vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I have a loan with Exeter Finance. The car was repossessed on XX/XX/XXXX. I could not make payments on the loan after XX/XX/XXXX because I had to stop working due to a personal/health problem. I have not made any payment since. I am in the process of gaining employment again and checked the website to see about payment in the near future. As I checked the loan information recently, I noticed that the title of the loan does not concur with the loan agreement. 

I had re-financed the loan for a XXXX XXXX XXXX. The title indicates that the automobile is for a XXXX XXXX. 

Is there legal recourse I can take because the loan agreement and the title do not match? 

I would like some assistance. 

The outstanding balance is for more than {$10000.00} and the current amount due is for more than {$4000.00}. I don't want to make payment with potentially fraudulent activity or misrepresentation on Exeter Finance 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am a victim of identity theft but nver mde the complaint. I would like the charges to b dismisd so that I can get my credit report in proper condition. I have already reported the identity theft to the Federal Trade Commission and I am enclosing copies of the Federal Trade Commission 's Identity Theft Affidavit.

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 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX-In XX/XX/XXXX, I discovered a fraudulent auto loan account being reported on my credit file with a balance of over {$30000.00}. The original creditor is listed as XXXX XXXX, and the debt is now being reported by XXXX XXXX XXXX as the collection agency. 

I never applied for, authorized, or had any financial relationship with either company. I believe this account is the result of identity theft or a reporting error. Upon noticing the account, I filed a dispute and requested full validation of the debt, including a signed loan agreement or any documents showing that I opened the account. 

To date, neither company has provided documentation that verifies the debt belongs to me. Despite this, the account remains on my credit report, which has caused significant damage to my credit and financial hardship. 

I am requesting that the CFPB ensure a thorough investigation is conducted. If the companies can not provide full and verifiable proof of the debt, the account should be permanently removed from all credit reporting systems in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Since XXXX  I havent been able to file taxes, and my credit report has been bad. I believe I have been a victim of 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 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the debt reported by Credence Resource Management in the amount of {$2100.00}, listed under my name and credit file. I do not recognize this debt, was never contacted by the company prior to the credit reporting, and after calling them directly, I was told it was related to a phone line account I never opened. This is a fraudulent account, and I demand its immediate removal from all credit reporting systems.

I have been the victim of identity theft for over two years. I have submitted official reports to the following : Federal Bureau of Investigation ( FBI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time I was living in LA Consumer Financial Protection Bureau ( CFPB ) Credit bureaus ( disputes and fraud alerts ) Additionally, I have been under psychiatric care due to the ongoing stress and damage this situation has caused me. I am currently being treated by XXXX XXXX XXXXXXXX XXXX, who has diagnosed me with clinical XXXX and XXXX  XXXX  directly related to this identity theft and financial harassment. This ongoing situation has severely impacted my mental health and financial standing, and the presence of this debt which I do not owe is worsening my condition. 

I request : Immediate removal of this collection account from my credit report Written confirmation that this debt will not be pursued further An investigation into how this debt was assigned to me without my authorization or knowledge Enclosed/Attached, I can provide : My previous identity theft reports A letter from my XXXX  if needed My CFPB complaint confirmation number A copy of my credit report showing the disputed account This is not my debt. I was never contacted. I did not open this account. I have done my due diligence reporting this to all appropriate authorities and demand this be removed and cleared. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MA

Complaint narrative:
I am filing this complaint regarding a collection account reported on my credit report by XXXXXXXX XXXX XXXXXXXX ( on TransUnion  ) and XXXX XXXX ( on Experian ). The account is reported with inaccurate, inconsistent, and misleading information, violating the Fair Credit Reporting Act ( FCRA ). 

Key issues include : Different creditor names : TransUnion lists XXXXXXXX XXXX XXXX, while Experian lists Alight XXXX with no mention of XXXX. This inconsistency creates confusion and prevents proper validation. 

Incorrect account status : TransUnion reports this collection as an Open account, which is inaccurate. This is a third-party collection account and should be reported as closed or transferred. Reporting it as " open '' can incorrectly inflate my utilization ratio and mislead lenders. 

