vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: SUMMIT FUNDING, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally responding to the companys statement that this complaint does not belong to them. 

This response confirms my position that the account is * * being reported inaccurately * * and * * can not be verified by the reporting entity * *. 

I contacted the original creditor directly and was advised that : My file is not in their office They are unable to provide documentation regarding the post-sale balance No written charge-off or deficiency balance documentation can be produced Despite this, the account continues to be reported on my credit reports. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), any company reporting information must be able to * * verify ownership, accuracy, and completeness * * of the account. If a company states it is * * not the appropriate party * *, then it * * does not have the legal authority to report this account * *. 

Because the reporting entity has disclaimed responsibility and can not verify the debt, I am demanding the following : XXXX. Immediate deletion of this account from * * XXXX, XXXX, and XXXX * * XXXX. Written confirmation that the account has been removed XXXX. Confirmation that no further reporting will occur If this account remains on my credit report without proper verification, I will pursue further remedies available under the FCRA, including escalation through the CFPB and state regulatory agencies. 

This account must be * * deleted * *, not updated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Unauthorized Hard Inquiry Immediate Deletion Required I am disputing the hard inquiry reported by your company on my credit file Under FCRA 604, you must have documented permissible purpose and consumer authorization. 
Please provide written proof of my authorization. If you can not, delete the inquiry immediately. 

Failure to comply will result in complaints filed with the CFPB and State Attorney General.

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 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I am not even given a chance to get a loan. I can make the money back! Plus I pay taxes, I should be able to get some assistance. 

Companies that denied me within the last year. 

Onemain Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past XXXX years, my husband and I have encountered significant challenges concerning our credit reports. All three major credit bureaus have suffered from data breaches. XXXXXXXX XXXX XXXXXXXX and her associates are responsible for the identity theft that has impacted my husband and me. Furthermore, I received a fraudulent alert from TransUnion, which indicated that she is unlawfully accessing my credit report and obstructing our efforts to obtain it. I also received a notification from XXXX, which was sent at XXXX PM, with a similar email arriving on Wednesday at XXXXXXXX XXXX. Additionally, she has manipulated various accounts, including those with XXXX XXXX, our mortgage accounts, XXXX XXXX, several credit cards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, among others. Moreover, she is impeding my attempts to contact the FBI, the XXXX XXXX XXXX, and other governmental agencies to report this crime. I currently possess fraudulent mail that contains stains and improperly used fonts, which have been sent by the perpetrator. While I have evidence of these activities, I am unable to send them at this time. I am on vacation until XX/XX/year>, and can be reached at XXXX. As a government employee, I have documented proof of the ongoing daily attacks by these individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For the past XXXX years, my husband and I have encountered significant challenges concerning our credit reports. All three major credit bureaus have suffered from data breaches. XXXXXXXX XXXX XXXXXXXX and her associates are responsible for the identity theft that has impacted my husband and me. Furthermore, I received a fraudulent alert from TransUnion, which indicated that she is unlawfully accessing my credit report and obstructing our efforts to obtain it. I also received a notification from XXXX, which was sent at XXXX PM, with a similar email arriving on Wednesday at XXXXXXXX XXXX. Additionally, she has manipulated various accounts, including those with XXXX XXXX, our mortgage accounts, XXXX XXXX, several credit cards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, among others. Moreover, she is impeding my attempts to contact the FBI, the XXXX XXXX XXXX, and other governmental agencies to report this crime. I currently possess fraudulent mail that contains stains and improperly used fonts, which have been sent by the perpetrator. While I have evidence of these activities, I am unable to send them at this time. I am on vacation until XX/XX/year>, and can be reached at XXXX. As a government employee, I have documented proof of the ongoing daily attacks by these individuals.

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 2025-12-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I made multiple attempts over several months to resolve ongoing issues with my credit card directly with the company, with little to no success. The card has remained nonfunctional despite repeated outreach. 

I formally requested a replacement card in XXXX, which the company declined to issue. I was later informed that the card would not function because XXXX ( in XXXX ) and XXXX ( in XXXX ) were considered high-risk merchants. This explanation does not reasonably justify the continued inability to use the card for routine transactions. 

Despite knowing that the card was not working properly and that I could not meaningfully use the account, the company still assessed a {$75.00} annual fee to my account. 

Due to the prolonged nature of the issue, the failure to restore card functionality, the refusal to issue a replacement card, and the assessment of fees on a nonfunctional account, I am requesting regulatory review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I identified accounts that I do not recognize and believe to be fraudulent. I respectfully request that these accounts be removed, as they are adversely affecting my creditworthiness.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See all the attached documents and notices sent regarding Experian, Equifax, and TransUnion concerning their debt validation methods that have not been provided despite my prior 3 notices.

