vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Karwaala Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX Abusive Lending & Improper Use of XXXX  Switch Dear Sir or Madam, I am filing a complaint against XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, Phone : XXXX ) for predatory auto financing and abusive use of a starter interrupt device. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) under a Motor Vehicle Retail Installment Sales Contract. The contract included disclosure of a starter interrupt/kill switch device. However, the dealership and/or lender has used this device in ways that go beyond the agreed terms. 



Issues : XXXX. Abusive Use of Kill Switch Device The dealership/lender has remotely XXXX my vehicle at will, not solely for missed payments. 
This has created an ongoing risk of being stranded or unsafe, and makes me fearful of losing transportation even when I am paying. 
The practice feels retaliatory and harassing, leaving me powerless. 
XXXX. Predatory Loan Terms The financing is highly inflated : a 19.876 % interest rate and a total financed price of {$24000.00} for a XXXX XXXX XXXX with XXXX miles at purchase. 
I am paying {$490.00} per month, far exceeding the fair market value of this vehicle. 
XXXX. Deceptive XXXX Practices The dealership advertises that the owner is available anytime, but in reality, consumers are denied access and complaints are blocked at the dealer level. 
XXXX is limited, and I feel intentionally misled and silenced. 



Requested Relief : Investigate XXXX XXXX use of starter interrupt devices, including whether they are using them in violation of consumer protection and safety laws. 
Investigate whether the dealerships financing practices violate Texas consumer law and federal protections against abusive, unfair, or deceptive practices. 
Provide relief by voiding or restructuring this loan to reflect a fair market value and interest rate. 
Require this dealership to stop using starter interrupt devices as a harassment tool against consumers. 

I have attached a copy of my sales contract for review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
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 explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have continuously been getting calls from carters comenity bank. I have been telling them I do not have the funds at the moment but when I do, I plan on getting on a payment plan. Today my sister called me saying that they called her looking for me. I have never given permission for them to call relatives. No one is listed as another person on the account. I do not even know where they would have gotten her number from. I have concerns about privacy issues and lines being crossed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX has not been able to obtain my XXXXXXXX XXXX XXXXfrom the fraud case with XXXX I AM FILING THIS BECAUSE i DON'T BELIEVE XXXX will stand behind my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I am submitting this complaint regarding the Apple Card, issued by Goldman Sachs Bank USA. 

Background and Timeline XX/XX/year> : I requested enrollment in the Apple Card Customer Assistance Program due to ongoing medical bills and financial hardship. I was approved and told I could skip my XX/XX/year> payment. The enrollment confirmation email dated XX/XX/year> only stated that my XXXX payment would be skipped and that no interest would be charged for that cycle. It did not disclose any limitation about once-per-year eligibility. 

XX/XX/year> : I again sought assistance because my financial hardship continued. My application was denied. For the first time, I was told that customers can only participate in the program once every 12 months. This limitation had never been disclosed to XXXX in the XX/XX/year> email, nor in the Apple Cardholder Agreement Prior Complaint : I previously submitted a CFPB complaint about this issue. Goldman Sachs closed the complaint without addressing the central issue of nondisclosure. They asserted that the XX/XX/year> email outlined the programs terms. This is factually incorrectthe email has been uploaded multiple times as proof, and it contains no such limitation. 

Ongoing Issues Failure to disclose material terms The once per year restriction was never disclosed prior to my XXXX denial. 

Misinformation in complaint responses Goldman Sachs continues to claim that the XX/XX/year> email disclosed this restriction, despite clear documentary proof that it did not. 

Dismissal of legitimate complaints My previous CFPB complaint was closed without addressing the substance of my concerns, and the company continues to repeat false information. 

Harm caused by omission Had I known of the limitation, I would have chosen a longer-term hardship plan instead of a single-month deferral. The lack of upfront disclosure deprived me of an informed choice. 

Supporting Documentation ( attached ) Apple Cardholder Agreement No mention of any once per XXXX  months restriction XX/XX/year> enrollment confirmation email Program terms limited only to skipping the XX/XX/year> payment ; no mention of future eligibility restrictions Apple support email XXXX XX/XX/year> denial email Introduces the once per year limitation for the first time Apple support XXXX Requested Action I respectfully request that the CFPB review this matter and require Goldman Sachs to : Disclose all material limitations of its hardship programs upfront to consumers before enrollment. 

Stop providing misinformation in responses to consumer complaints. 

Reconsider my application for hardship assistance in light of the nondisclosure and repeated misrepresentation. 

Take corrective measures to prevent similar harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I asked for validation of these inquiries and never received it XX/XX/year>. The are many inaccurate things reporting on my credit about these inquiries which is causing harm. This is also causing a XXXX  XXXX as a XXXX veteran. There are also several fcra laws violations. Request all inquiries to be fully deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XX/XX/year> got a letter stating that modification was accepted after modification was completed and received XX/XX/year> During this time another company was expecting payment since XX/XX/year> and billed me XX/XX/XXXX with a preforclousure notice. Formal complaint attached and will be filed in Texas new York Florida and Pennsylvania

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-22 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: IL

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts reported on my credit file by TransUnion, Experian, and Equifax. I never provided written consent for these bureaus or furnishers to obtain or share my information, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). My credit reports contain several derogatory accounts, collections, and charge-offs that are either inaccurate, unverifiable, or reported inconsistently across bureaus. Additionally, I have been a victim of major data breaches ( XXXX, TransUnion, and XXXX XXXX XXXX XXXX, which increases the likelihood of identity theft and erroneous reporting. I request that all unverifiable items be removed immediately in compliance with FCRA 1681i.

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 2025-09-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) regarding the wrongful closure of my account. My account was deactivated on XX/XX/year> at XXXX on the basis of alleged gambling activity and violation of their Terms of Service. I categorically deny this accusation. 
My account was used exclusively for legitimate purposes, including : Direct deposit of my weekly wages from XXXX XXXX. 
Paying bills. 
Retail and personal shopping. 

Despite my appeal on Sept 17-18, 2025, Cash App responded on XX/XX/year> at XXXX that they had reviewed my account and found activity that violates the Terms of Service, but refused to provide any evidence. When I called support or really when support called me on XXXX XXXX at XXXX, they confirmed that no evidence was available or will review my account. 

The closure has caused me financial hardship and duress, as my paycheck and essential bill payments were tied to this account. I believe Cash Apps actions constitute : Breach of good faith and fair dealing Unfair or deceptive business practice Arbitrary and capricious business action I respectfully request regulatory intervention to : XXXX. Require Cash App to produce the alleged evidence used to justify my account closure. 
XXXX. Compel Cash App to review and correct this wrongful determination. 
XXXX. Ensure that Cash Apps account closure practices comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-09-22 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation