vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spero Solutions, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. An auto loan account was fraudulently opened in my name without my knowledge or consent. I never applied for, signed for, or authorized this loan. 
Account type : Auto loan Original balance : {$8200.00} Charged-off amount : {$5000.00} XXXX updated : XX/XX/year> This account is completely fraudulent. I was not involved in this transaction, I did not receive or benefit from any loan, and I do not know who used my information to create it. The continued reporting of this account is causing significant damage to my credit standing and financial opportunities. 
The Federal Trade Commission directed me to file this complaint with the CFPB regarding this fraudulent account. I have government-issued identification available to prove my identity. 

Requested Resolution : Immediate investigation into this fraudulent auto loan.

Permanent removal of this account from all credit bureau reports XXXX XXXX XXXX XXXX XXXX

Written confirmation that I am not liable for this debt. 
Notice from the creditor and credit bureaus once this account has been deleted. 
This account is a direct result of identity theft, and its reporting violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
Victim of Data Security Breach : XXXX XXXX XXXX XXXX Customer No. XXXX ( U.S. District Court for XXXX XXXX XXXX of Georgia ) Violations are : Failed to Maintain the Maximum Possible Accuracy : 15 USC 1681 ( s-2 ) b Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant ), declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief.

II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink.

b. The XXXX  data breach exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file.

III. Identified Fraudulent Accounts I have personally reviewed my consumer credit report ( s ) prepared and distributed by XXXX  XXXX. I have identified the following fraudulently information : 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

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 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NC

Complaint narrative:
I am filing a complaint against my student servicer for repeatedly reversing my payments without providing any explanation.Despite having sufficient funds in my bank account and providing accurate information, the servicer has continued to reject or reverse my payments.As a result of these reversals, my account has been reported as delinquent and has affected my credit score in a negative way. I am concerned that the ongoing mishandling of my payments will continue to affect me negatively until this issue is resolved. I have both verified my bank account information and made sure to have sufficient funds in my account at the time of each attempted payment. 
Although I acknowledge there were times i was late, I made multiple payment attempts within the 90 day window before serious delinquency status. The servicer reversed these payments without cause, which made it appear as if i was further behind on my loan than i actually was. This has unfairly increased the negative impact on my credit report and worsened my repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
I NOTICED THAT I AM A VICTIM OF IDENTITY THEFT. I LOOKED AT MY CREDIT REPORT AND NOTICED A COLLECTION FROM XXXX  XXXX XXXX FOR {$500.00}. I DID NOT AUTHORIZE THIS LOAN, SOMEONE STOLE MY INFORMATION AND HACKED MY ACCOUNT. PLEASE DELETE THIS COLLECTION OFF MY CREDIT REPORT ASAP IT WAS NOT ME. THANK YOU SO MUCH.

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 2025-08-31 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: NC

Complaint narrative:
I NOTICED THAT I AM A VICTIM OF IDENTITY THEFT. I LOOKED AT MY CREDIT REPORT AND NOTICED A COLLECTION FROM XXXX  XXXX XXXX FOR {$500.00}. I DID NOT AUTHORIZE THIS LOAN, SOMEONE STOLE MY INFORMATION AND HACKED MY ACCOUNT. PLEASE DELETE THIS COLLECTION OFF MY CREDIT REPORT ASAP IT WAS NOT ME. THANK YOU SO MUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received a fraud alert from my bank Huntington @ XXXX for a purchase at a XXXXXXXX XXXX XXXX for XXXX. I did not see this until XXXX am, I replyed NO to respond that the charge was not me using my card. I received a message stating they suspected Fraud the card was locked and to call Fraud Prevention. I called when I woke up at XXXX am and notice my account then had been used for the same merchant XXXX XXXX XXXX in the same amount of {$79.00} back to back with the exception of XXXX charge of {$69.00} which was from the same merchant causing an negative amount of {$770.00}. I spoke to a Fraud Prevention specialist who took the information closed the card, but told me to call back to dispute the charges once the charges went through because they are pending. This was alarming to me since it is Sunday the bank is closed for the labor day holiday on Monday, this would mean I would have to wait. This process did not make any sense because Im calling in as instruction doing preventative action. I asked to speak to a Supervisor, her name was XXXX dispute supervisor I asked for any other info that would ID who I was speaking with, she told me there was none. She explained they could not dispute the charges because they are pending I would have to call back once they went through. I explained to her this process was not protecting the consumers money, as the account holder I am doing my due diligence by calling in following procedure if my paycheck which is direct deposit to this account comes in Huntingon will take XXXX which has a snowball effect on the account holder. The account holder then has to delay paying bills out that may result in items being late. This Supervisor told me yes we will take your money while we figure out the dispute and more over I still had to call back again to do that. I let her know this was unacceptable since I was on the call right now at this time informing them this was fraud to the Fraud department. More alarming in the last 60 days I have had 3 cards hacked in their intitution. I also questioned how would this not be an suspicion of fraud because charges are showng back to back rapidly for the same amounts, how do you not have fail safes or notice the pattern. Her reply was this would not be a pattern of fraud they would look at, which I replied your are telling me as a account holder in your bank my money is not safe with your institution because you will allow any charge no matter what pattern is showing to be hacked. This Supervisor offered no resolve or assurance the problem would be addressed. I asked for a supervisor over her mananger to which she offered a complaint to be filed with a XXXX hour call back. This is completely unacceptable this institution has failed on every level to protect me & my money from fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the reporting by Credit Acceptance Corporation on my credit report. This account is being falsely reported as late each month despite the fact that I am on a valid payment arrangement directly with the creditor.

Credit Acceptance and I agreed to a modified bi-weekly payment arrangement for a set amount that differs from the original contract terms. I have been making consistent, timely payments under this agreement. Despite honoring this arrangement, Credit Acceptance continues to report me as delinquent every month, which is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 regarding the duty of furnishers to report accurate information.

This reporting is damaging my credit profile and does not reflect the actual status of my account. By continuing to report late payments while I am paying under an agreed arrangement, Credit Acceptance is furnishing incomplete and inaccurate information to your bureau.

I am demanding an immediate investigation into this matter. If the creditor can not verify the accuracy of the negative marks with full documentation of my supposed delinquency ( including proof that my modified payment arrangement is not valid ), then these late notations must be deleted immediately from my credit file. 

I expect your reinvestigation results within the 30 days required by law. If this inaccurate reporting is not corrected, I will not hesitate to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please send me a written confirmation once this account has been corrected or deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Dept of Ed/ Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2025 false and inaccurate information of XXXX due of 120 day late payment and also another XXXX due which is also inaccurate. 

Actions took by the recipient - Demand to Cease and Desist Defamation and Harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: PA

Complaint narrative:
The APR on my account was raised from 13.49 % to 18.49 % ( on new purchases ) for basically no reason. I have been an account holder for nearly 20 years with Ameriprise ( XXXXXXXX XXXX  ). I have not been late on payments in that time. I have not been late on payments to other creditors, mortgage payments, or utility payments. I have not had any Hard Inquiries on my credit report except for applying for a XXXX 's store card in XXXX. Prior to that no hard inquiries are listed on my XXXX credit reports. My credit score is approximately XXXX at the time this happened and has since dropped by XXXX points to approximately XXXX. There is no other reason my credit score would have dropped except for the actions by XXXX XXXX XXXX 

I called Ameriprise on XX/XX/XXXX at XXXX and spoke with a representative at that time. I was told nothing could be done to lower the APR from 18.49 %. I was transferred to a supervisor whom also told me nothing could be done to lower the APR and I was given the address of the president of XXXXXXXX XXXX if I wished to write a letter to them. 

The supervisor, in not so many words, told me that the reason for the increase in the APR was to get people to quit using their credit card and to encourage them to discontinue using the Ameriprise credit card supplied through XXXXXXXX XXXX 

I feel this is a predatory practice by XXXXXXXX XXXX and is unjustified.

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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX i received a response to my original complaint and asked capital one to reopen my account i was told they could reopen one but not the other due to it being secured. I was fine with the decision but now capital one is not honoring the decision i received in the letter. On the letter i received I was told to complete the process which i did and was told by the representative that I had to wait 7-10 business days, I then received a letter stating my account would remain closed due to not responding to communication but when i did i was told to wait and call back. So i called capital One again and after being transferred 3 times I was told they have to submit another request because no one besides the last rep that i spoke to could tell me they called me but had an outdated phone number which I do not believe because you need your Phone to log in and i received text from Capital one when my account was open. All i wanted was my Capital one card reopened. I am looking to buy a house and this hurt my credit.I attached the letter stating they would reopen my account, them testing telling me my card was shipped in XXXX so they had to have my correct phone number and the letter I received today stating they wouldnt reopen for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-08-31 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: FL

Complaint narrative:
This is a supplemental complaint to CFPB Case # XXXX, originally filed on XX/XX/year>, regarding fraudulent accounts Equifax is still reporting and their failure to block those accounts under FCRA 605B ( 15 U.S.C. 1681c-2 ).

New Evidence : Fraudulent Bank Accounts Opened in My Name I recently became aware that fraudulent bank accounts including XXXX at XXXX XXXX XXXXXXXX were likely opened in my name as part of the broader identity theft scheme that led to the disputed XXXX and other loan accounts. 

To document this, I have submitted a new FTC Identity Theft Report ( # XXXX ) outlining the fraudulent bank accounts. It is my belief that these accounts were used to receive the disbursed loan funds from the fraudulent credit accounts that were opened without my consent. 

Comparison : XXXX  Has Complied For reference, XXXX  has already reviewed the same identity theft package and has fully complied with FCRA 605B by blocking the fraudulent accounts within the required time frame.

Company response to consumer: Closed with non-monetary relief