vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Credit Acceptance. I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy. I do not recognize the aforementioned account which, which was open on XX/XX/XXXX.The aforementioned account was not made nor initiated by me which results to identify thief and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that this aforementioned account posted is fraud and identity theft.

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 2025-12-24 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a single CareCredit account with Synchrony Bank and have never missed a payment. 

On my XX/XX/year> statement, Synchrony added a deferred interest charge of {$7700.00} at once due to the expiration of a promotional financing balance. I was making consistent on-time payments and was unaware that missing the payoff deadline by even a small amount would trigger the full accumulated interest. 

I contacted CareCredit customer service and escalated to a supervisor. Both confirmed that the interest could be waived, but only if I paid {$5400.00} in full by XX/XX/XXXX, which I can not afford. 

I requested hardship assistance, a goodwill adjustment, or a new promotional or repayment plan without a lump-sum requirement. All requests were denied.

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 monetary relief
Consumer complaint received 2025-12-24 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:
These accounts are not my own and must be taken off within 15 days pursuant to USC 1681g.

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 2025-12-24 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: TX

Complaint narrative:
Please examine the supplied documentsthe questions arrived suddenly and may lack authorization.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
I am not satisfied with Exeters response because it does not address the core issue : I still have not received the written notice and documentation needed to verify the debt, the reporting timeline, or who currently owns the account. 

In its response, Exeter states my account was transferred to XXXX XXXX XXXX on XX/XX/year> and says it is unable to act on matters after that date. Exeter also states that a Transfer of Account Ownership notice will be included for my records, but the only attachments provided were the Contract and a Statement of Account. No separate transfer/ownership notice was provided. 

Exeter also states the reporting is accurate and tells me any discrepancies must be addressed with the credit reporting agencies, but that does not provide the missing documentation I requested ( e.g., confirmation of when delinquency began/DOFD, charge-off status/date, and documentation supporting the reporting and transfer ). 

I am requesting that Exeter provide the Transfer of Account Ownership notice and proof of transfer/ownership, and provide complete documentation sufficient to verify the reporting timeline ( including delinquency start/DOFD and charge-off details ). If Exeter can not provide this documentation, I request that the tradeline reporting be reviewed and corrected as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am filing a new complaint regarding Wells Fargos final handling of a Regulation E debit card fraud claim after denial and appeal.

I initially reported fraud involving XXXX unauthorized debit card transactions totaling approximately {$210.00} : {$86.00} and {$120.00}. During the claim process, earlier unauthorized transactions were identified, bringing the total to XXXX disputed transactions : {$29.00} ( XX/XX/year> ) {$34.00} ( XX/XX/year> ) {$86.00} ( XX/XX/year> ) {$120.00} ( XX/XX/year> ) Wells Fargo added the earlier transactions to the claim without explaining Regulation E notice requirements or advising that inclusion of older transactions could impact the handling of newer ones. During this process, the {$120.00} transaction was initially left out of the claim without explanation. 

Wells Fargo reimbursed and finalized credits for the XXXX oldest transactions ( {$29.00} and {$34.00} ), which were well outside the XXXX notice window. Wells Fargo then denied the overall claim and later denied my appeal. 

After denying both the claim and the appeal, Wells Fargo deposited {$86.00} tied directly to Claim # XXXX, confirming that at least XXXX newer transaction was timely and reimbursable. However, Wells Fargo continues to deny reimbursement for the remaining {$120.00} transaction, which is more recent than transactions they already reimbursed. 

Wells Fargo has not provided transaction-level written findings explaining why XXXX timely transaction was reimbursed while another was denied, nor has it demonstrated that a reasonable investigation was conducted for each disputed transaction as required under Regulation E.

I exhausted internal escalation channels, including a formal appeal and multiple requests to the Resolution Department, without meaningful resolution. The issue remains unresolved after partial reimbursement. 

I am requesting CFPB review of Wells Fargos Regulation E compliance and reimbursement of the remaining {$120.00}.

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 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint because TRANSUNION is preventing me from accessing my personal credit account and credit data, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I know my rights to my data and private information, and TRANSUNION is violating my rights to reasonably access my data. 

I am unable to log in to my account because the required login verification code is never delivered to my email address, despite multiple attempts. This is an error with TRANSUNION 'S SYSTEM, not my email, as I am able to receive other emails from other vendors. I have confirmed that my email address is correct and that no messages are being received in my inbox or spam folder. 

I have repeatedly attempted to resolve this issue through customer service, but I have been unable to obtain meaningful assistance : The companys customer service phone number repeatedly disconnects or hangs up before I can reach a live representative. The automated system just HANGS UP, despite multiple attempts and multiple different TRANSUNION phone numbers that I tried. 

The online chat support agents do not resolve the issue and instead send me in repetitive loops of troubleshooting steps that do not fix the login problem. I have 2 separate case numbers ( XXXX, XXXX ) which is evidence that this issue is constantly recurring without being solved. 

No alternative method of accessing my account or credit information ( such as mail or phone access ) has been offered. I can not even email them from the email registered on my account because they do not provide an email address to contact them. Which could have been a quick fix for this VERY simple issue. 

As a result, I am effectively locked out of my account and denied access to my credit report and personal data. The companys systems appear inadequate and dysfunctional, and their failure to provide a reasonable alternative means of access prevents me from exercising my federally protected rights. I should NOT be required to " create an account '' to access MY PERSONAL INFORMATION AND MY DATA .............. IT IS MINE AFTER ALL, NOBODY ELSES. 

I am requesting that TRANSUNION be required to : Provide me with reasonable and functional access to my credit information, including the ability to lift/remove any credit freezes, and correct any system or customer service failures that are preventing consumer access. 

This ongoing denial of access has caused unnecessary frustration and IS preventing me from monitoring or disputing information in my credit file.

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 2025-12-24 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: KS

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-24 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: TX

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

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 2025-12-24 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
They approved your loan knowing the car wasn't working. 
I told Every time the tires was flat and the motor failed They doesnt hear me and put the loan The car failed completely and never turn on So I call them again and they continue reporting to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
I discovered that multiple inaccurate, adverse, and unverifiable tradelines and inquiries were being reported on my consumer credit file by XXXX or more nationwide consumer reporting agencies despite my personal identifying information having been compromised. 

After learning of the data compromise, I am sending a formal written dispute and notice of data compromise demanding deletion or blocking of all items that could not be lawfully verified using untainted identifiers. In that notice, I specifically invoke the consumer reporting agencys duties under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and supporting identity documentation, the consumer reporting agency continued to report numerous negative tradelines and inquiries without providing a lawful method of verification, original source documentation, or evidence of a manual reinvestigation. Instead, the agency relied on automated or boilerplate responses, which do not satisfy the Fair Credit Reporting Act or CFPB guidance regarding reasonable investigations. 

Because the reporting agencys own systems rely on personal identifiers that were compromised, any claim that the reported data is accurate or properly verified is unreliable. Continuing to publish this information has caused ongoing credit harm, denials, and financial injury. 

In short, the consumer reporting agency failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after notice of dispute, and Block or delete unverifiable information tied to compromised identifiers, in direct violation of federal 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 2025-12-24 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: NC

Complaint narrative:
I discovered that multiple inaccurate, adverse, and unverifiable tradelines and inquiries were being reported on my consumer credit file by XXXX or more nationwide consumer reporting agencies despite my personal identifying information having been compromised. 

After learning of the data compromise, I am sending a formal written dispute and notice of data compromise demanding deletion or blocking of all items that could not be lawfully verified using untainted identifiers. In that notice, I specifically invoke the consumer reporting agencys duties under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ), and 15 U.S.C. 1681c-2 ( blocking of identity-theft-related information ). 

Despite receiving this notice and supporting identity documentation, the consumer reporting agency continued to report numerous negative tradelines and inquiries without providing a lawful method of verification, original source documentation, or evidence of a manual reinvestigation. Instead, the agency relied on automated or boilerplate responses, which do not satisfy the Fair Credit Reporting Act or CFPB guidance regarding reasonable investigations. 

Because the reporting agencys own systems rely on personal identifiers that were compromised, any claim that the reported data is accurate or properly verified is unreliable. Continuing to publish this information has caused ongoing credit harm, denials, and financial injury. 

In short, the consumer reporting agency failed to : Maintain maximum possible accuracy, Conduct a reasonable reinvestigation after notice of dispute, and Block or delete unverifiable information tied to compromised identifiers, in direct violation of federal 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 2025-12-24 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:
Please review the materials submitted ; the inquiries were unexpected and could be unauthorized.

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 2025-12-24 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: PA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I spoke with the company a week ago- they hae called and left messages XXXX or more times and again today ( on XXXX XXXX ) I spoke with them saying I was having a hardship and they wanted to know if I could pay a half installment and I said I had no money. They told me ut was unacceptable to wait until my retirement came in to pay it, but that is what I have to wait in to pay it. When I told her I had already spoken to someone at Onemain about my hardship, that they had called multiple times a day, multiple days a week, and that it bordered in harassment, she said they would have to continue calling because that was their job, until a payment was made. Her name was XXXX at Onemain in XXXX Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I submitted XXXX paperwork XX/XX/year> using paystubs from XX/XX/year>. I got a letter saying it would take 90 business days for my request to be processed. I received a letter toay XX/XX/year> saying that my request was denied due to not using eligible pay verification. I called today and at XXXX XXXX  was able to speak with a representative who confirmed my pay documents were eligible and it was a mistake by MOHELA. The representative said they will submit a request for reprocessing but they have no estimation of how long it will take and could not send me any verification or documentation of this request for reprocessing. I have been waiting for about 5 months and have been unable to pay my student loans while interest is still accruing.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation