vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Subject : OneMain Financial is reporting my loan as secured even though no lien exists on my Arizona title. Prior CFPB complaint was closed without addressing this issue.

This is a follow-up complaint regarding OneMain Financial. My previous case was closed without addressing the central legal problem.

1. OneMain does NOT have a perfected lien on my vehicle.

My vehicle is titled in Arizona, and my official Arizona title shows NO LIENHOLDER.

OneMain admits in their written response that their lien was never perfected due to errors in their paperwork and submissions.

2. Despite having no perfected lien, OneMain continues to classify and report my loan as secured.

This is legally inaccurate and misleading.

A lender can not claim a secured interest without a perfected lien under state law.

3. Reporting my loan as secured when no lien exists violates the FCRAs requirement for accurate information.

The FCRA requires lenders to report : accurate complete non-misleading information to the credit bureaus.

Reporting a loan as secured when no security interest is perfected or enforceable is inaccurate.

4. OneMains failure to perfect the lien is entirely the lenders fault.

Their own letter states they repeatedly submitted incorrect paperwork, used wrong addresses, and filed to the wrong state.

Borrowers are not responsible for lender administrative mistakes.

A lender can not use its own filing errors to claim a secured loan.

5. OneMains conduct is deceptive and unfair.

They represented this transaction as simple, then failed to perfect the lien, yet still : treat the loan as secured report it as secured refuse to correct the loan type imply they can enforce a lien they do not legally have This is an unfair, deceptive, and misleading practice.

6. Requested CFPB action : I am requesting that the CFPB instruct OneMain to : 1. Correct the loan type from secured to unsecured in their system and on all credit bureau reporting.

2. Stop representing the loan as secured until a lien is lawfully perfected in the state that holds my title.

3. Provide written confirmation of the current lien status.

4. Stop claiming repossession rights when they hold no perfected security interest.

5. Ensure all reporting complies with FCRA accuracy requirements.

7. I am not disputing the existence of the loanonly the false reporting of its secured status. 

This is a legal accuracy issue, not a payment dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: VT

Complaint narrative:
i started this loan in XX/XX/year> they wont allow only principl only on due date they make it hard communucation is non existant i have made my payments for all ths time a made a XXXX dollar paymen XXXX DOLLAR PAY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Experian is reporting several accounts and inquiries on my credit file that do not belong to me and were never authorized. They are showing charge-off accounts I have no knowledge of, including XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ). They are also reporting late payments on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1000.00}, opened XX/XX/XXXX ) even though I have never made a late payment. My report also shows many unauthorized inquiries that I did not approve on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from companies including XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are not mine and are appearing without proper verification.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SG and Associates
State: PA

Complaint narrative:
On XX/XX/year> I received a call from a company claiming to be a pre litigation company and that I owed a debt, they would not send verification of this debt, and they refused to give me the mailing address.So that I could request in writing verification of the debt. They said that it was now going to a lawsuit. When I called to get the address to send them a certified letter to request verification of the debt, the person on the phone told me that they were not actually the company that collected the debt but could not provide information on who was collecting the debt.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-11-25 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: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CA

Complaint narrative:
Did not understand interest was high, due to reading XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
I am writing to dispute several accounts on my credit report that I believe to be inaccurate. Below is the detailed list of accounts I am disputing with each respective credit bureau. I request that these accounts be investigated and any discrepancies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payments : 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I fell behind XXXX  months and began making payments on XX/XX/XXXX. I went to make XXXX payment and they told me it would interfere XXXX my modification of XXXX - XXXX. Then without notice accelerated my loan on XX/XX/XXXX and began foreclosure on XX/XX/XXXX. They have gave me the run around and even decided on foreclosure with out notifying me properly. They continue to send trial plans but refuse to put them through the court to prevent more misleading. They sent me another trial dated for XX/XX/XXXX, but sold my service XX/XX/XXXX, but now their lawyer put in for a preacipe to sell my home in auction. Lots of violations. I have several payments and partial payments accepted as well. This bank and their counsel are not on the same page and try to use confusion to steal homes from people who actually try to resolve issues. But they delete documentation and push motions at the same time they send trial plans and sell service to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
XXXX gave me a loan mod, took XXXX XXXX  but failed to lower rate or payments and failed to extend my loan, getting near the end of the loan was told to apply again for another loan mod, I did while waiting for over XXXX  months for a reply I made monthly payments which XXXX failed to process, after XXXX  months I found out my loan was sold to fay servicing none of the companies informed me of the sale, XXXX  contacted me mid XX/XX/year> and told me I had to make payments to get a loan mod, they tripled my monthly payments, I made all the trial payments and was looking to get a home equity loan to get lower payments, XXXX found out and started reporting to the credit agencies that my payments were XXXX and XXXX  days late, I made every payment on time, they are reporting payments made to XXXX that they didn't process and failed to forward to XXXX and never sent back to me, with XXXX making this report hurt my chances for a home equity loan, I made all payments from XXXX to date, I passed to XXXX  month XXXX period, they reported to the equity people my agreement didn't start till XXXX and my trial period didn't start till then, which hurt me again for the loan, they sent me paperwork to sign but it had XXXX different pay off amounts and I couldn't get answers from XXXX, trying to get a lawyer to look at it they want almost {$1000.00} to advise me, too much I didn't have it, then I find out XXXX sold my loan to another company XXXX  servicing and again no one contacted me or told me about the sale, this new company only wants full payment will not listen to anything else, I can't get the money I need due to the wrong information being reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
Hi!! I am reporting a recurring issue with XXXX XXXX product that has resulted in the disappearance of funds and a mid-cycle reduction in my borrowing limit. I am paid weekly. On Wednesday, XX/XX/year>, my payroll direct deposit posted, and XXXX automatically deducted my full repayment of {$360.00}. Immediately after repayment, XXXX restored my full {$360.00} limit. I withdrew {$180.00}, leaving {$170.00} available. This remaining {$170.00} was visible and confirmed in my XXXX balance. 

