vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$20.00} Date Opened : XX/XX/year>

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Complaint to CFPB English Version Issue summary : I am the owner of XXXX XXXX, a company registered in the state of Wyoming ( XXXX : XXXX ). On XX/XX/year>, and XX/XX/year>, I initiated XXXX USD transfers from my business account with Wise, intended for our corporate account at XXXX Bank. 

However, due to an error that has not been clarified, both transfers were sent to an incorrect account number, even though the routing number and beneficiary information were correct. 

Wise marked both transfers as refunded, but the funds were never received nor returned to our Wise account. After several support requests, Wise has consistently refused to provide the required tracking codes ( XXXX or XXXX XXXX Numbers ), which the receiving bank ( XXXX ) needs to investigate or recover the funds. 

Wises refusal to provide this information is directly preventing me from recovering a total of {$3300.00}, which represents a direct financial loss for my company. 

Transfer details : Transfer 1 Wise ID : XXXX Date : XX/XX/year> Amount : {$990.00} Routing number : XXXX Incorrect account number used : XXXX Trace ID : XXXX Transfer 2 Wise  ID : XXXX Date : XX/XX/year> Amount : {$2300.00} Routing number : XXXX Incorrect account number used : XXXX Trace ID : XXXX What I am requesting : I am requesting that Wise provide the official tracking details for both transfers specifically, the XXXX or XXXX XXXX numbers. These are standard references required by the receiving bank to trace and retrieve the funds. Wise claims the transfers were refunded, yet has provided no proof of such refunds nor the tools to verify their claims. 

Supporting documents available : Transfer confirmation receipts Support conversations with Wise Formal response from XXXX Bank stating that they can not take action without the official tracking information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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 BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$6200.00} XXXX CARD # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX # XXXX XXXX/XXXX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX XXXX  involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: WA

Complaint narrative:
I am formally requesting the permanent removal of the following closed account ( s ) from my credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate, fair, and fully verifiable reporting of consumer credit information. Account Details : XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681i ( a ), I am initiating a dispute and formally requesting a reinvestigation of the accuracy and relevance of this closed account. If you are unable to verify the accuracy of this information within 30 days, you are required by 1681i ( a ) ( 5 ) ( A ) to delete it from my credit file. Furthermore, under 1681e ( b ), you are obligated to ensure that only accurate, relevant, and verifiable information is maintained on consumer reports. Retaining old, derogatory, or closed accounts that no longer serve a purpose beyond creditworthiness evaluation violates this provision. Additionally, per 1681c ( a ) ( 4 ) and ( 5 ), outdated adverse information must not be reported beyond certain limits, especially if it no longer reflects my current financial behavior. Continuing to report this closed account undermines my right to a fair credit profile. If the original creditor can not or does not verify the information and provide evidence of its continued relevance, you are required to remove the entry completely. I do not consent to the continued reporting of inaccurate or unverifiable data. Please complete your investigation and send me written confirmation of the deletion within the required 30-day period. If you choose not to delete, I expect a detailed explanation of your verification process, the name and contact of the verifying party, and a legal justification for continued reporting. Thank you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I found some inaccurate items on my credit report. I contacted the furnishers, received no verifiable response, and I'm requesting a full investigation under the Fair Credit Act ( FCRA ). Please remove these unverifiable items. '' Clean. Legal. Powerful

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 2025-05-20 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: GA

Complaint narrative:
I found some inaccurate items on my credit report. I contacted the furnishers, received no verifiable response, and I'm requesting a full investigation under the Fair Credit Act ( FCRA ). Please remove these unverifiable items. '' Clean. Legal. Powerful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$310000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00}

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 non-monetary relief
Consumer complaint received 2025-05-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Describe XXXX Happened I am submitting this complaint regarding a XXXX  account that was XXXX on XX/XX/year> and is now paid and closed. Although the balance is {$0.00} and the account is closed, it is still flagged as a potentially negative account on my credit report. 

I have never been late on this account, and I paid it in full as agreed. The fact that its still being labeled in a way that could harm my credit is unfair and misleading. I believe this account should no longer appear with any negative indicators, or be removed entirely from my credit report, as it is not reflective of poor payment behavior or any delinquency. 

I have tried to dispute this through the credit bureaus, but the status has not been updated. I am requesting that this account be completely removed from my credit history, or at minimum, reclassified so that it is not flagged as a potential negative mark.

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 2025-05-20 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX # XXXX XXXX/XXXX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$2100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-05-20 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: CA

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX on my Experian credit report that is materially inaccurate and incomplete. This account is the subject of a pending lawsuit filed by XXXX XXXX, XXXX, who claims to have purchased the debt. However, multiple legal, factual, and procedural issues exist : XXXX. No proper validation of debt or ownership has been provided, despite my formal request to XXXX attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) on [ XX/XX/year> ]. I have received no response after more than 15 days. 
XXXX. The account shows inconsistent balances. The alleged loan originated at approximately {$3500.00}, but Experian reports a charge-off balance of {$3800.00}, with no itemization or explanation. This raises concerns under XXXX XXXX. XXXX ( b ) ( accuracy standard ). 
XXXX. The tradeline status shows charged-off and purchased by another lender, which is conflicting and misleading. If XXXX sold the debt, they should no longer report a balance or charge-off status. 
XXXX. Experian continues to report balance updates after the alleged sale which suggests that XXXX is reporting without a permissible purpose under XXXX XXXX. XXXX if they no longer own the account. 
XXXX. The tradeline has not been marked as disputed, despite my ongoing legal and factual dispute. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) and misrepresents the nature of the account to potential creditors. 

