vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: RFNA, LP
State: AL

Complaint narrative:
COMPANY : XXXX XXXX XXXX XXXX  AMOUNT : {$16000.00} XXXX  CHARGE : {$11000.00} XXXX : 22.670 % TOTAL of PAYMENTS : {>= $1,000,000} ACCOUNT NUMBER : XXXX ( OLD ACCOUNT NUMBER ) XXXX ( NEW ACCOUNT NUMBER In XXXX, I visited XXXX XXXX to request a XXXX XXXX. They pressured me into combining it with a refinance of my car loan through XXXX XXXX, which had a 4.89 % APR and a {$390.00} monthly payment. They refinanced it into a 22.670 % APR loan with a $ XXXX payment and a total cost of {$27000.00}. I was not fully informed of the cost or terms.Within 3 business days, I called XXXX XXXX and XXXX XXXX to cancel. XXXX told me I couldnt, claiming the check was processed. I recently learned from XXXX XXXX that they would have reversed the payment within 90 days meaning XXXX XXXX lied or misled me.Now, after 2 years of $ XXXXmonth payments ( totaling {$10000.00} ), I still owe {$14000.00}. Ive paid over {$9100.00} in interest, and almost none of my payments have gone to the principal. My car is now inoperable, and Im still paying for it with no end in sight. I feel financially trapped, misled, and emotionally distressed. This is predatory lending, and XXXX XXXX should be held accountable. 

After researching XXXX XXXX, I found that many other consumers have filed complaints with the CFPB citing nearly identical experiences excessive interest rates, unfair payment allocations, and being misled about their loan terms. I believe I have been a victim of the same predatory and deceptive practices, and I request immediate regulatory action and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: PA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
On or around [ insert date you applied XXXX, XX/XX/XXXX ], I submitted a credit application to a car dealership for the purpose of purchasing a vehicle. I specifically authorized only one credit inquiry for financing. However, after checking my credit reports, I discovered that the dealership submitted my information to twelve ( 12 ) different lenders, resulting in twelve hard inquiriesnone of which I explicitly authorized. 

I was not informed that my credit would be sent to multiple institutions, nor did I consent to that level of access. This has negatively impacted my credit score. I immediately contacted the dealership to request that the additional inquiries be removed, but I have not received a satisfactory response or resolution. 

This action was excessive and unauthorized, and I believe it violates the permissible purposes of accessing a consumer report under 15 U.S. Code 1681b.

EXPERIAN REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was the victim of a sextortion scam in which a person I believed I was engaging with privately online threatened to release intimate content of me unless I sent them money through XXXX. Under coercion and emotional duress, I sent [ insert amount ] to the scammer via XXXX. 

After realizing this was a scam, I immediately reported the incident to XXXX and requested a charge reversal. Despite explaining that this was not a voluntary transaction but rather the result of extortion and criminal threats, XXXX denied my dispute. They cited that the transaction was authorized, even though it was done under pressure and manipulation, which I believe constitutes fraud and coercion. 

I have filed ( or am in the process of filing ) a police report and am willing to share documentation of the scam. The scammer used deception, threats, and fake identity to force me into making this payment. I am requesting that the CFPB urge XXXX to review their policy on scam-related payments and support victims of coercive fraud. 

I would like the payments reversed and the account of the scammer investigated and blocked. I am also concerned that XXXX XXXX have allowed this individual to use their platform despite fraudulent behavior. 

Company involved : PayPal , Inc. ( XXXX ) Approximate date of transactions:6/29/25-7/2/25 Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXXXXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-07-04 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: WI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HALLMARK HOME MORTGAGE LLC
State: FL

Complaint narrative:
I closed on a construction to perm loan on XX/XX/year>. I spent about {$120000.00} on the down payment, lot deposit, closing etc. The total loan amount is {$750000.00}. The initial builder/company we signed with was XXXX XXXX XXXX who is no longer in business. Hallmark then said we would like to move you to a new builder called XXXX XXXX. Little did we know it was run by the same people from XXXX XXXX XXXX who were taking people 's money and not finishing homes. Hallmark did not disclose any information on why the builder needed to be changed or why the 2 builders they approved were taking a suspicious amount of time to finish the build. 

Since it has been almost 4 years since closing, I dug up more info about XXXX XXXX XXXX and found the owner, XXXX XXXX was married to the loan officer I had during the approval process at Hallmark. Hallmark has said they have let this loan officer go but never disclosed why to the borrowers who are all suffering waiting for their homes and never seeing any progress because of a fraudulent builder.

I believe Hallmark knew of a lot of questionable and possibly illegal practices by both builders and just acted like everything was fine and got me to sign a construction phase extension agreement. There have been conversations with Hallmarks counsel that I have had that lead me to believe they knew of the wrong doings by the builders they were approving and did not disclose it.

We are now in a position where the home is barely 40 % complete and now ANOTHER builder is being suggested by Hallmark to complete the build since ICON is out of business. These builders from ICON 3 are now asking for {$130000.00} more to complete the build. So to recap the first builder was Steel X > ICON > ICON 3. All parties in these companies are involved and Hallmark continues to use these parties knowing there are dozens of other borrowers without homes or even permits after years.

Hallmark was also negligent with the construction draws- vague invoices from ICON reveal they were most likely front loading costs on the project and taking extra money yet Hallmark was blind to that. There are many things that Hallmark knew about regarding these parties involved and nothing was ever disclosed to borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. The inquiry was made by XXXX ON XX/XX/year> XXXX ON XX/XX/year> XXXX ON XX/XX/year> and I have no knowledge of or prior contact with this company. I was not contacted by phone, text, or email to verify any application or transaction related to this inquiry. 

This unverified inquiry is negatively affecting my credit score and raises concerns about potential identity theft or improper access to my credit information.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be removed from my credit file immediately. Please conduct an investigation and provide documentation of any authorization I may have supposedly provided. If none exists, I request that the inquiry be deleted and a corrected copy of my credit report be sent to me. 

Please also provide written confirmation once the inquiry has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. The inquiry was made by XXXX ON XX/XX/year> XXXX ON XX/XX/year> XXXX ON XX/XX/year> and I have no knowledge of or prior contact with this company. I was not contacted by phone, text, or email to verify any application or transaction related to this inquiry. 

This unverified inquiry is negatively affecting my credit score and raises concerns about potential identity theft or improper access to my credit information.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be removed from my credit file immediately. Please conduct an investigation and provide documentation of any authorization I may have supposedly provided. If none exists, I request that the inquiry be deleted and a corrected copy of my credit report be sent to me. 

Please also provide written confirmation once the inquiry has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation