vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
Description of Complaint : On XX/XX/XXXX, I purchased a XXXX XXXX XXXX through a dealer that arranged financing with Consumer Portfolio Services ( CPS ). Before signing, the dealer explicitly promised that if I made XXXX on-time payments, they would lower my monthly payment through CPS. They stated that only they could arrange this reduction, and that refinancing could only be done through the dealer. 

After making the required payments, I learned this was false. CPS confirmed in writing on XX/XX/XXXX, that they do not refinance their own accounts, directly contradicting what the dealer represented. This constitutes fraudulent inducement and a violation of the FTC Holder Rule ( 16 C.F.R. 433.2 ), which holds finance companies liable for dealer misrepresentations.

I formally invoked my right of rescission under the Truth in Lending Act ( 15 U.S.C. 1635 ; 12 C.F.R. 1026.23 ) and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 55315536, requesting cancellation of the contract and refund of all payments. CPS refused, instead issuing a dismissive response that ignored statutory duties under 12 C.F.R. 1024.36 ( d ) ( RESPA response to written requests ). 

Relevant precedents include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), both affirming that assignees like CPS are liable for dealer fraud. 

Requested Remedy : Recognition of rescission and immediate cancellation of the contract. 
Refund of all funds paid under fraudulent inducement. 
Investigation into CPSs and the dealers coordinated misrepresentation of refinancing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-10-30 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I had a car loan with ally financial. In 2019 they repossed my car and refused to tell me where my car was overnight the tow company stole stuff out my car.food candy, dishwasher liquid.all because they gave them time to steal from me. I saw the garage where they were storing stolen items from people 's cars. Im not the only people that were at this tow company arguing, because they went through our cars and stole items.then I called the police and why did he show up with a bag of candy like I had in my car and the officer came out the office without the bag. Then all these lawsuits came against them. Im not sure how they affected me. And now I'm selling my house and there's a XXXX XXXX on my home. I never went to court. I never knew anything about this. 
I'd like to know how these lawsuits affected me and what if any balance I owed after they sold my car. I'd like to see some legit paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding the inaccurate reporting of an account listed by CAP ONE AUTO XXXX, showing a high balance of {$19000.00} and a date opened of XX/XX/year>, which is being reported as a charge-off. I have no knowledge or recollection of ever having this account with Capital One Auto, and no documentation or verification has ever been provided to prove its validity. Despite my previous disputes, XXXX  continues to report this account as charged off, which has severely damaged my credit score and financial reputation. The reporting of an unverified account is a direct violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, which require that only accurate, complete, and verifiable information be maintained in a consumers credit file. This account appears to be either a case of mistaken identity or inaccurate data furnished without proper validation, and its continued reporting constitutes noncompliance by both the furnisher and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I found that XXXX XXXX XXXX XXXX XXXX made a hard inquiry on my Equifax credit report that I did not authorize. I have never applied for credit with this company, nor did I give written consent or a permissible purpose for them to access my consumer file. I contacted Equifax to dispute the inquiry, but it was not removed. This unauthorized access violates the Fair Credit Reporting Act ( FCRA 604 ), which limits when a consumer reporting agency may furnish a report. I have attached proof of the inquiry as it appears on my Equifax report, along with supporting identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Re : Credit Report Recently I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXXXXXX Account Number : XXXX Thank You

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 2025-10-30 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: CA

Complaint narrative:
Re : Credit Report Recently I looked at a copy of my credit report, and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXXXXXX Account Number : XXXX Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
Charged Off Accounts : XXXX  XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$1800.00}. Please investigate and correct the status of this account. 

XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. I request a review and accurate reporting of this account. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$3700.00} is incorrect. I request verification and correction of this entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1300.00} is inaccurate. Please investigate and provide a corrected entry. 

Inquiries : There are no specific inquiries listed for Experian in 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 explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am a SoFi Bank customer who filed a stop payment order on XX/XX/year> for recurring unauthorized charges from XXXX. SoFi confirmed the request in writing through their live chat system and documented it under Ticket # XXXX, stating that a stop payment had been submitted and would prevent future charges. 

Despite this, multiple identical charges from XXXX were processed on XX/XX/XXXX and XXXX, XXXX, each for {$240.00}, along with XXXX additional smaller XXXX charges. These transactions were clearly in violation of the stop payment order already on file. 

I immediately contacted SoFi again in late XXXX to dispute the transactions. SoFi initially submitted a Regulation E claim and issued a provisional credit on XX/XX/year>. However, on XX/XX/year>, XXXX sent me a denial letter claiming that no error occurred, even though their own internal records show an active stop payment request in place prior to these transactions. 

This decision is improper under 12 CFR 1005.10 ( c ) and 1005.11, which require a financial institution to ( a ) honor valid stop payment orders on recurring transfers, and ( b ) conduct a good-faith investigation of any alleged error. SoFis records confirm both the stop payment order and the subsequent unauthorized debits, yet the bank sided with the merchant and is now attempting to reverse the provisional credits. 
Why this is a violation : 1. Failure to enforce a stop payment order under 12 CFR 1005.10 ( c ) SoFi was notified in advance to block all future Sezzle charges but failed to act.

2. Improper denial of an error claim under 12 CFR 1005.11 ( d ) SoFis own internal chat logs confirm an active stop payment and a pending ticket, meaning
the transactions should have been classified as bank error.

3. Unlawful reversal of provisional credit without proper justification or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following date : XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Dispute against apple card ( managed by goldman sachs ) Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX 's XXXX Fair Disputed amount : {$190.00} Despite multiple attempts to resolve this matter directly with XXXX 's, I have been unable to obtain the necessary transaction documentation. I have contacted their customer service department several times via phone, and subsequently visited the store in person. Unfortunately, their staff was unable to locate the transaction in their system, citing the limitation that Apple Card does not display the complete card number. 

The merchant 's inability to retrieve transaction records, combined with the Apple Card 's security feature of masking the full card number, has created an insurmountable barrier to processing a return for this item. This lack of accessible transaction details makes it impossible for me to provide standard purchase documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
On XX/XX/year> I sent {$100.00} with {$3.00} transaction fee through XXXX Money Transfer app, I use this with regularity. The receiver went to pick up the money at the XXXX location as stated, in the store they tell her that it isnt possible to deliver the money due to a system malfunction, but at the same time they marked the transaction as Recieved on their end, giving the receiver a receipt stating that the transaction wasnt completed. 
We immediately file a claim to XXXX and XXXX both. After that I have been contacting them with regularity for a solution,13 days has passed and nothing yet. XXXX says they are waiting for XXXX to show proof of their delivery and they havent responded yet. I gave them the receipt with prove that the transaction wasnt complete. XXXX doesnt takes action into this matter stating that they that have the funds to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation