vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
I am filing a complaint regarding deceptive and coercive conduct related to an auto purchase and financing. 

I purchased a vehicle from XXXX XXXX XXXX of XXXX on XX/XX/year> and took delivery under a signed retail installment sales contract. After delivery, I disputed the inclusion of optional add-on products ( a service contract for {$1700.00} and maintenance plan for {$1000.00} ) that I did not intend to purchase and requested cancellation. I was also disputing a military rebate discrepancy of {$500.00} ( only applied {$500.00} of the advertised {$1000.00} ). 

I coordinated with the dealership in writing to return a dealer plate and receive temporary registration only on XX/XX/year>. On the scheduled visit, while I was inside the dealership and away from my vehicle, the dealership removed the dealer plate without informing me or issuing temporary registration. 

The finance manager then approached me and stated that I did not own the vehicle, claimed the contract was void/cancelled and not submitted to the lender, and refused to issue temporary registration unless I immediately re-signed a new contract. No copy of any revised contract was provided for review. I was told re-signing was required to proceed.

During this interaction, the finance manager threatened to call the police if I did not comply. As I was leaving, he briefly showed me a document he claimed indicated the deal was denied by XXXX, but the document was not provided to me, and I was not allowed to review or retain a copy.

Because the dealer plate had been removed and no temporary tag was issued, I refused to drive an unregistered vehicle and arranged transportation off the property. After leaving, I received app notifications indicating the dealership accessed/unlocked the vehicle.

I believe this conduct constitutes unfair, deceptive, and abusive acts related to auto financing, including coercive pressure to re-sign a contract, misrepresentation of ownership status, and interference with lawful vehicle registration. I am requesting CFPB review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I stayed that I already paid off this XXXX  account and equipment in XXXX  and I paid final payment and returned equipment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
XXXX XXXX Reported : XXXX XXXX, XXXX {$4300.00} Closed Overview You have 100 % left to pay on this loan. Balance {$4300.00} Highest Balance No Info XXXX  XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$500.00} Closed Overview You have 100 % left to pay on this loan. Balance {$500.00} Highest Balance No Info XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You have 0 % left to pay on this loan. Balance {$0.00} Highest Balance {$990.00} XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Overview You have 0 % left to pay on this loan. Balance {$0.00} Highest Balance {$120.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$0.00} Closed Overview You have 0 % left to pay on this loan. Balance {$0.00} Highest Balance {$720.00}

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 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
This is my XXXX attempt to submit this complaint. My original submission was on XXXX. 

I am a victim of illegal debt collection and credit reporting practices by Columbia Debt Recovery, LLC ( dba Genesis ). They are attempting to collect a debt for a lease that was the subject of an eviction lawsuit in XXXX XXXX XXXX ( Case # XXXX ). That case was DISMISSED and SEALED by the Court on XX/XX/year>. The Court did not award any monetary judgment. 

On XX/XX/year>, I emailed Genesis 's compliance department proof of the dismissal and a letter from my attorney, XXXX XXXX, XXXX, explaining that the charges ( legal fees/penalties ) are void under Colorado Law ( C.R.S. 38-12-801 ). 

Despite having proof that the debt is invalid and legally void, Genesis willfully reported this derogatory item to XXXX  in XX/XX/year>. This violates the FCRA ( furnishing inaccurate info ) and the FDCPA/Colorado FDCPA ( misrepresenting the legal status of a debt ). I have demanded they delete this item immediately and compensate me financially for their willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Colorado Fair Debt Collection Practices Act ( CFDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
To : The Consumer Financial Protection Bureau And The Federal Trade Commission From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  This is a Report of Unethical Information Technology Practices With US Bank, Who Has Provided A Poor Quality Customer Service Experience Inundated With Intermittent Information Technology Accessibility For Banking Services Such As XXXX, Internal Account Transfers With XXXX  Amount Thresholds Which Promotes Negative Balances, Menu Options And Accessibility That Is Innundated With Incoherent Intermittence, And The Deliberate Disenfranchisement Of The Ability To Reinstate Overdraft Opportunities with the use of The US Bank Debit Card. 

In Simple Terminology, The Intermittent Provisioning of US Bank Products And Services, With The Use Of Information Technology on Their Online Banking And Mobile App, Are Racial Discrimination Practices That Are Deliberately Targeted To The XXXX XXXX  Community. 

Currently, my account is Overdrafted less than {$50.00}. There is a XXXX XXXX XXXX XXXX And I Need Accessibility For Overdraft On The US Bank Debit Card, To Purchase Food. 

Thanks and have a great day. 

XXXX XXXX XXXX XXXXXXXX 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 2025-12-29 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: MO

Complaint narrative:
Could you double-check this entry? I wrote it late and it might be incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: VA

Complaint narrative:
Today, XX/XX/year> Starting on XX/XX/year>, my XXXX XXXX XXXX daughter, XXXX was playing on my cell phone. XXXX was to use Cash App to pay for any money needed to play her games. Well, my Cash App had NO MONEY ON account. NONE!!! XXXX did not know there was no money. XXXX was clicking on the Cash App button to pay for her games. XXXX was hitting on that button, no money, but and the transaction went through. How did it go through??? The money coming out of my attached checking account. Unfortunately, there was no money in the checking account either. Those transaction overdrew my account, {$240.00}. I informed Cash App and they did not do anything but close my account. XXXX, where the games are played on said it was Cash App doing, so I would have to go through XXXX XXXX 

Attached are the transactions and overdraft fees of {$25.00}, for each of them. 

Please help me recover my {$240.00}. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
This complaint is not a duplicate of any prior CFPB submission. A previous complaint was closed due to automated duplication based on issue selection and reference to a related company ; however, this complaint concerns a separate and specific violation involving Jefferson Capitals reinsertion of a debt that has not been reviewed on its merits.

Jefferson Capital reinserted a previously disputed debt on my credit report without providing required notice and with inconsistent and inaccurate reporting dates.

Specifically, the account was removed following a dispute and later reappeared with materially different dates, including changes to the reported open date, balance status, and/or date of first delinquency. These inconsistencies indicate that the account was not accurately verified prior to reinsertion.

I was not provided written notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ). Additionally, Jefferson Capital has failed to provide documentation demonstrating that the debt was properly verified before being reinserted. 

The reinsertion and inconsistent date reporting are causing ongoing harm by inaccurately representing the status and history of this alleged debt and negatively affecting my credit profile.

I am requesting that Jefferson Capital : 1. Provide proof of lawful reinsertion, including documentation of verification prior to reinsertion 2. Correct all inaccurate reporting dates, or XXXX. Permanently delete the account if accurate verification can not be produced

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
After carefully reviewing my Experian consumer credit report, I identified multiple accounts that were being collected, maintained, and reported without my written authorization and without any lawful or permissible purpose. At no time did I provide Experian with verbal or written instructions to include these accounts on my credit file. Despite this lack of authorization, Experian continues to report the accounts and disclose my personal consumer information to third parties. I submitted formal disputes to Experian requesting a reinvestigation and specifically asked for proof of written authorization or other documentation establishing a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Experian failed to provide any written authorization, validation, or competent evidence demonstrating that these accounts were reported lawfully or accurately. In addition, several of the disputed accounts reflect inflated balances, high balances, and charge-off amounts that include improper, excessive, or unauthorized fees, resulting in materially inaccurate and misleading reporting. By continuing to publish this information without verification or correction, Experian has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and has furnished consumer reports without a permissible purpose in violation of 15 U.S.C. 1681b. These reporting errors have negatively affected my credit profile and exposed me to ongoing financial harm.

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 2025-12-29 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: IL

Complaint narrative:
To whom it may concern Subject : Demand for Immediate Deletion from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following entries to be deleted : - XXXX XXXX - opened XX/XX/year> - account no : XXXX - XXXX XXXX XXXX - opened XX/XX/year> - account no : XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/year> - account no : XXXX - XXXX XXXX XXXX XXXX opened XX/XX/year> - account no. XXXX I assert that these entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

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 2025-12-29 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: MS

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 2025-12-29 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: AR

Complaint narrative:
I am a consumer working to resolve inaccuracies and disputes on my credit report. Below are the accounts I am disputing, separated by each bureau. 

Charged Off Accounts : XXXXXXXX XXXX XXXX/, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} Inquiries : XXXXXXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an Amex gift card that keeps getting declined anywhere even though the balance is {$150.00}. Ive tried to use it multiple places and its ridiculous already I would just like to use the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding inaccurate and potentially outdated information being reported by Equifax on my credit file. I am requesting that the Consumer Financial Protection Bureau assist in ensuring Equifax conducts a proper investigation and updates or removes any information that can not be verified in full compliance with the Fair Credit Reporting Act ( FCRA ). 

1. Charged-Off Accounts in Dispute XXXX, Account ending XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$28000.00} XXXX, Account ending XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$4700.00} XXXX, Account ending XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$0.00} I am disputing the accuracy and completeness of these charged-off accounts. The reported dates and balances appear inconsistent with my records and may reflect obsolete or unverifiable information. Please verify each item with the original creditor or remove it from my file if it can not be substantiated. 

2. Late Payments in Dispute XXXX, Account ending XXXXXXXX XXXX XXXX XXXX  XXXX, Account ending XXXXXXXX XXXX XXXX XXXXXXXX, Account ending XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX, Account ending XXXXXXXX XXXX XXXX I am requesting that Equifax re-investigate these accounts to confirm whether the late payment history being reported is accurate and verifiable. If not, please update the records accordingly. 

3. Previous Address XXXX XXXX XXXX, XXXX, NY XXXX I am requesting this outdated address be removed from my Equifax file as it is no longer valid or associated with my current accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-29 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:
I am writing to express my concern regarding the accuracy of the personal information associated with my account/profile. Upon recent review, I discovered several discrepancies that are deeply troubling and require immediate correction. This situation has left me feeling devastated, as it appears that unauthorized activity may be affecting my credit profile. Given the importance of maintaining accurate and secure records, I respectfully request that these inaccuracies be investigated and removed as soon as possible. Your prompt attention and cooperation in resolving this matter would be sincerely appreciated.

Company response to consumer: Closed with explanation