Wrong Terms value : Experian lists the terms as 1 Month, which is factually incorrect. I have not signed or agreed to any repayment plan with the collection agency, and this reporting is misleading and unsupported by any agreement. 

Date inconsistency : Experian shows a status update from XX/XX/XXXX, but shows a balance updated as recently as XX/XX/XXXX. This reflects either a failure to update the account properly or a reporting error. 

Missing dispute notation : TransUnion correctly shows a dispute remark under FCRA ; Experian fails to reflect this, which violates my rights under the FCRA.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the {$180.00} debt currently being reported by IC System under my credit profile. I was never notified about this account, have no knowledge of the debt, and after contacting IC System, I confirmed that this relates to an account I did not open or authorize. This is yet another fraudulent entry on my credit report, and I demand its immediate removal. 

I am a victim of ongoing identity theft that has now spanned over two years. This is not an isolated incident. I have filed : An FBI report An XXXX police report Complaints with the Consumer Financial Protection Bureau And other government agencies related to the theft and misuse of my identity What makes this even more damaging is that I have been under psychiatric treatment due to the extreme distress caused by these fraudulent accounts. I am being treated by XXXX XXXX XXXXXXXX XXXX a licensed XXXX, who has diagnosed me with clinical XXXX and XXXX  disorder both directly tied to the stress, fear, and confusion this situation has caused. 

These fraudulent debts appearing on my credit report are not only affecting my ability to access basic financial services but are also exacerbating my mental health condition. Every new alert or collection account tied to someone elses actions feels like a violation of my identity, and I am left fighting for my financial and emotional stability. 

I respectfully demand : Immediate deletion of this {$180.00} debt from my credit file A written statement confirming that I do not owe this debt and that no further collection will be pursued A full investigation into how this debt was associated with my name without my consent or authorization Attached, I am providing any documentation available, and I am willing to submit letters from my psychiatrist and proof of ongoing reports and disputes if required. 

This debt is not mine, and I should not have to continue suffering because of someone elses fraudulent actions. I have done my due diligence and demand that you do the same in clearing my record. 

Sincerely, XXXX XXXX XXXXXXXX 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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed an order on XXXX ( XXXX XXXX : XXXX ). Subsequently, the seller voluntarily refunded the full amount without requiring the return of the product. The refund was processed through PayPal on XX/XX/XXXX, for {$120.00}, less a transaction fee of {$5.00}, resulting in a net credit of {$110.00} to my account. 
Transaction ID : XXXX During this entire period, my account was blocked, and I had no access to the funds. No explanations were provided to me, although I repeatedly contacted PayPal customer support requesting information. I waited 180 days, as promised, after which the account was supposed to be unfrozen and the funds returned. However, on XX/XX/XXXX, PayPal confiscated the amount of {$110.00} from my account under the note PayPal loss recovery without any prior notice or explanation. 
Confiscation Transaction ID : XXXX Following my last inquiry, in which I warned them of my intention to contact regulatory authorities and demanded legal justification for the withholding of funds, my account was reinstated, but the withheld funds were not returned. 

I am attaching screenshots verifying the refund transactions credited to my PayPal account by the seller, as well as a screenshot from the XXXX website clearly showing the order number associated with the refund. 

PayPals actions are unjustified and unlawful. I request immediate intervention to facilitate the return of {$110.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. XXXXi, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 

XXXX. XXXX XXXX - Unverified 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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a promotional email from Chime stride bank. The email stated that I had a current spot me limit of {$40.00}. The email stated I would lose that spot me limit if I didn't make a qualifying direct deposit of at least {$200.00} by XX/XX/year>. When I log into my chime account and check my spot me limit it says I only have a {$5.00} limit. So I called customer service and asked them to explain why my spot me limit had already been reduced to {$5.00} from XXXX XXXX They were unable to give me a valid explanation and told me there was nothing they would do for me and I could not escalate the issue with somebody above the current supervisor on board they were rude and extremely offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to formally dispute the accuracy of the XXXX XXXX XXXX  account ( # XXXX ) appearing on my credit report dated XX/XX/XXXX. Upon review, I noticed multiple serious inaccuracies that render this account unverifiable under the Fair Credit Reporting Act ( FCRA ), including but not limited to : The Date of First Delinquency is inaccurately listed as XX/XX/XXXX, which contradicts the last payment date of XX/XX/XXXX. An account can not be delinquent before the last reported payment. 

