vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NH

Complaint narrative:
Experian continues to report multiple inaccurate and unverifiable accounts despite prior disputes and requests for validation. The furnishers involved have not provided original signed agreements, lawful proof of debt ownership, or accurate payment and balance histories. The following items remain in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX XXXX XXXX ( charged-off account with inconsistent reporting and signs of re-aging ), XXXX XXXX XXXX ( no proof of assignment from the original creditor ), XXXX XXXX XXXX ( no validation or contract linking the debt to the consumer ), XXXX XXXX XXXX ( reporting conflicting balance and date information ), XXXX XXXX XXXX ( no permissible purpose or authorization to collect ), and XXXX XXXX ( charged off without verified delinquency documentation ). Additionally, several unauthorized hard inquiries from XXXX XXXX  on XX/XX/year>, XXXX XXXX on XX/XX/year>, and XXXX automobile dealer inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/year>, were made without permissible purpose or consumer consent. Experians continued reporting of these items after repeated disputes demonstrates noncompliance with FCRA Sections 607 ( b ), 611 ( a ), 623 ( a ) ( 5 ), and FDCPA Section 809 ( b ). This has caused continued harm to the consumers creditworthiness and reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I was making my payments to Shellpoint as instructed and put on a XXXX month trial payment plan. My home was foreclosed on without any notice. I was sent a letter showing my payment was returned to me way after the foreclosure happened. I spoke with a representative and he stated the money was in on time and doesnt know why they sent it back or why my property was foreclosed on.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
My husband and I were leasing a Hyundai XXXX, and our XXXX-year lease recently expired. On XX/XX/XXXX, we visited XXXX XXXX XXXX XXXX dealership to explore options for either financing our XXXX, leasing a new vehicle or going with a different dealership. During our discussion, their representative, XXXX, assured us that if we chose to lease new vehicles through the dealership, we would not incur any penalties for exceeding the mileage limit on our current lease. 

Relying on that assurance, we proceeded to lease XXXX new Hyundai XXXX an additional three-year term. We were told multiple times that the over-mileage fees would be waived, and this understanding was a significant factor in our decision to continue doing business with your dealership. 

However, in XXXX, we received a letter stating that we owed {$1300.00} in excess mileage charges for the XXXX. We immediately contacted XXXX, on XX/XX/XXXX, who confirmed that the issue would be corrected and that we should not worry. Despite her repeated assurances, weeks passed without resolution. When I followed up, XXXX informed me that she needed approval from her manager and would return my call the next day. Unfortunately, I did not receive any further communication, and my subsequent calls and messages went unanswered. 

When I finally reached her on XX/XX/XXXX, she was abrupt, dismissive, and refused to discuss the matter further, stating that there was nothing she could do. This was a completely different attitude from what we experienced before signing the new leases and demonstrates a lack of transparency and accountability. 

We feel that dealerships actions constitute misrepresentation and deceptive business practices. We entered into new lease agreements based on a clear promise that the mileage penalty would be waived. I would like the dealership to honor that commitment and remove the {$1300.00} charge. 

Please let me know if additional information is needed. 
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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate XXXX U.S.C. XXXX. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-04 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a lawful reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, supporting documentation, or proof that the information was confirmed by the original furnishers. This prevents me from determining whether the information being reported about me is accurate and constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
Account is not mine. No relationship with them. Never authorized anything with them. 
XXXX acct no. XXXX I HAVE NEVER SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2025-11-04 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: VA

Complaint narrative:
Account is not mine. No relationship with them. Never authorized anything with them. 
XXXX acct no. XXXX I HAVE NEVER SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Payoneer Loophole Enabling Fraudulent Activity Urgent Request for Investigation Dear CFPB Team, My name is XXXX XXXX, and I am submitting this report regarding a financial loophole that allows scammers to operate freely through Payoneer. 

On XX/XX/year>, I transferred {$1000.00} ( including transaction fees ) to a merchant via the XXXX XXXX 
The merchant XXXX XXXX XXXX  ( contact : XXXX, website : XXXX XXXX agreed to raise {$50000.00} for our official XXXX campaign, claiming access to an email list of more than XXXX active backers. 

After receiving the payment, the merchant took no action. 
I filed a dispute with XXXXXXXX XXXX  on XX/XX/year>, but XXXX denied the claim, stating that XXXX was the merchant on record and had fulfilled its service by transferring the funds. 

Following several conversations with XXXX supervisors, I was told that XXXX provides no buyer-protection or dispute mechanism, leaving customers completely unprotected from fraudulent merchants. 
I reopened the dispute with XXXX, but it was denied again for the same reason. 

This exposes a serious loophole in the U.S. financial system : XXXX functions as an intermediary yet assumes no responsibility for fraudulent activity, creating a channel that scammers can exploit without oversight or recourse. 

I respectfully request CFPBs investigation and intervention to ensure consumers are protected from this risk. 
I also request a resolution for my case : XXXX should reverse the transaction and report the fraudulent party to the proper authorities. 

XXXX shows this name on file : XXXX XXXX XXXX Supporting documentation, contracts, and transaction records are available upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
15 U.S.C. 1681 is the section of the U.S. Code that contains the Congressional findings and statement of purpose for the Fair Credit Reporting Act ( FCRA ). This statute establishes the framework for how consumer credit reporting agencies must operate, requiring them to adopt reasonable procedures that are fair, equitable, and respect consumer privacy. Its purpose is to ensure the accuracy, confidentiality, and proper use of information in consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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: MI

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 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 4 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 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Acct : Dear Midland Credit Management, I recently received a notice from your company regarding a debt you are trying to collect. You contacted me by [ phone/mail ] on [ date ] and identified the debt as [ any information provided about the debt ]. 

Before I discuss this matter further, I need more details to ensure the debt is valid. Please provide the following information : The name and contact details of the original creditor, along with the account number and the amount owed when it was transferred. 

Documentation showing that I am legally responsible for this debt, such as a copy of the original agreement. 

A breakdown of the current balance, including any interest, fees, or charges added since the original creditors last statement. 

Records of any payments made on the account, along with the date of the last payment. 

Confirmation of whether the debt is within the statute of limitations and the basis for that determination. 

Additionally, if your company is required to have a debt collection license in my state, please provide details, including the license number and issuing agency. 

Until I receive this information, I consider this debt to be in dispute. Please provide the requested details in writing. Also, if you are willing to negotiate a settlement for less than the full amount, please include your offer in writing. 

Thank you for your time. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am disputing multiple unauthorized and inaccurate inquiries appearing on my ChexSystems consumer file. These inquiries were not authorized by me, nor do they represent valid or active banking relationships. ChexSystems failed its obligations under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 1681i ( a ) ( reasonable reinvestigation ). 

Disputed inquiries/entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; and any other unverified or inaccurate entities listed. 

Personal data accuracy : XXXX XXXX address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and phone XXXX are inaccurate/outdated. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and my correct phone is XXXX. Please remove/correct all inaccurate identifying information under 1681e ( b ).

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-04 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: PA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I submitted a written dispute to Equifax last month regarding inaccurate accounts appearing on my credit report. It has been over 30 days since I sent my dispute, but Equifax has not completed the investigation or removed the accounts in question. I also attached a copy of my identity theft report and valid proof of identity to support my dispute. Despite providing all necessary documents, the disputed accounts are still being reported, which negatively affects my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ) requiring a response within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Good evening, I am reaching out concerning an ongoing situation I have with the cash advance app Dave. I asked them to revoke ACH authorization due to current financial issues I am facing. I still fully intend to pay back the loan but asked for a manual payment option so I could better work it around my finances. 

I first contacted Dave on XX/XX/XXXX to request the XXXX revocation. They responded on XX/XX/XXXX, stating they would be denying my request due to their terms of service. I once again reached out stating my rights as a consumer to revoke said ACH authorization and they replied on XX/XX/XXXX, stating that they would escalate the matter. Since then, they have attempted XXXX unauthorized withdrawals of {$150.00} from my checking account even after I had clearly revoked authorization. Today XX/XX/XXXX, they withdrew XXXX separate quantities, XXXX in the amount of {$65.00} and the other of {$51.00}. Due to these most recent withdrawals, my bank account is now negative {$47.00} and I have been placed in a stressful financial situation which I would not have to be in if we they wouldve accepted my ACH revocation request. Ive outlined a timeline of events below. 

Steps Taken and Timeline XX/XX/XXXX : I first requested ACH revocation from Dave. 

XX/XX/XXXX : I received a response from Dave stating they were denying my ACH revocation request. 

XX/XX/XXXX : After stating my rights as a consumer, Dave replied to my email saying they would be escalating the concern XX/XX/XXXX : After days of no action, I reached back out to Dave for an update regarding the escalation of my concerns. 

XX/XX/XXXX : I received an email from a supervisor at Dave called XXXX, after they already attempted to withdraw the last of my funds, stating that they can not honor my request. The escalation of my concerns proved useless as this is the exact same response I had previously received from their first representative XXXX. 

Ive included screenshots of my bank account showing the XXXX unauthorized withdrawals from today, XX/XX/XXXX, which have left me in the negative and I also included screenshots of the emails received from Dave I request that the CFPB ensure Dave acknowledges and fully complies with my ACH revocation rights. They must cease any further attempts to withdraw funds and provide a formal response to resolve this matter.

Company response to consumer: Closed with explanation