vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I seen car advertised on XXXX XXXX for an advertised price of XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) I verified that I wanted to purchase the car through XXXX XXXX at the advertised price XXXX the car was sold at XXXX XXXX XXXX XXXX after they said I couldnt get financing through one of my banks I deal with the connecting with of their banks with XXXX percent interest rate I called my bank to see why I couldnt get financing.It turns out I was able to get financing though my bank with lower interest.While doing the transfer I noticed the price was significantly more than the advertised price on XXXX XXXX and some items on loan paperwork were not correct like the down payment and it didnt reflect the down payment that we agreed upon I could not get the car inspected because the transmission and other lights came on they finally got inspected through 1 of their shops I got suspicious and did a car fax on the car and seen that the car over XXXX miles as of XX/XX/XXXX I purchased the car in XX/XX/XXXX at XXXX after numerous calls, emails and visits with no resolution I got an letter from attorney general office in XX/XX/XXXX stating that my tags and registration is suspended for a check they couldnt cash I spoke them briefly about the sudden mechanical issues that started 2 weeks after purchase they said it was as is and I also spoke with them about the contract and price of the car they pretended like they know anything about it The registration and tags are still suspended today XX/XX/XXXX until I pay the XXXX plus fees.The down payment is not on the loan docs and also the registration and tags would been included in loan forms the first bank that approved or the bank I transferred to they said couldnt get approval from. It was a bait and switch.Im a full time rideshare I depend on the car for income and safety of my customersXXXX XXXX XXXX XXXX were not honest and predatory practices and baited switched from what we agreed on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX * * * * * BALANCED {$790.00} Date of Last Activity : XX/XX/XXXX Payment Status : Current Late : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX BALANCED {$2200.00} Date of Last XXXX Payment Status : Late 120 Days late : 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 BALANCED {$0.00XXXX XXXX XXXXXXXX BALANCED {$720.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$690.00} XXXX  XXXX BALANCED {$810.00} KINWOOD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX * * * * * BALANCED {$790.00} Date of Last Activity : XX/XX/XXXX Payment Status : Current Late : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX BALANCED {$2200.00} Date of Last XXXX Payment Status : Late 120 Days late : 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 BALANCED {$0.00XXXX XXXX XXXXXXXX BALANCED {$720.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$690.00} XXXX  XXXX BALANCED {$810.00} KINWOOD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate removal to prevent it from negatively impacting my credit profile.

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 2025-04-27 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-28 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: FL

Complaint narrative:
First and foremost Im being charged a {$40.00} late fee multiple times but also my account was close due to autopay discrepancies from a closed account even though I was regularly making payments through Capital One lounge ATMs. Capital One claims that I wasnt paying or trustworthy of paying due to glitches on their app with autopay BUT I was actively paying my balance well before a it carried over. My secured credit cards was closed as well as my silver line but my secured deposit hasnt been applied to the closed card balance to my knowledge as I have a $ XXXX balance when my limit was {$200.00}. As you can see with the image Ive supplied, my account was closed yet theres still some type of autopay which should have been stopped. It is their system that is at fault for the returned payments, I was unaware that there was autopay active as Id always pay my balance through ATM because it was instant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccura
te information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I continue to see a line of credit account that was sent to collections in my consumer report. The account was for a line of credit through XXXX XXXXXXXX  which was then sent to collections XXXX XXXX XXXX XXXX and transferred to XXXX XXXX XXXX. I worked with XXXX XXXX XXXX to resolve and pay off the outstanding balance in full. This was completed on XX/XX/year> and the full amount was {$1300.00} In addition, I am seeing numerous credit applications displayed in the inquiries seen by others section of my consumer report that I never applied for.

