vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove the following fraudulent accounts due to Equifax data breach identity theft. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with XXXX XXXX XXXX ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Date of original complaint : XX/XX/year> Original complaint ID. : XXXX I'm submitting this complaint as a follow-up to an unresolved issue with Ally Financial. I am currently under threat of repossession scheduled for XX/XX/year>, despite having contacted their customer service multiple times and clearly explained that I exhausted all available options previously offered. No new alternatives or meaningful solutions have been provided since. Additionally, there appears to be a technical issue with a link sent in an email from Ally, which has not worked as intended or yielded further resolution. I'm requesting regulatory oversight and support to ensure fair treatment and avoid further procedural harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
Please remove these accounts because my information was bought and sold without my permission.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I opened a checking and savings account with USAA. I was XXXX yr old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's how I was able to get a military bank account. 

On XX/XX/XXXX I submitted a fraud claim in the amount of {$2900.00} which was stolen from my account. On XX/XX/XXXX I was given a temporary credit for the {$2900.00} that was stolen. On XX/XX/XXXX we updated all the protections on my account and I had to pay a bill. Within a hour of doing so I was locked out of my app and online access. I called to ask why and i was told it was a precaution and I should have access soon. I was called later however and told my account was closing. I would be reimbursemed and sent a letter why. This was the last day I had access to my account and contact with the company as far as I can recall. I was XXXX so didn't understand how banks work so I just moved on. I believed my account was closed as XX/XX/XXXX was my last bank document. 

XX/XX/XXXX to my shock I see a email from USAA about a bank document for my old checking account. This catches my interest so I try to access it but I can't. So I call XXXX XXXX and verify my identity. After that I'm sent to a account XXXX as my online account is locked because they closed my account. I state the obvious that my account isn't closed if I'm receiving documents. He says it's a fluke and that he'll issue a letter out explaining the reasoning for closing. 

XXXX to XXXX weeks go by and still no letter so I call back and this time on XX/XX/XXXX I speak with a checking account associate and explain to him the situation. He goes into my account and says I should have been sent a letter explaining the closing and I should have been reimbursed. However there's not much he can do himself and he transfers me to a XXXX. She says something much different from him saying my account is being closed because USAA is reserving their right to. She also let 's me know I now have two checking accounts and one of them is negative {$2500.00} or so. Which doesn't align with what I remember if the account. I ask for the statements with no response. 

I tell my mother and her friend both of whom have appearance working in banking so they have me come over to call the bank with them. However I transferred to fraud to get my account statements and she says there's nothing and she can't pull anything. I learned XX/XX/XXXX a second checking account was opened that I didn't authorize. I think there's some foul play on my account and I would like answers.

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 2025-07-13 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: FL

Complaint narrative:
I noticed inquires reporting on my account that i never opened. I have never used my information to try to open any accounts with these companys. Ive been trying to get this handled and have had XXXX luck. Im worried in the future someone would be able to open accounts under my name. EQUIFAX INQUIRIES : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Now for the TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HOTEL AND TRAVEL ) XX/XX/XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I opened a personal line of credit with NetCredit ( XXXX XXXX  ) and have paid over {$1600.00} in fees this year alone significantly more than I initially borrowed. The account is advertised as interest-free, but the fees function like extremely high interest and have become unaffordable. 

Every month Im charged a $ XXXX statement balance fee, which prevents me from making progress on the balance and creates a cycle of debt. I contacted NetCredit to ask for a hardship plan, settlement, or payment reduction. They stated that no hardship or settlement options exist for this product, even though Im facing financial hardship and can no longer afford to continue payments under this structure. 

I believe the fee structure is excessive and predatory, especially as the fees are charged monthly regardless of my payment behavior. The lack of flexibility or hardship relief is concerning and has caused significant financial distress. 

I am requesting the CFPBs assistance in reviewing this product and helping facilitate a fair resolution, including possible fee cancellation, a reduced settlement amount, or full debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously submitted multiple dispute letters to Equifax, both by traditional mail and via the CFPB portal, regarding unauthorized inquiries placed on my credit report. Most recently, at the beginning of this month, Equifax responded by requesting that I resubmit my dispute through the FTC process, as not all pages of my initial claim were received. I am now following through on that request and submitting the complete documentation through the CFPB as instructed. I kindly request the removal of the following unauthorized inquiries : XXXX ( dated XX/XX/XXXX ) and XXXX ( dated XX/XX/XXXX ), both affecting my Equifax credit report. These inquiries were made without my knowledge or consent and violate my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I was misled by XXXX of XXXX regarding the financing terms of a vehicle purchase. I was originally quoted an out-the-door cash price of {$32000.00} for a XXXX  XXXX XXXX, and I made it clear, both over the phone and by email, that I would be paying in cash with a cashiers check. 

After arriving at the dealership, I was told that the agreed-upon vehicle was not available. Instead, I was presented with a different vehicle and pushed into a new deal that was said to include a {$4500.00} federal rebate, but only if I financed the vehicle. 

