vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
This addendum supplements my active CFPB complaint. 

In response to the letter received on today. 
To refresh I was approved for financing in XX/XX/year> and the vehicle was delivered the first week of XX/XX/year>. The dealership was fully aware at the time of sale that I was XXXX and preparing for XXXX the same week the vehicle arrived. They preyed on my circumstances and used urgency and pressure tactics to force acceptance of a vehicle I had not seen, inspected, or test-driven. 

This constitutes disability-based exploitation and predatory conduct. 

When delivered, the vehicle was not as represented. The dealership stated the vehicle was in perfect mechanical condition and safe to drive. That representation was materially false, and was used to induce the financing agreement. This constitutes an Unfair and Deceptive Act or Practice under 15 U.S.C. 45 ( a ) ( FTC Act ), and a violation of the FTC Used Car Rule ( 16 C.F.R. Part 455 ). 
I have provided screenshots of convos with them. They offered to fix the vehicle then discontinued all contact I demanded return at the time no responses have been given. 

I never received a lender welcome call, underwriter communication, or mandatory disclosures, which violates the Truth in Lending Act ( 15 U.S.C. 1638 ) and Regulation Z disclosure requirements. 

Immediately upon delivery, due to discovering serious safety issues and undisclosed defects, I attempted to return the vehicle. The dealership refused to accept it back. Under : Restatement ( Second ) of Contracts 164 Fraudulent Inducement UCC 2-721 Remedies for Fraud UCC 2-608 Revocation of Acceptance I retain the right to rescind the contract because it was induced by fraud and deception. 

I have still not received the documentation necessary to legally register or plate the vehicle. As a result : the vehicle can not be legally registered, can not be lawfully driven, can not be legally stored, and is at imminent risk of tow and impound under XXXX XXXX XXXX ordinance due to lack of registration and mechanical inoperability. 

This situation is causing active and ongoing financial harm to me and has illegally impacted my credit due to continued reporting of a fraudulent account. 

I have already reached out to the Missouri Attorney General regarding this matter. I also intend to initiate litigation against both the lender and dealership for XXXX exploitation, fraudulent inducement, deceptive lending, and predatory sale practices. I additionally intend to file a full fraud attestation concerning this installment contract and its reporting. 

I respectfully request immediate regulatory intervention directing the lender to : 1. Void and rescind the installment contract, 2. Cease all reporting to consumer reporting agencies, 3. Work with the dealership to unwind the entire transaction, 4. Prevent further financial and legal injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Fair debt Collection Practices Act ( 15 U.S.C 1692g. The account information you are reporting to credit bureaus is incomplete and unverifiable. I am requesting for this account to be deleted from all of my consumer accounts ( XXXX XXXX XXXX and XXXX. Please provide complete documentation providing this debt is valid and legally enforceable, including ; 1. The original signed contract/agreement bearing my signature.

2. A full itemization of the Midland Credit Management $ XXXX account XXXX and {$650.00} account number ( XXXX ) 3. The name and address of the original creditor and all subsequent owners, with copies of any assignment of sale documents.

4. Proof that Midland Credit Management is licensed and authorized to collect debts in XXXX. 
5. Chain of custody 6. Securitization 7.The date of last payment Until proper validation is provided, Cease all collection activity, including calls, letters, or credit-bureau reporting XXXX If the debt has been reported, it must immediately be deleted. Failure to comply will result in formal complaints to the Federal Trade Commission ( FTC ) and the Alabama Attorney Generals and may lead to legal action of statutory damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
SEVENTH AVE TransUnion Experian Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$210.00} {$210.00} {$210.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$0.00} {$210.00} XXXX XXXX : {$0.00} {$100.00} {$0.00} Past Due : {$100.00} {$100.00} {$100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Equifax took XXXX points in XX/XX/XXXX & XX/XX/XXXX XXXX different years and XXXX different times Equifax took XXXX points from my credit score and I made on time timely payments every month to XXXX and XXXX reports my on time payments to all XXXX credit bureaus. Equifax had no reason to take XXXX points from me in XX/XX/XXXX & XX/XX/XXXX from my credit score I feel like Equifax is discriminating against me because this is not the XXXX time they did this to me. Equifax do not and did not give me XXXX points in XXXX month for on time payments so they had not right to take XXXX from me for no reason when I make on time payments Equifax need took XXXX Points in XX/XX/XXXX and XX/XX/XXXX Equifax Need To Correct Error and Pay For Damages. XXXX points in XXXX month for XXXX month that is a lot of points they do not give me XXXX points every when making on time payments -Discrimination - Also Equifax.com keep Saying Login Information Is Incorrect when login information is correct and I changed password numerous times in passed year everytime Equifax stated information was not correct. This happens numerous times.

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 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had this Fifth Third checking account since XXXX and the XXXX savings account since XXXX. XXXX transfers over last 2 years ( more prior ). 

I initiated {$10000.00} transfer on XXXX via the fifth third online platform. On XX/XX/XXXX cash was removed from XXXX but not applied to Fifth Third account due to unknown fraud indicators.. I received two emails that morning from fifth third - one that transfers with XXXX were suspended and a second that the transfer had failed. After several discussions with fifth third customer service representatives ( XXXX, last three conversations with XXXX ), AmEx was restored as a transfer account in 4 days. I was first told the cash would be returned in 3-5 days, then was asked for XXXX statements ( provided same afternoon ) and then ultimately told Fifth Third would be holding our money for 30 days based on policy. Several requests to understand how Fifth Third would make us whole were met with policy statement. Asked to escalate and was told that was not possible and a phone number of supervisor would not be provided. Fifth third suggested I file a dispute against them through XXXX to get funds back sooner. XXXX informed me that was not possible as transaction was initiated by me at fifth third. 

I appreciate the care taken to investigate a potential fraud, but believe this should have been fully resolved in a few days. Fifth Thirds business practice of holding my funds for an extended period of time is an abuse, depriving me of a significant amount of money and lost interest. 

Discussions with fifth third customer service on the following dates : XX/XX/XXXX XXXX min XX/XX/XXXX XXXX min XX/XX/XXXX XXXX min XX/XX/XXXX XXXX calls ranging from XXXX min XXXX : XX/XX/XXXX XXXX calls XXXX min and XXXX min

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-22 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
In XX/XX/XXXX, I sent XXXX XXXX a formal written dispute and a debt validation request. My dispute included new evidence showing that the original creditor, XXXX XXXX, officially sold the account in XX/XX/XXXX. 

Despite receiving new documentation, XXXX XXXX  sent me a letter on XX/XX/XXXX claiming my dispute was frivolous or irrelevant and refusing to investigate. This is incorrect and misleading because my dispute was not the same as any prior dispute and clearly included new information that directly affects ownership and accuracy. 

XXXX XXXX also failed to provide the required validation of the alleged debt, failed to show proof of ownership, and did not provide any supporting documents. Their response misrepresents my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Because they refused to investigate a dispute with new evidence, refused to validate the alleged debt, and dismissed my rights by falsely labeling the dispute frivolous, I am filing this complaint to request proper regulatory review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a Wells Fargo credit card and a checking and a saving account there were so many interest fees and fees on a credit card my Wells Fargo credit card was hacked I had a couple charges on it I never really made I was fighting with them until I physically canceled my whole account with them I got my little bit check that finally came in years later I want to say 6 years later I got a check but I can I would like to make a complaint and be part of their complaint that's already what Wells Fargo I have already have account with y'all can you please add me on today complaint sentiment for Wells Fargo I tried on several different websites to try to be part of it for a good while but it's no one accepting me for that link cuz I don't have that invoice from Wells Fargo where the client ID number I was with them for years until I went to 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 explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I contacted a service rep and asked how to avoid interest. I was told to turn on autopay a and pay the minimum amount. I paid the minimum amount manually and turned on autopay. 
The next month I was subsequently charged interest. Their system wasn't in-sync. 
I had paid {$100.00} but was told I should have paid {$100.00}, thus I was charge interest of {$9.00}. 
This isn't the first time it happened, either. 
I have now manually frozen my account and made the minimum payment manually again. Autopay is still on. 
I want to get out from this nightmare immediately. It seems the people who built their system don't understand their service reps AND their service reps don't understand how their system full functions on a deep level. This mismatch in understanding between code & representatives is likely the deep source of this issue and it's costing real people real money. I'm deeply disturbed by this!

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX American Express denied my dispute for an unauthorized recurring charge from XXXX XXXX XXXX XXXX for the amount of {$3700.00}. The original purchase with the merchant was done entirely over the phone with a sales representative calling from the XXXX in XX/XX/XXXX. I agreed to pay for 1 year membership, that was it. I never agreed to any written Terms & Conditions, auto-renewal, recurring billing, or subscription contract. I was never provided nor did I accept the contract the merchant is now claiming governs the account. On XX/XX/XXXX such merchant charged my amex card for {$3700.00} for a subscription based service that I didn't agree to. 

The merchant claims they emailed and mailed me the Terms & Conditions, but I never received any such communications. The transaction was completed by phone, and no digital contract, email, signature, or click-to-accept process was ever provided. 

I asked American Express to obtain proof that : I agreed to the Terms & Conditions I agreed to auto-renewal or recurring billing I was provided the Terms at enrollment I received a renewal notice before the new charge None of this proof was provided to me. 

Additionally, the merchant failed to deliver a key contracted service : a guaranteed pro-bono placement included in the paid program for the period of XX/XX/XXXX to XX/XX/XXXX. This constitutes a breach of contract. 

I am requesting the CFPB review Amexs dispute-handling process, require Amex to obtain proper documentation from the merchant, and reconsider this charge as unauthorized recurring billing and services not provided.

Company response to consumer: Closed with explanation