vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, MI, and financed it through Credit Acceptance Corporation. I was not informed of several major issues with the vehicle, including faulty brakes, worn tires, a cooling system oil leak, and a blown engine. These problems became apparent shortly after purchase, and the engine has since failed completely. A certified mechanic has estimated repairs at {$4500.00}. 

Additionally, the contract lists the odometer reading as XXXX miles, but I have a time-stamped video from the day of purchase showing the vehicle actually had XXXX miles a discrepancy of over XXXX miles. I believe this is a material misrepresentation in violation of federal law. 

I was also told that GAP insurance ( which cost me {$930.00} ) was mandatory, when in fact it is optional. This was not disclosed properly in writing, and I believe this misrepresentation violates my consumer rights under Regulation Z of the Truth in Lending Act. 

I have submitted a formal arbitration request to Credit Acceptance and XXXX XXXX XXXX and sent certified letters, but I have not received a resolution. I am now requesting assistance from the CFPB to : Rescind the loan and financing agreement Refund all payments made, including my {$2500.00} down payment Suspend and remove all credit reporting while this dispute is active Investigate the lender and dealers practices for patterns of abuse I am aware that the CFPB and NY Attorney General previously filed suit against Credit Acceptance for similar behavior in XXXX, and the Massachusetts Attorney General reached a {$27.00} XXXX settlement in XXXX. My case appears consistent with those past patterns.

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 2025-07-10 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Collection Account Account Number ending XXXX  To Whom It May Concern, I am composing this letter to formally dispute the collection account reported under Account Number XXXX, which reflects a purported outstanding balance of {$540.00} attributed to XXXX XXXX XXXX. I wish to express my unequivocal assertion that this account has been inaccurately characterized, potentially infringing upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in Section 809 of the FDCPA, I am entitled to request documentation that validates any debt claimed against me. Therefore, I hereby request comprehensive verification, including original account statements, payment history, and any agreements related to this alleged debt. 

In the absence of substantive validation and a satisfactory response to my request, I will be compelled to seek corrective measures to ensure equity and compliance with the law. Your prompt attention to this critical dispute is necessary to avoid further complications. 

I appreciate your cooperation in resolving this matter and anticipate your swift response with the requisite documentation. 

Sincerely, 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 2025-07-10 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DEPT OF EDUCATION/XXXX  XXXX Balance : {$6700.00} late 90 days XXXX XXXX, 120 days late XXXX XXXX  DEPT OF EDUCATION/XXXX  XXXX Balance : {$6700.00} late 90 days XXXX XXXX  120 days late XXXX 2025 DEPT OF EDUCATIONXXXX XXXX Balance : {$6600.00} late 90 days XXXX XXXX, 120 days late XXXX 2025 DEPT OF EDUCATION/XXXX  XXXX Balance : {$5400.00} late 90 days Feb 2025, 120 days late XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} late 90 days XXXX XXXX 120 days late XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I submitted several months ago information proving that I now have to care for XXXX XXXX  children, and my husband has become 100 % XXXX. I was told by all collection accounts that the debts would be forgiven and that I could receive a XXXX income tax adjustment as applied income. Accordingly, I request that this debt be forgiven and that the balance be deleted from all pertinent credit reporting agencies, and/or transferred to a third-party debt buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureau was sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress.XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute & Legal Demand for Validation Account XXXX XXXXXXXX | Amount : {$1600.00} To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for immediate validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and 1681s-2.

I do not acknowledge or accept any legal responsibility for the alleged debt Midland Credit Management , Inc. is reporting. Your continued reporting of this account as a collection is both inaccurate and legally noncompliant. 

YOU ARE HEREBY REQUIRED TO PROVIDE : A copy of the original contract or agreement bearing my wet signature, showing legal responsibility for the {$1600.00} debt. 
A complete, itemized breakdown of the balance, including all charges, fees, and interest. 
Full chain of title documentation proving legal assignment of the debt from the original creditor to your agency. 
Proof that you are licensed and authorized to collect debt in the state of Illinois. 
A copy of your privacy policy and the method used to obtain and share my personal data. 
LEGAL GROUNDS FOR THIS DISPUTE : According to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity and reporting until proper and complete validation is provided.

If this debt is being reported to any credit bureaus, that is a violation of 15 U.S.C. 1681s-2 ( b ) unless you have conducted an independent investigation and not relied solely on e-OSCAR or automated systems, which do not satisfy the law.

I also invoke UCC 1-308, reserving my legal right to not be bound by any contract or terms I have not personally consented to in writing. 

FORMAL DEMAND : Immediately delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXXXXXX ) Cease and desist from all collection activities Provide a full written response within 15 calendar days If you do not comply, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office, and I will pursue civil litigation for any damages caused by your continued misreporting. 

You are now on legal notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent inquiries to Transunion and Equifax credit bureaus requesting verification of XXXX XXXX XXXX item on my credit profile being reported inaccurate and inconsistent. On XX/XX/year> via certified mail again I sent follow-up letters requesting the same verification from Transunion and Equifax credit bureaus XXXX I received a vague response from Transunion letter dated XX/XX/year> which is also over 60 days. I never received a response from Equifax, which is over 60 days also. Unverified/Inaccurate information which is a violation of Section 623 ( a ) ( 8 ) and Section 623 ( e ) of the FCRA. This request is noncompliant because under State and Federal Statutes a response should have been received within 30 days or item should be deleted from my credit file. If this item is not removed from my file immediately, I reserve the right to file charges and take legal action to recover damages.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: TX

Complaint narrative:
In XX/XX/year>, I opened a checking account # XXXX with Midfirst bank when they ran a promotion for a bonus of {$350.00} after doing a direct deposit of {$1000.00} within 90 days. 

I met the promotion requirements within a month, but never received the bonus. 
When I tried to contact customer service, I was told that I would get a response within XXXX business days but never got any response. 

Request the bank to credit the {$350.00} as per the promotion.

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 2025-07-10 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
FORMAL COMPLAINT TransUnion Reporting Unverified and Inaccurate Negative 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 non-monetary relief
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX these accounts can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form. 

A court ruling on XX/XX/year>, Case XXXX in my favor against XXXX XXXX XXXX XXXX XXXX as referenced in the XXXX XXXX Sheet.pdf, confirms I do not owe the debt associated with XXXX collections totaling {$2300.00}, as reported in the XXXX XXXX Balance.pdf. These collections stem from Comenity accounts ( XXXX, XXXX XXXX, XXXX ) sold to XXXX. Despite this judgment, XXXX continues to report these collections as valid, and Equifax, Experian, and XXXX  have failed to remove them, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below : Account Name : COMENITYBANK/JCREW Account Number : XXXX Account Name : COMENITYBANK/VICTORIA Account Number : XXXX Account XXXX : COMENITYCB/XXXX  Account Number : XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX these accounts can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form. 

A court ruling on XX/XX/year>, Case XXXX in my favor against XXXX XXXX XXXX XXXX XXXX as referenced in the XXXX XXXX XXXX.XXXX, confirms I do not owe the debt associated with three collections totaling {$2300.00}, as reported in the XXXX XXXX Balance.pdf. These collections stem from Comenity accounts ( XXXX, Victorias Secret, J.Crew ) sold to XXXX. Despite this judgment, Comenity continues to report these collections as valid, and XXXX XXXX, and XXXX  have failed to remove them, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in consumer reports.

Company response to consumer: Closed with explanation