vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report also lists a bankruptcy record that I believe is either inaccurate or unverifiable. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), I am entitled to an entirely accurate credit report. I am requesting a review of this bankruptcy entry and, if it can not be substantiated, its removal.

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 2025-05-30 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Description of Issue : I am submitting a complaint regarding a Bank of America credit card account ending in XXXX with a {$30000.00} credit limit. I never activated or used this card. Despite this, Bank of America charged an annual fee upfront, which I was not aware of because I did not receive any digital statements, mail, or courtesy notifications. I also do not have any active checking or savings accounts with Bank of America, so I had no reason to log in and check for card activity. 

Approximately three months after the fee was assessed, I received a notice of a late fee and negative reporting to the credit bureaus, which was the first time I became aware of any activity on the account. 

When I contacted Bank of America, I was informed that they would remove the late fee and that the account would be closed to resolve the issue. However, I want written confirmation that the late fee will be amended, the account has been properly closed, and that any negative credit reporting will be corrected. 

I am now submitting this to the CFPB because I want to ensure that Bank of America follows through with what was promised and that this issue does not unfairly damage 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 monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I purchased a used vehicle from AutoNation in XXXX, Texas, and shortly after the purchase, the car began experiencing serious mechanical issues, qualifying it as a lemon. Even before the sale was finalized, I noticed suspicious behavior from both the sales and finance departments, including a lack of transparency and pressure to rush the process. 

After purchasing the vehicle, I immediately contacted AutoNation multiple times regarding the problems. Despite having purchased a warranty, the dealership failed to address the issue properly. Without my knowledge or consent, they sent the car to different AutoNation locations for service, but the mechanical issues were never resolved. They returned the vehicle to me claiming it was fixed. 

However, the same issues continued, and one day while driving on the freeway, my car suddenly stopped, which caused another driver to rear-end me. This incident happened after the car had been in the shop for nearly two months and was supposedly repaired.

To make matters worse, I later discovered an unexpected negative balance on my account related to a down payment, which I had already paid in full before receiving the vehicle. AutoNation falsely claimed there was a balance owed, despite my original payment being documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Dave Operating, LLC
State: IN

Complaint narrative:
I took out an extra cash advance for {$300.00} on XX/XX/year>. Dave shows the money was sent to my bank chase on XX/XX/year> but chase has not received it. I have emailed texted called and I am not getting any resolution whatsoever. The repayment of loan I didnt receive comes out on the third. I need help getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally express my dissatisfaction with the recent handling of a check transaction in my account, which has caused significant inconvenience due to a lack of notification or visibility. 

On XX/XX/year>, I was actively monitoring my account, including reviewing pending transactions, and no checks were displayed at any point during the dayonline, via mobile banking, or in-person at the branch. I visited the bank for unrelated matters, and the branch manager, who accessed my account during our interaction, also confirmed there were no pending checks. Despite this, a check was apparently presented and subsequently returned without any record or alert, leaving no footprint in my transaction history. 

This failure to properly reflect the checks status has resulted in : Financial harm : The other party incurred a returned check fee due to no fault of their own. 

Reputational damage : My credibility with the concerned party has been compromised. 

Operational inefficiency : Despite contacting customer support, I received no resolution or clarity on why the check was invisible until after it was returned.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Subject : Formal Dispute and Request for Correction SYNCB/XXXX XXXX XXXX Reporting Error To Whom It May Concern, I am writing to formally dispute and report continued inaccurate and damaging information on my credit report relating to the XXXX XXXX XXXX ( SYNCB ) account. Despite multiple dispute attempts and clear factual discrepancies, this account remains on my report with false details and is causing significant financial and reputational harm. 

Below are the specific issues with the account in question : Account : SYNCB / XXXX XXXX XXXX  Account Number ( last XXXX ) : XXXX Reported Balance : {$990.00} ( Incorrect ) Reported Credit Limit : {$840.00} ( Incorrect ) Reported Status : Charged-Off ( Disputed ) Errors Identified : 1. Incorrect Credit Limit The credit limit reported does not reflect the actual terms of the account.

2. Inaccurate Balance The amount listed is not consistent with account records.

3. Fabricated Payment History Delinquency notations and charge-off status are factually inaccurate and unverifiable.

4. Improper Charge-Off Classification No valid documentation has been provided to justify this status.

5. Failure to Correct Upon Dispute My previous disputes have been ignored or inadequately addressed, violating FCRA Section 611 ( a ). 

The continued misreporting of this account has : - Lowered my credit score significantly ( XXXX currently XXXX ). 
- Resulted in denials for financial services and loan applications. 
- Caused significant stress and misrepresentation of my creditworthiness.

I am requesting immediate : 1. Correction or removal of this account from all consumer credit reports.

2. Disclosure of the method of verification used in prior investigations.

3. Compliance with FCRA 611 ( a ) ( 5 ), which requires deletion if data can not be verified accurately. 

Should this issue not be resolved promptly, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  Attorney General, and will consider legal remedies under FCRA for willful noncompliance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/year> SSN ( last 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 2025-05-30 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This complaint to GM FINANCIAL was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I was once work for ah job only way I could get paid was though the app but the app wont give me a card so I miss out on my checks for bout 2 months the all equal up to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Loan status : Closed as of XX/XX/XXXX. 
Balance : {$0.00} ( Paid in full ). 
Opened : XX/XX/XXXX. 
Payment History : Only 2 % on-time payments recorded. 
Derogatory marks : Reported from XXXX through XXXX, including repeated derogatory marks. 
The loan is fully paid off, but the account still reflects extensive negative history which may : Be inaccurate. 
Not properly reflect any loan settlement, deferments, or disputes. 
Unfairly damage your credit even though the account is closed. 

Subject : Inaccurate and Excessively Negative Reporting on Closed Auto Loan ( Santander ) I am disputing the way XXXX is reporting my closed auto loan account. The account, which was opened on XX/XX/XXXX, and closed with a {$0.00} balance as of XX/XX/XXXX, still reflects nearly three full years of derogatory remarks despite being fully paid. 
The account payment history shows an on-time payment rate of only 2 %, which I believe is inaccurate or misrepresented. There is no context explaining whether these entries reflect a legitimate delinquency, a deferred payment arrangement, or a dispute. 
Additionally, the report shows derogatory marks throughout XXXX, XXXX, and XXXX without any notation of resolution, settlement, or agreement. The continued reporting of derogatory data on a fully closed and paid account is unfair and misleading. 
I previously attempted to dispute this with the credit reporting agency ( e.g., TransUnion or Equifax ), but the issue remains unresolved. 
I request that the CFPB investigate this matter and require XXXX to : Provide clarification or correction of the payment history ; Remove derogatory or inaccurate marks if they are unfounded ; Reflect the true standing of the loan ( paid, closed, and no outstanding debt ).

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Loan status : Closed as of XX/XX/XXXX. 
Balance : {$0.00} ( Paid in full ). 
Opened : XX/XX/XXXX. 
Payment History : Only 2 % on-time payments recorded. 
Derogatory marks : Reported from XXXX through XXXX, including repeated derogatory marks. 
The loan is fully paid off, but the account still reflects extensive negative history which may : Be inaccurate. 
Not properly reflect any loan settlement, deferments, or disputes. 
Unfairly damage your credit even though the account is closed. 

Subject : Inaccurate and Excessively Negative Reporting on Closed Auto Loan ( Santander ) I am disputing the way XXXX is reporting my closed auto loan account. The account, which was opened on XX/XX/XXXX, and closed with a {$0.00} balance as of XX/XX/XXXX, still reflects nearly three full years of derogatory remarks despite being fully paid. 
The account payment history shows an on-time payment rate of only 2 %, which I believe is inaccurate or misrepresented. There is no context explaining whether these entries reflect a legitimate delinquency, a deferred payment arrangement, or a dispute. 
Additionally, the report shows derogatory marks throughout XXXX, XXXX, and XXXX without any notation of resolution, settlement, or agreement. The continued reporting of derogatory data on a fully closed and paid account is unfair and misleading. 
I previously attempted to dispute this with the credit reporting agency ( e.g., TransUnion or Equifax ), but the issue remains unresolved. 
I request that the CFPB investigate this matter and require XXXX to : Provide clarification or correction of the payment history ; Remove derogatory or inaccurate marks if they are unfounded ; Reflect the true standing of the loan ( paid, closed, and no outstanding debt ).

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