vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
debt paid to original debtor, this collection agency is trying to still collect and refuses to remove it from my credit report. I have attached proof the original debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Credit Acceptance Corporation is reporting a XXXX day delinquency on my XXXX credit report ( see attached ), which I pulled on XX/XX/XXXX. I disputed this incorrect information on XX/XX/XXXX and there was reportedly an investigation which resulted that the information was correct ( see attached ). At no time has my account with Credit Acceptance Corporation been 60 days lates as is reflected on my XXXX credit report. Information reported by creditors to credit agencies must be correct and if it is not, the incorrect information must be 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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this dispute to challenge fraudulent accounts that have been wrongfully attached to my credit file. These accounts are not mine, were never authorized by me, and are therefore entirely false. Their continued reporting is highly damaging, creating a distorted and inaccurate version of my financial history.

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 2025-09-23 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
There are now XXXX hard inquiries from Hyundai within XXXX hours on my XXXX There are now XXXX hard inquiries from Hyundai within XXXX hours on my XXXX There are now XXXX hard inquiries from Hyundai within XXXX hours on my XXXX Remove the duplicates. I contacted Hyundai XXXX XXXX by phone who transferred me to Hyundai Consumer Affairs who transferred me back to XXXX and they claim they don't know who to contact to get the duplicate inquiries removed. Dealership says its in XXXX XXXX hands. 

Yes, we wanted to lease a car and we are trying to so running credit is normal. But not this many times. 

Again - Remove the duplicate inquiries. XXXX hard inquiries for the purpose of leasing a car is unnecessary and harmful to my 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 2025-09-23 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: MA

Complaint narrative:
XXXX XXXX XXXX is reporting a XXXX day delinquency on my Equifax credit report ( see attached ), which I pulled on XX/XX/XXXX. I disputed this incorrect information on XX/XX/XXXXXXXX XXXX XXXX  and there was reportedly an investigation which resulted that the information was correct ( see attached ). At no time has my account with XXXX XXXX XXXX been XXXX days lates as is reflected on my Equifax credit report. Information reported by creditors to credit agencies must be correct and if it is not, the incorrect information must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
Subject : Complaint Regarding Vanilla Gift Card {$500.00} Lost Funds Hello, On XX/XX/year>, I withdrew {$1000.00} from my XXXX XXXX account and purchased XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These cards are advertised on XXXX, so I believed they were a reliable product. 

XXXX of the cards was damaged. As shown in the attached photo, the last XXXX digits were scratched off when I removed it from the sealed envelope. Because of the packaging, there was no way to inspect the card before purchase. Without the last XXXX digits, the card can not be activated or used. 

I reported the issue through Vanillas website and followed their instructions to submit photos of the damaged card. However, weeks later I received only a generic email from InComm Payments stating my case was closed, with no replacement or refund. 

" XXXX XXXX XXXX, We are writing to inform you that we have completed our investigation regarding your card issue, XXXX. 

We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, unfortunately we are unable to approve your case and it has been closed. If there was a balance on the card ( XXXX ) at the time you reported your claim, a replacement card with your available balance has been shipped to you. The replacement card should be received within XXXX to XXXX business days. Please refer to the cardholder agreement as it relates to unauthorized transactions. Any problems or disputes you have regarding a purchase should be addressed directly with the merchant. 

We appreciate your business and value you as a customer. If you have questions or concerns, please contact customer service at the number on the back of your original card. 

Sincerely, Incomm Payments " When I tried calling their customer support ( XXXX ), there was no way to reach a live representative. XXXX also refused to assist me, directing me back to Vanilla. 

As a result, I am unable to access the {$500.00} loaded on the damaged card. I have attached : Photos of the damaged card ( front and back ) My XXXX XXXX statement showing the {$1000.00} withdrawal on XX/XX/XXXX There were no warnings that a damaged card would make the funds permanently inaccessible, and I believe this is an unfair practice. I am requesting CFPBs assistance in recovering the {$500.00} balance from this Vanilla Gift Card. 

Thank you for your help. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a dispute of fraudulent accounts currently being reported under my name. I did not authorize, open, or use these accounts, and their inclusion is false and harmful. They create an inaccurate image of my credit profile and are causing unjust damage to my financial reputation.

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 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United PanAm Financial Corp.
State: MA

Complaint narrative:
Not willing to work with me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I had to come up with {$500.00} which {$400.00} was for my loan. If I didn't get the bike out I would be taken to court and it would've been even more money. Then I had my gas turned off so I needed money to put that on. Was just having a rough XXXX months. I tried to work with them but they want the {$660.00} no exceptions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
XXXX'I DO NOT RECOGNIZED THESE INQUIRIES ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION.'

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 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They pre authorized my XXXX XXXX XXXX and i got approved by XXXX XXXX XXXX. I paid them {$500.00} deducttable via creit card to them, I enter facility knowing, my insurance pay. Now i see this colletion. its not my fault. they did worked with my XXXX XXXX XXXX before i enter thier program. I am not resposible for thier faulty accounting work. they made error.I did not enter thier program on credit. insurance garnteed them. They did not loan me thier services, they pre athorized my mediacal insurance then aproved me. This is scam. it was not situation that get service XXXX and pay later. its thier fault. please work with XXXX XXXX XXXX XXXX XXXX. Send me itemized bill or any record they might have on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CBC Companies, Inc.
State: MS

Complaint narrative:
i am requesting copies of my full file disclosures from innovis and XXXX XXXX that are required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I disputed XXXX transactions on my PNC credit card. These took place on XXXX XXXX. I called PNC when I received my bill. On XX/XX/XXXX, I received a letter that the company would investigate. I talked to a woman in the dispute resolution department about XX/XX/year>. She said someone would call me after my claim was investigated. On XX/XX/scrub>XXXX XXXX XXXX I received a letter indicating that I made these purchases and need to pay for them on my next bill. 
I tried to explain that I do not buy anything at these places. I was told that my credit card was used because the chip was at these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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: OK

Complaint narrative:
This is a continuation of my prior CFPB complaint regarding the reporting of the above-referenced account. XXXX XXXX submitted documentation in response to my initial complaint earlier this year, including the Loan Agreement, Truth-in-Lending Disclosure, and a verification letter ( attached as Exhibit A ). While they assert the account is accurately reported, their response demonstrates significant ambiguities and weaknesses, which render the tradeline misleading, inaccurate, and harmful under the Fair Credit Reporting Act ( FCRA ). 

Detailed Explanation of Ambiguity, Misleading Reporting, and Harm : Ambiguous Contractual Language Regarding Post-Charge-Off Interest The Loan Agreement indicates interest accrues on the outstanding balance until the loan is repaid. 

Nowhere does the contract explicitly authorize interest to accrue after charge-off or default. 

XXXX XXXX continued reporting of post-charge-off interest relies on vague, general language ( interest accrues until paid ), which is insufficient verification under FCRA 623 ( a ) ( XXXX ). 

Discretionary / Waivable Interest XXXX XXXX admitted in prior correspondence that post-default interest can be waived as part of a settlement. 

Because the reported balance is negotiable and not fixed, representing it as a definitive figure to the credit bureaus is misleading under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Ongoing Misleading Reporting and Recent Delinquency XXXX XXXX continues to report the account each month in a manner that appears as a recent delinquency, despite the account being charged off. 

This ongoing reporting is directly harming my ability to obtain credit, including mortgage applications and other loans, by inflating risk perceptions inaccurately. 

Such reporting is misleading and inaccurately reflects my financial obligations, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ). 

Requested Resolution : Given the ambiguity of the contract, the discretionary nature of the post-charge-off interest, and the misleading reporting of recent delinquencies, I request that XXXX XXXX be required to : Provide specific contractual language authorizing post-charge-off interest, along with detailed calculations of how the reported balance was determined ; or Delete the tradeline entirely from all credit reporting agencies ; or XXXX XXXX  prior response ( attached ) fails to substantiate the accuracy of the reported balance, and continued reporting of this misleading tradeline is harming my credit and violating federal 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 2025-09-23 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: OK

Complaint narrative:
This is a continuation of my prior CFPB complaint regarding the reporting of the above-referenced account. XXXX XXXX submitted documentation in response to my initial complaint earlier this year, including the Loan Agreement, Truth-in-Lending Disclosure, and a verification letter ( attached as Exhibit A ). While they assert the account is accurately reported, their response demonstrates significant ambiguities and weaknesses, which render the tradeline misleading, inaccurate, and harmful under the Fair Credit Reporting Act ( FCRA ). 

Detailed Explanation of Ambiguity, Misleading Reporting, and Harm : Ambiguous Contractual Language Regarding Post-Charge-Off Interest The Loan Agreement indicates interest accrues on the outstanding balance until the loan is repaid. 

Nowhere does the contract explicitly authorize interest to accrue after charge-off or default. 

XXXX XXXX continued reporting of post-charge-off interest relies on vague, general language ( interest accrues until paid ), which is insufficient verification under FCRA 623 ( a ) ( XXXX ). 

Discretionary / Waivable Interest XXXX XXXX admitted in prior correspondence that post-default interest can be waived as part of a settlement. 

Because the reported balance is negotiable and not fixed, representing it as a definitive figure to the credit bureaus is misleading under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Ongoing Misleading Reporting and Recent Delinquency XXXX XXXX continues to report the account each month in a manner that appears as a recent delinquency, despite the account being charged off. 

This ongoing reporting is directly harming my ability to obtain credit, including mortgage applications and other loans, by inflating risk perceptions inaccurately. 

Such reporting is misleading and inaccurately reflects my financial obligations, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ). 

Requested Resolution : Given the ambiguity of the contract, the discretionary nature of the post-charge-off interest, and the misleading reporting of recent delinquencies, I request that XXXX XXXX be required to : Provide specific contractual language authorizing post-charge-off interest, along with detailed calculations of how the reported balance was determined ; or Delete the tradeline entirely from all credit reporting agencies ; or XXXX XXXX  prior response ( attached ) fails to substantiate the accuracy of the reported balance, and continued reporting of this misleading tradeline is harming my credit and violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
Multiple hard inquiries from unknown sources Credit account that should have fallen off my credit report is still reporting. 
Account sold to a third party without my consent

Company response to consumer: Closed with explanation