vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am 40 days past due due to income disruption related to the government shutdown. I contacted American Credit Acceptance on the most recent call and spoke with a representative who identified himself as XXXX. He told me that no assistance was available and that I have until XX/XX/XXXX to make a payment. 

I attempted to request a XXXX XXXX XXXX, which is different from a standard payment extension or loan modification. I explained that this is a temporary hardship situation caused by a government-related income change. 

The representative refused to process the hardship review and did not provide access to the Loss Mitigation / Hardship department. 

I am requesting : A XXXX XXXX  during hardship review A Temporary payment suspension or reduced hardship payment option Late fee waiver review No negative credit reporting during hardship I am requesting a supervisory review and written resolution, as required when a borrower requests a hardship review due to documented income disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
My PayPal account was permanently limited on XX/XX/year>, with a balance of {$9400.00} currently being held for 120 days. 

I have no open disputes, chargebacks, or pending transactions. All sales were legitimate and fulfilled. 

I have contacted PayPal multiple times requesting a hardship-based review or early release of funds, but each response has been an identical scripted policy message without any clear explanation or review of my specific account. 

This has caused a serious financial hardship, and I am requesting that PayPals Executive Escalations or Risk & Compliance team conduct a manual review and release my funds early or at least provide a specific release date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX XXXX XXXX and EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-11-07 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: AZ

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> - the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XX/XX/year>- the inquiry was not authorized. 
XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/year> - the inquiry was not authorized.

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 2025-11-07 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-11-07 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-07 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: AZ

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XX/XX/year>- the inquiry was not authorized. 
XXXX  - XX/XX/year> - the inquiry was not authorized.

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 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
They are saying Im behind one month for XX/XX/2025 payment and Im not and are refusing to send me a XX/XX/2025 statement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on XX/XX/XXXX regarding inaccurate late payment remarks on my credit report. 
The account ( s ) I disputed are : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Late payment ( s ) reported on XX/XX/XXXX In my letter, I requested : A reinvestigation of the late payment remark ( s ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report. 
This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-07 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: WI

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 -- {$36000.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I tendered payment last year to GM Financial and requested that if there was a problem to return it with an opportunity to cure. It was never returned and a letter was sent months later rejecting the tender of payment. I submitted an administrative process requesting validation of the Contract with a wet ink signature. I requested Arbitration with no response. Americredit filed a lawsuit against me and I never signed a contract with them. They were taken over by GM Financial. In the process my vehicle was repossessed and I have a UCC financing statement to prove my security interest. Account was charged off last XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went 3-4 times already to Wells Fargo bank to try to open and a checking account and they told me that I cant open at the time but nothing but is all what they told me and they sent me a letter but still nothing o any reason why XXXX cant open it the bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-07 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX XXXX - XX/XX/XXXX - the inquiry was not authorized. 
XXXX XXXX - XX/XX/XXXX- the inquiry was not authorized.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I am disputing an improper {$75.00} annual fee posted to my closed XXXX credit card account ( ending in XXXX ). The company engaged in unfair, deceptive practices by deliberately creating an impossible loop to prevent timely cancellation, directly resulting in this billing error. 

1. I paid off the account and initiated cancellation requests as early as XX/XX/year> to avoid the annual fee. 

2. I formalized my cancellation request via email on XX/XX/year>, which stated my goal was to close the account and avoid the fee. 

3. The company repeatedly refused to process the cancellation or respond to my request via email, instead sending automated replies that demanded I call the phone number on the back of the card ( even after I informed them the card was destroyed ). 

4. This high-friction " call-to-cancel '' requirement ( which is being targeted by regulators for unfairness ) intentionally delayed the process. I was finally forced to call and close the account after receiving the final email instruction on XX/XX/year>. 

5. Despite the closure, the company improperly billed me for the {$75.00} annual fee. When I contacted them on XX/XX/year>, to dispute this improper charge on a closed account, they again demanded I call them on XX/XX/year>, to resolve the billing error. 

The company is using deliberate friction ( mandatory phone calls ) for both cancellation and dispute resolution to unlawfully post and collect a fee on a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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:
I am a XXXX XXXX XXXX XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
I am disputing the following items reported on my credit file with TransUnion. These items may contain inaccuracies or errors that require immediate attention under the Fair Credit Reporting Act ( FCRA ). 

Charged Off XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries [ None reported ] Positive Accounts [ None reported ] Late Payments XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX * XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX 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