vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Ally Banking to request a money factor and payoff, I was denied both. I then called back on the XXXX of XXXX and again asked for a payoff and money factor, again I was denied. I again called on the XXXX of XXXX and asked again for a payoff and the money factor and again was told I can't have the Payoff because I was not a dealer, I also asked why the money factor was not in the contract. Again they did not even know what a money factor was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Upon arriving at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), I discovered that my XXXX purse was missing. Fortunately, I still had my passport ; however, the contents of my bag included critical personal items such as my driver 's license, Social Security card, debit card, headphones, and makeup. 

Regrettably, shortly after the loss of my purse, I became a victim of identity theft. The timing suggests a direct correlation between the disappearance of my purse and the subsequent unauthorized use of my personal information. This situation has caused considerable distress and has necessitated immediate action to mitigate the impact of this theft. 


I have tried deleting the inaccurate information with Experian, equifax and TransUnion all of them are reporting different information thats inaccurate and not mine.

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 2025-11-21 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-21 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec XXXX XXXX, ( a, b ) XXXX, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec XXXX XXXX which explains if an item can not be verified XX/XX/XXXX days from receipt ( late payment, XXXX form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XX/XX/XXXX days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec XXXX laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} Bank XXXX XXXX Date Opened XX/XX/XXXX Balance {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
On XX/XX/year>2024 I had an emergency and took loan with OPPXX/XX/XXXX LOAN. for XXXX XXXX 
I wasnt paying attention to the interest rate when I signed the contract. until I checked my contract now and I found out that OPPXX/XX/XXXXloan was charging me annual interest rate of approximately 160 %. This is illegal practice. Virginia law limit most consumer loans to 36 % APR. This practice is unfair and targeted me as vulnerable consumer. 
I have paid paid so far XXXXXX/XX/XXXX for XX/XX/XXXXmonths. mostly interest. 
All my payments were all on time and never late. 
Because of this I suffered severe financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit and noticed a collection from National Credit System that does not line up with my actual financial history. This account stems from a period when my former husband was responsible for the lease and financial obligations. Once our marriage ended, I no longer had access or control over any of the accounts he created or managed. I was never contacted directly regarding this debt and I was never given any clear explanation or documentation that shows I personally agreed to be responsible for it. This situation has made it extremely difficult for me to move forward with my life. I am a working professional and this inaccurate reporting is blocking me from qualifying for reliable transportation and stable housing. I have tried to gather information on my own but nothing provided confirms that I am the individual who authorized this company to handle or report anything with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

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 id-entity 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 XXXX, 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. XXXX ( a ) ( XXXX ) ( 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. CXX/XX/XXXXe XXXXb 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. CXX/XX/XXXXeXX/XX/XXXXXXXX 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. CXX/XX/XXXXde XXXX SectionXX/XX/XXXX ( 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 ( XX/XX/XXXX ), 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 complete and accurate.

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 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
I was unaware that my student loans were moved from XXXX to EdFinancial until I received a notice that I was approaching XX/XX/XXXX days late on a payment. On XXXX XXXX,2025, I spoke on the phone with EdFinancial and they stated that I could submit a financial hardship request. I did that while on the phone with EdFinancial. They also stated that I had XX/XX/XXXX days to submit the paperwork required for the financial hardship request AND that my account would not be reported delinquent within that XX/XX/XXXX day period. I believed them. However, on XX/XX/year>2025, I received a notification that my credit score dropped from XXXX to XXXX and EdFinancial did in fact report me as delinquent. I called them to remedy this issue, they denied they told me my account would not be marked delinquent and refused to honor their statement and remove the delinquent report on my account. This has had a severe negative impact on my life, including me losing housing as a XX/XX/XXXX mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( XXXX ), specifically 15 U.S.C. XXXX ( f ) ( XXXX ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section XXXX of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. XXXX. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third party debt buyers. XXXX. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. XXXX. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. XXXX. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired. This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Alleged Violations Include : FCRA XXXX ( 15 U.S. CXX/XX/XXXXe XXXX ) : Failure to block fraudulent information upon request. 15 U.S. CXX/XX/XXXXe XXXX ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 15 U.S. CXX/XX/XXXXe XXXX ( a ) ( XXXX ) : Improper use and dissemination of consumer credit information. 15 U.S. CXX/XX/XXXXe XXXX and XXXXXX/XX/XXXXXXXX : Violations related to billing error resolution procedures. 15 U.S. CXX/XX/XXXXe XXXX and XXXX : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt. 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) ( XX/XX/XXXX : Improper reporting of charged-off accounts without proper documentation. Florida Statutes Chapter XXXX, Article XXXX of the Uniform Commercial CXX/XX/XXXXe : Violations concerning secured transactions and consumer protections under Florida law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
There is an account being reported under my name by Hunter Warfield and the information attached to it does not match what actually happened when I lived at that apartment. I gave a full XXXX day notice before my lease ended. I paid my final month and made it clear that I would not be renewing and that I would be moving out at the end of that term. I followed everything that was required. When I left, the unit was spotless. I took photos of every room because I wanted clear proof of the condition. There were no damages whatsoever. 

The property manager later claimed that I violated the lease simply because I moved out during the final month, even though no one explained that any issue existed at the time. I was never shown any paperwork that justified the charges they created. I was not given any opportunity to review the fees before they were passed on to a third party. This situation has created real problems for me because it is now impacting my ability to secure a home and reliable transportation even though I handled my responsibilities when I lived there. 

I also have never been shown anything that proves I personally gave Hunter Warfield permission to receive, store, or report my private information. I did not authorize them and I did not sign anything that names them. If they are claiming they have my consent then they should be able to show exactly where it came from, because I have never seen any document that connects me to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MISSION FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
XX/XX/year> XXXXXX/XX/XXXX Contacted reference asking forXX/XX/XXXX to " collect the truck ''. Reference requested not to be contacted again and blocked number. 
Reference was contacted multiple times from different numbers across multiple days requesting to have debtor call back. 
XX/XX/year> XXXX Reference finally decided to conversate with him. He told representative that he does not know XX/XX/XXXXXX/XX/XXXX in question. Representative told him he was lying and proceeded to insult his intelligence while using vulgar language. Representative also stated XX/XX/XXXX that he was going to get in and just repossessXX/XX/XXXXtruck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized and inaccurate hard inquiries appearing on my credit reports with Experian and TransUnion. Specifically, XXXX CARD ( XX/XX/year> ) appearsXX/XX/XXXX on Experian, and XXXX ( XX/XX/year> ) appears on TransUnion. I did not authorize any of these inquiries, and they were conducted without my consent, violating FCRA XXXX, which grants me the right to dispute inaccurate or unauthorized inquiries. These inquiries also remain on my reports beyond the permissible time limits outlined in FCRA XXXX ( a ), constituting outdated information that must be removed under FCRA XXXX, and none of these inquiries were performed for a permissible purpose as required under FCRA XXXX ( a ). These inaccuracies have negatively impacted my credit score and financial standing, causing significant stress and potential harm to my ability to obtain credit. I request that both Experian and TransUnion conduct a full investigation, remove all unauthorized and outdated inquiries from my credit files, and provide written confirmation of the corrections.

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 2025-11-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized recurring charges andXX/XX/XXXX failure to refund them through XXXX XXXX Billing, despite multiple notices and full documentation. 

On XX/XX/year>2025, I cancelled my XX/XX/XXXX TV subscription. XX/XX/XXXX emailed me written confirmation that the subscription was cancelled. After this cancellation, the subscription was reinstated without my consent. I did not authorize the reinstatement, and no one in my household has access to my XXXX account,XX/XX/XXXXaccount, or my payment method. 

Following this unauthorized reinstatement, XXXX XX/XX/XXXX Billing continued to charge my bank account for XX/XX/XXXXservices. These charges now exceed {$1000.00}. I immediately notified XXXX and provided : * The XX/XX/XXXX cancellation confirmation, * Screenshots of every unauthorized charge, * My full billing history, * Proof that the charges occurred after cancellation, and * Proof that I did not reactivate the subscription. 

XXXX acknowledges they can see the subscription, billing token, payment method, and the unauthorized charges. I also completed every verification step XXXX requested, including XX/XX/verify. Despite this, XXXX continues delaying resolution and refusing to issue the required refunds. 

Under RegulationXX/XX/XXXX and the Truth in Lending Act ( 15 U.S.C. XXXX ), the merchant bears the burden of proving authorization for recurring charges. I revoked consent, and the charges continued. XXXX has not provided any evidence that I authorized the reinstatement of the subscription. Continuing to bill after cancellation constitutes an unauthorized electronic funds transfer. 

XXXX has had every piece of information necessary to cancel the subscription, stop further billing, and refund the charges, but has taken no corrective action. Their continued failure to resolve this issue is negligent and has resulted in ongoing financial harm. 

I am requesting that the CFPB require XXXX to : XXXX. Refund all unauthorized charges billed after cancellation, XXXX. Stop billing my account for a service I cancelled, XXXX. Provide documentation showing how the subscription was reinstated without my consent, XXXX. Correct the billing issue to prevent future unauthorized charges. 

I have made multiple good-faith attempts to resolve this directly with XXXX, but they continue to provide scripted responses without action. I am requesting regulatory assistance so this matter can be resolved properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: LA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default l or Right to Cure, violating my states consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under XXXX XXXX and XXXX. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without properdocumentation, violating the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ). 
I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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