However, the financial paperwork I was given was not for a loan but for a lease, even though dealership staff clearly stated that I was financing the vehicle. The lease was falsely described as a loan, and I was told that the {$4500.00} federal tax credit would be applied directly toward reducing my loan balance after my first payment. This information is not accurate. 

In reality, the federal tax credit for plug-in hybrids applies only to the leasing company, not the lessee, and it does not reduce the consumers loan or lease balance. The dealership misrepresented this fact to make the offer seem financially beneficial. 

This conduct appears to violate federal consumer financial protection laws by : Misrepresenting the nature of a financial product ( lease vs. loan ) Providing false information about a federal tax credit to influence my financial decision Obscuring the terms and structure of the agreement in a way that misled me I am requesting that the CFPB investigate this dealers deceptive financial practices and take appropriate enforcement action. I would also like confirmation that this type of misrepresentation, especially concerning federal tax incentives and lease disclosures, falls within CFPB oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 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 15 U.S.C 1681 section 602 A. 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 a 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 ) ( 1 ) 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.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Request for Debt Validation under the FDCPA ( XXXX XXXX. XXXX ) To Whom It May Concern : I am writing to request validation of a debt you claim I owe. I am requesting this information pursuant to my rights under the Fair Debt Collection Practices Act, which gives me the right to request written verification of the alleged debt. 

Please provide all of the following : XXXX. The amount of the alleged debt. 
XXXX. The name of the original creditor. 
XXXX. A detailed statement explaining how the debt amount was calculated. 
XXXX. Proof that I agreed to assume this debt ( e.g., signed contract ). 
XXXX. A complete payment history showing all charges, interest, payments, and fees. 
XXXX. Proof that your agency is authorized to collect this debt ( chain of assignment if applicable ). 
XXXX. The name and address of the original creditor, if different from the current creditor. 
XXXX. A copy of your license to collect debts in my state, if required. 

Until you provide this documentation, I am requesting that you cease all collection activities, including reporting to the credit bureaus, contacting me via phone, mail, or other means, and pursuing legal action. 

If you can not validate the debt, you must cease collection efforts and remove any credit reporting of this debt as required by law. 

This is not a refusal to pay but a request for validation. Please respond within XXXX days of receiving this letter. All future communication must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I applied for a personal loan through Upstart to cover general living expenses and bills. As part of explaining my overall financial situation, I mentioned that my federal student loans are coming out of forbearance, which is increasing my monthly obligations. 

Upstart repeatedly misclassified my intended loan purpose as being for educational expenses. I have never requested this loan to pay for tuition, enrollment costs, or any other direct educational expense. I have clearly explained this multiple times to their representatives, but they refuse to correct the record and continue to deny my application on the basis of an incorrect purpose. 

This misclassification is unfair and misleading. I believe this may be an Unfair or Deceptive Act or Practice ( UDAP ) because Upstart is : -Ignoring my actual intended use of the funds ( which is allowed under their policy ) - Refusing to correct inaccurate information about my application - Preventing me from obtaining credit I am otherwise eligible for. 

I have attached the notice with the reason for denial and my response email clarifying my intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-13 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: MD

Complaint narrative:
Transunion llc consumer dispute center file number XXXX I just received my second credit report on XX/XX/year>XXXX  and noticed some accounts remain incomplete and inaccurate which is a violation of 15 USC 1681 e ( b ). 

They also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681 I ( 5 ) ( a ) ( i ) & ( ii ). At at this point I believe they are doing this on purpose. According. to 15 USC 1681 e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
A fair and lawful resolution would be the immediate and permanent deletion of the account reported from all consumer reporting agencies ( XXXX XXXX and XXXX  ). 

This deletion is warranted due to their failure to issue IRS Form 1099-C as required under 26 U.S. Code 6050P, and for violating my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), by reporting inaccurate and unverifiable information. 

I also request a written confirmation from XXXX XXXX stating that the account has been deleted from all credit bureaus, and that they will cease and desist from further reporting or collection attempts related to this account.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A fair and lawful resolution would be the immediate and permanent deletion of the account reported from all consumer reporting agencies ( Equifax, Experian, and TransUnion ). 

This deletion is warranted due to their failure to issue IRS Form XXXX as required under XXXX XXXX Code XXXX, and for violating my rights under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ( b ) ), by reporting inaccurate and unverifiable information. 

I also request a written confirmation from JPMCB Card stating that the account has been deleted from all credit bureaus, and that they will cease and desist from further reporting or collection attempts related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
A fair and lawful resolution would be the immediate and permanent deletion of the account reported from all consumer reporting agencies ( XXXX XXXX and XXXX  ). 

This deletion is warranted due to their failure to issue IRS Form 1099-C as required under 26 U.S. Code 6050P, and for violating my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ), by reporting inaccurate and unverifiable information.

I also request a written confirmation from ALL Card stating that the account has been deleted from all credit bureaus, and that they will cease and desist from further reporting or collection attempts related to this account.

Company response to consumer: Closed with explanation