vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunnova Energy Corporation
State: AZ

Complaint narrative:
I purchased a solar lease through XXXX in 2020. They recently sold off all assests to Sun Strong. They are impossible to get a hold of, don't respond to emails, and are generally bad. I need to find out how to get out of this lease, so I can sell my home.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I entered into a retail installment contract with Credit Acceptance Corporation on XX/XX/XXXX, for a used XXXX XXXX XXXX ( VIN : XXXX, Account # XXXX ) purchased from XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX The contract disclosed an APR of 22.99 %, which exceeds XXXX XXXXs civil usury limit of 16 % under XXXX. XXXX, making the loan potentially unenforceable and predatory. The financed amount was {$16000.00} after a {$4500.00} down payment, with 66 monthly payments of {$430.00}, totaling {$33000.00} including {$12000.00} in finance charges. The loan bundled an optional Vehicle Service Contract for {$2900.00} with limited coverage on a high-mileage ( XXXX miles ) vehicle, inflating the cost without regard to my ability to repay. 

I made payments as required initially, but the high interest and structure set me up for failure, similar to patterns in CFPBs XXXX lawsuit against Credit Acceptance ( CFPB Docket No. XXXX ) for hiding costs and deceptive subprime lending. 0 The contract included a GPS/starter interruption device, enabling remote disablement, which pressured payments unfairly. In XXXX, the vehicle was repossessed despite my efforts to stay current, sold at auction, and I received a deficiency notice for the remaining balance. Credit Acceptance has continued reporting this as a repossession/charge-off on my credit reports inaccurately ( e.g., showing ongoing activity post-sale ), damaging my credit even after multiple disputes with bureaus. 

This aligns with Credit Acceptances alleged practices of approving loans without affordability checks, leading to high default rates and repossessions, as noted in the XXXX  XXXX and CFPB suit where borrowers faced unaffordable payments and vehicle losses. 4 Ive attached the contract pages showing the usurious rate and terms.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Product : Debt collection Issue : Attempt to collect debt not owed / Incorrect information on account Company : Aldous & Associates ( on behalf of XXXX XXXX  ) Complaint Narrative : I am disputing an alleged debt being collected by Aldous & Associates on behalf of Amped Fitness ( Account XXXX XXXXXXXX ). I do not owe this debt. 

I never signed a membership agreement, never used XXXX XXXX services, and never authorized the creation of this account. The account originated from material misrepresentation by an XXXX XXXX employee who falsely stated that a {$1.00} fee would only hold a spot and did not constitute enrollment. 

XXXX XXXX management later reviewed the account multiple times and confirmed it was improperly created. The account was canceled, and I was explicitly informed that the balance was {$0.00}. I have written cancellation documentation reflecting a XXXX balance, which was later reprinted and confirmed again by XXXX XXXX staff. 

Despite this, Aldous & Associates is attempting to collect an invalid and unenforceable debt. I have formally disputed the debt in writing and requested cessation of collection activity. Continued collection efforts on a debt that is not legally owed are improper and potentially violate the Fair Debt Collection Practices Act. 

I am requesting that this matter be investigated and that all collection activity stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that appear on my credit report. These accounts are incorrect and I request a thorough investigation and removal of inaccurate entries. The details for each bureau are as follows : Charged Off 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 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 non-monetary relief
Consumer complaint received 2025-12-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 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: LA

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate :

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of XXXX  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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I disputed an alleged debt reported by Midland Credit Management and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). Midland responded by stating the debt was verified, but failed to provide proper documentation required by law.

Midland did not provide : A copy of the original signed agreement Proof of ownership or chain of title A complete accounting of the balance Simply stating that a debt is verified does not meet FDCPA validation standards. Despite this failure, Midland continues to report the account to credit reporting agencies, which I believe is inaccurate and unverifiable reporting in violation of the Fair Credit Reporting Act ( FCRA ).

I am requesting that Midland Credit Management either provide full, lawful validation or remove the account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that Synchrony Bank is furnishing regarding the following account. This letter constitutes a direct dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), and applicable XXXX XXXX reporting standards .

Disputed Account Information Creditor : SYNCB / PPC ( Synchrony Bank ) Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$6400.00} The late payment and delinquency information being reported for this account is inconsistent with the reported balance and account status and appears inaccurate or unverifiable. The reporting may violate XXXX XXXX guidelines governing accurate account status reporting, delinquency progression, and payment history continuity. 

Specifically, the reported delinquency codes do not appear to properly reflect the actual payment behavior or status of the account. Furnishing inaccurate, incomplete, or unverifiable information fails to meet XXXX XXXX standards and may constitute a violation of the FCRA.

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 2025-12-16 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A vehicle I was a co-owner/debtor was repossessed and sold in XX/XX/XXXX by Capital One Auto Finance XXXX account XXXX XXXX. I never received the required explanation of deficiency calculation, including sale proceeds minus owed amount and fees, as mandated by law. I requested this information several times until they finally sent it XX/XX/XXXX. 
Despite the original deficiency of {$12000.00} being charged off, Capital One Auto finance reported an additional {$9800.00} + balance on my credit report on XX/XX/XXXX, which is inaccurate and violates FCRA reporting rules. I want Capital One Auto Finance to remove this entry immediately and send me proof of compliance within 30 days. Enclosed : Explanation of Calculation of Deficiency letter and what is reported on. Failure to investigate violates my rights. I have already been declined for home/auto loans, credit lines/increases and charged higher interest because of this fraudulent auto loan balance reported to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am submitting this complaint regarding a fraudulent open account that is currently appearing on my Equifax credit report as a result of identity theft. This account was opened without my knowledge, authorization, or consent. I did not apply for, authorize, use, or benefit from this account, and I have never had a legitimate contractual relationship with the creditor associated with it. 

" XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX '' Both opened on XX/XX/year> Equifax is reporting inaccurate and unlawful information on my consumer credit report, causing damage to my credit profile, financial standing, and emotional well-being.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Equifax has a statutory duty to ensure the maximum possible accuracy of the information it reports. Specifically : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) requires Equifax to conduct a reasonable reinvestigation of disputed information and delete or correct information that is inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681c-2 requires Equifax to block the reporting of information resulting from identity theft once the consumer has notified the credit reporting agency and provided appropriate documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) prohibits reinsertion of deleted information unless strict certification requirements are met.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, provides additional protections to victims of identity theft, including the right to have fraudulent accounts promptly removed and blocked from future reporting.

Identity theft is a federal crime under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). Continued reporting of an account known to be the result of identity theft after notice constitutes noncompliance with federal law.

Furthermore, Equifaxs failure to properly block or remove this fraudulent account after notice may constitute an unfair act or practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

I have taken reasonable steps to notify Equifax of this identity theft and to dispute the account. Despite this, the account continues to appear as open on my Equifax credit report.

Attached along with evidence of these accounts appearing on my report you will see my data was also compromised during the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
we lost our wallet and money in XXXX and friends on the trip loaned us money. we tried to pay them back through cashapp .. cashapp blocked the transaction because i put XXXX  XXXX the notes. then they froze my account and are holding my bitcoin and cash in the app .. they wont release my account. i have answered there questions but they continue to keep ask the same thing in repeated emails see attached emails traffic

Company response to consumer: Closed with explanation