vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: OneMain Finance Corporation
State: CO

Complaint narrative:
One Main Financial first agreed on having my APR at 19.70 %. But on the same loan agreement statement they wrote 20.23 % as my APR. Plus I told them I was on XXXX and receive SSDI through social security. I then purchased the XXXX insurance which she said not a problem at the XXXXXX/XX/XXXXlocations. Just to find out that the insurance is obsolete. Please get ONE Main from stop harrasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
My account that I created online for Equifax will not allow me access to my online account. When I log into the account using my email and password that I created, I receive a message that says, " We can't complete your request at this time. Please call the Customer Care team. '' When I log into the account, I do make sure that I turn my XXXX off before I log in as well ; however, I am blocked from access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion is reporting contradictory and inaccurate information on my file regarding XXXX XXXX XXXX ( account # XXXX ). 

On XX/XX/XXXX, TransUnion updated the account as closed as of XX/XX/XXXX, with {$0.00} credit limit. 

On XX/XX/XXXX, TransUnion updated the same account as XXXX days delinquent/charged-off with {$4900.00} past due. 


This is impossible and constitutes : XXXX. Contradictory reporting an account can not be both closed with no balance and simultaneously charged-off with thousands owed. 


XXXX. Re-aging of debt reporting a new delinquency date ( XX/XX/XXXX ) on an account closed in XX/XX/XXXX is unlawful under the FCRA. 


3. Failure to maintain accurate reporting TransUnion has violated FCRA 1681e ( b ) and 1681i by failing to ensure accuracy and consistency in my 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 2025-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I returned GM Financial 's call on XX/XX/XXXX. They told me I owed a {$490.00} " Disposition Fee '' and a {$150.00} " Excessive Wear '' fee for the XXXX  XXXX XXXX XXXX I turned in at the end of my lease, on time and under the allowable mileage. I asked their representative to send me some evidence of the fees they say I owe. I answered their calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of today, I have not received the information they promised to send. I search my inbox and spam folders just prior to typing this complaint. One of their representatives, told me the Disposition Fee is in my lease agreement and it will be sent to me. I suspect the verbiage is buried and not clearly spelled out like all the other lease costs. It sounds like something they just made up to take another bite of the apple at the end of lease. 

I told the gentlemen I have leased vehicles with GM Financial every year for the last 10 years or so, and have never paid such a fee. I currently have 2 other vehicles under lease with GM Financial. Heck of a way to treat a good customer. What is troubling is I was told these fees would have been waived if I would have leased another vehicle with GM Financial. Sounds like junk fees to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-14 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:
Ive constantly asked the company for all verifications, consents, and first hand knowledge and signatures of any facts that pertain to their records. None provided. Experian/Transunion/XXXX/ credit agencies wont provide the information

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Maam/Sir, Good day! 
I would like to request for change name of receiver, From XXXX XXXX to XXXX XXXX under XXXX XXXX - amounting XXXX XXXX. 

Respectfuly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America excepted my digital deposit check placing the funds in my account from a check written out to me with myself as the payee. The check was a duplicate deposit as this fraudulent agent had already cashed it causing bank of America to send me a letter telling me about my Options of protection. The funds were from the franchise tax board from a disturbing set of events where property that was rightfully my inheritance got unconstitutionally sold without giving any notice or even attempting any. The remainder obviously less than real ownership was then " excess proceeds '' as they call it. The tax assessor sells the list of these actions and somehow this fraudulent agent purchased the list and solicited a service where he was charging over 3 times the legal allowed and when this assigned officer noticed he wasn't licensed she rejected my claim as she should have. After that she proceeded by not doing any of the procedural required steps but then entered into an agreement with this unlicensed person to allow him to produce this licencing requirements that needed to be effective before. The licencing was a further fabrication, her duties that the effects say if not done that the claim will have no effect, this person obviously established an overwhelming amount of confidence knowing this lady was allowing him to break the laws and she was then contracting on her own with this agent. The supposed to be verified XXXX claim amount then somehow turned into XXXX approx then as his wife is his authorization to establish this fake business. This officer just completely disregarded all the rules of performance in her position and then after I file the claim with my bank as they directed, they get ahold of I think this officer and come back accusing me of authorizing this nonsense and have left me fighting trying to find a remedy for over 6 months I believe now. I'm the only listed payee and these people are so wrong that I've requested the one that they used about 28 times now and they come back with the same avoid giving me that repeat excuse blaming me. I guess it's too hard for them to understand my claim was denied and once denied it can't be reformed and restructured to this fraudulent agents desires at the request of this officer without me involved. This was a contract between all these people to wrongfully misappropriate my funds.

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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Hey so PayPal has lied to me over and over again about when my funds will be released and Ive probably spent 10 hours trying to get my funds released. 

PayPal is holding funds despite confirmed delivery and buyer acknowledgment. 

They have a new seller policy where u wait 21 days to access funds but they promised me if I provided everything it would be 7 days after confirmed delivery and buyer feedback. Ruining my life seriously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year>. As of today, I have not heard back from you. It has been 60 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for you collection of this alleged debt?

Please send evidence your authorization to do business or operate in the state of Mississippi.

Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date XXXX Subject : Dispute of Student Loan Reporting & Request for Update to Positive Status Dear [ Servicer/Credit Bureau Representative ], I am writing to formally dispute the accuracy and completeness of the information being reported regarding my student loan ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, I have the right to dispute inaccurate or incomplete information on my credit report and request a reinvestigation. 
Specifically, the following item ( XXXX ) are being reported incorrectly : Creditor/Loan Servicer Name : [ Insert ] Account Number : [ Insert ] Reported Status : [ Late/Default/Delinquent ] Inaccuracy : [ Explain whye.g., I was in deferment/forbearance at the time, Payments were made on time, or This account is misreported as delinquent. ] I request that this account be updated to reflect a positive and accurate status, consistent with my actual repayment history and rights under federal law. 
Additionally, under the Higher Education Act ( XXXX XXXX. XXXX & XXXX ) and Department of Education regulations ( XXXX XX/XX/XXXXXXXX & XXXX ), servicers are required to maintain accurate records of repayment status, deferment, and forbearance. Any failure to properly record these statuses results in inaccurate reporting, which is prohibited under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXe ( prohibiting false or misleading representations ). 
Therefore, I am requesting : A full investigation of this account. 
Written verification of the loan status and payment history. 
Immediate correction of the reporting to show this account as current/positive. 
Notification to all credit bureaus of the corrected reporting. 
If this matter is not corrected withinXX/XX/XXXX days, as required under FCRA XXXX ( a ) ( XXXX ) ( A ), I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the U.S. Department of Education, Federal Student Aid Ombudsman Group. 
Please consider this letter as a formal notice of dispute and request for compliance with federal law. 
Thank you for your prompt attention. I look forward to receiving written confirmation that this matter has been resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
Not accurate information. Please validate or Im requesting the removal from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
From since XXXX I got into a bad car accident with my postal vehicle. Came out of the Coma sent in paperwork. Still not forgiven. Then 2 yrs ago applied again this time got it. All my loans were gone off of my credit. Last month this company appeared on my credit reporting by the name of Mohela Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number down listed in the system as XXXX  and i was told aXXXX XXXX XXXX XXXX XXXX XXXX  was using that number and i paid full balance my correct number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX 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 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  According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : - Date of Birth : - Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I have had student loans to support my children since XXXX. My son XXXX XXXX attended XXXX XXXX  XXXX. My daughter XXXX XXXX attended XXXX Michigan XXXX On Friday, XX/XX/XXXX, Aidvantage erroneously XXXX my student loan accounts as 90 days late with the credit bureaus. I recently searched my emails for communications related to researching the cause of this issue and found notices in my junk mail, but I had never received written notices of any kind regarding past-due payments. BEFORE THIS I HAD EXCELLENT CREDIT. My XXXX XXXX was XXXX on XX/XX/XXXX and is now XXXX because of this ERROR/ISSUE. 

The account should still have been in deferment because my student is still in school. 

My daughter XXXX XXXX recently graduated with an XXXX degree from XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ) in psychology and is now enrolled in a graduate program full-time at Western Michigan XXXX XX/XX/XXXX ) for her master 's in XXXX XXXX. 

I have done the following to attempt to rectify this situation : paid {$960.00} by phone XX/XX/XXXX to make the account current, paid another XXXX online once I figured out how to log in to AIDVantage online. The account is now current. I then selected deferment within the payment options tab on XX/XX/XXXX to put the account back into the status that it should have still been in. I will follow up with a call and email tomorrow. I would like the 90 day delinquency removed immediately.

Company response to consumer: Closed with explanation