vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
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 non-monetary relief
Consumer complaint received 2025-07-15 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: CITIBANK, N.A.
State: MA

Complaint narrative:
The background : I made a purchase on XXXX. com but the order was cancled without any notice. I then contaced the support, and the support offered to price match for me. However, I had to place a new order with links created by the customer support representative and pay full price for the new order. Once the new order shipped, I would then get a refund of the price difference. I had the representative confirm the price to be refunded in the chat and had them send out the whole situation with exact amount confirmed in writing through XXXX corporate email account. The amount to be refunded was {$860.00} USD. However when the new order shipped, they acknowledged the fact that they promised to price match and refund, but they simply refused to do so. This si bottom line fraud to me. If they did not promise to refund, I would not place the new order at all.This is detrimental reliance or promissory estoppel and they are scaming my money. Therefore I turned to citi to seek justice and hope citi would refund me the difference that XXXX promised. 
I filed a dispute with citi and they requested me to submit related document. I submitted the screenshot of conversion with customer support and screenshot of email detailling the pricematch promise that confirming the exact amount to be refunded. However my dispute case was still closed by citi due to lack of supporting documents. They requested me to submit the receipt showing the amount of {$860.00} but such receipt never existed.I then called citi 's customer service twice, to exlpain the situation and have them reopen the dispute. Both times the customer service agent assured me that they had requested to reopen the case and documented the situation. However to this date, I did not receive any update from citi and no refund or anything. The dispute case XXXX is still showing closed.

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 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I have received threatening and harassment texts and phone call also stop reporting this to my credit report immediately to all XXXX  credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I entered into a loan modification with my lender JP Morgan Chase and I was approved and made the trial loan modification payments and was denied without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-15 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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 XXXX. XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE INACCURATE LATE PAYMENTS VERIFIED IN ERROR AUTO LOAN WITH SANTANDER To Whom It May Concern, I am writing to dispute multiple late payments being reported on my credit file associated with my XXXX auto loan in the original amount of {$23000.00}, with a monthly payment of {$620.00} and term of 72 months. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the credit bureau is legally required to conduct a reasonable reinvestigation of any disputed item and delete or correct inaccurate, incomplete, or unverifiable information. 

Despite my prior disputes, your system has repeatedly marked late payments for this account as verified. This includes, but is not limited to, the months of : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX I am demanding the following : 1. Full method of verification used to verify each of the late payments reported.

2. Name, title, and contact information of the individual ( s ) or system that verified the disputed data.

3. Immediate deletion of any late payments that can not be backed up with legally verifiable documentation.

I disputed these inaccurate payments Yet, no method of verification has been provided, and you have failed to produce any supporting evidence such as original billing statements, notices of default, or documented payment history from XXXX. Repeatedly marking these delinquencies as verified without providing documentation violates your obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). 

Let me be clear : If you can not obtain actual, original proof from XXXX that I was truly late and not simply regurgitated data from their system then you are legally required to delete these derogatory marks immediately.

I am demanding : 1. A full method of verification used in confirming each late payment.

2. Removal of all unverifiable late payments within 30 days from the date of this letter.

3. Written confirmation of the results of your reinvestigation per 15 U.S.C. 1681i ( a ) ( 6 ).

If you do not comply, I will Consider civil legal action under FCRA 1681n and 1681o for negligent or willful noncompliance, including statutory damages, actual damages, attorney fees, and punitive damages This is your final notice. I will not tolerate inaccurate, unverifiable, or misleading information damaging my credit file.

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 2025-07-15 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, XXXX ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( ACA ) due to multiple violations related to deceptive billing, credit reporting, and mismanagement of my auto loan account. 

As of XX/XX/XXXX, my loan payoff amount was {$5000.00}. Without making a payment, my balance increased by over {$570.00} to {$5600.00} in XXXX, with no explanation or breakdown of fees provided. ACA has a consistent pattern of adding unexplained fees, which appear to be arbitrary and violate the terms of my original loan. 

In addition, ACA is inaccurately reporting a redeemed repossession remark on all three of my credit bureau reports. However, my loan was officially reinstated after the XX/XX/XXXX repossession, per our agreement. This remark contradicts the reinstatement and is damaging my credit. 

I have also made multiple advance payments that ACA failed to honor. For example, in XX/XX/XXXX, I paid XXXX, XXXX, and XXXX payments in full. Despite this, ACA still repossessed the vehicle in XX/XX/XXXX, treating it as if I was behind. Since then, the vehicle has been reinstated and I have remained current. 

ACA has repeatedly misapplied my payments and has failed to reflect my advance payments by extending the loan term or crediting future months. Instead, the company continues to charge monthly payments while reporting not sure if payment was made to credit bureaus which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 

My vehicle is currently non-operational, and I have contacted ACA about resolution options, but they have offered no fair solution. I am now making payments on a vehicle I can not drive and continue to be hit with fees that are not supported by my contract.

I believe ACA is engaging in unfair and predatory practices, in violation of the Truth in Lending Act ( TILA ), the Consumer Financial Protection Act, and the Fair Credit Reporting Act ( FCRA ). I am requesting that ACA : 1. Provide a full itemized account history and payoff ledger 2. Remove or correct the redeemed repossession remarks 3. Correct all inaccurate credit reporting 4. Apply advance payments properly and extend the loan term accordingly 5. Remove all unexplained fees from the balance 6. Offer fair resolution or settlement due to the vehicle being inoperable These issues have caused significant financial and emotional stress, and I request that the Consumer Financial Protection Bureau review and assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/XXXX, I leased a vehicle with Hyundai motor finance for a new XXXX XXXX XXXX. I am on a visa, and was therefore eliglble for Hyundai 's Foreign business professionals program ( FBPP ) - an addendum to the lease that states that if I am terminated without cause, or my visa is cancelled, I can return the vehicle without an early termination fee. 

On XX/XX/XXXX, I recieved my notice of termination. I submitted an email to Hyundai motor finance as required in the agreement, and returned the vehicle on XX/XX/XXXX. 

I was contacted to request additional information, and I provided that on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the FBPP addendum has not been processed by Hyundai. I have contacted Hyundai on at least 8 occasions, and have been told that the management team need to finish processing my file- and to expect that processing to be completed in XXXX days. The most recent calls I had on XX/XX/XXXX and XX/XX/XXXX the agents confirmed with me that while this account is in process, no late payment notifications will be sent to the credit agencies. However today on XX/XX/XXXX, a late payment notification was sent. 

I have recieved multiple letters from Hyndai, each requesting a substantially different amount. 
XX/XX/XXXX : {$2400.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$7000.00} On the credit report submitted today, the amount owed is shown to be either {$8000.00} or {$2400.00} ( I can't tell ) When I speak to the agents on the phone, they confirm that once they have completed the process, the amount due will be {$0.00}. But they can not say how long that will take. In the meantime, this report is impacting my credit significantly - hitting me with XXXX points. I see that Hyundai also incorrectly reported a late payment in XXXX- after I had returned the vehiclel

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
I am requesting the following fair resolutions : XXXX. A full written explanation of why my auto loan account ( Account # XXXX ) was marked as closed without any notice or consent. 
XXXX. Confirmation of whether the loan was transferred to another lender or servicer, and if so, provide their full contact and account information. 
XXXX. Immediate restoration of online access or clear instructions on how to manage my loan moving forward. 
XXXX. Assurance that my credit profile is not negatively impacted due to this unexplained account closure. 
XXXX. If the loan was mismanaged or closed in error, I request formal correction, an apology, and compensation for the time and stress this has caused, especially given my history of bankruptcy and my efforts to remain compliant. 
XXXX. I also request that an independent compliance review be initiated to evaluate whether XXXX XXXX and/or the dealership ( XXXX XXXX XXXX ) followed legal and ethical procedures in handling my loan. 
XXXX. Lastly, I request to speak directly with a responsible representative or supervisor regarding the status of my loan, why my previous payments have not been properly reflected, and why I have been trying to contact XXXX XXXX for over XXXX months without receiving any proper response or explanation. 
XXXX. Additionally, I have repeatedly called XXXX XXXX and spent several hours on holdsometimes over XXXX hourswith no meaningful response. On multiple occasions, after a long wait, the call was either disconnected abruptly, or I was transferred to a department only to have the line go dead. I have audio recordings of these incidents as proof. This behavior is unacceptable and adds significant frustration to an already unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
We received first correspondence of failure to pay personal property taxes on XXXX of our parcels by our mortgage company on XX/XX/XXXX. The notice outlined the sale of XXXX parcel with a redemption date of XX/XX/XXXX to recover the parcel. On further investigation we found a second parcel is also delinquent and has been sold with an undisclosed date to recover the parcel. We have called Newrez in attempts to have the issue rectified XXXX times between XX/XX/XXXX and XX/XX/XXXX and have not been connected with a member of the company that was able to provide resolution. Taxes and penalties due on parcel XXXX are {$1200.00} and taxes and penalties due on parcel XXXX are {$720.00} and will continue to accrue penalties as long as the issue is not resolved. The notice was provided by our title company and we have received no correspondence from our mortgage company regarding the matter. These parcels have been delinquent on personal property taxes since XXXX. If this issue is not resolved in a timely manner, the deed for these parcels will be delivered to the purchasing companies and we will lose our property.

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 2025-07-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief