vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Let me be absolutely clear this is not a misunderstanding or a minor error. This is incorrect reporting that affects my creditworthiness and violates the standards set by the Fair Credit Reporting Act ( FCRA ), particularly the requirement that all information must be accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2025-06-16 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: Experian Information Solutions Inc.
State: FL

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

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

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

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

Company 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 2025-06-16 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: FL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'fruad transactions \nXXXX XXXX XXXX XXXX\naccount number-\nmerchant XXXX XXXX  \nFRAUD TRANSACTIONS XXXX2025 $XXXX \nXXXX/2025 $XXXXn\nXXXX2025 $XXXX\nXXXX/2025 XXXX\nXXXX2025 XXXX\nXXXX/2025 $XXXX\nXXXX2025 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I have a Raymour and Flanigan credit card issued through XXXX XXXX XXXX XXXX. I've always maintained excellent credit and have never missed a promotional payoff period before. In this case, the terms of the agreement were not clear to me when I made a second purchase. It was not made clear when I made the purchase online that each purchase would carry its own separate promotional financing period, and I believed the earlier balance would be included under the new promotional timeline. As a result I was unexpectedly charged a large amount of retroactive interest after the original promotional period ended.

I contacted TD Retail Card Services to request a one time goodwill adjustment, as I have always paid on time and am in good standing. I was told that because the promotional period ended more than 30 days ago there is no way to reverse the charges. I also reached out to my local TD Bank Branch where I hold a checking account, to see if someone could assist or advocate on my behalf. I was again told that no appeal or reconsideration process is available. 

While I understand that there are terms associated with promotional financing, I believe the way there were applied across multiple purchases was unclear. I also believe that the penalty is disproportionate given my long history of responsible account management. I am requesting that TD bank provide a one time promotional reinstatement or waive the retroactive interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/year> XXXX XXXX was repossessed. I contact Kia on XX/XX/XXXX to make a payment XXXX. Made the payment and customer service agent said it would be XXXX hours. It has been over a week and I have been transferred to different departments. No one has been assisting us. They continue to put us on hold and transfer. My car has been in the possession of the company now for 14 days. Kia is not doing anything to assist me to retrieve my car. I paid the money that was agreed upon and still no results

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-16 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: MS

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX : {$3500.00}, Open Date XX/XX/XXXX XXXX XXXX XXXX : {$2300.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX : {$240.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1200.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX {$500.00} Open Date XX/XX/XXXX XXXX Balance : {$470.00} Open Date XX/XX/XXXX Inquiries 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

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CO ( XXXX XXXX XXXX XXXX ) and financed it through Credit Acceptance Corporation. I paid {$3000.00} down, and after XXXX XXXX XXXX XXXX months of payments, I still owe over {$13000.00} on a vehicle now worth less than {$3000.00}. 

The dealer told me this loan was my only option to rebuild credit and pressured me into accepting the terms, presenting it as a XXXX opportunity. I now believe this was a high-pressure tactic used to push a predatory loan. 

Immediately after purchase, the car began burning XXXX quarts of oil every week or XXXX. At first, I assumed this was typical for older XXXX based on what I read online. I now understand this is an abnormal and costly issue that should have been disclosed. I couldnt afford formal service or repairs, so I just kept adding oil to keep it running. 

The car now has a clogged catalytic converter due to the oil problem, and Im facing wage garnishment while still making car payments. I believe the vehicle had a major defect from the start and the loan structure was designed to trap buyers with poor credit.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PLANET HOME LENDING, LLC
State: AL

Complaint narrative:
" This is a follow-up to complaint # XXXX. The companys response confirms FCRA and Metro 2 violations but the CFPB marked the issue as closed. I am submitting new evidence and seeking regulatory enforcement. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I am submitting this second complaint regarding an inaccurate and damaging " charge-off '' reported by TransUnion on behalf of XXXX XXXX XXXXXXXX XXXX Despite a detailed and well-documented dispute submitted on XX/XX/year>, TransUnion continues to report this account inaccurately, failing to correct multiple critical errors that violate the Fair Credit Reporting Act ( FCRA ). 

Among the issues : The Date of First Delinquency ( DOFD ) is missing. 

There is no Account Closing Date, though the account is marked as closed. 

The legally required XXXX  dispute code is absent.

The Payment Rating field is incomplete. 

The MOP history improperly begins charge-off reporting without showing the required XXXX delinquency progression. 

These inaccuracies violate : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) failure to delete inaccurate info after reinvestigation.

15 U.S.C. 1681i ( c ) omission of the XXXX code during dispute. 

15 U.S.C. 1681s-2 ( b ) failure by the furnisher to update or correct.

15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) mi
ssing DOFD and DLA that determine obsolescence.

TransUnion is also inconsistent in how this account appears compared to XXXX  and XXXX, which creates further harm and violates 1681s-2 ( a ) ( 1 ) ( A ).

This unresolved situation is causing serious emotional and psychological stress. I am doing my best to maintain mental and financial stability, but the unjust reporting of this inaccurate charge-off is undermining my efforts. I experience constant anxiety over my credit and its consequences for my housing, employment, and peace of mind. 

As confirmed in XXXX v. TransUnion and XXXX v. XXXX, failing to properly reinvestigate and delete clearly inaccurate accounts is a direct FCRA violation.

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CIBC BANCORP USA INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding the recent and unexplained closure of my account with CIBC US.

Not sure when I found out. I discovered that my account had been closed without any prior notice, explanation, or communication from the bank. I had maintained the account in good standing and was not really informed of any issues, violations, or suspicious activity that would warrant such an action. When I contacted CIBC US for clarification, I was either redirected without answers or told that no information could be provided regarding the closure.

This has caused significant disruption and inconvenience, especially as I rely on this account for daily transfers between my US account and XXXX XXXX. I am requesting that the CFPB investigate this matter, as the lack of transparency and communication raises serious concerns about fair treatment and proper handling of consumer accounts. 

I would appreciate any assistance in obtaining a formal explanation for the account closure and ensuring that any funds remaining in the account are returned to me without further delay. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
ASSOCIATED Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
ASSOCIATED Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation