vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I am disputing inaccurate and misleading credit reporting by United Auto Credit related to an auto loan charged off in XX/XX/year>. Despite the charge-off, the account continues to be reported with repeated CO ( charge-off ) notations for over XXXX years, which violates XXXX XXXX credit reporting guidelines. Additionally, the account is shown as closed on XXXX while the company claims in writing that it is not closedthis is a direct contradiction. 

The loan was a closed-end contract with fixed payments of {$430.00}, which already included all interest as disclosed in the Truth-In-Lending section XXXX However, the company is reporting a balance of $ XXXX than the original {$15000.00} financedclaiming it includes additional contractual interest. This extra interest is not disclosed in the contract and appears unauthorized, as the full interest was already accounted for in the total repayment schedule. 

The contract submitted by the company also contains a misspelling of my legal name, which further raises identity concerns. I am requesting a full reinvestigation under FCRA 611. If the company can not fully verify the accuracy of the balance, reporting dates, and contract information, I request that this account be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter was sent on XXXX XXXX no action has been taken by Experian ; This letter serves as a formal dispute and legal demand for the immediate investigation and deletion of the following accounts listed on my Experian credit report. These accounts are inaccurate, incomplete, and/or unverifiable and are in direct violation of the Fair Credit Reporting Act ( FCR ) , 15 U.S. Code & 1681. Pursuant to 15 U.S.C. & 1681i ( a ), you are required to conduct a reasonable reinvestigation of any information I dispute, within XXXX  days and delete any unverifiable or inaccurate information from my credit file. additionally under 15 U.S.C & 1681e ( b ) you are obligated to maintain maximum possible accuracy in consumer credit files. Any failure to do so is a direct violation of federal law and grounds for litigation and regulatory complaint. I am disputing the following accounts as inaccurate, outdated, and unverifiable XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Not my account XXXX. XXXX XXXX XXXXXXXX XXXX Inaccurate debt. No signed agreement or original documentation. XXXX. XXXX XXXX XXXX XXXX - Not verifiable. Debt invalid under FCRA. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reported incorrectly ; not legally collectible.

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 2025-07-21 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I am writing to dispute a fraudulent hard inquiry on my credit report. I did not authorize this inquiry, nor did I initiate any application for credit with XXXX INDIGO on XX/XX/XXXX, XXXXXXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I received your response that you mailed verification on XX/XX/year>. However, to date, you have not provided any valid legal proof of this alleged debt such as a signed contract, itemized billing history, or legal chain of ownership proving you have the right to collect. 

Marking the account disputed is not sufficient. The Fair Credit Reporting Act requires that all information reported be accurate and verifiable. Without legal validation, continued reporting is a violation of 15 U.S.C. 1681s-2 ( b ). 

Unless you delete this account from all credit bureaus immediately, I will escalate this matter : By reopening this complaint with the Consumer Financial Protection Bureau, Filing a formal complaint with the FTC, and Consulting legal counsel to pursue damages for credit harm and emotional distress under the FCRA and FDCPA. 

This is your final warning to remove this inaccurate and unverified account. 
I do not intend to pay this debt. I demand full deletion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANBSACTIONS DONE BY ME.

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 2025-07-21 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANBSACTIONS DONE BY ME.

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 2025-07-21 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-21 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I ( XXXX XXXX ) was the victim of a fraudulent chargeback scam on XXXX XXXX involving a payment sent via Zelle on XX/XX/XXXX to XXXX XXXX. I sold an item ( my old XXXX Switch ) to a buyer who paid me {$220.00} through Zelle. XXXX weeks later, the buyer falsely reported the transaction as unauthorized, and the funds were withdrawn from my XXXX XXXX account. To make matters worse, my Zelle account was suspended as a result. 

I contacted both XXXX XXXX and Zelle, and was told the only way to lift the suspension and reverse the fraudulent chargeback was to get in touch with the scammer and ask them to retract the disputea completely unreasonable expectation, as the scammer had already deleted our XXXX chat and cut off all contact. 

I have no way of contacting this individual and no option for resolution. Despite providing all available information and explaining that I was the seller, not the person committing fraud, neither Zelle nor XXXX XXXX offered a pathway to appeal or reinstate my account. I am now out {$220.00} and have lost access to Zelle through no fault of my own. 

