vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
This account has not been properly verified or validated. Please update the payment status to paid as agreed, never late. 
Legal Definition of a Credit Card and Applicability of 15 USC 1666b : According to the Truth in Lending Act ( 15 U.S. Code 1602 ( k ) ), a " credit card '' includes any card, plate, or other credit device used to obtain money, property, labor, or services on credit. My Social Security card qualifies as a " credit device '' under this definition and was used to open the accounts associated with the disputed late payments. As such, 15 USC 1666b applies, which prohibits creditors from treating payments as late if they were not properly processed. The late payments reported on my credit file were inaccurately processed, and these entries should be removed immediately. XXXX XXXX XXXX Bank XXXX Massachusetts : In XXXX XXXX XXXX Bank XXXX Massachusetts, the court ruled that providing mere account statements is not sufficient proof of a late payment. To validate such claims, creditors must provide the following : XXXX of XXXX XXXX. XXXX XXXX XXXX XXXX : Logs showing when my payments were processed and any errors or delays that may have occurred. 
XXXX. Proof of Proper Billing Practices : Documentation demonstrating that my payments were processed according to the agreed-upon terms. 
XXXX. Evidence of XXXX : Any correspondence between the creditor and myself regarding the alleged late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
XXXX XXXX the day the loan was closed. Its still showing up on my credit report past due. The car loan is paid in full in XXXX of XXXX The name of the company is CREDIT ACCEPTANCE CO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Company Never Sent any letter to Me, just add Collection Account to My XXXX  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 2025-11-11 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: NC

Complaint narrative:
Several accounts on my profile are Fraudulent. These accounts were opened up by an unknown person or persons by means of stealing my credit information. Attached to this complaint is the list of accounts in question in the form of an official POLICE REPORT. Also since I cant get any real results from these credit Bureau companies, I have contacted a Lawyer that will represent me in the event that I can not get this solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I lost my job and didn't work for XXXX months. I called every month and told them what I could pay while not working and they cut my payment in half. At XXXX point they said they couldn't do that anymore and gave me the run around until I found a person to modify the loan for 3 months at the rate I could pay and they assured me once that was over they had other options to modify the loan again. I called on XX/XX/XXXX to make sure when the last payment arrangement was and how could I get into the other modifications promised and the person gave me INCORRECT information saying my last payment was XX/XX/XXXX which I responded that I didn't think that was correct but they assured me it was. So I called today XX/XX/year> and sure enough my last modification payment was in XXXX and now I show the higher payment due which I was trying to avoid. Apart from them not accepting responsibility for the lie told to me by their employee they did no research to bring up the call to verify what I was saying and also said they can't offer modification without being behind on payments. They're basically telling me not to pay and call back in XXXX months for a modication???? The man XXXX XXXX was unprofessional and had no idea what he was doing. I was lied to and now left with no options as I had planned to have at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
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. 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  ( Original Creditor : 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  # XXXXXXXX XXXX XXXX # XXXX, XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 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 XXXX 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I recently pulled my credit report found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process in starting my business I can not get access to loans because of these inaccuracies on my report. Please review all of my documents and remove the accounts that are listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I started to transfer out sofi account from webull XX/XX/year>. It was XXXX XXXX stocks and value around XXXX dollars. 
Sofi didnt allow to transfer out. I contacted them and they said there is a restriction and I asked which restriction but they said they dont know neither. 
They said wait another 5 business that they figure out.

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

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX - XXXX

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

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 non-monetary relief
Consumer complaint received 2025-11-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: VI

Complaint narrative:
Dear Sir/Madam I am disputing the following inquiries on my Equifax credit report : XXXX XX/XX/year> XXXX XX/XX/year>

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

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
What happened : In late XX/XX/year>, Rocket Mortgage provided me with a disclosure titled Heres How Your Numbers Work showing a {$7000.00} lender credit and approximately {$40.00} cash needed to close. I was told verbally that XXXX would cover all closing costs and that I would not need to bring any money to closing. 

However, the final Closing Disclosure dated XX/XX/year>, removed the {$7000.00} lender credit entirely and listed {$0.00} in lender credits, {$4400.00} in closing costs financed into the loan, and {$5200.00} cash to close from me. When I questioned the discrepancy before signing, I was told I was reading it wrong and that the credit was still being applied. 

After closing, I confirmed that no lender credit was actually applied. I effectively paid about {$9600.00} in costs that were supposed to be covered by the {$7000.00} credit. Rocket never provided any written explanation or Change of Circumstance notice explaining why the lender credit was removed.

I am requesting an explanation, correction of the Closing Disclosure, and reimbursement of the missing {$7000.00} lender credit or equivalent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX, it was XXXX in XX/XX/XXXX. However, I kept a secured creditor ( a lease for a vehicle with Stellantis Financial ) out of the bankruptcy and filled out paperwork to assume/continue payments as scheduled. I never missed or was late on any payment since the lease inception, including and up to today. However, on my credit report, it was reported to all 3 bureaus that this account was XXXX as part of the bankruptcy and it is hurting my credit score and preventing me from obtaining a loan now and will do so in the future as well. The credit reports show the account was paid off/discharged and it is not showing any of the payments I am making to Stellantis Financial- there is no payment history. This account is listed as derogatory and negative and is a big part of my credit score. I have contacted Stellantis Financial for XXXX to get this corrected. When I call, they automatically refer me to the 3rd party bankruptcy dept and that dept says they have NO information on me or the account whatsoever. When I call the credit dispute dept at Stellantis, they tell me to file a dispute with them via email and they will get back with me in 30 days. They never have! I need this corrected with all the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
J.J. Marshall Associates RE : Cease and Desist / Debt Validation Request Account Number : Amount : {$280.00} Original Creditor : XXXX XXXX XXXX Dear J.J. Marshall Associates, This letter is a formal request that you cease and desist all communication with me regarding the above-referenced alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Additionally, under 15 U.S.C. 1692g ( b ), I am requesting full validation of this alleged debt. To comply, please provide the following : 1. The original signed agreement or contract bearing my signature, proving I am legally obligated to pay.

2. A full itemized accounting of how the amount of {$280.00} was calculated.

3. Verification that you are licensed to collect in my state.

4. Documentation showing that J.J. Marshall Associates has the legal right to collect on this account from XXXX XXXX XXXX. 

Until proper validation is provided, you are not authorized to continue reporting this account to any credit bureau under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or unverifiable information.

If you can not validate this debt, you must immediately delete this collection account from all credit reporting agencies ( XXXX XXXX and XXXX XXXX. 

Please note, any further attempts to contact me outside of written correspondence, or any continued reporting of this unverifiable debt, will be documented as willful noncompliance and reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX, Indiana Case No. XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ) Company : Credit Acceptance Corporation XXXX Happened In XXXX and XXXX, I lost my employment due to the XXXX pandemic. I contacted Credit Acceptance Corporation ( CAC ) to request any hardship or forbearance program available to help consumers during this time. I was told there were no options for assistance, even though another lender on a different vehicle granted me a forbearance period. 

Because XXXX XXXX denied assistance, I fell XXXX to XXXX months behind on my loan. They repossessed my truck and later sold it at auction. Based on my records, the resale value covered the principal balance of the loan ; the only remaining amount is interest and collection costs. Despite that, CAC sued me for a deficiency of approximately {$11000.00}. 

The vehicle also had major electrical issues shortly after purchase wiring problems in the center console, seats, and radio that caused repeated breakdowns. I was denied any repair support under as-is terms. 

A judgment was entered against me in XXXX XXXX XXXX, and CAC began garnishing my wages. I am a single mother of XXXX children, both with XXXX, including my XXXX son who is autistic. I also have a XXXX myself and am a full-time caretaker with no current income or employment. Because of my familys XXXX, I am not able to maintain a job or have garnishable wages. XXXX continues to pursue garnishment actions and is now attempting to seize my tax refunds. 

Their actions are causing severe hardship and violate consumer protection standards. 



Why This Is Unfair or Illegal CAC refused reasonable hardship relief during XXXX when most lenders offered forbearance options, which XXXX violate 12 U.S.C. 5531 ( Unfair, Deceptive, or Abusive Acts or Practices ). 
The deficiency balance appears inflated and inconsistent with XXXX Code 26-1-9.1-610, requiring vehicle sales to be commercially reasonable.

Continued collection and garnishment despite my proven inability to pay violate 15 U.S.C. 1692f ( unfair collection practices ). 
Garnishing wages or attempting tax XXXX from a judgment-proof, low-income caregiver breaches Indiana Code 24-4.5-5-105 ( XXXX protection for low-income parents ). 
The companys failure to acknowledge my hardship or adjust the debt is consistent with allegations in Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX ( XXXX. XXXX, XXXX ), where CAC was accused of abusive and deceptive lending and collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I recently pulled my credit report found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process in starting my business I can not get access to loans because of these inaccuracies on my report. Please review all of my documents and remove the accounts that are listed.

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