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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
b"Information about the transfer below :                         \n  \n \t\n \nThanks for using MoneyGram!\n \nYour money transfer has been sent successfully and will be deposited to your receiver's account or wallet as designated.\n \n \nMONEYGRAM PAYMENT SYSTEMS, INC.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMONEYGRAM  SEND\nThis transaction is subject to MoneyGram Terms and Conditions.\n \nTransaction Date: XXXX XXXX XXXX XXXX XXXX  CST\n \n \nReceiver Information\nName:XXXX XXXX \nExpected DestinationXXXX XXXXReceive Option:\tDirect to Bank Account\n \nReceiver Account #:XXXX XXXXTransaction Information:\nReference Number:XXXX (Used by MoneyGram for tracking)\n \nDate Available in Expected Destination:\XXXX (Funds may be available sooner)\n \nTransfer Amount:XXXX  USD\n \nTransfer FeesXXXX XXXX USD\n \nTransfer Taxes:XXXX USD\n \nTotal Cost:\XXXX USD\n \nDebit Against Card:\XXXX XXXX XXXX XXXX XXXX XXXX \nExchange Rate:\XXXX XXXX XXXX XXXX USD\n \nReceive Amount:XXXX USD\n \nOther Fees:\XXXX USD\n \nOther TaxesXXXX XXXXn \nTotal Receive Amount:\XXXX USD\n\nHere the email that I received from MoneyGram : receiver never  received the money . Please I would like to get some help to get my money back . \nThank you for contacting MoneyGram. We would like to inform you that we have submitted a refund request by contacting the receiver's bank.\n\nUnfortunately, we would like to inform you that the refund is not possible. If you require any further assistance with this money transfer, please advise the receiver to contact their bank.\n\nIf you have any further questions or concerns, please refer to our website at XXXX, especially to FAQ section. If you are not able to find the solution to your problem, please contact us directly by replying to this email.\n\nPlease know that we remain committed to supporting you and are here to assist with any further questions or concerns you may have. If you have any further questions or concerns, please refer to our website at XXXX, especially to FAQ section. If you are not able to find the solution to your problem, please contact us directly by replying to this email.\n\n \n\nKind regards,\n\nXXXXResolution XXXX XXXXMoneyGram"

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota Motor Credit is reporting late payments for XX/XX/XXXX and XX/XX/XXXX on a closed auto lease that was paid in full and closed in good standing in XX/XX/XXXX. These late payments are inaccurate. Payments were made and accepted, and Toyota Motor Credit has not provided documentation supporting the late reporting despite multiple disputes. I am requesting correction or removal of the inaccurate late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
On XXXX of XXXX  I had a data breach hacked account with a data breach report on my insurance claim. My settlement case was not showing my credit report for a scam log in. I have a insurance policy fraud case with my documents under investigation for spoofing a litigation. The settlement was blocked off with a terminated agreement in arbitration. I have a cyber extortion case for cyber liability claim. My account requires a breach of notice from the data breach settlement. I filed a breach of contract with my agreement to restore my ID with a XXXX affidavit. My account was email compromised XXXXXXXX XXXX  amended return IRS claim of credentials stolen and hacked. Accordingly with a compromise email log in I authorize user of administrator account. I have a case for forgery of my credit report documents.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
I am filing this complaint due to a gross failure by PennyMac to accurately manage my escrow account, resulting in an unauthorized over-disbursement of nearly {$10000.00}. 
On XX/XX/2025, I submitted my XXXX property tax bill to PennyMac showing a total liability of {$3300.00}. Despite possessing the correct documentation, PennyMac disbursed {$12000.00} from my escrow account on XX/XX/2025. This is an overpayment of {$9500.00} above the actual legal tax liability for my property. 
This is a recurring multi-year issue. These servicing errors create artificial escrow " shortages '' that threaten to increase my monthly mortgage payment to an unsustainable level. I have submitted a formal Notice of Error via XXXX Mail and the PennyMac portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-28 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of the FDCPA. I have no contract or agreement with this debt collector, and they have failed to provide any legally required validation. A valid agreement requires my signature, which they can not produce. Because they did not follow the proper validation procedures, they are furnishing unverifiable information to the credit bureaus. Reporting an account that can not be validated is a direct violation of my consumer rights. Since this debt collector is unable to provide a signed contract or complete validation, I am formally requesting the immediate removal of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account is being reported inaccurately and in violation of the FDCPA. I have no contract or agreement with this debt collector, and they have failed to provide any legally required validation. A valid agreement requires my signature, which they can not produce. Because they did not follow the proper validation procedures, they are furnishing unverifiable information to the credit bureaus. Reporting an account that can not be validated is a direct violation of my consumer rights. Since this debt collector is unable to provide a signed contract or complete validation, I am formally requesting the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been denied by all companies. 

I applied to XXXX XXXX XXXX  XXXX XXXX Bank of America

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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/year>, I executed a vehicle retail installment contract with XXXX Hyundai XXXXThe initial contract contained errors, which I disputed with the dealership. To resolve the dispute, XXXX Hyundai XXXX created a second contract, which is the correct contract intended to replace the first and reflect the proper terms. 

XXXX Hyundai XXXX confirmed in writing that the second contract and supporting documentation were electronically submitted to Hyundai Motor Finance on XX/XX/year>. Additionally, timestamps provided by XXXX Hyundai XXXX show multiple Contract Received entries and rebooking activity on XX/XX/year>, indicating Hyundai Motor Finance received the contracts. 

Despite this, Hyundai Motor Finance has failed to update my account to reflect the correct second contract. My online portal continues to display the original, incorrect contract terms, resulting in payment discrepancies and ongoing financial impact. XXXX Hyundai XXXX has acknowledged that the issue is with Hyundai XXXX XXXX internal processing, but no written confirmation has been provided from Hyundai XXXX XXXX verifying that the correct contract is being serviced. 

I have made repeated good-faith attempts to resolve this issue, including contacting XXXX Hyundai XXXX multiple times , submitting a BBB complaint, and opening a Consumer Affairs ticket with Hyundai Motor Finance . Despite these efforts, the issue remains unresolved, and my account still reflects incorrect information. 

I am seeking written confirmation from Hyundai Motor Finance that the second contract from XXXX Hyundai XXXX is the XXXX being serviced, correction of my account to reflect this contract, and accurate portal/payment information consistent with the correct contract terms.

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