vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
In XXXX I financed a vehicle though Clay Cooley XXXX XXXX XXXX XXXXXXXX XXXX as the lending company. I recently reviewed my contract and discovered that the dealership submitted an insurance card that was not in my name, nor did it cover the vehicle, in order to push financing. I did not provide or authorize this policy. The dealership also forged or misrepresented coverage limits on the acknowledgement form that weren't listed on any insurance used to make it appear compliant with financing requirements. 

I am still under the active financing contract for this vehicle and the harm is ongoing. The loan was approved and continues to be enforced based on false documentation. I have also experienced inaccurate credit reporting related to this account. 

I submitted a resolution request to the dealership with detailed evidence but have not received a substantive response. This is a follow-up and clarification to a previous complaint that was closed- I am resubmitting this complaint with full context and updated information to ensure an accurate review. 

( Initial Complaint : XXXX ) - Initially submitted to lender ; lender denied responsibility stating that the matter is was between me and the dealership.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-17 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: FL

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 identity 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 XXXX, 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 XXXX 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. XXXXi ( a ) ( XXXX ) ( 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. CXXXXe XXXXb 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. CXXXXe XXXX XXXXXXXX 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 XXXX business days after the date of receipt. 

15 U.S. CXXXXe XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
XX/XX/2024, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
No Prior Notice or Validation : I have not received any legally required notice of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), including a debt validation letter. I dispute the validity of this debt and request immediate verification, including a copy of the original signed contract and a full itemization of the charges. 

Inaccurate Reporting Dates : The payment history section shows inconsistent and unclear markings for the months leading up to XX/XX/year>. It is unclear when this account entered collections and how the timeline aligns with the Fair Credit Reporting Act ( FCRA ) rules regarding accurate date reporting. 
Questionable Ownership and Authorization : I request documentation showing the legal chain of custody from the original creditor ( XXXX XXXX XXXX  XXXX. ) to XXXX XXXX. Without this documentation, I dispute that this company has a legal right to report this debt or collect on it. 
Potential Re-Aging of Debt : If this debt was incurred prior to XX/XX/year>, and subsequently re-aged to appear more recent, that would be a violation of FCRA rules. Please investigate and confirm the actual date of first delinquency. 
Action Requested : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian and XXXXXXXX XXXX conduct a thorough investigation into this matter. If the information can not be verified, I request that it be deleted from my credit report. Please provide a written statement of the outcome of your investigation and any documentation used to verify the account. 
This letter serves as a formal dispute and request for reinvestigation. Please consider this matter urgent and respond within the legally required 30-day period. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company XXXX is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard XXXX  my reputation, my character, my mode of living XXXX XXXX my family! 


I demand the late payment XXXX  be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX XXXX its requirements set the standards XXXX the guidance for a creditor XXXX treat a payment as late, yet they are reporting a payment as late XXXX they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time XXXX  make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed XXXX  ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered XXXX the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date XXXX this information was requested in good faith pursuant rule XXXX XXXX It was never provided. 


This is unfair, illegal, fraudulent, XXXX not equitable XXXX me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Someone has gotten XXXX different student loans in my name and it wasn't me. XXXX for XXXX, and another for XXXX. This is fraudulent.I haven't even XXXX XXXX, I don't authorize any of them

Company response to consumer: Untimely response
Consumer complaint received 2025-05-17 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: RentDebt Automated Collections, LLC
State: OK

Complaint narrative:
There are XXXX collections showing on my account XXXX. XXXX XXXX XXXX {$8300.00} Opened XX/XX/year> ( XXXX Apartments ) XXXX. XXXX XXXX XXXX {$5900.00} Opened XX/XX/year> ( XXXX XXXX ) XXXX. XXXX AI {$500.00} Opened XX/XX/year> ( PRESTONWOOD ) XXXX. XXXX XXXX Collections {$250.00} Opened XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) All of the accounts listed above are fraudulent accounts that do not belong XXXX me. I have never ever done any business with any of these individuals listed above. Upon research it shows that all of these accounts are located in XXXX Texas. I do not XXXX have not ever lived in XXXX Texas. I live in XXXX Oklahoma also the creditors have listed my name as XXXX XXXX XXXX which is the same name used XXXX  establish these fraudulant accounts my name is not XXXX XXXX XXXX it is XXXX XXXX XXXX. I am requesting that these debtors provide proof that this was me XXXX verify the identification method used XXXX establish these accounts XXXX ask the apartments XXXX provide proof XXXX  compare names, signatures, addresses, pictures. If they are unable XXXX proove accuracy then the debt should be removed immediately these accounts are appearing on my chex system, experian, transunion, equifax. The debts has lowered my score dramatically. There is an active police report in place and a fraud alert a freeza and a XXXX XXXX alert in place including a statement to prevent any further fraudulant activities companies are being asked XXXX call before establishing credit XXXX be sure that it is actuall me that is opening up the account. I have attached my license that can be used XXXX compare with any fraudulant documents XXXX  I have attached my social that shows my correct name, I have included a police report that describes the incident in detail, XXXX I have included my home insurance as verification of my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I have continued to get requests for medical debt payment from TSI. They have provided private health information for another individual to me while seeking debt I do not owe. I received this information on XX/XX/XXXX from a letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

I disputed an apartment-related collection account that XXXX XXXX XXXX is reporting on my credit file. After initiating the dispute with the credit bureaus, the account remained on my credit report. However, I never received sufficient verification of the alleged debt from XXXX XXXX XXXX, nor was I provided with documentation showing how the debt was verified, the original contract, or a signed lease showing my legal obligation to the debt. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if the furnisher of information ( in this case, XXXX XXXX XXXX ) verified a disputed item, they must provide the method of verification and the underlying documentation to support the continued reporting of the debt. This was not provided to me. Instead, my dispute was marked as closed, and the inaccurate and unverified information remains on my report, causing further damage. 

Additionally, under XXXX XXXX. XXXX ( b ) of the FDCPA, a debt collector must cease collection and verify the debt when a consumer disputes it in writing within 30 days. I requested this information and did not receive proper validation or a detailed response that satisfies this requirement. 

Because XXXX XXXX XXXX continues to report this unverifiable debt, and because the credit bureaus did not receive nor provide proof of the method used to verify it, I am requesting that : XXXX XXXX XXXX be investigated for failure to comply with federal law. 
This account be removed immediately from all consumer credit reporting agencies due to lack of verification and transparency. 
I receive a written response with detailed verification, including the name and method of verification used, per FCRA and FDCPA guidelines. 
This continued reporting is inaccurate, incomplete, and violates my rights. I am requesting prompt resolution and removal of this 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
If credit scores are truly a reflection of financial responsibility, why is my score decreasing as I pay down debt? This suggests a systemic flaw : consumers are subtly coerced into maintaining debt just to preserve or improve their scores. Thats not accountability, thats manipulation. If the system punishes good behavior while rewarding debt dependence, then credit scoring is not just misleadingits deceptive by design. This pattern reflects malicious corporate intent, not consumer advocacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
I have XXXX Unemployment benefits. The State used Way2GO debit card for payment. I have transferred funds into my bank numerous time. Recently I attempted to transfer funds again. On their site I get submission confirmation, I get email confirmation of success. The money never reaches my bank. I get NO NOTIFICATION of the failure. From my bank online discover there's no transfer. I look at the Way2Go website and see the funds snatched back. I GET NO NOTIFICATION. I had to XXXX how to talk to a person through their customer service, which is tricky. After talking with several people I'm transferred to Fraud where I'm told there was a suspected fraud attempt against my card. They will not tell me where this originated. I got NO Notification of a fraud attempt. I have submitted every piece of documentation they requested to prove my identity. 
I have less than XXXX in my bank account and need that transfer immediately. This has taken weeks of my time with no answers to my questions. I have no address for this company and it takes XXXX to find a trick to talk to a person. I have documentation of all I have described.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I signed up on or around XX/XX/year>, for what appeared to be a {$1.00} free trial with XXXX. The next day, XX/XX/XXXX, they charged me {$99.00} without warning. Then, around XX/XX/XXXX, they charged me another {$99.00}. I only used the service once. 

I didnt catch the second charge right away because Ive been working a lot and wasnt closely monitoring my bank statements at the time. I originally thought it was a one-time issue or that Id at least receive a heads-up. But when I saw it happen again, I realized it was a recurring billing trap that preys on busy consumers who forget or dont expect hidden billing. Im not a dealershipI dont need to pay XXXX  XXXX for unlimited VIN checks. 

I filed a dispute with Huntington Bank, but it was denied. I recently asked them to review it again, and they said Ill get a response within XXXX business days. 

When I signed up, the page had {$1.00} XXXX XXXX in large, bold text, which made me believe I had time to cancel. Instead, the charge came the next day with no clear warning or notice. I feel they used misleading language just to get my card on file, knowing most people wont notice until later. 

Ive seen other consumers file complaints with the XXXX  and successfully get refunds for the same issue. But Ive received nothing. 

I believe these charges were deceptive, not clearly disclosed, and not authorized with informed consent. Im asking for help recovering the {$200.00} that was wrongfully taken from me.

Company response to consumer: Closed with explanation