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 2025-04-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) 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 filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my FICO consumer credit report, which I do not recognize and believe to be the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a credit card/charged-off account at XXXX XXXX XXXXThese unauthorized accounts have resulted in multiple fraudulent hard inquiries and collections being reported on my credit file. I demand the immediate removal of all fraudulent accounts, inquiries, and collections from my consumer credit reports, and I request that all related collection activities cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-04-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) 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 filing this FTC Identity Theft Affidavit to report eight fraudulent accounts appearing on my FICO consumer credit report, which I do not recognize and believe to be the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a credit card/charged-off account at XXXX XXXX XXXXThese unauthorized accounts have resulted in multiple fraudulent hard inquiries and collections being reported on my credit file. I demand the immediate removal of all fraudulent accounts, inquiries, and collections from my consumer credit reports, and I request that all related collection activities cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
I request the removal of this XXXX XXXX account from my credit history. I was listed only as an authorized user and am not, nor have I ever been, financially responsible for this debt. Under the law, authorized users are not responsible for the payments or the credit history associated with the account. This information is incorrectly affecting my report. The account owner made many late payments and also closed the account, negatively impacting my credit history. I respectfully request that it be removed from my credit report. Thank you very much. 

Date opened : XX/XX/XXXX Date last active : XX/XX/XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MOHELA
State: FL

Complaint narrative:
I have been requesting my servicer ( MOHELA ) remove the forbearance on my account for several months and yet it has still not been completed. I have made this request via multiple avenues including multiple phone calls ( often requiring me to wait on hold for hours ) and sent messages on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am often told the same thing, that a request has been submitted and the forbearance will be removed and yet nothing changes. This is hampering my ability to pursue public service loan forgiveness, potentially leading to thousands of dollars in losses over the long term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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:
Letter to the FTC : I am writing to formally notify the FTC of a serious breach of my personal information and to seek immediate intervention regarding the errors and compromised data present in my credit report maintained by Equifax, XXXX XXXX XXXX. As you are aware, there have been highly publicized data breaches affecting all XXXX major credit bureaus. I have verified that my own information was among the data compromised. 
Consequently, inaccuracies and fraudulent accounts gave appeared on my credit reports, resulting in harm to my financial standing and personal security. Pursuant to the FCRA, specifically 15 USC 1681s-2, furnishers of information are obligated to provide accurate data and correct any inaccuracies once notified. They have failed to adequately address and correct the erroneous and fraudulent data associated with my file. I need the FTC to exercise its authority and assist in ensuring that the credit agencies comply with their legal responsibilities. Enforce protection for breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
Letter to the FTC : I am writing to formally notify the FTC of a serious breach of my personal information and to seek immediate intervention regarding the errors and compromised data present in my credit report maintained by XXXX XXXX and TransUnion. As you are aware, there have been highly publicized data breaches affecting all XXXX major credit bureaus. I have verified that my own information was among the data compromised. 
Consequently, inaccuracies and fraudulent accounts gave appeared on my credit reports, resulting in harm to my financial standing and personal security. Pursuant to the FCRA, specifically 15 USC 1681s-2, furnishers of information are obligated to provide accurate data and correct any inaccuracies once notified. They have failed to adequately address and correct the erroneous and fraudulent data associated with my file. I need the FTC to exercise its authority and assist in ensuring that the credit agencies comply with their legal responsibilities. Enforce protection for breach

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 2025-04-27 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: FL

Complaint narrative:
Letter to the FTC : I am writing to formally notify the FTC of a serious breach of my personal information and to seek immediate intervention regarding the errors and compromised data present in my credit report maintained by XXXX, Experian, and XXXX. As you are aware, there have been highly publicized data breaches affecting all XXXX major credit bureaus. I have verified that my own information was among the data compromised. 
Consequently, inaccuracies and fraudulent accounts gave appeared on my credit reports, resulting in harm to my financial standing and personal security. Pursuant to the FCRA, specifically 15 USC 1681s-2, furnishers of information are obligated to provide accurate data and correct any inaccuracies once notified. They have failed to adequately address and correct the erroneous and fraudulent data associated with my file. I need the FTC to exercise its authority and assist in ensuring that the credit agencies comply with their legal responsibilities. Enforce protection for breach

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 2025-04-27 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: TX

Complaint narrative:
I asked for the original contract or agreement Full itemized breakdown of the balance claimed on my credit report Account keeps coming back verified but no investigation has been done properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I asked for the original contract or agreement Full itemized breakdown of the balance claimed on my credit report Account keeps coming back verified but no investigation has been done 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 explanation