vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
CEASE AND DESIST NOTICE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> RE : CEASE AND DESIST UNAUTHORIZED AND FRAUDULENT CREDIT REPORTING To Whom It May Concern, This correspondence serves as a formal demand and legal notice requiring XXXX / XXXX Banks to immediately cease and desist from reporting, publishing, or otherwise using false, inaccurate, and unauthorized information relating to my credit file. 

The information you have reported is erroneous and fraudulent and constitutes a violation of : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) Prohibiting inaccurate reporting of consumer credit information.

15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) Prohibiting false representation of debts not owed. 
State Consumer Fraud and Deceptive Business Practices Laws Prohibiting misrepresentation and harm through false credit reporting.

I hereby demand : 1. Immediate removal of any and all false credit information relating to me that your company has reported to any consumer reporting agency ( XXXX, XXXX, XXXX, or others ).

2. Written confirmation within thirty ( 30 ) days of receipt of this Notice that the above information has been corrected and permanently deleted.

3. Cessation of all collection activity, correspondence, or further attempts to validate or enforce false claims. 

Failure to comply with this Notice will result in legal action against XXXX XXXX XXXX Banks, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. 
Civil action in state or federal court seeking damages, attorney fees, and all other remedies provided under law. 

This Notice serves as a final warning. Continued willful misrepresentation and harassment will be taken as evidence of bad faith and malicious conduct. 



Reservation of Rights I reserve all rights under UCC 1-308 and common law. Nothing herein shall be construed as consent to any claim, contract, or obligation that does not lawfully exist. 



Sincerely, XXXX XXXX XXXX Living Man / Secured Party Creditor 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I want you to reopen this case : XXXX, you closed it based on the companies response, you told me that they had communicated with me and resolved this issue. The fact is that you closed this a week ago, I have never received anything from this BOA, you should have asked me if this was resolved before closing it, instead you closed it to favor the creditor, even though nothing has changed since I filed the complaint, nothing has been communicated to me from Bank of America were still in the same spot when I filed the original complaint. This shouldn't be this difficult, all I want is the ability to make extra payments towards the debt, currently, they are blocking me from doing this, which in turn creates additional interest accumulating on this account. if the CPFB has become nothing more than an empty vessel to support companies like BOA with gauging consumers then let me know not to waste my time. If so, I will begin a campaign to call out the CPFB and BOA on Social Media, and will seek legal action against XXXX XXXX and BOA. I shouldn't even have to be filing this complaint, I'm wanting to pay them, they are blocking me from paying on their website, thus forcing me to absorb interest, it's a SCAM. I want this reopened, I want CPFB to do their job, you should be helping consumers, not assisting people like XXXX in gauging consumers.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In reviewing my credit report, I identified multiple issues that I believe are inaccurate or unauthorized. Specifically : Several hard inquiries were made on my credit file without my knowledge or consent, including inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries occurred on various dates between XX/XX/XXXX and XX/XX/XXXX. 
My report also lists multiple incorrect name variations and outdated addresses that I have never used or no longer reside at. These include combinations such as XXXX XXXX, XXXX XXXX, and addresses in XXXX and XXXX, PA, which are no longer accurate. 
In addition, there is a closed account from XXXX XXXX XXXX reporting a past due balance or negative status. I believe the payment history and reporting may be inaccurate and not reflective of the actual terms and fulfillment of the account.

I have not authorized these credit inquiries and have taken no recent actions that would justify them. I am requesting a reinvestigation into all disputed information and removal of any item that can not be verified.

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 2025-08-02 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got charge a XXXX service fee because they claim that me daily balance drop to {$400.00} for 1 day in 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 monetary relief
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for continuing to report inaccurate, unverifiable, and unauthorized items on my credit report despite receiving a formal written dispute and cease and desist letter.

I am a victim of a recent data breach, and TransUnion has a legal duty under 15 U.S.C. 1681e ( b ), 1681g, and 1681c-1 to ensure the maximum possible accuracy of my credit file, especially when fraud risk is elevated. 

Disputed items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with no documentation or verification - Current/EBFF : Reported as both Paid and Charged Off a factually inconsistent and misleading entry - XXXX XXXX : Misaligned charge-off and balance data, no contractual evidence provided - XXXX XXXX : Listed as a collection with no support or validation - Multiple unauthorized hard inquiries from companies like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

None of these items have been properly investigated or validated, despite my formal demand. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that all unverifiable, misleading, or unauthorized items be removed immediately and permanently.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app and chime are the banks Ive been having issues with. I cant cash paper checks anymore, but i used to be able to. I cant get a cash app card not sure why. just a lot of things, & I heard I might be eligible for compensation due to a recent lawsuit, so Im submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
I am writing to formally request an immediate discharge of my federal student loan ( s ) due to a serious violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and a related data breach involving my personal and academic information.

Recently, I was made aware that my private educational records were improperly disclosed and/or exposed during a data breach involving [ Name of School or Institution ]. This incident has caused significant emotional distress, potential financial harm, and a violation of my legal rights under FERPA, which mandates the protection of student records and personally identifiable information.

As a result of this breach, I believe I am entitled to relief, including a discharge of my student loan obligations associated with the institution responsible for the violation. I respectfully request that your office urgently investigate this matter and begin the process for discharging my loans on the grounds of the FERPA violation and breach of data security. I have attached any available
documentation related to the breach and would be happy to provide more information or answer any questions you may have. 

Thank you for your time and urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
I am writing to formally request an immediate discharge of my federal student loan ( s ) due to a serious violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and a related data breach involving my personal and academic information.

Recently, I was made aware that my private educational records were improperly disclosed and/or exposed during a data breach involving [ Name of School or Institution ]. This incident has caused significant emotional distress, potential financial harm, and a violation of my legal rights under FERPA, which mandates the protection of student records and personally identifiable information.

As a result of this breach, I believe I am entitled to relief, including a discharge of my student loan obligations associated with the institution responsible for the violation. I respectfully request that your office urgently investigate this matter and begin the process for discharging my loans on the grounds of the FERPA violation and breach of data security. I have attached any available
documentation related to the breach and would be happy to provide more information or answer any questions you may have. 

Thank you for your time and urgent attention to this matter.

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 2025-08-02 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: CA

Complaint narrative:
I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ], which requires a reasonable reinvestigation of disputed credit information. 

I disputed the following items on my Equifax credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Equifax sent me a letter stating my dispute was considered " XXXX  '' and would not be investigated further. However, they previously claimed these accounts were not reporting which was false. I submitted new information, and their refusal to investigate violates the FCRA. 

Meanwhile, Equifax deleted another account ( XXXX XXXX XXXX XXXX ) on XX/XX/year>, based on my prior dispute. This shows they are inconsistently handling disputes and failing to apply fair procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received marketing materials from " Sun Loan ''. Within the marketing material included a " check '' in the amount between {$700.00} - {$1200.00} ( hiding the true amount so as to not reveal my identity ), with the words, " This is a Real Check '' printed on the front. 

The receiver of this packet would be able to endorse the back of the check, then supposedly cash the check. The APR of this personal installment loan was approximately 102 %.

This is an obscene marketing ploy, with no regard for the safety of the intended receiver. Had this " check '' been intercepted, it may be possible that a loan would be taken under my information by an unauthorized third-party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
On XX/XX/year> I sent the following email response to an email that National Recovery Agency in reponse to them saying I owed a debt. I never received a follow up in the mail validating the debt as I requested. They have since included it as a debt being reported on my Equifax credit report.

Dear National Recovery Agency, I am writing in response to your recent communication regarding an alleged debt referenced in your recent communication associated with Account Number XXXX and a claimed balance of {$340.00} allegedly owed to PECO. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide full validation and proof of the debt you claim I owe. I am asserting that this is not my debt. I have never incurred nor acknowledged this alleged obligation. Accordingly, and pursuant to 15 U.S.C. 1692g, you are now legally obligated to cease all collection efforts immediately until you provide the following : 1. A complete and itemized breakdown of the amount you claim is owed, including principal, interest, fees, and all other charges. 2. A copy of the original signed agreement or contract creating the alleged obligation, bearing my name and signature. 3. All documentation proving the chain of ownership and legal assignment of the alleged debt to your agency. 4. The name and address of the original creditor, and any evidence indicating I had an account or business relationship with them. XXXX. Proof that I am legally responsible for this debt, including a legal explanation for why you are attempting to collect a debt that has already been adjudicated and via a prior CFPB complaint. Be advised that reporting, pursuing, or attempting to collect a debt already determined to be unfounded or not attributable to me constitutes a willful violation of the FDCPA and the FCRA. If this matter is not immediately resolved and this invalid debt is not withdrawn, I reserve the right to pursue legal remedies including, but not limited to, filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), my State Attorney General, and initiating a civil action under 15 U.S.C. 1692k for actual damages, statutory damages, and attorneys fees. Until this information is provided, I do not acknowledge any liability or obligation regarding this debt. This letter is issued without waiver of any rights, claims, or defenses. No part of this communication shall be construed as an admission of liability or validity of the alleged debt. Please respond to this request in writing only. Do not contact me by phone. I expect a timely response in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
My account with XXXX  XXXX, XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CMM Finance, Inc.
State: AL

Complaint narrative:
The proceeds from the sale of the vehicle will go towards your balance owed. If we receive less than you owe you will owe us the difference. If we get more than you owe you will get the difference unless we must pay it to a third party who has an interest. is what is showed in the email I called about getting a check for the remaining balance but they continued to blow me off to paying the remaining balance of XXXX I know what I have to pay that wasnt what I was calling for I was calling about the surplus but the car was sold for XXXX $ After all of the fees and everything the total look like it should be XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
I did not authorize the following hard inquiries. These inquiries are damaging and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX, XXXX, XXXX. 

2. Incorrect Personal Information ( FCRA 609 ( c ) ( 1 ), 611 ) My credit report contains outdated or incorrect addresses. These must be corrected or removed immediately to ensure accuracy.

3. Fraudulent / Not Mine Accounts ( FCRA 611, 623, 605 ) The following accounts are either fraudulent, not mine, or unverifiable. If you can not produce signed original contracts, they must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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