vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a lease-end charge issued by Volvo Car Financial Services ( VCFS ), which I believe is both unfair and poorly communicated.

Upon returning my leased vehicle, I was billed a total amount of {$3200.00}. Part of this amount includes a charge for a protection product that should not exceed {$150.00}, but I was billed {$260.00} an unexplained {$110.00} overcharge.

I followed all instructions provided to me by both VCFS representatives and the dealership at the time of return. At no point was I informed that I had to submit proof of the protection plan before returning the vehicle- though it shouldn't be necessary, since it's already accessible online. This requirement was never stated in writing, nor was it communicated clearly by phone or email. I even sent a certified letter with a copy of my valid protection coverage ( valid through XX/XX/year> ), but my concerns were dismissed without a proper explanation. 
Every vehicle typically comes with a protection plan so why would the same people who ask Would you like a protection plan? when selling the car not ask Do you have a protection plan? when the vehicle is returned? Moreover, theres no need to ask about the plan at all every time I took the car to service, the protection plan was visible in their online system. When the dealership accepted the return of my vehicle, they should have either checked whether I had a protection plan, asked me directly, or simply looked it up online themselves. 

VCFS now claims they are not responsible for any guidance or communication provided by the dealership and that dealership employees are not their agents leaving customers like me caught in the middle without accountability from either party. 

I am requesting that this charge be reviewed and adjusted fairly, and that I be provided with a transparent explanation of the {$110.00} discrepancy. 

Resolution Requested : Review and revise the unfair charge in the termination lease invoice, and provide a full explanation of the {$260.00} overcharge. If applicable, remove any incorrect fees under my premium coverage plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Hi my name is XXXX XXXX. I am submitting this complain to Experian. I recently reviewed a copy of my credit report and noticed that I had some fraudulent activity. These accounts, names, addresses, and inquiries are hurting my ability to obtain credit.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I paid my XXXX XXXX XXXX Bank ) account in full, bringing the balance to {$0.00}. I stopped using the card and assumed the account was settled. However, an unexpected charge of {$2.00} appeared in the following billing cycle without any notice to me. 

By XX/XX/XXXX, I received calls claiming I had a late payment on this {$2.00} balance. I immediately paid the amount once I was made aware. Despite this, a negative mark was added to my credit report. 

This situation is incredibly unfair and damaging over such a small balance that I had no knowledge of especially after paying the account to {$0.00} and ceasing all usage. I requested a goodwill adjustment which was denied. 

I am asking for this negative remark to be removed. It does not reflect any pattern of irresponsible behavior and punishes me for what appears to be a system issue or poor communication from the creditor.

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 2025-06-11 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: CL Holdings LLC
State: MD

Complaint narrative:
I was served a judgement by Jefferson Capital Systems , LLC. I started to pay them out of fear of garnishment to my wages but on closer look I've never gotten anything establishing the debt I own. 

This truth alone was very concerning, which why I'm filing this complaint today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: 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 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 2025-06-11 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: MO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: VA

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 2025-06-11 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:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX. 
DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
DEPTEDXXXX XXXX XXXX XXXX  XXXX XXXX. 
DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
In 2020 Nissan motors acceptance sold my account to XXXX XXXX XXXX XXXX presently XXXX XXXX is requesting that their trade line be deleted from my account yet Nissan motors acceptance is still reporting this to the credit bureaus after selling my account to XXXX XXXX XXXX XXXX which is direct violation of the Fair credit reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay.

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-06-11 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: NJ

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay.

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

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 2025-06-11 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} SXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
A debt of {$510.00} through Portfolio Recovery was opened on XX/XX/year>. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete the account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX and reflected on my report with XXXX  XXXX XXXX. The account is identified as account number XXXX. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 

I submitted a formal dispute with XXXX  XXXX XXXX, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 

Despite my dispute, XXXX  XXXX XXXX responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like XXXX XXXX XXXX XXXX XXXX. 

Additionally, the actions of XXXX  XXXX XXXX and XXXX  XXXX constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: TN

Complaint narrative:
I have leased a new XXXX XXXX from XXXX XXXX XXXX XXXX, Tn I got the car in XX/XX/year> and it was full of trouble from day XXXX, But in XX/XX/year> the car became undrivable as it needing parts to repair and after about 3 months of following up, I was told the XXXX do not and XXXX not have the part for date unkown and there is nothing that can be done about it, As I have leased the car by XXXX XXXX XXXX that owns XXXX too XXXX I have called XXXX XXXX XXXX and asked if could have a deffered or sopt my payments for a month or XXXX since their car is undrivable since XXXX months and for a date unknown, but they have rejected my requist and force me to pay a their lease for their car that they can not repair. 
This does not make any sense because it is their fault that the car can not be repaired.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am the primary borrower on a motorcycle loan with Synchrony Bank. My son co-signed the loan and later filed for bankruptcy, which I believe was finalized at the end of XX/XX/year>. I did not file for bankruptcy and had no intention of defaulting on the loan. 

I made the XX/XX/year> payment as usual. When I attempted to make the XXXX payment, I was unable to do so either through the website or by phone. I tried calling the number provided but was unsuccessful. On or around XX/XX/XXXX, I finally reached a representative and was informed that the account had been charged off due to my sons bankruptcy even though I was the primary borrower and not bankrupt or delinquent. 

I spoke to a XXXX bankruptcy XXXX on XX/XX/XXXX, who said she could submit a request to determine the fair market value of the motorcycle. On XX/XX/XXXX, I received a verbal valuation of {$6900.00}, but XXXX refused to provide anything in writing. I was told the only option was to send physical checks and call them for manual balance updates. I asked repeatedly for written settlement terms or a reinstatement path, and was denied. 

Initially, I was considering voluntarily surrendering the vehicle because my credit report still showed the account only as closed, with no change to my score. However, in early XXXX, I noticed my XXXX XXXX had dropped nearly XXXX points due to the charge-off, which was incorrectly applied to my credit history, despite my repeated efforts to pay.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company accepted a payment and withdrew my money from my bank account and chose to hold the payment instead of applying it to my balance resulting in the use of the card being denied.

They said the reason they did not apply the payment was that the amount was large. The payment was for {$2000.00} which was similar to the amount of the balance on the account.

The Citibank company failed to notify me that they were holding my money and not applying it to my account.

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