vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am submitting this complaint regarding my credit report with TransUnion, specifically the following accounts and inquiries that I believe to be inaccurately reported or are the result of incorrect data. Please investigate and provide me with the results of your inquiry in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Amount : {$1600.00} Inquiries 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 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I contacted Mandrich Law Group , LLC via their recorded customer service line to cancel a scheduled payment on my account due to my account being on a freeze from a fraudulent deposit someone put in. Despite my clear and timely cancellation request, the company failed to properly process the cancellation and proceeded to initiate the payment. This unauthorized debit attempt resulted in non-sufficient funds ( NSF ) fees, a negative bank account balance, and significant financial stress along with problem with my bank as a whole. 
I have retained documentation and/or records verifying : The recorded call confirming my cancellation request. 
The date and time of the unauthorized transaction. 
The bank statement showing resulting NSF and overdraft charges. 
Requested Resolution : I am requesting that Mandrich Law Group , LLC : Settle the remaining debt in full as restitution for their failure to honor my timely cancellation request ; Reimburse all NSF and related bank fees resulting from this incident ; and Cease any negative credit reporting or collection activity associated with this account. 
Applicable Laws and Regulations Potentially Violated : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p, including but not limited to : 1692e Prohibition against false, deceptive, or misleading representations.

1692f Prohibition against unfair or unconscionable means to collect or attempt to collect a debt ( processing a payment after cancellation may qualify ).

1692d Prohibition against conduct causing harassment, oppression, or abuse.

Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693e, regarding unauthorized electronic transfers and failure to obtain proper authorization for payments.

CFPB Regulation E ( 12 CFR 1005 ) governing electronic payments and revocation rights.

Impact : This improper debit and failure to act on a clear cancellation request have caused measurable financial hardship, emotional stress, and loss of trust. I no longer feel comfortable making payments to a company that can not properly ensure their employees follow federal guidelines and ensure they do as they are stating.

Resolution Sought : I request that the CFPB assist in ensuring : The remaining debt is settled in full with Mandrich Law Group , LLC ; All related fees are reimbursed ; Any negative reporting is removed ; and The firm is reviewed for compliance with FDCPA and EFTA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Last year I applied for a credit card from one main financial, in the mid year I had the account and after making a payment of around XXXX they restricted the access of my account and I was making the payments of the balance i had at that time, I could not recover the username or anything to log in and pay the rest of the balance so they kind of blocked me from using the app and then after some months i found out that I owed almost three times the limit on the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group
State: MN

Complaint narrative:
The timeline to maintain any reference to my past student loans has passed the legal timeline. Accordingly, I respectfully request the deletion of any tradeline in my name. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NATIONAL ASSET MORTGAGE, LLC
State: IL

Complaint narrative:
On XX/XX/year>, National Asset Mortgage LLC ( NAM ) mailed me a mortgage statement demanding payment on a debt I do * * not owe * * despite being * * UNLICENSED in Illinois * * and having * * DEFAULTED * * on prior CFPB Complaint ID XXXX. * * XXXX OFFICIAL CONFIRMATION ( letter dated XX/XX/year>, attached ) : * * We did not locate any record that National Asset Mortgage LLC and XXXX XXXX XXXX XXXX XXXX XXXX are licensed with the XXXX XXXX XXXX. XXXX has * * NO Illinois license * * under : XXXX XXXX XXXX  ( Collection Agency Act ) and XXXXXXXX XXXX XXXXXXXX ( Consumer Credit Act ). XXXX has * * NO Illinois license * * under : XXXX XXXX XXXXXXXX ( Residential Mortgage License Act ), XXXX ILCS XXXX ( Collection Agency Act ) and XXXXXXXX XXXX XXXXXXXX ( Consumer Credit Act ). Despite this, NAM continues * * unlicensed collection * * via the XXXX XXXX a fraudulent structure used to service invalid contract-for-deed instruments according to the statements of XXXX XXXX 's XXXX XXXX XXXX NAMs CFPB responses are * * identical, fabricated boilerplate * * repeating the same false claims with * * XXXX evidence, documents, or investigation * *. This violates : * * 12 C.F.R. 1024.35.41 ( RESPA ) * * Failure to conduct good-faith investigation. * * 15 U.S.C. 1692e/f ( FDCPA ) * * False representation & unfair collection. * * 12 U.S.C. 5531/5536 ( UDAAP ) * * Deceptive and abusive practices. This is * * willful, unlicensed debt collection * * not a dispute. NAM has * * forfeited all rebuttal rights * * via default and has * * no legal authority * * in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Let me be real clear with you Im DONE playing with yall. This is now the THIRD time Ive lawfully disputed the following account ( XXXX ), and you continue to report this XXXX on my credit profile : 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 15 USC 1692g ( b ) : Debt Validation 15 USC 1681i ( a ) ( 5 ) : Deletion of Errors Heres whats happened so far : Round One : You got my legal notice and IGNORED it.

