vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I purchased a vehicle from Texas XXXX of XXXX on XX/XX/year> and signed a financing agreement, but I was never given a copy of the contract despite requesting it. The dealer accepted my down payment of {$2000.00} and told me the sale was complete, and I drove off that day with the car. Days later the finance XXXX emailed me saying the bank had not finalized the loan. I cooperated fully and provided the information requested, even when I had to re-send the same information more than XXXX time. A week has gone by and the dealership is now saying that the loan is going to likely fall through and that I can come in and try financing it with another bank, but I can not receive my down payment, and I am held at fault for the loan not going through. I do not have the contract so I know nothing about the loan. I believe this is a yo-yo financing scam. This also violates my rights under the Truth in Lending Act, since I was not given a copy of the signed agreement at the time I left with the car or when requested in the days following.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several unauUmrizecl inquiriies on my credit report, in aooorclance with my lights under the Fair Credit Reporting Ad ( FCRA ), specifically sect1inns 611 { 15 U.S.C. 1681i ), 609 { 15 U.S.C. 1681g ), and 604 ( 15 u_s_c_ 1681b ). 
After reviewing my recent crndit mport, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-08-09 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: U.S. BANCORP
State: WA

Complaint narrative:
I was referred to a collection agency ( XXXX XXXX XXXX ) for a credit card account with US Bank after losing my job during the XXXX pandemic. In late XXXX, I was finally able to pay the debt in full to the collection agency assigned by US Bank. XXXX XXXX XXXX provided a receipt of payment, and their portal reflected that the debt had been fully settled. 

However, a few months later, I began receiving calls from another collection agency regarding the same debt. I explained that the debt had already been paid and contacted XXXX XXXX XXXX to confirm. They instructed me to email proof of payment and relevant details, which I did multiple times. Unfortunately, my attempts to communicate with them via email went unanswered. When I called XXXX XXXX XXXX directly, they refused to assist me, stating that the debt was no longer assigned to them. I explained that payment had been made to them while they were handling the account, but they insisted there was nothing they could do and referred me back to US Bank. 

I then contacted US Bank, who instructed me to fax the necessary documentation and details of the issue. After complying, US Bank claimed they had not received the payment from the collection agency and redirected me back to XXXX XXXX XXXX. When I made another attempt to resolve the matter with XXXX, they again refused to help and continued to refer me back to US Bank. 

Feeling helpless as both companies failed to resolve the issue, I filed a dispute with XXXX  However, XXXX closed the dispute, stating that the debt was valid and confirmed as active by US Bank. In every communication with XXXX XXXX XXXX, US Bank, and XXXX, I provided clear documentation showing that the debt had been paid. This included a receipt from XXXX XXXX XXXX, a screenshot from their portal confirming the payment, an official bank statement, and a screenshot of the specific transactionall of which clearly demonstrate that the debt was settled in full. 

This process feels deeply flawed and leaves consumers with little recourse, even when they have acted in good faith to resolve their debts with creditors.

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I withdrawaXXXX XXXX XXXX  worth of XXXX from money app in my XXXX XXXX address the amount got deducted and I didn't receive my withdrawal yet XXXX have gone I'm soo much worried please help me the transaction is not reflecting on blockXXXXXXXX explorer but the cash app is show the withdrawal is confirmed on chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Hello! I am requesting an immediate update of correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported XXXX be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX/XXXX  XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$1400.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Original Creditor XXXX XXXX  XXXXXXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello! I am requesting an immediate update of correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported XXXX be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX/XXXX  XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$1400.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Original Creditor XXXX XXXX  XXXXXXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/year> - {$540.00} 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a used vehicle from XXXX in XXXX XXXX XXXX XXXX Within the first five days, I heard a noise when cranking up the truck so I took it back to the dealership for them to fix the problem. They did absolutely nothing and I constantly had issues until XXXX my transmission was acting funny and took it to a mechanic and found that I had a bad transmission. I only had the vehicle for couple months and barely drove anywhere. The shop had my truck for two months which caused me to fall behind with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-08-09 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: FL

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. XXXX bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$62000.00} XXXX XXXX XXXXXXXX Balance {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is in regard to account XXXX for XXXX XXXXXXXX XXXX XXXX 

We were late on pmt when job market bad with covid and did express to company. It should not even be reported since we were on some type of financial hardship. This was more then XXXX yrs ago and we have been current and always ontime since then. 

We spoke with XXXX XXXX and they state they will leave for 7 years. 
HOWEVER they are constantly reporting it as if the XXXX late pmt just occurred and it keeps bringing our credit score down by l ; ike XXXX or more points even though we have got an increase in our score in may places because we are paying off many things. 

It would go up but then XXXX XXXX would renew the XXXX late pmt which also was during financial hardship and it should not be reported as something new.It is not legal for them to report it as if it just occurred and bring a score down by that much. 

I have attached a picture of how big the score jumped down because of this XXXX difference even though our other stuff has been paid down. 

I also have made a point to pay this loan off early so I do not have to deal with XXXX XXXX predatory practice.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is in regard to account XXXX for XXXX XXXXXX/XX/XXXX 

We were late on pmt when job market bad with covid and did express to company. It should not even be reported since we were on some type of financial hardship. This was more then XXXX yrs ago and we have been current and always ontime since then. 

We spoke with XXXX XXXX and they state they will leave for 7 years. 
HOWEVER they are constantly reporting it as if the XXXX late pmt just occurred and it keeps bringing our credit score down by l ; ike XXXX or more points even though we have got an increase in our score in may places because we are paying off many things. 

It would go up but then XXXX XXXX would renew the XXXX late pmt which also was during financial hardship and it should not be reported as something new.It is not legal for them to report it as if it just occurred and bring a score down by that much. 

I have attached a picture of how big the score jumped down because of this one difference even though our other stuff has been paid down. 

I also have made a point to pay this loan off early so I do not have to deal with XXXX XXXX predatory practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: WA

Complaint narrative:
This is in regard to account XXXX for XXXX XXXX XXXX XXXX 

We were late on pmt when job market bad with covid and did express to company. It should not even be reported since we were on some type of financial hardship. This was more then XXXX yrs ago and we have been current and always ontime since then. 

We spoke with XXXX XXXX and they state they will leave for 7 years. 
HOWEVER they are constantly reporting it as if the XXXX late pmt just occurred and it keeps bringing our credit score down by l ; ike XXXX or more points even though we have got an increase in our score in may places because we are paying off many things. 

It would go up but then XXXX XXXX would renew the 2 late pmt which also was during financial hardship and it should not be reported as something new.It is not legal for them to report it as if it just occurred and bring a score down by that much.

I have attached a picture of how big the score jumped down because of this one difference even though our other stuff has been paid down. 

I also have made a point to pay this loan off early so I do not have to deal with XXXX XXXX predatory practice.

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 2025-08-09 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: OK

Complaint narrative:
Under the Privacy Act of XXXX and 15 U.S.C. 1681, I report the misuse of my personal data in the XXXX breach at Experian Information Solutions , Inc., XXXX XXXX XXXX XXXX XXXX. My name, Social Security number, and financial details were exposed, risking identity theft. I request a step-by-step breakdown of failed validation processes : risk assessments, security program reviews, data accuracy checks, incident response plans, XXXX XXXX  compliance, consumer notifications, and regulatory reporting. I froze my credit and enrolled in monitoring but demand deletion of my data from these agencies systems as a fair resolution, alongside XXXX free monitoring and stricter GLBA/FCRA oversight. I opt out of credit reporting until robust remedies are implemented. I urge the CFPB to investigate and enforce these measures as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: OK

Complaint narrative:
Under the Privacy Act of XXXX and 15 U.S.C. 1681, I report the misuse of my personal data in the XXXX breach at XXXX XXXXXXXX XXXX XXXX XXXX, Equifax XXXX, and XXXX XXXXXXXX. My name, Social Security number, and financial details were exposed, risking identity theft. I request a step-by-step breakdown of failed validation processes : risk assessments, security program reviews, data accuracy checks, incident response plans, XXXX XXXX  compliance, consumer notifications, and regulatory reporting. I froze my credit and enrolled in monitoring but demand deletion of my data from these agencies systems as a fair resolution, alongside XXXX free monitoring and stricter GLBA/FCRA oversight. I opt out of credit reporting until robust remedies are implemented. I urge the CFPB to investigate and enforce these measures as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief