vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: DISCOVER BANK
State: MS

Complaint narrative:
XX/XX/XXXX {$12000.00} Signed under Debt Settlement company XX/XX/XXXX Court ordered to be paid by the " spouse '' XX/XX/XXXX Certified mailed with Temporary order and a Contempt paper to the assigned attorney but never received a respond I have over XXXX emails XXXX me and the company. They finally told me they went out of business... 
XX/XX/XXXX : Started calling and trying to dispute all XXXX through XXXX main credit reporting companies Also, called the credit card companies directly. 
Asked for 1099-C and the copy of transaction being sold to the third party.

was told they tried to mail it to me but never received it. I was using a XXXX til XX/XX/XXXX when i started renting from a friend 's father. 

XXXX/XXXX : they updated/ disputed XXXX out of XXXX, but all XXXX are still not reporting the same. 

XX/XX/XXXX & XX/XX/XXXX ( XXXX ) {$1400.00} ( XXXX ) {$8100.00} have been asking them to provide me with 1099-c, asked for another copy of the debt being sold .. and i still have yet to heard a respond but just updated to " Remaining '' This was court ordered to be responsible by the spouse and has caused me personally tremendous stress affecting my custody due to not able to obtaining housing due to the score and also not able to say goodbye to my father before his passing in XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I financed my vehicle through Credit Acceptance in XXXX XXXX. The initial balance on my account was {$12000.00}. As of XX/XX/year>, the remaining balance is still $ XXXX though I have made XXXX direct payments of about {$350.00} each ( totaling roughly {$1000.00} ). 

During this time, the company added interest charges of about {$160.00} and {$280.00} in XXXX and XXXX. Based on these numbers, only about {$260.00} of what I paid went toward the principal, while over {$800.00} went toward interest. My indicated Annual Percentage Rate ( APR ) is XXXX  %, which I was told was due to my minimum credit history. 

I believe Credit Acceptance gave me an extremely high and unfair APR rate because of my age and limited credit history, even though my credit score was fair for my age ( XXXX ). I was not fully informed about how high the interest would be, and the loan now feels predatory. I have not yet contacted the company directly, but I am asking for this loan to be reviewed for fairness and accuracy. 

I have a strong history of making my payments on time and do not struggle to meet my obligations. The issue is not my ability to pay, but the unfair and predatory nature of the loan structure. I now realize the lender set extremely high interest terms that make it difficult to reduce the balance even with consistent payments. 

I respectfully request that this loan be reviewed for fairness and that my APR rate be lowered to a reasonable level based on my payment reliability and credit standing.

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 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
My report is showing late payments even though the account has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I mobile deposited a {$1200.00} check that I was paid from doing odd jobs and it ended up being sent back by of a closed account well XXXX was put in my account as it being negative XXXX so I called the lifted the hold it put on my account so I got a personal check from a different job I did and asked if it would effect my account they said no so I mobile deposited XXXX and as it is about to clear in to my account with the XXXX I already had available my money disappeared so when I called I was told the same thing over and over again then sent to different person and that went on for XXXX hours and now my account details like my Email and password are being changed while I'm trying to get this hold lifted they are changing my account info on me so now I can't get into my account so I can't get the XXXX or so that I had or the other XXXX $ mobile deposit that disappeared along with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
On XX/XX/year>, I submitted a complete FCRA 605B Identity Theft Report to TransUnion LLC regarding a fraudulent XXXX XXXX account ( Acct. XXXX ). 

My package included my FTC Identity Theft Report ( # XXXX ), Police Report ( # XXXX ), Notarized Affidavit of Truth, and proof of ID and address. TransUnion acknowledged receipt but failed to block the account within XXXX business days as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Instead, on XX/XX/year>, TransUnion marked the account verified as accurate and updatedallowing the fraudulent information to remain. This is a direct statutory violation : 605B requires the consumer-reporting agency to block and delete identity-theft information within XXXX business days of receiving a proper Identity Theft Report, without waiting for any furnishers reinvestigation. 

I have now served TransUnion with a Certified Mail 605B Demand Letter dated XX/XX/year>, giving XXXX calendar days for compliance. 

Requested Action : Please treat this as a 605B Identity-Theft Blocking Complaint, not a 611 dispute, and require TransUnion to block and delete the Klarna account within five days, issue a written confirmation and updated disclosure, and cease reporting the fraudulent item to all third parties.

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 2025-10-22 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: PA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
XXXX XXXX I received my credit report and it showed that the original principle amount of my parent plus loan was {$8600.00}, but the Current principle amount was {$9800.00}. I called XXXX and it was explained to me ( which I didn't agree ), I made payments to try to get close to the original principle amount. Then in XXXX the amount was still over by {$300.00}. 

And I always make complaints with the original loan servicer XXXX XXXX in regards to my first payment being deducted from my bank account but not showing up on the statements. Their agents would say they see the payment on their computers so don't worry. I called about that XXXX times. Now looking at the history I see that the payment in question was mishandled and never refunded back to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services
State: KY

Complaint narrative:
This company refused to give me a natural disaster forgiveness during XXXX, I lost my job, my home and became divorced all within a few months. I know the loan had insurance that I paid for for instances like this when they occur. I paid the loan thru wage garnishments for years because I couldn't or didn't have any other choice. I started disputing it refusing to file bankruptcy. My fees were as high as any credit card you can get. Terrible company to get a loan thru. I PAID OVER XXXX IN ATTORNEYS FEES FOR THEM TO PUT A SIMPLE WAGE GARNISHMENT ON MY CHECK. IF I EVER FIND OUT IS POSSIBLE I WOULD SUE THEM FOR THE STRESS AND GRIEF THEY CAUSED ME AND MY FAMILY. I just want this OFF OF MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Un-enroll my XXXX email addresses. I have four email addresses that had worked fine before. All of the XXXX email addresses had been properly verified before. 

My son, XXXX XXXX, who has a power of attorney with Ally, has spoken with several Ally representatives since XX/XX/year>. 

One said : she would " unblock '' them within 48 hours by " escalating '' the problem.

A couple of them ( e.g., XXXX " XXXX '' ) hung up on him because we were " suspicious '' because : No XXXX XXXX, who doesn't speak XXXX well, should be able to use XXXX. 


My Ally case number is : XXXX. 


My Ally XXXX email addresses are : XXXX, XXXX, XXXX, XXXX. 


An Ally representative named XXXX seemed to know how to resolve my case ( see attachment ). But, to date, I have not heard from her. 

According to the XXXX XXXX, the email tokens were suspended by Ally bank, NOT by 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 2025-10-22 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: MD

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-22 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: MS

Complaint narrative:
I am trying to purchase a home and I noticed several fraudulent accounts on my credit profile. I proceeded to contact the credit bureaus and the creditors asking for the original documents used to open these accounts as I am entitled to under the FCRA laws. The credit bureaus TransUnion, Equifax nor Experian sent me the requested documents. All of the bureaus seem to be running sham investigations and these actions are hurting me financially. I have asked for help in removing the fraudulent accounts and no one is helping 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 non-monetary relief
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
I am trying to purchase a home and I noticed several fraudulent accounts on my credit profile. I proceeded to contact the credit bureaus and the creditors asking for the original documents used to open these accounts as I am entitled to under the FCRA laws. The credit bureaus TransUnion, Equifax nor Experian sent me the requested documents. All of the bureaus seem to be running sham investigations and these actions are hurting me financially. I have asked for help in removing the fraudulent accounts and no one is helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT 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

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 2025-10-22 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: CA

Complaint narrative:
THIS ACCOUNT HAS BEEN REPORTED INCORRECTLY AS LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
I am writing to formally file a complaint regarding several serious inaccuracies and unfair reporting practices by financial institutions and debt collectors on my credit report. These issues have caused significant distress and are negatively impacting my financial standing. 

Details of the issue : Incorrect addresses reported : XXXX XXXX, XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Not my address These incorrect addresses are associated with accounts listed in my credit report. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and are causing harm to my creditworthiness. 

Incorrectly reported accounts/ debt : XXXX XXXX  ( Account # XXXX ) * * High Balance : {$2000.00}, Date Opened : XX/XX/XXXX, Reported as Charge Off XXXX XXXX XXXX ( Account # XXXX ) * * High Balance : {$1200.00}, Date Opened : XX/XX/XXXX, Reported as Collection XXXXXXXX XXXX  ( Account # XXXX ) * * High Balance : {$2100.00}, Date Opened : XX/XX/XXXX, Reported as Collection I dispute the validity and accuracy of these accounts. Either these accounts are reported under incorrect personal information or reflect errors that must be corrected.

Actions requested : Immediate investigation of these discrepancies and removal or correction of any inaccurate information from my credit report. 

Written confirmation from each creditor or debt collector regarding the legitimacy of the accounts and their reporting.

Assurance that no further negative reporting will occur until the accounts are verified.

I urge the CFPB to act promptly to ensure that my credit report reflects only accurate, verified information. These errors are causing unwarranted financial harm, and I am requesting a swift resolution.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a issue with a dealership that I have already reported where i stated they have done me wrong because the info on the report is wrong and thats not what happened the car was paid off because the dealership sent the payment but Westlake took to long to put it and then on top of that they reported my credit without my consent because I never had the car

Company response to consumer: Closed with explanation