vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: MT

Complaint narrative:
XXXX XXXX loan elgibility XXXX payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
I was looking at my report and noticed that some things were incorrect. I sent a letter to Equifax in XXXX XXXX concerning these inaccuracies. But it has been more than XXXX  days since the credit bureaus have provided me a response. I am writing to formally dispute inaccurate and/or incomplete information that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which entitles me to an investigation of any item I believe to be incorrect. This is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2025-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CO

Complaint narrative:
I took out student loans serviced by XXXX  XXXX to attend XXXX  XXXX XXXX ( XXXX  ). The school used false advertising, misleading job placement promises, and high-pressure enrollment tactics to persuade studentsespecially XXXX and XXXX  studentsto take out loans under the Higher Education Act. 

I was told that the program would provide strong career training and guaranteed employment after graduation, but those promises were not true. The education I received was poor in quality, with limited instruction and outdated materials. The programs were overpriced and did not lead to the career opportunities that were promised. 

Because of these misrepresentations, I was misled into taking out student loans that I would not have accepted if the school had been honest. I made payments on these loans, and they were reported as closed with a {$0.00} balance by XXXX  around XX/XX/XXXX, but I am now requesting a full refund of all payments made, because the loans were obtained under fraudulent and deceptive conditions. 

XXXX  XXXX XXXX permanently closed on XX/XX/XXXX, after a U.S. Department of Education settlement with its parent company, XXXX XXXX XXXX ( XXXX ). The Department confirmed that FCC engaged in widespread misconduct, including illegal recruitment practices and false statements to students. 

I am therefore asking that all loans I took through XXXX  to attend FCC be fully refunded and officially recognized as discharged under the Borrower Defense to Repayment ( 34 C.F.R. 685.206 ) and Closed School Discharge ( 34 C.F.R. 685.214 ) regulations. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
I was looking at my report and noticed that some things were incorrect. I sent a letter to Equifax in XXXX XXXX concerning these inaccuracies. But it has been more than XXXX  days since the credit bureaus have provided me a response. I am writing to formally dispute inaccurate and/or incomplete information that appears on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which entitles me to an investigation of any item I believe to be incorrect. This is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
My lease terms were changed after I had already signed a contract and they changed it behind my back without my knowledge and with a higher interest rate and a higher monthly pay. All my payment is going to interest. I was forced me to sign a new contract because they had already got my car and I expressed concerns about that wasn't right & its to high for me. I am setup to fail. I asked repeatedly and nothing was done. And every time I turn around the vehicle back in the service area, with them taking little to no responsibility or accountability to fix my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Sent to certified letters to FMS collections agency and they rejected the both letters. I was never contacted about the debit and never received any information about the debit in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I filed an FTC Identity Theft Report documenting multiple fraudulent accounts, including the XXXX XXXX XXXX XXXX account. All other fraudulent accounts have been removed, but this account remains listed and was verified despite clear evidence of identity theft. 

This is a direct violation of federal law. Under FCRA 605B, information resulting from identity theft must be blocked from a consumers credit file within 4 business days of receipt of a valid FTC Identity Theft Report. XXXX XXXX and the credit bureau have knowingly and willfully failed to comply, keeping fraudulent information on my credit report. 

Additionally, FCRA 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( 3 ) require furnishers and credit reporting agencies to ensure maximum possible accuracy and promptly investigate disputes. By failing to remove this account, they are : Furnishing and maintaining false information ( 623 ( a ) ( 1 ) ) Failing to conduct a reasonable investigation ( 611 ( a ) ) Violating duties to prevent foreseeable harm to consumers ( 602 ( a ), 607 ( b ) ) I demand immediate action to : Block and permanently remove the XXXX XXXX XXXX XXXX account from my credit file. 

Provide written confirmation that my credit report is corrected. 

I have attached my FTC Identity Theft Report, photo ID, proof of address, and prior CFPB correspondence. Continued failure to comply constitutes knowing violation of federal law, which exposes the company and the credit bureau to statutory damages, attorney fees, and additional enforcement action. 

If XXXX  XXXX and the credit bureau do not immediately comply with FCRA 605B and all applicable sections cited above, I am prepared to pursue all available legal remedies, including : Filing a private FCRA lawsuit for willful violations, which can include statutory damages up to {$1000.00} per violation, actual damages, and attorneys fees ( XXXX ). 

