vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX CIG Financial LLC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXXXXXX XXXX XXXX  FINAL DISPUTE & DELETION DEMAND This is my third and final dispute of the CIG Financial tradeline appearing on my XXXX XXXX XXXX XXXX reports. 

The following information is patently inaccurate and materially misleading : 1. The tradeline is still reported under the name CIG Financial LLC. 
CIG Financial was acquired by XXXX in XX/XX/XXXX and no longer exists as a separate entity. Failure to update the furnisher name to the current legal owner ( AutoNation Finance or similar ) violates FCRA 1681s-2 ( a ) ( 2 ) accuracy requirements.

2. You have never provided the complete chain of assignment showing lawful transfer of this alleged debt from the original creditor through the XXXX acquisition to the current owner. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be perfectly verified must be permanently deleted. 

Demand ( not request ) : IMMEDIATELY AND PERMANENTLY DELETE this entire CIG Financial / AutoNation tradeline from my credit files at all three nationwide consumer reporting agencies. 

Do NOT update the name or balance delete the account in full. 

Continued reporting of this outdated and unverifiable tradeline will be treated as willful noncompliance with the FCRA. I will pursue all available remedies, including statutory damages of {$1000.00} per violation, actual damages, costs, and attorney fees. 

Written confirmation of deletion required within 15 days. 

XXXX XXXX XXXX Enclosures : None ( the burden of proof is on YOU )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
I, 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 Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX for misrepresentation, failure to disclose vehicle defects, unauthorized add-ons, and submitting a finance contract after rescission. 

Vehicle : XXXX  XXXX XXXX VIN : XXXX I purchased the vehicle on Saturday XX/XX/XXXX at XXXX XXXX  and returned it on Monday XX/XX/XXXX at XXXX XXXX.Due to undisclosed defects ( cracked windshield, worn brakes, dirty oil ). The finance manager never mentioned that all the add-on were optionals. And never showed me the full contract with all the itemized information. The next morning after finally reviewing the contract and noticing the add-on I contacted XXXX XXXX ( Finance Manager ) and ask to please remove them from my contract and to send the money back to the lender. Later on that Sunday XX/XX/XXXX just XXXX hours ofter getting the car I got a call from XXXX XXXX ( Dealer Manager ), he left me a voicemail saying that all the add-ons could NOT be removed from the contract. On Monday XX/XX/XXXX at XXXX XXXX  drove to dealer and again asked XXXX XXXX to remove all optional add-ons. I also spoke to XXXX XXXX and XXXX ( another manager ) regarding the undisclose defects on the vehicle. XXXX XXXX took the car back to be inspected. I was left looking around for someone to reassure me that the loan was going to be corrected but unfortunately nobody was willing to help me. On that day XX/XX/XXXX I left the car at the dealership, the dealer kept the vehicle, never contacted me to let me know what was being done to the vehicle and about the condition of the contract. They then submitted the finance contract to Ally Financial after the vehicle had been returned and after I rescinded the contract. 



I request a full investigation and assistance in unwinding the transaction. 

I am also filing a complaint against Ally Financial regarding an invalid auto loan contract submitted by XXXX XXXX XXXX. 


Allys representative incorrectly stated that Florida has no cooling-off period. This is not a cooling-off case ; this is a case of misrepresentation, post-rescission submission, and unauthorized add-ons. 

I request that the CFPB require Ally to review the fraud and misrepresentation concerns, freeze the account, and remove the invalid contract from my credit file. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
This statement documents multiple fraudulent accounts discovered on my credit report, all opened without my knowledge or consent. These accounts were created using my stolen personal information, resulting in severe credit damage and financial harm. I am reporting this as a case of identity theft and requesting full investigation and removal of all unauthorized accounts. 
The first fraudulent account is with XXXX  ( Acct # XXXX ), opened XX/XX/XXXX, showing a repossession. XXXX past due. I never financed a vehicle through XXXX. A second XXXX account ( Acct # XXXX ), opened XX/XX/XXXX, also lists a repossession with XXXX, XXXX XXXX XXXX past due. Both were opened fraudulently. 
An additional fraudulent auto loan appears with XXXX XXXX XXXX ( Acct # XXXX ), opened XX/XX/XXXX XXXX past due. I have never applied for or received any loan from XXXX XXXX. Several collection accounts were also opened without authorization. XXXX XXXX XXXX ( Acct # XXXX ) shows a {$250.00} balance for XXXX XXXX XXXX XXXX ; I have never had service with that company. XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX  shows a {$62.00} balance for XXXX XXXX, which I did not authorize. XXXX XXXX XXXX XXXX ( Acct # XXXX ) lists a {$2300.00} balance for XXXX XXXX, a company I have no relationship with. Finally, XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX lists a {$420.00} collection for XXXX  XXXX, which I did not open. 
These accounts represent a clear pattern of identity theft across multiple creditors. I did not authorize, apply for, or benefit from any of these accounts. I have filed an identity theft report with the FTC and am cooperating with law enforcement. I request immediate investigation and removal of all fraudulent accounts from 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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DEBT 0, INC
State: FL

Complaint narrative:
Description of Issue : I am updating my complaint to include new evidence obtained directly from the XXXX XXXX XXXX regarding an account that Deuda Cero was responsible for handling as part of my debt settlement program. 

Deuda Cero repeatedly informed me that my account ending in XXXX was in final legal status, that a lawsuit was active, and that I risked bank and wage garnishment unless I authorized additional payments. 

After obtaining the court documents, I discovered : I was never served. 
The Summons Return lists Unable to make contact with the Defendant. 

There was no judgment. 
The Memo of Disposition shows NO default, NO final judgment, and NO summary judgment entered. 

The case was dismissed. 
The Order of Dismissal states the case was dismissed without prejudice due to failure to effectuate service and failure to comply with court orders. 

Deuda Cero misrepresented the case status. 
They did not tell me the case was dismissed, and they made statements suggesting the case was active, which was false. 

They failed to provide proof of settlement for three accounts they claim were negotiated and paid.

My credit report ( as of my most recent pull ) still shows balances owed to : XXXXXXXX XXXX : {$2600.00} XXXX XXXX XXXX {$1200.00} XXXX ( XXXX XXXX ) : {$870.00} Deuda Cero has not provided ANY letters from the original creditors confirming settlement, even though I paid them {$7500.00} total. 

I am requesting : A full accounting of all funds Proof of settlement from original creditors Confirmation of where my money went Investigation into deceptive practices Refund of all fees paid I am uploading all court documents as evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: Avant Holding Company, Inc.
State: NC

Complaint narrative:
ive reached out several times to this company to inform them that its not my account and i have no knowledge of it, i just keep seeing it pop up on my credit report. they said they confirmed its my account because the phone number and address is the same as mine, but ive never provided that information to them so how would they know. they just keep ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
TransUnion is reporting inaccurate and unauthorized information on my credit file. XXXX XXXX XXXX placed a hard inquiry that I did not authorize, request, or apply for. In addition, XXXX is reporting an account and attempting to collect on an amount that I did not open or consent to. These items are the result of identity theft and were not created or approved by me. 

I have already filed an FTC Identity Theft Report documenting the incident, and I am requesting that TransUnion properly investigate under FCRA 605B. These items are harming my credit profile and were never 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 non-monetary relief
Consumer complaint received 2025-12-03 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: GA

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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint because CareCredit ( Synchrony Bank ) repeatedly lowered my credit limit immediately after large payments, without any adverse action notice and despite my account being in good standing. 

The first time this happened, my credit limit was reduced from XXXX to XXXX directly after I paid the account down. I contacted the company at that time and asked whether this would happen again. I was told it would not. 

Recently, I paid approximately XXXX toward my balance. Immediately after this payment posted, CareCredit lowered my credit limit again, this time down to XXXX. I received no explanation and no adverse action notice. 

These sudden decreases cause my credit report to show nearly XXXX percent utilization even though I am making responsible and significant payments. This misrepresents my true credit standing and has negatively affected my credit score. 

I am requesting an investigation into the repeated credit limit reductions that occur immediately after payments, the lack of legally required adverse action notices, and the inaccurate reporting impact. I would like my previous credit limit restored or the credit reporting corrected.

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 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: TN

Complaint narrative:
Revco Solutions is continuously sending me collection letters about a debt that is not mine to pay. I have responded to every attempt they make to collect a debt that is owed by the company I used to work for. Yet despite my disputes and information I provide, they will not stop. I have demanded they all cease all attempts to collect this debt and the have failed. It is ow at the point of harrassment. 
The most recent letter from them was dated XX/XX/year> attempting to collect {$970.00} The dent is stated to be owed by me to XXXX XXXX XXXX The debt is owed b XXXX XXXX, I had worked for them and had fallen on their icy parking lot. I was injured and even though I didnt need or want emergency treatment, I was forced to be seen at the hospital and was driven there by a XXXX representative. 
The driver explaned the company pays for everything. After my recommended time off from work, I was then forced to go back to the hospital by the miserable HR staff at XXXX XXXX. I was told that they had to have a release in order for me to return to work. So i went and obtained the release, against my will. Now Revco continues to attempt to collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Unauthorized ACH withdrawals were taken from a XXXX Federal business checking account by XXXX XXXX XXXX  beginning on XX/XX/year>. The withdrawals totaled approximately {$1400.00}. So far, NFCU has denied claims for a {$200.00} XXXX XXXX payment while the rest are still pending. The business does not have any XXXX XXXX account and did not authorize any ACH debits to XXXX XXXX. 

After filing an ACH dispute with Navy Federal, I was informed by a Navy Federal representative that the XXXX XXXXXXXX accounts involved belonged to two individuals named XXXX XXXX and XXXX XXXX, who are complete strangers and have no connection to my business. This confirms the debits were the result of identity theft and not authorized in any way. 

Despite this, Navy Federal denied the dispute after claiming that XXXX XXXX provided documentation indicating authorization. This is impossible because I never gave authorization, do not know the individuals involved, and do not have any XXXX XXXX relationship. 

I requested copies of all documentation Navy Federal relied on to deny the claim, including any authorization forms, signatures, digital authorization logs, ACH files, or other evidence. Navy Federal has not provided these documents. 

I requested a WSUD ( Written Statement of Unauthorized Debit ), details about how the dispute was evaluated, and an explanation of why documentation belonging to unrelated individuals was accepted as authorization for debits from my account. Navy Federal has not resolved the issue. 

These withdrawals were unauthorized, involved identity theft, and the dispute was improperly denied. I am requesting that the dispute be reopened, that the unauthorized funds be returned, and that the institution follow XXXX rules regarding unauthorized ACH transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
These items is not reporting 100 % accurately please investigate and remove it under FCRA Section 611 Credit acceptance XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
These items is not reporting 100 % accurately please investigate and remove it under FCRA Section 611 Credit acceptance 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank is owed for a pay later account after purchasing a loan from ally lending. On XXXX XXXX I made a mistake and made a double payment. I requested the refund of the 2nd payment. I made the next payment on XX/XX/XXXX. My XXXX payment was {$230.00} and my XXXX XXXX payment was {$260.00}. I have never missed a payment. My next payment due is {$460.00} although I have NEVER missed a payment. I spoke with XXXX an account manager/supervisor on XX/XX/year> and she stated that because I got a refund the system is requesting this payment back although it was not owed. Now for the XXXX payment they want double. Synchrony is stealing from customers. When I requested the refund I spoke with a supervisor who never stated that I would be charged again for my requested refund. I asked XXXX for the name of her supervisor, which she refused to give. She said the supervisor had to call me. She asked for my phone number although that is in my information. This company is stealing from consumers. They are trying to request money that is not owed. This is fraud!!

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