I have also expressed my intent to file a motion to compel arbitration, per the terms of the original agreement, which would make this lawsuit inappropriate under the contracts dispute resolution clause. This information has not been considered in the ongoing reporting. 

I am requesting that : The account be properly investigated, including verification of current ownership ; All inaccurate or incomplete information be corrected or removed ; The account be marked as disputed by consumer ; The CFPB hold both XXXX XXXX XXXX and Experian accountable for their reporting practices ; The complaint be forwarded to XXXX XXXX, XXXX as the current party attempting collection through legal action. 

I am attaching my letter to the attorney representing XXXX, proof of the dispute, and a copy of the credit 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX on my XXXX  credit report that is materially inaccurate and incomplete. This account is the subject of a pending lawsuit filed by Velocity Investments , LLC, who claims to have purchased the debt. However, multiple legal, factual, and procedural issues exist : XXXX. No proper validation of debt or ownership has been provided, despite my formal request to Velocitys attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) on [ XX/XX/year> ]. I have received no response after more than 15 days. 
2. The account shows inconsistent balances. The alleged loan originated at approximately {$3500.00}, but Experian reports a charge-off balance of {$3800.00}, with no itemization or explanation. This raises concerns under 15 U.S.C. 1681e ( b ) ( accuracy standard ). 
XXXX. The tradeline status shows charged-off and purchased by another lender, which is conflicting and misleading. If XXXX sold the debt, they should no longer report a balance or charge-off status. 
XXXX. XXXX  continues to report balance updates after the alleged sale which suggests that XXXX is reporting without a permissible purpose under 15 U.S.C. 1681b if they no longer own the account.

5. The tradeline has not been marked as disputed, despite my ongoing legal and factual dispute. This violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) and misrepresents the nature of the account to potential creditors.

I have also expressed my intent to file a motion to compel arbitration, per the terms of the original agreement, which would make this lawsuit inappropriate under the contracts dispute resolution clause. This information has not been considered in the ongoing reporting. 

I am requesting that : The account be properly investigated, including verification of current ownership ; All inaccurate or incomplete information be corrected or removed ; The account be marked as disputed by consumer ; The CFPB hold both XXXX XXXX XXXX and XXXX  accountable for their reporting practices ; The complaint be forwarded to Velocity Investments , LLC as the current party attempting collection through legal action. 

I am attaching my letter to the attorney representing Velocity, proof of the dispute, and a copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am filing this complaint against the credit bureaus ( Experian, Equifax, and XXXX  ) for reporting inaccurate and misleading information regarding an account associated with XXXX XXXX XXXX XXXX. 

The account is listed as a repossession with a balance owed, despite the fact that the creditor submitted a Form 1099-A to the IRS, which has been accepted. This form confirms that the property was acquired by the lender and the debt has been resolved for tax purposes.

I submitted disputes to all three credit bureaus, along with a copy of the 1099-A and supporting documentation, requesting the account be updated to reflect the correct status ( such as Settled through collateral acquisition or Paid/Closed ). Despite this, the credit bureaus continue to report it as a delinquent repossession with a remaining balance which is factually and legally incorrect based on the IRS-acknowledged cancellation of the debt.

This false reporting is negatively impacting my credit profile and misrepresents my current financial obligations. The credit bureaus have a legal duty under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and report accurate information, yet they are failing to do so.

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 2025-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending to formally dispute the accuracy and completeness of several items reported on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] and XXXX [ XXXX XXXX. XXXX ], I request a thorough reinvestigation of the following accounts and entries, as they XXXX be inaccurate, incomplete, or unverified XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I entered into a retail installment contract with Credit Acceptance Corporation ( CAC ) and a dealer, Your Choice Auto Sales in XXXX, IL, on XX/XX/XXXX, to purchase a used XXXX XXXX XXXX ( XXXX : XXXX ) with approximately XXXX XXXX. The vehicles total cost was grossly inflated to over {$29000.00}, even though the market value of the car is less than half that amount. The APR was 27.99 %, an extremely high and abusive rate for a used vehicle purchase. 

Despite consistently making payments early and staying ahead of the due dates, nearly all of my payments are still being applied primarily to interestnot to the loan principal. The contract terms state it is a simple interest contract, but the way the payments are being applied has resulted in virtually no reduction in my principal balance. Even with early payments, I have been charged thousands of dollars in interest within the first year. 

Additionally, the lender retained full discretion on how payments are applied, and the contract includes clauses that allow them to advance the due date rather than crediting principal properly. This structure feels designed to keep the borrower in debt as long as possible while extracting maximum finance chargesespecially given the daily accrual method they use. 

I believe this loan is predatory in nature. The vehicle price was significantly inflated compared to its market value, the interest rate is exorbitant, and the repayment structure is deceptive, particularly in how it penalizes early payments. I was not adequately informed about these aspects and feel this violates the Truth in Lending Act and fair lending practices. 

Credit Acceptance Corporation ( CAC ) has a history of legal challenges related to predatory lending practices, including multiple lawsuits & settlements for predatory lending practices, including significant cases in Illinois and other states. 

Example 1 : Massachusetts Settlement {$27.00} XXXX ( XXXX ) In XXXX, the Massachusetts Attorney General secured a {$27.00} XXXX settlement from XXXX over allegations of unfair practices in subprime auto lending. The settlement provided debt relief and credit repair to thousands of Massachusetts borrowers and required CAC to change its loan handling practices. 

Example 2 : CFPB and New York Attorney General Lawsuit ( XXXX ) In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) and the New York Attorney General sued CAC for misrepresenting loan costs and setting borrowers up to fail. The lawsuit alleges that CAC hid the true cost of credit, leading to unaffordable monthly payments, vehicle repossessions, and aggressive debt collection tactics.

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