vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
Ask to delete old address and wrong names and close accounts

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ask to delete old address and wrong names and close accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting a complaint regarding a collection account reported on my credit report by LVNV Funding ( managed by Resurgent Capital Services ), account number beginning in XXXX. 
I do not recognize this debt and have no memory of opening any account with the original creditor. I requested validation of the debt and received no documentation or proper proof that it is mine, nor how the balance was calculated. 
The account is being reported to XXXX as a collection with a balance of {$1400.00}, opened on XX/XX/year>, and is severely impacting my credit. This may be a case of mistaken identity or incorrect reporting. 
I am requesting that Or the account be removed from my credit report if sufficient proof can not be provided. 
l ask that the CFPB investigate and help resolve this matter under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: PA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Dispute of Account XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the account listed above, reported on my credit file as a charge-off account from XXXX XXXX XXXXXXXX XXXX XXXX  This account is not mine and is the result of identity theft and fraudulent activity committed using my name and Social Security number. 

This letter serves as a formal request for debt validation pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as applicable Pennsylvania state laws. I am requesting that you provide complete and competent documentation, including a contract or agreement bearing my signature, to validate that I have any legal obligation to this debt. 

If you are unable to validate this account with proper evidence, I am requesting that it be immediately deleted from my TransUnion credit report, and that you notify XXXX XXXX XXXX to remove the account as well. 

Please be advised that any continued reporting of this account without proper validation may constitute a violation of the FCRA and FDCPA, and could result in legal action. If this inaccurate information remains on my credit file without proper substantiation, I reserve the right to pursue legal remedies, including but not limited to : {$1000.00} per violation under the FDCPA Claims for defamation Negligent enablement of identity fraud Violations of Section 623 ( b ) of the FCRA Legal action in small claims court You are instructed not to take any collection actions or to furnish any additional negative information to the credit bureaus while this matter is under investigation. You must respond within 30 days of receiving this letter, or I will proceed with filing complaints with the following agencies and may initiate legal proceedings without further notice : CC : Consumer Financial Protection Bureau ( CFPB ) Pennsylvania Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  This communication is a good-faith effort to resolve this matter amicably and to correct any inaccurate reporting. Any response you provide will be documented and retained as evidence. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX ( Redact this for your safety when mailing! )

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 2025-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
For the second time in less than a month, my online banking account access has been restricted without warning, notification or valid justification.

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 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I took out a personal loan from OneMain Financial in XX/XX/XXXX. I decided to use XXXX to calculate the simple interest myself, thus making my own amortization schedule to compare. I realized the original loan paperwork had errors, such as inconsistency in the interest rate in different places. 

Also, there are some months where OneMain Financial made improper interest calculations and thus, the principal balance was not always accurate through the 36 month period, thus the final amount showing for me is not correct. XX/XX/XXXX should have been my last payment if this was a 36 month loan with first payment being due XX/XX/XXXX. 

This has been on autopay since the beginning and no payments were ever missed. I feel like they knowingly gave me false information on the the documents I was given, and some of the people at the counter store where I took out the loan didn't seem to understand calculating simple interest and didn't even know what an amortization schedule was. Sad... If you process loans, you should be able to understand a loan. 


I want an audit of the application of interest and principal to my loan, even if it is incorrect in pennies. If it's incorrect, I feel like they should be held accountable as part of truth in lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
I am filing this complaint because my credit report is inaccurate i have an account that was removed from my credit report. The account has came back and now its reporting twice which is adding 6missed payments on my credit report. One account is stating closed the other account is reporting open same account numbers also on the same credit report which is Equifax. Therefore ; I am filing a complaint against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within less than 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year> my vehicle was wrongfully repossessed by XXXX XXXX despite a payment arrangement I had already made with them. I was not in default at the time. I had recently paid {$1500.00} to stop a previous repossession and to have a months payment deferred to the end of the loan. I was told this would bring my account into good standing. 

Despite that payment and agreement, my truck was still repossessed without warning or explanation. It was taken at night, while I was at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and without any form of transportation. I was never notified that a repossession was in progress, nor was I given any documentation afterward. 

To this day, I have not been told where my vehicle is, who took it, or how to access my personal belongings, which include an envelope of cash, medical paperwork, and other valuables. Ive had no communication from the repo company, and Ive been denied access to my property entirely. 

This has caused extreme harm. I currently live in an RV, and my truck was the only vehicle capable of moving it. Because of this wrongful repossession, I now face XXXX XXXX XXXX XXXX XXXX has required me to vacate by XX/XX/XXXX. I am unable to work, move my home, or provide for my children. 

I am pursuing legal action through XXXX XXXXXXXX XXXX, and I am requesting the CFPBs immediate intervention. This situation is no longer just a payment issue this is a case of consumer abuse, breach of agreement, and emotional and financial harm. 

I am demanding that the lender : Disclose the vehicles location immediately Allow full access to my personal belongings Reimburse me for anything missing from the vehicle ( especially cash ) Remove all late fees and repossession-related charges XXXX a XXXX month payment deferment And provide a written acknowledgment that this repossession was an error based on a payment they previously accepted I am also preparing complaints to the Georgia Attorney General and the Federal Trade Commission XXXX and I reserve the right to pursue civil damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery is calling me nearly every day, spamming local numbers to try to get me to pick up. Twice they've called me on a Sunday morning, waking me up the first time. Every time I block the number, they spam a new one, and they're driving me insane. I have no job and no money, and can not pay. I want to file bankruptcy, but I can't afford that either! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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 a victim of identity theft, my identity was stolen and used to obtain goods that I did not authorize.

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 2025-07-13 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: AZ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/informaton reporing to my credit report. These remarks have been detrimental to my life and credit health! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern at the Consumer Financial Protection Bureau, This is an official dispute and legal demand for the removal of multiple accounts and hard inquiries currently reporting on my credit profile with TransUnion, Experian, and Equifax.

These items have been previously disputed and " verified '' without documentation, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), including 609 ( a ), 611 ( a ), 607 ( b ), 623 ( b ), and 605 ( a ). I am demanding deletion-not reinvestigation. You have failed to validate these accounts with original source documentation such as signed contracts or permissible purpose confirmations. Your continued reporting constitutes willful noncompliance and opens the door for legal action. DISPUTED ACCOUNTS ( TO BE DELETED IMMEDIATELY ) : XXXX XXXX XXXX  - AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$29000.00} - Status : Charge-Off XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Status : CollectionOrChargeOff XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two entries - Status : CollectionOrChargeOff XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : CollectionOrChargeOff XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : AsAgreed XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : CollectionOrChargeOff- Status : Collection XXXXXXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Status : Charge-Off

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 2025-07-13 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
A fair and lawful resolution would be the immediate and permanent deletion of the account reported from all consumer reporting agencies ( Equifax, Experian, and TransUnion ). 

This deletion is warranted due to their failure to issue IRS Form XXXX as required under XXXX XXXX Code XXXX, and for violating my rights under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ( b ) ), by reporting inaccurate and unverifiable information. 

I also request a written confirmation from ALL Card stating that the account has been deleted from all credit bureaus, and that they will cease and desist from further reporting or collection attempts related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NM

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 
The following account reflects derogatory marks that I believe are inaccurate or unverifiable and should be removed : Creditor Name : XXXX XXXX, XXXX Account Type : Charge Account Account Status : Closed ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX : {$2500.00} Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Payment Status : 90119 Days Late ( as of last report on XX/XX/XXXX ) Why This Needs Correction : The account is currently marked as Derogatory with XXXX day delinquency, despite having a {$0.00} balance and being closed in XX/XX/XXXX. Additionally, the severity and timing of the reported delinquencies seem inconsistent with the accounts history of 87 % on-time payments and may be a result of reporting error or system lag.

Under the FCRA, you are required to ensure that all data reported on a consumers file is accurate, complete, and verifiable ( 15 U.S.C. 1681e ( b ) ). If the creditor ( XXXX XXXX, XXXX ) can not provide proof of these alleged delinquencies including payment schedules, due dates, and a complete account activity log then this derogatory data must be removed or corrected. 
Therefore, I request that you : Initiate a formal reinvestigation of the XXXX XXXX payment history with XXXX XXXX, XXXX. 
Remove the derogatory marks if they can not be fully verified. 
Provide written confirmation of the outcome of your investigation within 30 days, as required 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 
The following account reflects derogatory marks that I believe are inaccurate or unverifiable and should be removed : Creditor Name : XXXX XXXX, XXXX Account Type : Charge Account Account Status : Closed ( as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$0.00} XXXX XXXX : {$2500.00} Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Payment Status : 90119 Days Late ( as of last report on XX/XX/XXXX ) Why This Needs Correction : The account is currently marked as Derogatory with XXXX day delinquency, despite having a {$0.00} balance and being closed in XX/XX/XXXX. Additionally, the severity and timing of the reported delinquencies seem inconsistent with the accounts history of 87 % on-time payments and may be a result of reporting error or system lag.

Under the FCRA, you are required to ensure that all data reported on a consumers file is accurate, complete, and verifiable ( 15 U.S.C. 1681e ( b ) ). If the creditor ( XXXX XXXX, XXXX ) can not provide proof of these alleged delinquencies including payment schedules, due dates, and a complete account activity log then this derogatory data must be removed or corrected. 
Therefore, I request that you : Initiate a formal reinvestigation of the XXXX XXXX payment history with XXXX XXXX, XXXX. 
Remove the derogatory marks if they can not be fully verified. 
Provide written confirmation of the outcome of your investigation within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Mohela overcharged me as my loan servicer. They admitted they owed me over {$1300.00}. I requested the refund on XX/XX/year> and they claimed they submitted the refund to the Treasury and to give it 90 days. I waited and followed up frequently. After complaints to several agencies, Mohela sent me a letter stating it was 180 days not 90 days, which is a lie. Mohela later stated they never submitted the refund to the Treasury due to an accounting " glitch ''. They still haven't processed my refund. They overcharged me, lied about processing the refund, and have done nothing to resolve the problem.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
Someone logged in my cash app changed my password and made transactions that took money out of my account

Company response to consumer: Closed with explanation