Zelle is marketed as a secure, irreversible peer-to-peer payment platform. The fact that this buyer was able to reverse a valid transaction undermines those claims and sets a dangerous precedent. I have done nothing wrong, and I am being punished as the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Subject : Request for Debt Validation under the Fair Debt Collection Practices Act Dear XXXX XXXX XXXX XXXX, I am writing in response to the reporting of an alleged debt listed under your agency with an open balance of {$1600.00}, opened on XX/XX/XXXX. This account appears on my credit report, but I have not received sufficient documentation to validate this debt. Please consider this my formal request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I am requesting the following documentation : XXXX. The original creditors name, address, and account number associated with the alleged debt. 
XXXX. A complete payment history, including all charges, credits, interest rates, and fees, from the original creditor. 
XXXX. A copy of the signed contract or agreement bearing my signature that obligates me to the alleged debt. 
XXXX. A copy of the assignment contract and/or bill of sale demonstrating that your company has the legal right to collect on this debt. 
XXXX. A copy of any XXXX XXXX XXXX or other servicing agreement governing the assignment of this debt. 
XXXX. Verification that the alleged amount is accurate and complete, with a breakdown of how the total was calculated. 
XXXX. Proof that your agency is licensed to collect debts in the state of Georgia ( please include license number and registered agent information ). 

Until the requested information is provided, I am requesting that you cease all collection activities, including credit reporting, in accordance with 15 U.S.C. 1692g ( b ). 

If proper validation is not provided within 30 days of receipt of this letter, I will consider the matter closed and will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Subject : Formal Dispute of Fraudulent Accounts FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information listed in my consumer file. I am a victim of identity theft and have discovered multiple accounts reported under my name that I did not open, authorize, or use. These accounts were fraudulently created without my consent, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing the following accounts : XXXX XXXXXXXX XXXX Routing # : XXXX Account # : XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud XXXXXXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXXXXXX XXXX XXXX Routing # : XXXX Account # : XXXX XXXX : XX/XX/XXXX Current Status : Dormant/Inactive XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX These accounts were not opened or authorized by me, and I am not liable for any transactions, fees, or negative history associated with them. Under FCRA 611, I request a reinvestigation of this data and the immediate removal of any unverifiable or inaccurate information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had an XXXX XXXX with comenity bank. Always paid on time. 
In XXXX I had a baby when my payment was due I paid later than the cutoff and was charged interest. Did not know I was charged all these later months until it messed up my credit score and I tried to dispute with no luck. Sorry I had a baby? Like? I was not even a day late with the payment and never told me anything about my dispute then told me I had to pay hundreds then I called again and still had to pay the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was informed by a Capital One Auto Finance representative that my auto loan account was mistakenly closed in XX/XX/XXXX, but my credit report shows a false closure date of XX/XX/XXXX, along with inaccurate payment history entries. 

Now, Im being threatened with legal action on XX/XX/XXXX, despite the account being closed over a year ago. This appears to be a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which requires furnishers of credit information to report accurately and to correct errors upon notice of dispute. 

If any third party collector is involved, this may also violate the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) by misrepresenting the legal status of the debt or threatening action they can not legally take. These practices are causing measurable damage to my credit standing, financial opportunities, and emotional well-being.

I am formally requesting : 1. Immediate correction of the account closure date and payment history with all credit bureaus.

2. Suspension of any legal action or collection effort while the dispute is under review.

3. Written confirmation that all inaccurate information has been updated and that the account is not subject to further collections. 

I am currently outside of the United States and have authorized a legal representative to handle any related court proceedings if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received an email from my bank saying that my account may have insufficient funds due to a {$130.00} payment on XX/XX/XXXX. I check my CareCredit account since i recognize that number being the amount I pay each month to this card. The online portal falsely displayed no payment due, so I did not know I still owed a balance. Prior to even checking the portal I got NO notification that my payment did not go through from CareCredit. I happen to see the email from my BANK. I later logged in, checking my status to make sure everything is okay and that there is still no money owed, and I find a {$260.00} balance marked as overdue with late fees added. I received no warning or clear notice that the original payment failed. This has happened more than once. CareCredit is put on autopay and does not take my money on time which would be the XXXX of each month. For example this month my bill will due and set for autopay on the XXXX of XX/XX/year>, and care credit attempted to take my money somewhere between the XXXX of XXXX and XXXX of XX/XX/year>. Then they never tell me when my payment has not gone through. I will always pay my bills and willingly stay in good standing with all loans and credit. But this company purposely makes its impossible to. Prior to this most recent event, I reached out to their customer service on XX/XX/year> to understand why they closed my account considering I have always made my payments even if It is late due to their mistakes. They said it was directly because I had a bounced payment twice. They did not notify me of when these things happened, but immediately closed my account without telling me and added hundreds in fees. This is a pattern from this company. I believe this is a deceptive billing practice that misrepresents account status and traps customers into late payments. This seems to be how they get their profits, since they allow interest free loans. I did research on reddit and several if not every person confirmed this same exact issue.

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