vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
I am a victim of identity theft. My personal information was fraudulently used to open a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date opened XXXX ). In addition, the following unauthorized hard inquiries appear on my TransUnion file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no involvement in creating or using this account or in these applications. Pursuant to Section 605B of the Fair Credit Reporting Act, I am requesting that this account and these inquiries be blocked and permanently removed. I am submitting my FTC Identity Theft Report, Social Security card, government-issued ID, and proof of address to verify my identity and support this request.

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 2025-10-01 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: SC

Complaint narrative:
I am requesting the investigation and correction of the account XXXX XXXX XXXX XXXX XXXX XXXX which shows a balance owed of {$17000.00}. The information reported may be inaccurate or inconsistent with my records. Under the Fair Credit Reporting Act ( FCRA ), including 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), furnishers are required to investigate disputes and correct or remove inaccurate information. I request that this account be thoroughly reviewed and corrected to ensure that my credit report reflects accurate and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime
State: FL

Complaint narrative:
I went to DriveTime in XXXX, XXXX  on XX/XX/year> to get a car. The engine had gone out on my previous car and I needed a vehicle to get around to work and for my children. I sat down with a woman, the first person I worked with was a man named XXXX but he handed me off to a XXXX woman who was a fast talker. I showed her the car I was interested in and a grin went across her face as if she knew something o didnt. But again, Im in a crunch so I brushed it off. We go back inside she tells me do the application from my phone through the DriveTime app. I do that but the app never gives me the opportunity to select a payment or the frequency as it is advertised on the tv and in their business. But again your are trusting these people to do right. 
We sit a makeshift desk and get on a computer. She talks about products offered that I do not want. I told her I wanted the warranty from XXXX XXXX because Id noticed that the undercarriage of the car was rusty and I had come from XXXX. She asked me what type of payment could I afford I told her about {$300.00} to {$350.00} a month. I advised that I absolutely wanted nothing biweekly because Id had it before and did not like it. I could save money that way. I told her this!!!! We get to the contract and of course the first thing Im listening for is my payment. The contract is on a computer is not on paper in front of you. I also do not do her job so I am not aware of how the contract looks and where the information can be found. She tells me my payment is {$290.00}, which is music to my ears. She scrolls down and says sign here after telling me the amount of my payment. She did not follow up with biweekly or monthly, she said just {$290.00}. Then quickly jumped to XXXX. I told her I did not want it because I did not want anything extra added to the payment. She kept pushing and telling me its for the police of the car gets stolen. I told her I didnt want it. She then says its less than {$1.00} a month. I still said I didnt want. She then said, well if its stolen and the police cant find it, you will get {$5000.00} something like that. She wouldnt let up. I then caved so I could leave. She added XXXX  to my account and gave me the keys. I had to make my first payment later that month. After I made the first payment to XXXX, the rep says your next payment is due XXXX. The date she gave was XXXX weeks after the payment I just made. I said, wait this is biweekly? She told me yes, {$290.00} every XXXX weeks. I immediately told the rep that is not what I signed up for. That is not what the salesman told me. And she said, well you signed the contract. That was the response to everything, you signed the contract but no one XXXX  that I was lied to by DriveTime and was swindled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Complaint Against : XXXX XXXX XXXX XXXX XXXX, TX Introduction : I am filing this complaint regarding XXXX XXXX 's XXXX dealership due to ongoing administrative and financial failures following my vehicle purchase/trade-in on XX/XX/year>. 

Detailed Issues : Delayed Positive Equity Payment ( Resolved after follow-up, but indicative of poor process ) : The Problem : The dealership delayed paying me the positive equity of {$110000.00} that was owed to me at the time of sale. 

Action Taken : I contacted the dealership on multiple occasions. 

Resolution Status : The payment was finally resolved and the check cleared only after repeated follow-up. [ While resolved, including this shows a pattern of administrative failure. ] Failure to Submit Required County Tax Assessor Paperwork ( Current, Unresolved Issue ) : The Problem : The dealership has failed to submit the required sales/title paperwork to the XXXX XXXX XXXX XXXX 's office. 

Impact : This failure prevents me from obtaining my vehicle license sticker, meaning I am driving without it, which could result in a citation. 

Action Taken : I have contacted the dealership multiple times, but the issue remains unresolved. 

Desired Resolution : I request that the XXXX XXXX XXXX XXXX XXXX dealership take the following immediate actions to resolve this complaint : Immediately and officially submit all required sales and title paperwork to the XXXX XXXX XXXXr 's office. 

Provide me with proof of submission ( e.g., tracking number or stamped receipt ) within XXXX business days.

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
CONCORA CREDIT would not send me information through my email i travel and they insisted it go to my mailing address. They never gave me another option. They never sent the mail but claimed they did. They won't expedite the mail either basically saying we don't have it and we are just tugging at you leg. 

The company is from XXXX With no american parent company This is a scam company that buys debts without, looking into the legitimacy of the debt holder. I never used the credit card. If they did any research they could easily tell this was fraudulent. 

This makes me feel like they are in cahoots with the first scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
The reported item mischaracterizes my payment record and seems incorrect. Kindly investigate and amend it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
This entry is inconsistent with my record of prompt payments and seems inaccurate. Kindly review and delete it from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-10-01 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: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding the inaccurate and inconsistent reporting of my XXXX  XXXX account # XXXX across the three credit reporting agencies. This tradeline has been mishandled and reported in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Irregularities Identified XXXX  Account Deleted Status shows Deleted/ Removed.

This confirms that the account was previously disputed and resolved in my favor. 

Experian Refusal to Delete Experian continues to report the account with derogatory late payments ( 3060 days past due ). 

Status incorrectly remains as In Dispute despite deletion from other CRAs. 

This is a clear reinsertion violation and failure to maintain consistency. 

XXXX Positive Status TransUnion reflects the account as Positive, current, with no late payments. 

Confirms that Experians reporting is inconsistent and inaccurate. 

Conflicting Activity & Reporting Dates XXXX  Last Activity XX/XX/XXXX. 

Experian Last Activity XX/XX/XXXX. 

XXXX  Last Activity XX/XX/XXXX. 

Three different last activity dates for the same account is impossible, demonstrating inaccurate data furnishing.

Laws Violated FCRA 611 ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted accounts without proper notice.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing of false or misleading information by the furnisher.

FDCPA 807 : False representation of the legal status of debt.

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 2025-10-01 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 contesting items attributed to accounts created without my consent. Please review in depth and remove them accordingly. Enclosures are included.

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 2025-10-01 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Im a Single Father Trying To buy A Home! & Im up loading a Cease and Desist letter, with other supporting documents. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Dispute and Request for Blocking under 15 U.S.C.

1681c-2 To Whom It May Concern, I am the victim of identity theft, and I am disputing the reporting of a fraudulent account that does not belong to me. I am requesting, under 15 U.S.C. 1681c-2, that this account be blocked from my credit file immediately. 

The fraudulent account appears on my credit file as : - Creditor : Santander Consumer USA - Account # : XXXX Enclosed, please find the following supporting documents for your review : - A copy of my government-issued photo identification - A copy of a recent utility bill as proof of address - A copy of my dispute letter sent to the creditor Please note : My government-issued identification may display a prior address. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as supported by the enclosed proof of address. 

For your reference, here is my identifying information : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Last XXXX of XXXX : XXXX - Date of Birth : XX/XX/XXXX Please investigate this matter and confirm in writing that the fraudulent account has been removed from my credit file. Be advised that under federal law, you are required to block such information once proper documentation has been provided. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: GA

Complaint narrative:
Dear Sir or Madam, I am filing this complaint regarding serious issues with my recently purchased vehicle, a XXXX XXXX XXXX XXXX, purchased from DriveTime on XX/XX/XXXX, and supposedly protected by a XXXX dealer warranty administered by XXXX. 

Chronology of Events XX/XX/XXXX I purchased the vehicle from DriveTime, paying a {$4000.00} down payment and committing to monthly loan payments through XXXX. The salesman assured me that any defects would be covered under the dealers XXXX warranty. 
XX/XX/XXXX I reported defects and submitted a warranty claim to XXXX. 
XX/XX/XXXX I delivered the vehicle to the designated in-network repair facility. This was the XXXX day after purchase, still within the warranty coverage period. 
Since XX/XX/XXXX, I have been without use of the vehicle while continuing to make monthly loan payments. 
XX/XX/XXXX When retrieving paperwork from the shop, the mechanic informed me that they had told XXXX the car must be taken to a XXXX dealership due to an engine malfunction and that the engine appeared to have been replaced previously. This material fact was never disclosed at the time of sale. 
XXXX failed to communicate this to me and instead insisted that I pay a deductible, while also claiming that the warranty had expired. 

Issues XXXX. Misrepresentation at Sale DriveTime failed to disclose that the engine had been replaced. This constitutes a material omission. 
XXXX. Failure to XXXX XXXX I timely submitted my claim ( XX/XX/XXXX ) and delivered the vehicle within the XXXX period ( XX/XX/XXXX ). Nonetheless, XXXX attempted to impose a deductible. 
XXXX. Financial Burden & Loss of Use I have been deprived of the vehicle since XX/XX/XXXX, while still paying the loan. I have already paid {$4000.00} down and subsequent loan installments for a car I can not drive. 
XXXX. Bad Faith Both XXXX  and DriveTime have denied coverage and resolution despite clear federal and state consumer protections. 

Legal Basis Magnuson-Moss Warranty Act ( XXXX U.S.C. XXXX et seq. ) Prohibits limiting or diminishing consumer rights under written warranties. 
Uniform Commercial Code ( XXXX XXXX, Implied Warranty of Merchantability ) Requires vehicles to be fit for ordinary use at the time of sale. 
Georgia XXXX XXXX ( XXXX. XXXX XXXX XXXX. ) Protects consumers against defective vehicles and obligates dealers and administrators to honor warranty obligations. 

This also was escalated to Georgia XXXX Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 formally dispute the items in my credit file tied to accounts I did not open. Please conduct a detailed investigation and remove them. Supporting materials are enclosed.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This is regards to Target Red Card Target Card Services XXXX XXXX This company failed to provide me with the contract I signed and the laws around them selling my account to fraud debt collectors- I called Target and my payment is due XX/XX/XXXX and yet I get a letter from a hoax debt collector don t care that they try to intimidate senior citizens aggress make phone calls after XXXX XXXX use bad language are corrupt and in cahoots with the judges - Target sells account on purpose so they can write off bad debt I have not authorized them to sell my information and that is fraud! Plus they abuse senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-01 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-01 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: PA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation