting inaccurately. Please verify full compliance with FCRA 611 and XXXX XXXX XXXX. If not verifiable, delete immediately. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

Tell me when you think the Statue of limitations expires for this debt, and how you determined that. If there have been any additional interest fees, or charges added since the last billing statement. Provide and itemization showing the date and amount of each added amount. Please explain how these charges creating the debt, expressly authorized by the consumer agreement or are permitted by law. If there have been any payment or other reductions such a s XXXX  coverage refund since the last billing statement? Provide an itemization showing the dated and amount of each of them and how those reductions or payments were accrued in your firms procedure. Please provide a copy of the Notice Repossession sent to me and of the document delivery. 
Please provide copies of the legal notices and proof of the commercially reasonable of the resale of the subject Please describe your credit Bureau Reporting system and the credit reporting mechanism your firm utilizes regarding XXXX XXXX between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. 
Please describe how your firm ensures comprehensive accuracy and input of all consumer data consistency or breaches in information transmission quality reported to under your firm 's CRB agreement with any Credit Reporting Agency Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this is account is very high therefore. 
WHAT YOU NEED TO KNOW I believe that your firms violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
My monthly payment is for {$90.00}. Every week they are trying to take out {$270.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 2025-09-24 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: OH

Complaint narrative:
I am a retiree in XXXX XXXX  who has worked diligently throughout my life and am now experiencing undue harassment from creditors. 

It has come to my attention that my personal information, including my address and phone number, was misused by a family member who is currently incarcerated at XXXX XXXX XXXX. This individual exploited my hospitality and trust to gain access to my details, subsequently opening accounts and engaging in activities that have severely impacted my credit. I did not open these accounts, nor did I receive any benefit from them. 

I am not responsible for these fraudulent debts and request that all related accounts be investigated and removed from my credit file. The ongoing demands from creditors are causing significant distress, preventing me from enjoying my retirement peacefully. I appeal to you to take swift action to rectify this matter and stop further contact regarding these unauthorized obligations. 

Thank you for your understanding and prompt attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
To the Consumer Protection Bureau, I am writing to formally document a significantly unsatisfactory experience encountered during a hotel stay and the subsequent attempts to seek recourse. On XX/XX/XXXX, I made a booking for a stay at the XXXX XXXX. Prior to and during the booking process, the hotel 's advertisement explicitly stated that all rooms were equipped with essential amenities, including televisions, internet access, and/or Wi-Fi. 

Upon arrival and checking into my assigned room, I discovered that these advertised amenities were conspicuously absent. Specifically, the television was non-functional or missing, and the promised internet and Wi-Fi services were unavailable. This discrepancy between the services advertised and those actually provided constitutes a clear instance of misrepresentation, which significantly impacted the quality and value of my intended stay. 

In accordance with standard consumer practices and to rectify the situation, I promptly brought these issues to the attention of the hotel management. I initially requested a room change, hoping that another room might be adequately equipped as advertised. This request was regrettably denied by the hotel staff. Following the denial of a room change, I escalated my concern and requested a partial or full refund for the services not rendered as promised. This request for a refund was also denied by the XXXX XXXX management. 

Due to the hotel 's failure to provide the advertised services and their refusal to offer a satisfactory resolution, I contacted my payment service provider, XXXX, to initiate a dispute for the charge. I provided all relevant details regarding the misrepresentation and the hotel 's lack of cooperation. Initially, the dispute was denied. I subsequently exercised my right to appeal this decision, providing further documentation and explanation. Unfortunately, my appeal was also denied. I am now at a loss as to how to proceed, as both the merchant and the payment processor have denied my claim, leaving me without the amenities I paid for and without compensation for the inconvenience and misrepresentation. 

This situation has caused considerable frustration, as I believed I had a legitimate case for either receiving the services I contracted for or being reimbursed for them. The consistent denial of my requests, both from the hotel and subsequently through XXXX, leaves me questioning the effectiveness of consumer protection mechanisms. I am uncertain of the next steps I should take to ensure proper resolution in this matter and would appreciate any guidance or investigation your bureau can offer. 

Thank you for your time and consideration of this serious consumer complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> - Balance : {$600.00}

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
This bank took my checking account away from me about 1 year ago, making it difficult to record all their extra interest charges. 
I can recall some of them by memory but that isn't precise enough. 
Strictly guessing here : a {$75.00} extra interest charge about last XXXX of XXXX or XXXX XXXX XXXX, and a few more in a 5 month time frame in that fall, again, merely guessing the times, but I sure can not forget the several times in an approximate peroid of time, say, XXXX XXXX XXXX through XX/XX/XXXX where I had to personally complain in the bank itself. And I am sure there were several extra interest charges going backwards from the fall of XXXX. 
All denies is what I heard, and claimed these were the legitimte charges and had reasons for those extra interest fees, because, was XXXX quote I heard, " They must get their money? '' Something like that when I asked for the reason for several interest charges when I paid a few XXXX dollars over the usual {$630.00} charges for each month. 
The interest at that peroid of time [ a year or close to it the fall of XXXX ] was around {$340.00} or {$330.00} and the principal would be close to {$270.00} XXXX {$260.00}.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am formally requesting validation of the alleged debt referenced in your recent communication, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt, and until you provide proper validation, you must immediately cease all collection activities, including reporting or verifying this debt to any credit reporting agencies.

Please provide the following documentation : 1.The name and address of the original creditor.

2.The full account number associated with the alleged debt.

3.A copy of the signed agreement or contract that makes me legally responsible for this debt.

4.A complete payment history, including the amount of the alleged debt, how it was calculated, and all fees or interest added.

5.Documentation showing that you are authorized to collect this debt in my state.

6.A copy of your state license and bond number, if applicable.

Be advised that : Until you provide proper validation, any attempt to collect this debt or report it to the credit bureaus is a violation of the FDCPA. 
If you fail to validate this debt but continue collection efforts, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and the Federal Trade Commission ( FTC ). 
I also reserve the right to pursue private legal action for violations of my rights under federal and state law. 

This request is made pursuant to my rights under federal law. Please respond within 30 days of receiving this letter. If you can not provide the requested documentation, you must cease all collection activities and remove any negative reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am formally requesting validation of the alleged debt referenced in your recent communication, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt, and until you provide proper validation, you must immediately cease all collection activities, including reporting or verifying this debt to any credit reporting agencies.

Please provide the following documentation : 1.The name and address of the original creditor.

2.The full account number associated with the alleged debt.

3.A copy of the signed agreement or contract that makes me legally responsible for this debt.

4.A complete payment history, including the amount of the alleged debt, how it was calculated, and all fees or interest added.

5.Documentation showing that you are authorized to collect this debt in my state.

6.A copy of your state license and bond number, if applicable.

Be advised that : Until you provide proper validation, any attempt to collect this debt or report it to the credit bureaus is a violation of the FDCPA.

If you fail to validate this debt but continue collection efforts, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and the Federal Trade Commission ( FTC ).

I also reserve the right to pursue private legal action for violations of my rights under federal and state law.

This request is made pursuant to my rights under federal law. Please respond within 30 days of receiving this letter. If you can not provide the requested documentation, you must cease all collection activities and remove any negative reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

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 1681b 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. Code 1681 ) 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
This company reached out to me to me stating I owe an debt. 
I have requested a detailed explanation of how they calculated what they say I owe and any signed contracts or paperwork that prove I agreed to pay what they say I owe. I have received none of which I requested, but instead continuous calls and mail demanding payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Range View Management LLC
State: NC

Complaint narrative:
XX/XX/XXXX I attempted to cancel with XXXX XXXX and withdrew authorization for funds to be withdrawn XX/XX/XXXX I requested to cancel and withdrew authorization for funds to be withdrawn. 
XX/XX/XXXX I again contacted the representative attempting to cancel my account for the third time. His response was " I will look into this and get back to you '' but he never got back to me XX/XX/XXXX I contacted the representative XXXX XXXX And ask for confirmation my account had been canceled and for confirmation of return of funds. 
XX/XX/XXXX I contacted him again and said it feels like you are ignoring me and his response was " they told that you draft was NSF and I will give you the information to XXXX ''. 
On XX/XX/XXXX I contacted XXXX XXXX and said " I have still not received a response from you. At this point I will be contacting corporate and a lawyer '' and his response was " Customer Service XXXX M-F XXXX Sat Closed please call this number I thought you were already cancelled here is your file ID XXXX they will refund any moneys that are due to you and we wish you the best of luck. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I am filing a complaint against XXXX  for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX  consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX  complies with federal law and provides consumers with the necessary proof of investigation

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 2025-09-24 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: CA

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 XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 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