Round Two : I sent a second formal demand you IGNORED it AGAIN.

Round Three : This is your FINAL legal notice, and this time Im not bluffing.

You have FAILED to : Provide LEGAL proof of verification Delete UNVERIFIED and INACCURATE information Follow the LAW youve willfully kept reporting false shit on my file 1 of 2 At this point, your willful non-compliance is a straight-up violation of federal law, and Ive had enough.

I AM NOW ESCALATING THIS MATTER TO : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the State Attorney General Every media outlet and consumer watchdog group I can find And trust me Im not stopping there.

Ive already retained legal counsel, and I WILL be filing suit for damages under : 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) 15 U.S.C. 1692k ( FDCPA violations ) So just know you WILL be held fully liable for : ALL damages Court costs Attorneys fees Any other relief the court sees fit

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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 am writing to formally dispute the following items on my Experian credit report. I respectfully request a thorough investigation into these accounts to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to correct any inaccuracies or incomplete information. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} Late Payment Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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 am filing this complaint because my TransUnion credit report contains several items that appear inaccurate or unverifiable under the Fair Credit Reporting Act. 

Disputed accounts : XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$0.00} Status : Charged Off XXXX XXXXXXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$1800.00} Status : Charged Off I am also disputing the following inquiries, which I do not recall authorizing : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that TransUnion verify these accounts and inquiries with the original creditors and furnishers. If proper documentation can not be provided, I am requesting their removal from my credit report as required by FCRA 611. 

There are no late payments or positive account disputes at this time. 

Thank you for reviewing and investigating this matter promptly.

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 2025-10-30 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX XXXX  XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX XXXX  XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
These were on my CashApp account for XXXX. I've never purchased XXXX before and CashApp said they could do nothing about it. 

XX/XX/year> {$100.00} XX/XX/year> {$250.00} XX/XX/year> {$240.00} XX/XX/year> {$25.00} XX/XX/year> {$85.00} XX/XX/year> {$45.00} XX/XX/year> {$55.00} XX/XX/year> {$32.00} XX/XX/year> {$25.00} XX/XX/year> {$85.00} XX/XX/year> {$97.00} XX/XX/year> {$35.00} XX/XX/year> {$30.00} XX/XX/year> {$50.00} XX/XX/year> {$50.00} XX/XX/year> {$88.00} XX/XX/year> {$86.00} XX/XX/year> {$3.00} XX/XX/year> {$25.00} Total {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-30 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email Address 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
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I am attaching a redacted bank statement showing a XXXX XXXX loan disbursement posted on XX/XX/year>, followed by two withdrawals processed by XXXX XXXX / Upstart : {$420.00} debited XX/XX/year> ( applied to XXXX ) {$87.00} debited XX/XX/year> ( applied to XXXXXXXX XXXX XXXX XXXXt loan disbursements are restricted for educational use and can not be used to pay private loans without explicit consumer authorization ( 20 U.S.C. 1097 and Regulation E protections ). The attached statement confirms these funds were present in my account and were taken after the federal disbursement. 

Whether or not autopay was technically enabled at the time, these funds were federal student aid and therefore legally protected. Using them to pay private debt is unauthorized and unlawful, regardless of internal retry policies or payment schedules. The banks actions caused me financial hardship, stress, and loss of access to essential educational funds. Suppose any additional information is required, such as proof of my college enrollment, financial aid records, or documentation verifying that the disbursement originated from a federal student loan. In that case, I am fully prepared to provide it upon request. 

If this matter can not be resolved promptly and amicably, I am prepared to pursue recovery through small claims court to obtain full reimbursement and compensation for damages.

Company response to consumer: Closed with explanation