The payment history contains inconsistent and conflicting delinquency reporting across multiple months without a clear delinquency start or charge-off balance. 

The account includes vague references such as Voluntary Surrender, Repossession, and Charge Off without any supporting data such as a charge-off amount or date. 

The account is marked with Narrative Code XXXX ( Consumer Disputes Reinvestigation in Process ), yet I have not received a resolution nor proper reinvestigation results per my rights under FCRA 611. 

Because the reported data is inconsistent, unverifiable, and potentially re-aged, I request that this account be immediately deleted from my credit file. If the furnisher is unable to provide verifiable proof within XXXX XXXX, you are required by law to remove this item under FCRA 611 and 609.

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 2025-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/year>, I notice {$9900.00} was withdrawn from my personal checking account at USAA Federal Saving Bank. I called the bank and disputed the transaction ; I was given provisional credit while the transaction was being investigate. The bank reversed the credit saying no error was done. I called back to the bank and requested a second look at the transaction and the bank started another dispute for the same transaction. I explained I did not authorize this transaction ; I have not given anyone my personal banking information. I also reported suspicious text and phone calls from someone saying they are from the bank to the bank as they came in, I made multiple calls to the bank and spoke with different banking specialist. I was eventually informed by the bank that the transaction was a XXXX XXXX someone logged int my account ant set up a XXXX XXXX to withdraw my money to a XXXX XXXX XXXX XXXX  not belonging to me. USAA provided with the full credit card number. I was advised to contact XXXXXXXX XXXX XXXX XXXX  which I did. XXXX Credit Card provide with the card holder 's name, told me that {$9900.00} was received and withdrawn from the card and the card was then closed. I was instructed to submit a complaint with a local XXXX XXXX  branch, which I did. The banker submitted the complained on my behalf but two days later I was told by phone there was nothing they can do, and I have to purse this with my bank. I reported the theft to my local police depart and pursing a remedy through law enforcement

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 monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE DISPUTED THE BANKRUPTCY AND ASK THAT IT BE REMOVED OFF MY CREDIT REPORT BECAUSE THE INFORMATION IS INACCURATE. COURTS DO NOT REPORT BANKRUPTCY TO CREDIT BUREAUS AND IT VIOLATES MY CONSUMER PRIVACY RIGHTS. UNDER THE LAW CODE 15 US CODE 1681 a ( 4 ). And the credit bureaus lied on the XXXX XXXX courts as the data Furnisher when the courts do not report to the credit bureaus or verify information with XXXX, Experian, or TRANS UNION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
An American Express card was taken out in the name not by my knowledge. I never applied for a American Express Card. I have been a victim of fraud before, and my information was use without my knowledge. I never been behind on my current credit cards nor my credit. My scores been excellent XXXX and above until this card was placed on my account. This card was open in XXXX stated on my report and never showed up until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc.
State: VA

Complaint narrative:
Midwest Loan Services mailed me a letter demanding the master insurance policy for my condominium and provided the website midwestloanservices.imcovered.com as an option to submit the proof of the master policy. I uploaded this master policy to that portal, and instead received an email from XXXX demanding I call them because they could not verify my coverage. 

I am attaching both the master policy and the email they sent because I feel like they are essentially just trying to put their own master policy on this property for their own self serving interests because people will probably miss their letters or neglect to call them. 

All of the expiration dates are in XXXX for this master policy. They already pay our condo policy out of escrow so I am not sure what they are even trying to do.

Company response to consumer: Closed with explanation