Requesting enforcement action from the FTC and CFPB for failure to follow federal law. 

Notifying all relevant regulators and taking further action to protect my consumer rights and credit reputation. 

Continued inaction will be treated as reckless disregard for federal consumer protection laws and may result in immediate escalation to federal court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. DELETE all information which can not be verified. 
I demand the following accounts be verified or deleted immediately.

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 2025-11-09 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: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate and unverifiable accounts appearing on my credit report. These items are negatively impacting my credit and have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite previous disputes, these furnishers continue to report misleading or inconsistent information. 



XXXX. Diversified Adjustment is reporting a collection account for {$640.00} from XXXX on my credit report. I have not received any official notice, validation letter, or documentation proving that I owe this debt or that Diversified Adjustment has legal authority to collect or report it. The balance, payment history, and dates appear inaccurate and inconsistent with any account I have had. 


XXXX. XXXX XXXX  is inaccurately reporting late payments on a paid and closed account on my credit report. The account shows multiple late notations ( XXXX, XXXX, and XXXX days past due ) that do not accurately reflect my payment history or the circumstances of the account closure. Since this account was closed at the credit grantors request and has a XXXX balance, continued negative reporting is both misleading and harmful to my credit profile. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is reporting inaccurate and unverifiable information on my credit report. The account shows a charged-off balance of {$1900.00} with numerous late-payment notations and inconsistent dates that do not match my payment records or loan terms. I have not received full validation or documentation to verify the accuracy of this reporting. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) is reporting inaccurate and misleading information on my credit report. The account shows a charged-off balance of {$9100.00} with a past-due amount of {$9500.00}, along with late payments and a repossession notation that are not consistent with the true history of this loan. I have not received proper documentation or validation confirming the accuracy of this debt or proof that the reported balance and charge-off status are correct. The payment history also contains inconsistencies that unfairly damage my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate and unverifiable accounts appearing on my credit report. These items are negatively impacting my credit and have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite previous disputes, these furnishers continue to report misleading or inconsistent information. 



XXXX. XXXX XXXX is reporting a collection account for {$640.00} from XXXX on my credit report. I have not received any official notice, validation letter, or documentation proving that I owe this debt or that XXXX XXXX has legal authority to collect or report it. The balance, payment history, and dates appear inaccurate and inconsistent with any account I have had. 


XXXX. Synchrony Bank is inaccurately reporting late payments on a paid and closed account on my credit report. The account shows multiple late notations ( XXXX, XXXX, and XXXX  days past due ) that do not accurately reflect my payment history or the circumstances of the account closure. Since this account was closed at the credit grantors request and has a XXXX balance, continued negative reporting is both misleading and harmful to my credit profile. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is reporting inaccurate and unverifiable information on my credit report. The account shows a charged-off balance of {$1900.00} with numerous late-payment notations and inconsistent dates that do not match my payment records or loan terms. I have not received full validation or documentation to verify the accuracy of this reporting. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX  ) is reporting inaccurate and misleading information on my credit report. The account shows a charged-off balance of {$9100.00} with a past-due amount of {$9500.00}, along with late payments and a repossession notation that are not consistent with the true history of this loan. I have not received proper documentation or validation confirming the accuracy of this debt or proof that the reported balance and charge-off status are correct. The payment history also contains inconsistencies that unfairly damage my credit standing.

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these accounts be reviewed, and if they can not be verified as correct, they should be removed.

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 2025-11-09 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the FOLLOWING ACCOUNT-XXXX XXXX XXXXXXXX  BALANCE {$200.00} COMPLETELY IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 


I DEMAND that you DELETE the following ACCOUNT listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX : {$200.00}

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 2025-11-09 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the FOLLOWING ACCOUNT-XXXX XXXX XXXX  BALANCE {$200.00} COMPLETELY IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 


I DEMAND that you DELETE the following ACCOUNT listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXXXXXX : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
Experian is reporting an auto loan from XXXX XXXX XXXX XXXX as a repossession, even though the furnisher unlawfully seized the vehicle after I submitted certified written settlement and payoff requests. The dealership ignored both certified letters and refused written communication. The repossession was retaliatory and unsupported by any legal default notice. I have filed a related complaint with the CFPB against XXXX XXXX XXXX XXXX ( reference XXXX ). I am requesting deletion of the inaccurate tradeline and full reinvestigation under FCRA 611 and 623 ( 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 2025-11-09 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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