vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
When purchasing my vehicle through XXXX XXXX, located on XXXX XXXX in XXXX, Connecticut, I was initially informed that I had been approved for financing at a monthly payment of {$500.00}. Based on this representation, I was allowed to take possession of the used vehicle and leave the dealership. I was told that the financing company would later contact me to complete a verification interview to confirm my identity. 

After completing the required telephone interview and answering all identity verification questions, I was contacted by the dealership and informed that I had allegedly failed the identity verification process. I was told that I would be required to return the vehicle unless I agreed to accept financing through another lender selected by the dealership. 

As a single mother who depended on the vehicle for daily transportation, I felt I had no practical alternative and agreed under pressure to proceed with whatever financing the dealership could obtain. I was subsequently informed that Credit Acceptance would finance the loan, but at an increased cost of an additional {$120.00} per month, raising my payment to {$620.00} per month. 

The vehicle financed was nearly XXXX XXXX XXXX, carried an interest rate of XXXX XXXX and was sold to me despite the dealerships knowledge of my limited credit history and the presence of a co-signer. I believe this process constituted a bait-and-switch financing tactic and that I was intentionally placed in a position where I felt compelled to accept unfavorable and predatory loan terms in order to avoid losing the vehicle. 

Based on these circumstances, I believe I was unfairly and improperly taken advantage of, and that the dealership knowingly used my financial vulnerability to secure financing terms that were not originally disclosed or agreed upon.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX, Illinois XXXX Phone : XXXX Email : XXXX Bank : Bank of America XXXX : Improper Funds Hold/ Failure to Release Promised Funds Complaint : On XX/XX/2025, I deposited a check for {$27000.00} into XXXX Bank of America account. I was informed by the bank that {$6600.00} would be available on the next business day, with the remaining funds held for XXXX business days. 

I relied on this information and scheduled bill payments based on the expectation that the {$6600.00} would be released as stated. However, when the next business day arrived, Bank of America did not release the {$6600.00} as promised. I was not provided with a revised written hold notice or a clear explanation for the delay. 

Because I relied on the XXXX representation, payments processed without the available funds I was told would be there, causing financial hardship including potential overdrafts, returned payments, and account issues. 

I am requesting that the CFPB investigate whether Bank of America complied with Regulation CC regarding funds availability, determine whether misleading information was provided, require the bank to release the funds properly, reverse any fees or negative account impacts, and provide a clear written explanation for the extended hold.Bank of America returned the payments that a I made to other institutions and that can harm me and maybe have my accounts closed at these institutions where it can affect my credit score, if this was known in the beginning I would have not deposit this check into this account, the bank took option away from if I known in the beginning that check would have been put on hold

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 2025-12-16 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am writing to dispute several items listed on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts and inquiries that are currently in dispute. Please separate the dispute for each credit bureau : XXXX ( XXXX ), Experian ( EX ), XXXX XXXX XXXX XXXX XXXX 

Charged Off AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}

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 2025-12-16 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: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-16 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : 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 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 2025-12-16 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint and demand for removal of inaccurate and unverified information currently being reported on my consumer credit reports. This correspondence is being submitted to the Consumer Financial Protection Bureau ( CFPB ) and to the XXXX XXXX XXXX due to continued violations of federal consumer protection laws. 

Account in Dispute ( SelfIncLead ) XXXX $ Consumer Rights That Protect Me I am protected under the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA, XXXX XXXX. XXXX ( a ) Requires a reasonable reinvestigation of disputed information and mandates deletion of any item that can not be verified. 
FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) Requires removal of information that is inaccurate, incomplete, or unverifiable. 
Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX and XXXX Prohibits the communication of false, misleading, or unfair information related to alleged debts. 

Despite these protections, the account listed above continues to be reported without proper verification and remains inaccurate and misleading, resulting in ongoing consumer harm. 

Demand for Immediate Relief I hereby formally demand the following : XXXX. Immediate deletion of the XXXX XXXX / XXXX account from all consumer credit reports XXXX. Written confirmation that the account has been removed XXXX. An updated copy of my credit report reflecting the deletion Failure to comply may result in additional CFPB action, regulatory escalation, and civil liability, including claims for statutory and actual damages under the FCRA. 

This letter serves as official notice of dispute and enforcement of my consumer rights. 

I expect full compliance within the timeframe required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint and demand for removal of inaccurate and unverified information currently being reported on my consumer credit reports. This correspondence is being submitted to the Consumer Financial Protection Bureau ( CFPB ) and to the XXXX XXXX XXXX due to continued violations of federal consumer protection laws. 

Account in Dispute ( SelfIncLead ) XXXX $ Consumer Rights That Protect Me I am protected under the following federal consumer protection laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA, XXXX XXXX. XXXX ( a ) Requires a reasonable reinvestigation of disputed information and mandates deletion of any item that can not be verified. 
FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) Requires removal of information that is inaccurate, incomplete, or unverifiable. 
Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX and XXXX Prohibits the communication of false, misleading, or unfair information related to alleged debts. 

Despite these protections, the account listed above continues to be reported without proper verification and remains inaccurate and misleading, resulting in ongoing consumer harm. 

Demand for Immediate Relief I hereby formally demand the following : XXXX. Immediate deletion of the XXXX XXXX / XXXX account from all consumer credit reports XXXX. Written confirmation that the account has been removed XXXX. An updated copy of my credit report reflecting the deletion Failure to comply may result in additional CFPB action, regulatory escalation, and civil liability, including claims for statutory and actual damages under the FCRA. 

This letter serves as official notice of dispute and enforcement of my consumer rights. 

I expect full compliance within the timeframe required by federal law.

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 2025-12-16 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This morning, XX/XX/year> at approximately XXXX XXXX I attempted to cash XXXX ( XXXX ) checks at the PNC Bank ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX check for Cash was drawn on my PNC Checking Account. The second was a XXXX Dividend Check. 
I described to the female teller what I wanted to do that is cash the checks. Her first statement to me was, " Do you have a PNC Debit Card '' I answered No and I do not use Debit Cards. She then said you will need XXXX ( XXXX ) forms of ID. I gladly provided my PA Driver 's Photo ID. Which since I have provided my Drivers Liscene on previuos interactions with PNC I believe PNC has my Liscene number stored in their/my Customer Account information. The other form of ID I was asked for was a major credit card which I provided. Unfortunately the Credit Card I was carrying because of Christmas shopping was in my wife 's name. Even though my wife is listed on the PNC check as a joint account. At that point I was told I could NOT cash my checks. I said to the teller, and I truly believe, all PNC was doing was to promote getting XXXX of their Debit Cards. I believe this type of promotion of an unwanted service is illegal. 
I have been a customer of PNC and their former XXXX XXXX for sixty ( XXXX ) plus years. I believe totaling the various joint and individual accounts we have with PNC is greater than {$35000.00}. The checking account I was attempting to cash a {$250.00} check on had a balance of over {$3500.00}. Bottom line that irregardless of having a photo ID and the check being drawn on PNC account and my XXXX year relationship with the bank I could NOT cash my checks. 
Still needing to cash my checks I drove to the PNC XXXX XXXX branch at approximately XXXX XXXX. I approached the teller and provided her my PA Driver 's license photo ID. The teller very pleasantly cashed my checks with no further identification nor mention of needing to have a PNC Debit Card. 
I believe this is positive proof that tellers at the PNC XXXX XXXX branch are illegally promoting customers obtaining a PNC Debit Card which I am sure comes with requirements to such things as direct deposit and requirements to use the card X number of times per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK AMERICA XX/XX/year> BANK AMERICA XX/XX/year> I APPLIED WITH THEM BUT THEY DENIED ME BECAUSE I DIDN'T MEET ONE OF THE REQUIREMENTS, BUT I NEED YOU TO PLEASE REMOVE THIS FROM MY CREDIT REPORT AS IT'S NEGATIVELY AFFECTING MY CREDTI SCORE.THANK YOU VERY MUCH FOR YOU ATTETION

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation