vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I bought a XXXX XXXX XXXXXXXX from XXXX XXXX XXXX, didn't know the vehicle had a negative equity, and been in a severe accident, when I got the vehicle it has dents and all, they finance me through Exeter finance, which finance the vehicle for more than the value, they finance it for XXXX, I put XXXX down, they didn't provide me with the correct percentage rate, and charge me XXXX monthly, and told me in XXXX  months on time payment I can bring it back to trade it in, so during the XXXX years I had the vehicle, and was paying, my amount didn't go down of the total, so I looked on the portal customer create and see were my money I was paying went, I only seen half going towards the interest, but no were of the other half, then I didn't see it go towards anything so I called Exeter and ask them were is my money, all they can say it's going towards the interest, and I ask how much owe on the interest I was told XXXX, which it should have been settled after I gave them a big payment when my taxes came, so I then tried to trade the vehicle in at XXXX other dealerships before I went back to XXXX XXXX  XXXX, XXXX of the owners at XXXX of the dealerships explained to me and told me everything, that they over charge me, and scam me, and he broke it down, and said it is a negative equity on the vehicle, it been in a serious accident, and was owned by XXXX owners, and the interest rate they put on there is not supposed to be on there and the total price is not right, and the vehicle is only worth XXXX. And that no one will be able to trade or want the vehicle because of the negative equity, and so I went back to XXXX XXXX XXXX as they said to bring it back for a trade, and they didn't want it, and told me the vehicle not worth trading or buying, so I reinstated what they told me and why would they sell the vehicle, and they then tell me to do whatever with it, cause they didn't want it, so I contacted Exeter and told them I want to volunteer repo vehicle, they really didn't want it, they tried to force me to give it to someone else to take over the notes, and I told them they need to remove that off my credit, they however sent me a paper to sign to volunteer repo vehicle, but I noticed they had already picked up the vehicle and was still charging me late fees and payment to my account I created, and I didn't have the vehicle,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand for Collection Account Removal Violation of FCRA and FDCPA To Whom It May Concern, This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX  days. I am exercising this right and demanding strict compliance. 

Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 

YOU ARE HEREBY PUT ON NOTICE : You have XXXX days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand for Collection Account Removal Violation of FCRA and FDCPA To Whom It May Concern, This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX days. I am exercising this right and demanding strict compliance. 

Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 

YOU ARE HEREBY PUT ON NOTICE : You have XXXX days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Company agent called said his name was XXXX and threated to come for my life if I didnt pay my last bill I told them I went to the office and paid it in person which is true but the agent stated he would email a receipt and never did this was back in XXXX of XXXX. My account was never closed after that and debt collector continued to threated me and threaten to ruin my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
3. CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX XXXX XXXX XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXXAccount number : XXXX XXXX XXXX - XX/XX/year>

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 2025-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
Was told federal charges would be filed against me in federal court and theyd tell employers/close friends and relatives that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint to formally dispute several inaccurate and unverified entries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX, a collection account that was recently deleted by Experian, must also be deleted from all other credit reporting agencies, including TransUnion and Equifax. I am requesting confirmation that this account is fully deleted across all bureaus to ensure consistency and accuracy in my credit file, as mandated by FCRA 602 ( a ), which ensures fair and accurate credit reporting. 

Additionally, I am disputing a collection account reported by XXXX XXXX. There is no contractual agreement between myself and XXXX XXXX, nor has any proof of ownership or legal right to collect this alleged debt been provided. Under FCRA 609 ( a ) ( 1 ), I have the right to request and obtain full disclosure of the information used to report this debt. Without a signed contract or verifiable documentation linking me to this account, the tradeline is inaccurate and must be removed. Furthermore, FCRA 623 stipulates that furnishers of information must not report unverifiable or inaccurate data. Continued reporting of this account without proper substantiation is a violation of federal law. 

Lastly, I am disputing the reporting of XXXX XXXX regarding my student loan account. Under FCRA 609 ( a ) ( 1 ), I am formally requesting the original signed promissory note and a full accounting of how XXXX obtained or services this loan. Per FCRA 611 ( a ), if these documents can not be produced within 30 days of this dispute, the entries must be deleted from my credit report. Furthermore, pursuant to FCRA 623, any failure to validate or remove outdated and unverifiable information renders the furnisher liable for noncompliance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) ensure these accounts are thoroughly investigated and that any unverifiable, inaccurate, or legally noncompliant information be permanently removed from all credit reports. Thank you for your prompt attention to this matter in accordance with 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 non-monetary relief
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
I am filing this complaint to formally dispute several inaccurate and unverified entries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX XXXX, a collection account that was recently deleted by Experian, must also be deleted from all other credit reporting agencies, including TransUnion and Equifax. I am requesting confirmation that this account is fully deleted across all bureaus to ensure consistency and accuracy in my credit file, as mandated by FCRA 602 ( a ), which ensures fair and accurate credit reporting. 

Additionally, I am disputing a collection account reported by XXXX XXXX. There is no contractual agreement between myself and XXXX XXXX, nor has any proof of ownership or legal right to collect this alleged debt been provided. Under FCRA 609 ( a ) ( 1 ), I have the right to request and obtain full disclosure of the information used to report this debt. Without a signed contract or verifiable documentation linking me to this account, the tradeline is inaccurate and must be removed. Furthermore, FCRA 623 stipulates that furnishers of information must not report unverifiable or inaccurate data. Continued reporting of this account without proper substantiation is a violation of federal law. 

Lastly, I am disputing the reporting of XXXX XXXX regarding my student loan account. Under FCRA 609 ( a ) ( 1 ), I am formally requesting the original signed promissory note and a full accounting of how XXXX obtained or services this loan. Per FCRA 611 ( a ), if these documents can not be produced within 30 days of this dispute, the entries must be deleted from my credit report. Furthermore, pursuant to FCRA 623, any failure to validate or remove outdated and unverifiable information renders the furnisher liable for noncompliance. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) ensure these accounts are thoroughly investigated and that any unverifiable, inaccurate, or legally noncompliant information be permanently removed from all credit reports. Thank you for your prompt attention to this matter in accordance with federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.

Complaint narrative:
I logged in a dispute at Experian since XXXX to be removed under judgment because I have settled the debt that I owed. 

The files are as follows : Case noXXXX Case no : XXXX Case no : XXXX I havent got any response from them since I logged the dispute.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have received unemployment back in Covid-19 & they locked my account trying to verify the funds. Its been 4-5 years now & I keep receiving an email saying that my funds are going to the state. But PNC keeps preventing my funds from being let go. This is my 3rd email with a new date that my funds MAY be transferred to state. I continue to all every week and still no update! They say to continue to wait for an email. This is ridiculous now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I initiated a {$5000.00} wire transfer through SoFi Bank. The money, along with a {$30.00} fee, was immediately withdrawn from my account. SoFi later claimed that the first transfer failed, but they never refunded the {$5000.00}. I then submitted a second wire transfer for {$5000.00} to the same recipient, which did go through. As a result, a total of {$10000.00} was withdrawn from my account, but only one payment was received by the seller. I contacted SoFi multiple times through phone and in-app chat, but they have not resolved the issue or returned the funds. I am requesting that the {$5000.00} and {$30.00} fee from the first wire transfer be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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