vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
When we went to find a car we were pressured into a lease. We wanted a car payment first and then were convinced to get a lease then told we didnt meet to get a lease so we signed for car payment first and were misquoted multiple times on pricing. Then after signing for a car payment we were told we were on a lease. Nothing was explained to us. We were so confused by the time we left the lot. We then picked up the car. My son was in a wreck within the first 2 months when he hit a deer. We were told gap coverage wouldnt cover. We had issues with the XXXX runner since then. We had it repaired with my insurance and had several wrecks afterwards. We paid over {$20000.00} in total. My husband lost his job and we did have to extend a few times with Covid happening, hurricane Helene and him losing his job. We asked multiple times toward the end, they denied us, I made what payments I could and they still came snd repossessed my car at my job where all my co workers could see, it was extremely embarrassing because no notice, at my job, when I am a XXXX and the lack of trying to help us keep the car that we wanted to purchase. After everything we paid they took the car and say we now owe the full balance even though we dont have a car. Ive struggled with this so much. All stemming from confusion that started when we got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I closed my Equifax account on XX/XX/year>. Closing was completed on XX/XX/year> and these are their dates on Equifax app. They withdrew XXXX on XX/XX/year> from my checking. I called they said they did not do this. I filed a CFPB complaint Number XXXX XXXX. They closed it without fixing so I emailed them documents and got no reply. Yesterday they withdrew XXXX from my ckecking again. XX/XX/year> I have no membership or any business with Equifax that gives them any right to my account. They just keep taking without authorization.Is this considered STEALING? Everything I try to do they ignore and just keep taking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I was forced into a 29 % apr auto loan with American credit Acceptance in late XXXX after two prior vehicles from XXXX were bought due to mechanical failures. despite those buybacks, the previous Loan remained on my credit, blocking me from getting financing elsewhere. ACA then financed a XXXX XXXX XXXX with no warranty.im paying XXXX on a XXXX car and over the life of the loan Ill pay more than XXXX double the value of the vehicle, which is now worth around XXXX. I received no repair help and no refinancing option after the federal government lowered interest rates I am currently 3 months behind on the loan due to high payments and unfair loan structure.I believe this loan was predatory and set up under financial coercion, and im requesting an investigation into aca lending practices, loan terms, and credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Correct Inaccurate Payment History and Provide Method of Verification XXXX XXXX I am submitting this formal complaint against Experian, Equifax, and TransUnion for their ongoing failure to correct and verify inaccurate payment history reporting on my consumer credit file. This complaint is being submitted directly by me, XXXX XXXX, and not by any third party. 

Over XXXX  days ago, I submitted a valid dispute regarding a billing error on my credit report, citing violations of both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). To date, I have received no legally sufficient response, and the account in question continues to inaccurately report late payments. 

Disputed Account : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Reporting late payment ( Open ) Violations Cited : This account reflects potentially false late payment reporting, and falls under the definitions outlined in 15 U.S.C. 1666 ( b ) of the FCBA, which prohibits : The failure to accurately reflect a payment made or a credit issued ; Computation or accounting errors ; The assessment of late payment fees or reporting of delinquency without XXXX  days advance notice. 

I have not received any documentary evidence verifying that I was truly late. Under 15 U.S.C. 1681i ( a ) and 1681e ( b ), the bureaus are required to conduct a reasonable reinvestigation and maintain maximum possible accuracy. They have failed to do both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XX/XX/year>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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DailyPay, Inc
State: CA

Complaint narrative:
From XX/XX/year> to XX/XX/year> or better yet current date. I have only made XXXX ATM withdrawals. All those withdrawals where made at the same location at the same store, and i noticed on the statements that all my transactions have or include " XXXX '' and they all end with a " XXXX '' not sure of the significance of this however the XXXX transaction NOT MADE BY ME. The XXXX i am trying to dispute for the XXXX time. it is the XXXX transaction, which is incredible their investigative team thought was normal, because i have never made XXXX withdrawals in a month. in the month of XX/XX/year> I made no ATM transactions. also this transaction was made over XXXX miles from my address they have on file. and if its to be important XXXX out of my XXXX transactions were all made past XXXX or XXXX PST. and if we include this transaction we would have XXXX transactions made before XXXX PST and i mention this because I work graveyard shift and most of the times XXXX am sleeping by XXXX which is when this transaction was made. XXXX XXXX to be specific. so in this transaction we see that they have " SD '' and the ending is a " US '' NOT LIKE IN ALL MY OTHER TRANSACTIONS MADE IN MY LOCAL CVS STORE. And my local cvs store is XXXX miles away from my residence. All my transactions have been made in the XXXX XXXX, I have never gone or traveled or gave anyone my card that goes or lives in XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my Experian credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following fraudulent account must be removed from my credit file : XXXX XXXX XXXX XXXX Additionally, per 15 U.S.C. 1681b, a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

The continued presence of this account not only results from identity theft but also represents the unauthorized use and disclosure of my personal information, in direct violation of the FCRA. 

In accordance with the law, I respectfully demand that this account be blocked and permanently deleted from my credit report and that it no longer be reported by Experian in any capacity. 

I have contacted Experian previously to report this matter and have yet to receive a clear or satisfactory resolution. This situation is causing me serious harm, as I am currently in the process of purchasing a home for my children and seeking financial tools to support my economic growth. This negative account is unjustly limiting my opportunities and causing both personal and financial damage. 

It is important to note that this same account has already been deleted by other credit bureaus, as they could not verify it under the requirements of the FCRA. I do not understand why Experian continues to report it despite the lack of proper verification. 

Additionally, I have sent direct requests for copies of any supporting contracts to the data furnisher reporting this account. More than 60 days have passed, and I have not received a single responsefurther confirming that no verifiable evidence exists. 

I respectfully urge Experian to take immediate action to remove this account and ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
b'I sent a certified letter to Transunion on date XXXX The letter was sent via USPS with a tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter shows delivered on datXXXX XXXX  The letter is requesting them to promptly delete serval accounts that are being reported with errors. The accounts listed are: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The consumer reporting agency is willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.C. 1681c-2 ], by continuing to report fraudulent accounts and identity theft-related information on my credit file. Despite being provided with an Identity Theft Report, proof of identity, and a formal request for removal, the agency has failed to take action within the required timeframe. This constitutes a violation of my consumer rights and has resulted in ongoing financial and reputational 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 2025-07-15 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:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX. XXXX  - XXXX XXXX. AXXXX  - 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  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I filed a dispute with SoFi Bank on XX/XX/year>, for two unauthorized transactions totaling {$680.00} : {$450.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX I submitted all supporting documentation showing these charges do not belong to me. Today is The 10th business day and they have not granted me a provisional credit or a resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint due to multiple accounts, addresses, and credit inquiries fraudulently listed on my credit report. I am a victim of identity theft, and these items are not connected to me. These errors are causing severe and ongoing damage to my credit profile and financial stability. This complaint supports my ongoing case and adds new evidence. 
XXXX XXXX XXXX High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Issue : I did not authorize this account and was unaware of its existence until I checked my credit report. 
Law : FCRA Section 605B requires removal of identity theft-related data. 
Story : I have never applied for a XXXX card, and I believe this account was fraudulently opened using my stolen identity. Despite disputing it, the account remains and is reporting a charge-off, severely damaging my score. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : Incorrect reporting of student loan payments, which are inaccurate. 
Law : FCRA Section 611 Right to dispute and correct inaccurate data. 
Story : My federal loan accounts were transferred several times and mishandled. I was in deferment/forbearance, yet late payments were reported, which is not accurate. 
XXXX XXXX High Balance : {$670.00} | Date Opened : XX/XX/XXXX | Status : Late Payments Issue : Unfamiliar credit card ; I never opened or used it. 
Law : FCRA Section 605B and FACTA identity theft protections apply. 
Story : This XXXX credit card does not belong to me. I never applied for a XXXX XXXX account. Its reporting is harming my profile. 
RELIEF REQUESTED : I respectfully ask the CFPB to investigate these fraudulent accounts, inquiries, and addresses. I demand : Immediate deletion of these unauthorized addresses and accounts from my credit reports.

Investigation and removal of all listed unauthorized hard inquiries.

Verification of all accounts under FCRA and FDCPA compliance.

Penalties imposed on any furnishers or entities who failed to comply with federal law. 
These errors and fraudulent items are not only harming my financial stability but also affecting my mental well-being. I request urgent intervention from your office to help me restore my credit profile and ensure no further fraudulent activity affects me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
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 explanation
Consumer complaint received 2025-07-15 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:
This letter serves as my formal dispute of a collection account that was reported without my knowledge or consent. I am not liable for this debt, and I demand a reinvestigation in accordance with 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation