vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
My used car loan is with AutoNation Finance. I have had issues with payment amounts made for past XXXX months not having extra payments applied towards principal that should have reduced my loan balance thereby also reducing the monthly interest charges paid each month. For example, I would pay on average {$500.00} each month give or take when the balance due was {$410.00} meaning an additional {$83.00} dollars should have been applied towards principal loan balance. I noticed when I looked online that the amount applied towards interest and principal swung back and forth in some cases which did not make sense. This prompted me to call AutoNation Finance to understand what was going on. I also requested an online payoff quote and realized the number given did not reflect the roughly {$720.00} principal that should have been paid down. I called them over XXXX times over a XXXX month period to resolve the problem. At first they said they would research and do an account reconciliation and get back to me with the results. I talked to XXXX supervisors each promising results and promising to call me back. Not a single supervisor ever returned my call or made promised call backs. The frontline associates just kept saying that I had to have called in to specifically apply extra payments to principal. I stated that there was nowhere on monthly payment coupon or in finance paperwork explaining this fact. They said that they could not give me credit for the extra amount paid towards principal and that the extra payment amounts of {$720.00} were just pushed forward as credits for future payments due. The monthly payment coupon just shows the minimum amount due of {$410.00} and does not show total balance or how previous payments were applied towards principal or interest. There is no way for a borrower to know how payments were treated. AutoNation Finance has beyond the worst customer service I have experienced. You can request the recorded calls of around XXXX calls or more and hear for yourself. I imagine they have a practice of not making it easy to pay down principal on an auto loan, so they cans extend the life of the loan for thousands of borrowers just like me. In addition they charge unnecessary junk fees to make payment over the phone or online. Please help me have the principal of {$720.00} applied towards the balance of my loan and credit excess interest charged over the past XXXX months due to principal balance not being reduced. 

Please help me and others not treated fairly by AutoNation Finance to get the fair treatment we deserve. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: DE

Complaint narrative:
I sent {$800.00} in XXXX on XX/XX/year> to my account. The XXXX exchange received the funds and showed as pending. The transfer was then cancelled and the funds were not sent back to the originating account as stated by their customer service. This action of returning the funds would have created a transaction ID/hash that they could easily give me to prove that the funds were returned. I received neither the funds nor the transaction hash because they never sent the money back as promised. I was able to trace the money on the blockchain showing they they still have the funds. They have effectively stolen {$800.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of the XXXX charge-off account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears on my credit file. After reviewing my records and correspondence with XXXX, I confirmed that this account was paid and closed yet it is still being inaccurately reported as a charge-off with a {$0.00} balance owed. 
This entry is not only misleading but also violates several provisions under the Fair Credit Reporting Act ( FCRA ) designed to protect consumers from inaccurate or incomplete data. 
Under FCRA 602 ( A ), Congress clearly states that inaccurate or misleading credit reporting undermines public confidence and causes unjust harm to consumers. Reporting an account as a charge-off when it carries no outstanding balance is inherently misleading, as it falsely implies that I failed to meet my financial obligations. 
Additionally, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report information with complete accuracy and prohibits the reporting of data known to be false or incomplete. By continuing to report a charge-off status despite a zero balance, the furnisher is in violation of this statute.

Furthermore, FCRA 607 ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Maintaining this false charge-off record demonstrates that proper verification procedures were not followed. Lastly, FCRA 611 ( a ) gives me, as a consumer, the right to dispute and demand the deletion of unverifiable or inaccurate accounts. 
This inaccurate charge-off has caused unnecessary harm to my creditworthiness, affecting my ability to secure fair lending and housing opportunities. Since this account no longer meets the definition of a valid charge-off,

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 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I applied thru a lending market for a personal loan. Willow lake lending offered a loan. I didn't get Apr or details until after I was approved and had to give bank info to get money. After I got contract and found initial over 600 % apr.

I made 1 payment and had it auto debit.

Following week they tried to charge my card but I had no money. I called bank to stop payment and revoke ach.

Willow called me to get payment and I told them it would be another 2 weeks. They automatically " closed '' account and sent me to in house collection for amount. 
They gave me XXXX. I owe over XXXX. I was able to make only 1 payment before collections. 
I researched the company more and they're based out of South dakota on a tribal reservation. 
It's a tribal loan. Which is illegal in GA. 
They won't leave me alone and the amount seems to become more than I was given due to the insane interest

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HOPE BANCORP, INC.
State: TX

Complaint narrative:
Bank of Hope closed my account a few months back. I had somewhere in between $ XXXX in that checking account at the time of closure. However ; I never received a cashier 's check with my remaining funds. I contacted Bank of Hope multiples time only to be ignored. I need my money and I submitting this complaint in hope to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
Misleading information under Section 605B and Section 611 report inaccurate information please remove inaccurate information immediately

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: KY

Complaint narrative:
First they never sent me any mail or even emails saying I owe any debt. When I researched I found out before I pay anything I need to get a verification letter of everything I owe, who I owe it to, who bought the debt and any extra information that could help me figure out how to resolve it. They told me no so so many times and said the sent letters already which was a lie and finally I told her I would give her money for postage and she asked for my address just to get off the phone with me. That was today XXXX, XXXX XXXX. On XX/XX/XXXX I called William rush & associates and they gave me XXXX payment plan. She told me that if I did not start XXXX of those XXXX by the XXXX of this month they would take legal action and in the state I live in that means they can come to my house and take my stuff. I did not get that call on recording but I called back the next day and got a lot on recording and I have the lady from the night before trying to say she never spoke to me when I have it recorded from XXXX different people she is who I talked to and she tries to deny everything. She tells me they have it all on recording tho so Im sure you could pull the call of her threat legal action. Also idk if it was caught on camera but on of them told me I owe them and the other said they are just a third party company. They were so rude to me that I was bawling because this bill had been off my credit for XXXX years and my credit was in the XXXX hundreds and then this happens. My ssn was leaked almost exactly a month before this shows back up on my credit and they have done nothing but lied and refuse to work with me and refuse to give me the actual number they say I owe.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX I'm 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 account # XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion, Experian and Equifax is reporting XXXX XXXX inquiry on my credit report that I did not authorize.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have repeatedly ask for proof usc laws has not been violated. I have asked for proof XXXX XXXX was not violated. XXXX XXXX violations with reporting a past due balance on a charge off accounts is in account. and a violation of XXXX XXXX guidelines fcra. XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. If any interest or fees have accrued or been added on XXXX the balance, please send proof that such fees are lawful are son agreed upon in the original purchase agreement .. Again request proof sent that no violations was made not just a copy of bill

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX - XX/XX/2025

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 2025-10-29 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: TX

Complaint narrative:
I am submitting this complaint regarding hard inquiries listed on my credit report from XXXX XXXX XXXX dated XX/XX/year> and XXXX XXXX XXXX dated XX/XX/year>. I did not authorize these inquiries, and they do not reflect any application or consent from me.

As someone who carefully manages my finances, I rely on accurate credit reporting to make informed decisions. Under Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report under permissible purposes. Since I did not authorize these inquiries, they fall outside that scope.

Additionally, Section 611 ( 15 U.S.C. 1681i ) gives me the right to dispute any inaccurate or unverifiable information. I am exercising this right and requesting that these inquiries be properly investigated. Should verification of authorization not be provided, Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ) requires that the inquiries be removed.

The FCRA, in Section 602 ( a ) ( 15 U.S.C. 1681 ), emphasizes that all credit reporting must be fair and accurate. Unauthorized inquiries negatively affect my credit profile and are inconsistent with these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am submitting this complaint regarding hard inquiries listed on my credit report from XXXX XXXX XXXX dated XX/XX/year> and XXXX XXXX XXXX dated XX/XX/year>. I did not authorize these inquiries, and they do not reflect any application or consent from me.

As someone who carefully manages my finances, I rely on accurate credit reporting to make informed decisions. Under Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report under permissible purposes. Since I did not authorize these inquiries, they fall outside that scope.

Additionally, Section 611 ( 15 U.S.C. 1681i ) gives me the right to dispute any inaccurate or unverifiable information. I am exercising this right and requesting that these inquiries be properly investigated. Should verification of authorization not be provided, Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ) requires that the inquiries be removed.

The FCRA, in Section 602 ( a ) ( 15 U.S.C. 1681 ), emphasizes that all credit reporting must be fair and accurate. Unauthorized inquiries negatively affect my credit profile and are inconsistent with these protections.

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 2025-10-29 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: SC

Complaint narrative:
Misleading information under Section 605B and Section 611 report inaccurate information please remove inaccurate information immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
Misleading information under Section 605B and Section 611 report inaccurate information please remove inaccurate information immediately

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 2025-10-29 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: WA

Complaint narrative:
i have reviewed my credit report and found unverified items.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally notify the Consumer Financial Protection Bureau ( CFPB ) that Transunion has failed to comply with the reinvestigation requirements set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. On XX/XX/year>, I submitted a formal written dispute to Transunion concerning an inaccurate tradeline reported under XXXX XXXX ( Account No. XXXX ). The account contained incorrect late payment information that I have never authorized nor caused, and the creditor had previously acknowledged the error and agreed to correct it. 

Despite providing Transunion with a clear dispute, sufficient identifying information, and supporting documentation, the bureau has failed to complete its investigation and provide me with written results within the 30-day period required by federal law. As of this date, Transunion continues to report the disputed account inaccurately, without providing any proof of verification from the furnisher. This constitutes a violation of my rights under the FCRA for failure to conduct a reasonable reinvestigation and for the continued publication of inaccurate information. I am requesting the CFPB to intervene and require Transunion to ( 1 ) immediately delete the unverifiable account information, ( 2 ) provide proof of investigation results including all documentation from the furnisher, and ( 3 ) ensure future compliance with all federal consumer protection laws. Transunions noncompliance has caused harm to my creditworthiness and emotional distress due to the persistence of false information on my consumer report.

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 2025-10-29 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: OH

Complaint narrative:
I have a few inaccurate this compliant is a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S.

Code 1681i and 1681e ( b ), which requires accurate and verifiable reporting. I am demanding the permanent deletion of the following item ( s ) from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts is fraudulet unverifiable, and you are legally obligated to investigate and remove any unverifiable or erroneous data. If you can not provide proof of the accuracy, this information must be deleted within 30 days.

Please also provide me with the method of verification, including the name and contact information of the party you contacted during the reinvestigation.

Failure to comply with these requirements may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil action under 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 non-monetary relief