The following morning, the {$170.00} was gone. XXXX lowered my total limit from {$360.00} to {$300.00}, restarted my cycle early, and locked my available balance at {$0.00}. The system stated that my limit would start increasing on XX/XX/XXXX at {$6.00} per day. XX/XX/XXXX is also my payday, meaning the cycle resets that same day. Therefore, I will never receive the {$6.00}, the {$110.00} shown for this cycle, and the {$170.00} that was already available has effectively been removed. 

This issue has now occurred a XXXX  time, with the system removing available funds again. For this current pay cycle, my XXXX limit is {$300.00}. However, XXXX  is only making {$100.00} available for withdrawal in total ( the {$29.00} shown now is included in that amount ). Because my next weekly paycheck will reset the cycle before the remaining balance becomes available, I will permanently lose access to approximately {$190.00} this cycle. This is the XXXX  cycle where earned, available funds have disappeared. 

This situation is causing severe financial hardship. My family is currently facing eviction, and the removal of these funds has made it harder to pay rent and prevent displacement. These funds were part of the money I was counting on to manage essential expenses, and their disappearance has worsened an already critical housing situation. 

XXXX does not reset mid-cycle, and there were qualifying deposits, no failed repayments, and no reversed transactions. Customer service could not explain the issue, referenced the wrong deposit, and in some cases disconnected calls. I have screenshots showing the {$170.00} available XXXX night and missing the next morning, and recordings of representatives stating the situation did not make sense. They were also extremely rude and constantly disconnected the calls. 

I have also reached out to the CEO and their partners and to this day have not received a response. My boyfriend also recorded a call with me and a supervisor where he simply ignored me and was silent until he hung up. If you need the audio, let me know how to send it. 

I have a lot of screenshots I can send but this wont allow me to send all. Please let me know how I can get all of my supporting documents to you. I have uploaded what was most important

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, my business account was compromised and the amount of {$1200.00} was stolen by an unauthorized unknown person making fraudulent purchases with XXXX XXXX  and XXXX. 

I, XXXX XXXX, immediately contacted Wells Fargo and disputed the transactions made on XX/XX/year> at around XXXX XXXX. The claim number from Wells Fargo is the following : XXXX. 

I have followed up with Wells Fargo with their XXXX XXXX claims department on XX/XX/year> at around XXXX XXXX and received the following response from XXXX XXXX badge number ( XXXX ), that they were still investigating and are waiting for the charges made to be cleared even though it says on my business account that it finalized. As I argued that my patience was wearing thin due to repeating over and over what happened, she refused and avoided entirely to investigate the claim when I revealed that I was XXXX  when I was speaking to my mother in XXXX  during the call. 

This is blatantly XXXX and unprofessional and Wells Fargo needs to be held accountable.

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 2025-11-25 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am submitting this complaint because TransUnion is reporting multiple inaccurate and unverified accounts on my credit file even after several disputes. The following accounts do not belong to me and have never been validated with any contract, signature, or proof of ownership : 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  These accounts are being reported as charge-offs and collections even though I have no knowledge of them. TransUnion has also reported false late-payments on XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX even though I have never been late. TransUnion has not provided any verification as required under FCRA 602, 609, and 611, and continues to report this information without proof.

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Dealing XXXXMidland Credit Management..... spouse was served with debt summons on XX/XX/XXXX by XXXX  mail. No previous interaction with this company.... None! No debt validation letter at all, Not even sure about this debt being that spouses identity was XXXX  at some time between XXXX and XXXX. 
In dealing with this debt summons, we have filed an answer to the court and with the plaintiffs XXXX they received on XX/XX/XXXX..... as we did not know this was a violation of CFPB and FDCPA. Have not heard back yet from court or plaintiff as to a court date or discovery hearing. Currently, waiting to hear back..... thinking spouses rights were violated. 

Thank you.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OH

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with TransUnion. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( XXXX ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through XXXX which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

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