vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the national credit bureaus Experian, TransUnion, and Equifax for continuing to report inconsistent, inaccurate, and unverifiable information on several of my accounts. 

Despite my prior disputes, the following accounts continue to reflect conflicting and misleading data : XXXXXXXX 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 2025-11-11 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: LA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the national credit bureaus Experian, TransUnion, and Equifax for continuing to report inconsistent, inaccurate, and unverifiable information on several of my accounts. 

Despite my prior disputes, the following accounts continue to reflect conflicting and misleading data : XXXXXXXX XXXX XXXX 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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am currently in an active domestic-violence situation and am filing this complaint to report unfair, deceptive, and abusive conduct by GM Financial XXXX which repossessed my vehicle on XX/XX/year> without providing the mandatory written notices required under the California Rees-Levering Automobile Sales Finance Act ( Cal. Civ. Code 2983.22983.3 ). 



GM Financial was fully aware of my survivor status and safety concerns. The previous rep that I reported it to in XXXX should not be included in this complaint because they assisted me without discrimination. I had disclosed that I was in an active domestic-violence situation and living in and out of my vehicle for safety. A representative explicitly assured me that I would continue to receive hardship support and flexibility until I could safely leave my situation. Despite that assurance, my car was repossessed without any mailed notice of delinquency, right-to-cure, or intent to repossess. 



The only written correspondence I ever received was an email from XXXX XXXX ( XXXX ), Assistant Vice President of Consumer Servicing, sent on XX/XX/year> the same day GM Financial initiated the repossession order, as confirmed by the repossession companys invoice shown to me at the scene. That email ( attached ) stated only that my account was XXXX days past due. It did not mention repossession or include any cure amount, reinstatement deadline, or right-to-redeem information required by law. This proves the email was a retroactive attempt to justify a repossession already in motion, violating the Rees-Levering Act. 



Afterward, a GM Financial representative told me to contact [ my ] family for help, even though I explained my immediate family is deceased. This was demeaning and discriminatory. GM Financial later stated that no survivor hardship options exist, contradicting its earlier assurance and ignoring established protections for victims of financial abuse. 




Legal Basis GM Financials actions violate : Cal. Civ. Code 2983.22983.3 ( Rees-Levering ) failure to mail required notices prior to repossession.

Cal. Bus. & Prof. Code 17200 ( Unfair Competition Law ) unfair business practices.

12 U.S.C. 5531 ( UDAAP ) unfair, deceptive, or abusive acts or practices.

Cal. Civ. Code 1798.97.11798.97.6 failure to protect a known domestic-violence survivor from coerced debt.

Cal. Civ. Code 1788.17 ( Rosenthal Fair Debt Collection Practices Act ) harassment and unfair collection activity against a vulnerable consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filed a dispute once I found out of an unauthorized transaction of {$2100.00} dated XX/XX/year> on my US bank credit card that I have not use. Few days after I saw on my US bank app that the dispute was denied, I called them XX/XX/year> to ask about it and was told that my dispute was denied because of the XXXX address and that I would be responsible for the charge. I made it clear that I did not make or authorize this purchase. No one in my household/family also made any purchase using my credit card. {$2100.00} is a significant amount of money to me and I should not be held responsible for purchases I genuinely did not make. Please help

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 2025-11-11 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:
Subject : Request for Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : dont send me a stall letter I am writing in reference to a previously disputed account appearing on my credit file under the name XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, listed as a collection. According to my most recent credit report, your reinvestigation states : Account information disputed by consumer, meets FCRA requirements. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting that you provide the following information : 1. The name, address, and telephone number of the furnisher who verified the accuracy of this disputed account. 
2. The method of verification used to confirm the information as accurate.

3. The date on which the verification was completed.

Please provide this information in writing within 15 days of receiving this letter, as required by law.

If the information can not be verified with the furnisher in compliance with FCRA 611 ( a ), please delete the account from my credit file immediately. 

Thank you for 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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ), no consumer report shall be furnished to any person except for permissible purposes under the law. Any continued reporting or distribution of unverifiable or inaccurate information may constitute willful and negligent noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o.

If you can not fully verify and substantiate this account, you are required by law to delete it from my credit file immediately.

Please provide the requested information and documentation within 15 days of receipt of this letter. I expect a written response with complete details as required under federal law.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. If not please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am not liable for this debt. I do not have a contract with XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a vague phone call from their offices by a gentleman named XXXX with no details or verifying account identification provided. He stated he had sent me a text message two days prior. I did not receive any text message. I receive voice messages like these about 20 times a month, with the majority of them being SPAM or fraudulent. I received no further communication or details before XXXX XXXX XXXX posted a Collections Account to my credit file ( causing a XXXX point drop ). As a victim of identity theft due to the XXXX  ( XXXX ) and XXXX  ( XXXX ) Data Breaches, I assert that XXXX  did not complete due diligence in verifying this data before allowing it onto my credit report. My personal data ( name, SSN, address, phone, etc. ) has been sold on the dark web. I have filed a police report and several FTC and CFPB complaints attesting to this fact. I request that XXXX XXXX XXXX validate the debt by sending a copy of the original contract, chain of custody for the account ( so that I may determine the original debtor ), and all corresponding account statements including all fees and fines assessed.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
In XX/XX/year>, I made a {$1600.00} balance transfer from my U.S. Bank credit card to my XXXX  XXXX XXXX credit card ending in XXXX. 

