vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am writing to express my profound dissatisfaction with the service I received at your dealership from the sales manager, XXXX XXXX. My experience was exceptionally concerning, especially given my history of purchasing three XXXX vehicles previously. 

Upon my visit, I presented a XXXX  XXXX for trade-in and provided my credit scores, which were XXXX across two reports and XXXX on a third due to a single account. XXXX XXXX, however, asserted my credit score was XXXX. As a debt collector with 27 years of experience, I am adept at interpreting credit reports and promptly presented my official reports from the credit bureaus. XXXX XXXX 's response was to dismiss the relevance of credit reports, stating they are " just for advertising. '' The attached photo of my collection account for {$200.00} further illustrates the discrepancy. 

Our discussion then shifted to payment and interest rates. My current interest rate is 6.25 %, yet I was quoted 13 %. When I calculated the total cost over 72 months for a {$33000.00} vehicle, factoring in my trade and rebates, the amount totaled {$49000.00}. At 13 % interest, the total interest would be {$6300.00}, bringing the overall cost to {$55000.00}, with a monthly payment of {$760.00}. XXXX XXXX then presented a proposal for a {$2000.00} down payment and a monthly payment of {$990.00}. When I inquired about the derivation of these figures, his explanations were inconsistent and led me to believe the dealership might be engaging in predatory lending practices. At one point, he instructed me to " stop looking at your calculator '' and simply listen to him. 

Subsequently, the finance manager was called over. When I asked him to provide the details of his current loan, the calculations I performed demonstrated that his math was accurate, which appeared to surprise him. Shortly thereafter, XXXX XXXX stated he was going to lunch and did not return. Had I accepted the proposed payment of {$990.00} per month for 72 months, the total cost for a {$33000.00} car would have been {$71000.00}, which is egregious. 

I intend to file formal complaints with the XXXX XXXX XXXX, the Federal Trade Commission, the Georgia Attorney General 's office, and the Consumer Financial Protection Bureau regarding these practices. I believe it is imperative that action be taken to prevent other consumers from being subjected to such deceptive tactics. It is my firm belief that consumers should be wary when asked, " How much can you pay a month? '' as this can be a tactic to obscure the true cost of a vehicle. I strongly advise against conducting any business with this company.

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 2025-07-17 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: FL

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
A local dentist charged for services not utilized & refused to give a refund. States im not entitled to one!

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 2025-07-17 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
Subject : Formal Dispute of Fraudulent Accounts Under FCRA and Relevant Penal Codes To Whom It May Concern, I am writing to formally dispute fraudulent and unauthorized accounts that appear on my credit report. These accounts were opened without my knowledge or consent and are a direct violation of my rights under federal and state law. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to accurate and fair credit reporting. Any account or inquiry placed on my report that is the result of identity theft or fraud must be thoroughly investigated and, if found invalid, removed immediately.

Furthermore, under FCRA 616 and 617, credit reporting agencies that willfully or negligently fail to comply with the law may be liable for actual damages, punitive damages, and attorneys fees. It is also noted that : For each incorrect or fraudulent account on my report, the responsible parties may be subject to a fine of up to {$1000.00} per violation, in addition to any civil or criminal penalties applicable under state and federal penal codes. 

In addition, many state penal codes ( such as California Penal Code 530.5 and equivalents in other states ) consider the unauthorized use of personal identifying information a criminal offensepunishable by law.

I did not authorize or open the following accounts appearing on my report : XXXX XXXX XXXX XXXX I am requesting the immediate removal of these accounts and a full re-investigation of any related entries. 

Please confirm in writing that you have received this dispute and that you are investigating it per the timelines set forth under FCRA ( generally 30 days ). 

Failure to act in accordance with the law will leave me no choice but to file complaints with the Consumer, Federal Trade Commission ( FTC ), and pursue legal action for non-compliance and damages. 

Sincerely, 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
XXXX I was alerted through email that I had XXXX negative accounts on my credit report with Experian. 
XXXX Checked other XXXX credit reporting agencies- there was not any negative accounts reporting. 
XXXX called XXXX XXXX customer service- gave personal information and they could not located an account with my credentials. 
XXXX Checked studentaid.gov- could not located any accounts that were open or reporting negative balances. 
XXXX opened a dispute with experian- disputed the XXXX negative accounts, as they do not exist under my credentials. Error in reporting. 
XXXX disputed was answered with the accounts will remain on my credit report. Not enough information to change. 
XXXX called XXXX and got aidvantage to send documentation that all accounts are paid in full and closed. Printed documentation from XXXX that stated all accounts were paid in full and closed. 
XXXX called Experian to talk with a dispute specialist-Dispute XXXX stated that I need to dispute the account when I received all the above paperwork from XXXX and aidvantage XXXX 
XXXX Opened XXXX dispute with Experian and submitted XXXX documents stating that there was no accounts with my credentials that are open or negative- all accounts with my credentials have been paid in full and are closed. 
XXXX Experian sent an email stating that they have received my documentation that I submitted on the website. 
XX/XX/year> Experian sent an email stating that the dispute was under review. 
XXXX Disputed were completed with the status that the accounts will remain on my credit report. To contact the funisher. 
XXXX contacted XXXX XXXX and again no record of an account open or negative with my credentials. 
XXXX Called Dispute Specialist with Experian- Opened another dispute with the specialist on the phone stating these are not my accounts. 
XXXX start a formal complaint.

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 2025-07-17 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-17 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally notify you that you are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ). I previously submitted an identity theft dispute regarding a Discover account fraudulently opened in my name. The account and its associated negative information were removed following a CFPB complaint.

However, you have re-reported this account and have now reported two late payments, causing my credit score to fall from XXXX  to XXXX, despite this being a known identity theft case.

Under FCRA 611 ( a ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the furnisher must : 1. Certify the accuracy of the information, and 2. Notify the consumer in writing within five business days of the reinsertion. 

To date, I have received no such notification. 

I am requesting the following : Immediate permanent deletion of the fraudulent Discover account and all associated payment history A written confirmation that this will not be re-reported again Notification sent to all three credit bureaus to correct my report If I do not receive confirmation within XXXX business days, I will proceed with filing a legal complaint with the FTC, state attorney general, and explore civil remedies under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For an entire week from XX/XX/XXXX XXXX present day XX/XX/year> I've been trying to access Experian 's site via android phone. I'm already a free member and each time I try I follow their instructions to verify my identity by giving them the 1. Last 4 digits of my SS # and 2. My cell phone #.

Upon giving them the above, they are " supposed to send me a text to my phone # '' BUT THEY NEVER DO!!! I've tried over XXXX TIMES to receive the text but IT NEVER WORKS! 
I've also tried calling them at a phone # that's supposed to take me to a LIVE CUSTOMER AGENT BUT THERE IS NO SUCH AGENT!! 
I WANT TO SUE THEM FOR ALL THE ABOVE!! 
I am literally UNABLE TO CONTACT EXPERIAN irregardless of what I do! 
Please help me! 
Thank you very much. 
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 2025-07-17 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: A-1 Premium Acceptance, Inc.
State: MO

Complaint narrative:
I applied for a loan on XXXX. Due to the holiday I was told the funds would be deposited on XXXX. As such I have been calling daily to see why my funds haven't been deposited and the customer service reps state the funding department is in a different location and they will not respond to them by email to give them updates on when the funds will be released. So I am getting messages stating the payment will be due on tomorrow XXXX, so I signed a revoke form so no payments will come out sense I haven't been funded. I even sent a email with no response back on when the funds will be funded. I have the loan agreement and revoke form and other correspondence as proof of this loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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