vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: I.A.C. INC
State: CT

Complaint narrative:
I remained in ongoing communication with the lender regarding my auto loan and never denied owing the debt. I provided hardship documentation and informed the lender that I was awaiting third-party funds, which the lender acknowledged reviewing. 
In written communication dated XX/XX/year>, the lender stated that I was required to provide an update or payment information no later than XX/XX/year>. I relied on this representation in good faith and believed I remained within the stated timeframe. 
I was not aware of follow-up emails dated XX/XX/XXXX and XX/XX/XXXX until XX/XX/XXXX, at which point I immediately responded. Prior to XX/XX/XXXX, I did not receive written notice that repossession had been re-opened, scheduled, or authorized. 
The vehicle was repossessed between the night of XX/XX/XXXX and the early morning of XX/XX/year>, prior to the XX/XX/XXXX date provided and without notice. I became aware of the repossession only after discovering the vehicle was gone when I attempted to retrieve personal property late on XX/XX/XXXX. 
At the time of repossession, the vehicle contained personal property belonging to me and my children, including more than half of my childrens clothing and food items. Some of the clothing was intended to be sold to generate funds to make payment more quickly. As of today, I have not been provided written notice of the vehicles location, the repossession agents identity, or instructions for retrieving my personal property.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ID

Complaint narrative:
I am filing a complaint regarding Columbia Debt Collection agency that violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting an unvalidated and disputed debt to the credit bureaus. 
I was first contacted by the debt collector regarding an alleged {$310.00} debt on XX/XX/XXXX. On the same day, I responded in writing disputing the debt in its entirety and requesting full validation pursuant to 15 U.S.C. 1692g ( b ). I clearly stated that the debt was disputed and that it could not be reported to credit bureaus until validation was provided. 
I received no validation or documentation. After hearing nothing, I followed up again in writing on XX/XX/XXXX. I received a response stating that my case had been received and would be processed in the order received. The collectors original correspondence required a response by XX/XX/XXXX, which I met. 
To date, I have never received any validation of this alleged debt. Despite this, the collector proceeded to report the account to the credit bureaus, causing damage to my credit. 
Reporting a disputed debt without providing validation constitutes continued collection activity in violation of 15 U.S.C. 1692g ( b ) and resulted in inaccurate credit reporting. 
I am requesting that the CFPB require the company to : Remove the account from all credit reports Cease collection activity until proper validation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: MS

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX XXXX XXXX. {$1300.00} Account number : XXXX XXXX XXXX XXXX XXXX XXXX. {$11000.00} Account number : 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 non-monetary relief
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX XXXX XXXX. {$1300.00} Account number : XXXX XXXX XXXX XXXX XXXX XXXX. {$11000.00} Account number : 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 2025-12-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: TX

Complaint narrative:
I entered into a vehicle leasing contract in Texas that was represented as a leasing but open to own agreement. Although the contract is labeled as a lease, it clearly includes a financing component because I am allowed to purchase the vehicle at the end of the term. 

The total cost of the agreement is approximately {$12000.00}, of which about {$8000.00} consists of interest and various fees. in 3 years. However, the contract does not disclose any APR or clearly identify the finance charge. 
This is for XXXX XXXX  valued total is {$28000.00} The sales representative emphasized the monthly payment will be less than {$400.00} but did not clearly explain the total cost, interest, or fees. I was not provided with transparent disclosures that would allow me to understand the true cost of financing. 
the sales also told us that we can get the tax back and talk to the us bank, if we are only leasing the car but not buying the car. I REALLY think that {$6000.00} is refundble and we only pay under {$400.00} for the monthly lease from the sales told us. 

I believe this agreement may constitute a disguised financing arrangement and may violate the Truth in Lending Act due to the failure to disclose APR and finance charges. I am requesting that this agreement be reviewed for unfair, deceptive, or abusive lending practices and that appropriate corrective action be taken. 

I rent my XXXX XXXX for 3 years and I only paid {$290.00} without any other fees/ downpayment or any other fees. my lexus was valued {$42000.00}. 
this XXXX  is only valued {$28000.00}

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I had an account with XXXX XXXX XXXX ( XXXX ), whom I paid in full in XXXX, XXXX and closed the account. XXXX obviously never cleared my accounts and sold their XXXX XXXX XXXX to American Express. American Express spontaneously called me in XXXX, XXXX stating that I owed {$12000.00}. I knew that was an error and thought it was a scam. 
I'm attaching the XXXX XXXX and respectfully request your assistance with getting this debt removed immediately. It has caused financially difficulty with me attaining low interest rates for a new automobile and still wasting my time. 
There are also XXXX other American Express accounts on my credit report. I have had no dealings with American Express, except for my current XXXX XXXX card. Although, these accounts are closed, the must be removed immediately, so that I can take charge of my credit, which I take seriously. Hopefully this is resolve immediately, so that I won't have to pursue further legal actions. Thanks in advance for your attention to this time-sensitive and serious matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: KY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my XXXX Bank account XXXX Account Number : [ Your Account Number ] ) by Experian. The account has been reported both as a charge-off and as having late payments, which creates a misleading and inconsistent credit report. 

This dual reporting violates the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which mandates accurate and consistent reporting. Moreover, it does not comply with XXXX XXXX standards, which require precise and consistent data reporting. 

I request that Experian provide verifiable documentation supporting the accuracy of this reporting. If Experian can not verify the information in compliance with the FCRA and XXXX XXXX, I demand the permanent deletion of this inaccurate information from my credit report.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect 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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
In early to XXXX, I visited a Trustmark Bank branch to open a new business checking account. At that time, I was experiencing ongoing personal and business identity theft and wanted to open a new account to protect my business finances. I chose this branch because it is within walking distance of my business, which would allow for easy deposits and daily operations. 

During the visit, I brought cash with me to deposit. The bank representative assisted me in opening the account but informed me that I would not be able to deposit funds that day and that I would need to wait for a letter in the mail before proceeding. 

After several weeks passed without receiving any letter, I returned to the branch to follow up. At that time, I was told that my business account application had been denied. I asked for the reason, but the representative stated she could not provide any explanation and said I would receive a letter in the mail. 

No letter was ever received. I later called the bank, spoke with a teller, and asked that the representative contact me. The representative left a voicemail, I returned the call, and since then I have received no response, no explanation, and no written notice of denial. 

In XX/XX/year>, I became aware that in addition to identity theft, I was also experiencing mail theft affecting both my personal and business correspondence. To date, I still have not received any written notice or explanation from Trustmark Bank regarding the denial of my business account.

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 2025-12-25 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: MS

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
On XX/XX/XXXX, I have received an email from Resurgent Capital Services, a debt collection agency, regarding an old debt from XXXX XXXX Bank they have said it was charged off on XX/XX/XXXX although it was not charged off during that time. 
The account they have claimed ending in XXXX was closed by XXXX XXXX Bank due to fraudulent activity and they have closed and replaced me with a new card ending in XXXX. 
Also the credit card account ending in XXXX as well XXXX other accounts with XXXX XXXX Bank has been included in my XXXX  XXXX bankruptcy petition and was discharged on XX/XX/XXXX. 
This debt collection agency is in violation of the FCRA and the federal bankruptcy discharge injuction and should not contact me via email, mail, text, or phone and must be held accountable for their actions. 
I have notified my attorney who has handled my bankruptcy here in Nevada about this matter and to see what legal steps I can take against Resurgent Capital Services and their subordinates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no connection to this account it is being reported in error and the details associated with it are false.

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 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: NV

Complaint narrative:
XXXX XXXX  ( formerly XXXX XXXX  ) is attempting to collect an invalid debt. My official ledger confirms a {$0.00} balance ( Exhibit A ), yet the school referred me to a third-party collector. I was coerced into a payment plan under threat of credit damage, resulting in {$620.00} being extracted for a non-existent debt. 

Staff member XXXX XXXX misinformed me that no grievance department existed to block my dispute. Furthermore, the XXXX  admitted to the XXXX balance via email but attempted to 'recall ' the message to conceal evidence. My formal FERPA request for records was ignored by XXXX XXXX XXXX, who closed the case without addressing the ledger or providing legally required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: SoLo Funds Inc.
State: IA

Complaint narrative:
On XX/XX/year>, I discovered a significant discrepancy in my SoLo Funds wallet. Despite a {$620.00} loan being due on XX/XX/XXXX, the platform triggered an unexplained " refund '' on XX/XX/XXXX without my authorization, notice, or consent. This action resulted in my XXXX XXXX balance dropping to - {$440.00}. I had no even withdrawn my full loan amount from my XXXX XXXX. 

I have made exhaustive attempts to resolve this through internal channels over the last four months : - Initial Ticket ( XX/XX/XXXX ) : Opened Ticket # XXXX. 

- Improper Closing of Tickets : On XX/XX/XXXX, SoLo closed the ticket as " resolved '' despite no change to my negative balance. A new ticket was opened ( # XXXX ). 

- Failure to Investigate : Since XXXX, I have received only generic " escalation '' notices. On XX/XX/XXXX, support asked if I was " still experiencing issues, '' demonstrating a total failure to review the detailed case history provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-25 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: TX

Complaint narrative:
I recently discovered that a TransUnion consumer account was created and accessed without my knowledge or consent using my personal information. The mobile phone number and email address used to create this TransUnion account do not belong to me. Upon investigation, the phone number used is associated with an individual who lives at a residence connected to an ongoing identity theft investigation involving my personal and business information. 

In or around XX/XX/year>, a credit card was fraudulently requested using my personal and business identity without authorization. That credit card was used to make multiple unauthorized purchases, including a firearm. During this period, a credit card company sent a text message to my former business partner asking whether fraudulent purchases were being made in my name. A screenshot of this message was later submitted as part of a temporary restraining order filed against me on or about XX/XX/year>. 

Shortly thereafter, I recorded documentation stating that a XXXX credit card application had been requested and that a fraud alert existed on my TransUnion file. I did not place a fraud alert at that time and was unaware that a TransUnion account had already been created in my name. 

In XXXX, after recognizing the severity of the identity theft, I personally placed fraud alerts and credit freezes with all credit bureaus. When attempting to create my own TransUnion account, I discovered that an account already existed and could view partial contact details that were not mine. I notified the law enforcement detective assisting with my identity theft case the following morning. 

Since that time, I have experienced repeated unauthorized changes to my credit profile, including variations of my name, changes to current and prior addresses, and the appearance of phone numbers and employers connected to individuals involved in the identity theft. I have also been locked out of financial and credit accounts multiple times, and credit cards have been issued and mailed to addresses where I do not reside. 

Based on these events, I believe the unauthorized TransUnion account has been used to access, modify, and manipulate my credit information, including personal and business data, without my consent.

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