U.S. Bank confirmed the funds were electronically issued on XX/XX/year>, under trace number XXXX. However, XXXX XXXX XXXXXXXX states they never received the funds. 

I discovered this issue later in XXXX  and have been working with both banks since then to locate the missing transfer. I have called both customer service lines many times and visited both U.S. Bank and XXXX  XXXX XXXX branches in person, but neither institution has provided a resolution. 

U.S. Bank told me they sent proof of payment to XXXX  XXXX XXXX, while XXXX  XXXX XXXX insists the funds were never received. Despite my repeated efforts, both banks continue to deny responsibility. 

Meanwhile, U.S. Bank continues to charge me interest and fees for the {$1600.00} balance transfer that was never applied to my XXXX  XXXX XXXX account. 

I am requesting CFPB assistance to investigate this matter, locate the {$1600.00}, and ensure that either ( XXXX XXXX XXXX  XXXX XXXX applies the funds properly, or ( 2 ) U.S. Bank reverses the transaction and refunds all related interest and fees that I have paid.

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 2025-11-11 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket identifier XXXX with 60 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new credit card account with Bank of America on or around XX/XX/XXXX. Immediately after opening, I went online and enrolled the account in automatic payments for the full statement balance, intending to pay my bills in full and on time every month. I was not clearly informed during the setup process that the autopay feature would not activate in time for the first billing cycle, requiring a manual payment. Due to this confusing process and oversight, I missed the due date for the first bill, resulting in an interest charge of approximately {$240.00} on my second statement. 
I have contacted Bank of America customer service representatives XX/XX/XXXX by phone ( on XX/XX/XXXX and XX/XX/XXXX ) to explain the situation and request a XX/XX/XXXXtime courtesy waiver of the interest charge. 
In the first time, the representative confirmed that I had setup the autopay before the statement closing, and would like to help me request a XX/XX/XXXX-time courtesy waiver of the interest charge. 
But the request was denied by an email, with no explanation why or how the decision was made. The email also mentioned the decision was " final, and it has been noted on your account. '' Given my prompt attempt to set up automatic payments and my good faith effort to manage my account responsibly, I did not expect this result. So I contacted BOA again to make another attempt. The representative tried her best to help, but only to find out that she did not have the privilege to overturn the decision made by some special " case manager ''. However, I believe the charge is a result of a confusing user interface regarding the timing of autopay activation for new accounts. I also feel BOA 's procedure to handle such cases is opaque and " cold, '' as it lacks transparency and prevents the customer from understanding the specific reasoning or appealing directly. I am requesting a formal review of this decision by an executive office and a one-time waiver of the interest charge as a goodwill gesture.

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 monetary relief
Consumer complaint received 2025-11-11 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:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-11 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXX  # XXXX XX/XX/XXXX -- {$730.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Volvo Car Financial Services U.S., LLC
State: OH

Complaint narrative:
On Wednesday XX/XX/XXXX I purchased for {$530.00} a feature called pilot assist which was supposed to be something like an autonomous driving feature. I discovered through visiting the repair shop three separate times and a number of conversations on the phone and email that my car is not equipped with the features necessary for pilot assist to function. The company promised to give me a refund for the amount of {$530.00}. After another couple of weeks of negotiating with them I received an email on XX/XX/XXXX stating that they had submit my claim for refund and that I would be receiving an email from XXXX XXXX within a month 's time with instructions on how to set up an account and would be able to receive my money via ACH. i contact XXXX XXXX and they told me there is nothing in their system with my name on it and that they had lied to me at Volvo because they had not received anything. I have contacted Volvo since then requesting XXXX 's number alongside verification documents that they have indeed were submitted my refund but I have been ignored again. All I want is my {$530.00} back or my car to be able to use the pilot assist feature and since that's not possible I want my {$530.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: LA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-11 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK

Complaint narrative:
I am trying to get a credit card. Once I make the application, they are sending me the card. But once I am trying to activate and call the credit card company, then they say it is not possible there is an issue with your account. 
There is a notice it says, sorry we are not able to monitor ; 1. your social security number is on dark web 2. your credit report for any new credit cards, mortgages, car loans, other accounts that may be reported 3. your credit report to alert you when anyone pulls your credit, so you can recognize possible fraud.

So I want to reinstate my account and update all my information,

Company response to consumer: Closed with explanation