vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: MO

Complaint narrative:
I took my old XXXX XXXX XXXX to check on the driver 's side power window and AC that were not working. 
The vendor, XXXX XXXX XXXX, did some unauthorized testing and wanted to charge about {$500.00} XXXX told them I don't have that money, so they connected me with KOALAFI which approved me for the " rent to own '' deal, that is how they call it, with fees and taxes came up to {$720.00}. 
The next day XXXX XXXX called me to tell me the window needed more parts and work and the bill went up to {$850.00}, so that is when I felt betrayed and scammed. 
I told them I am not paying that ; the car is worth around {$300.00}. I called KOALAFI to cancel and they refused to do so. 
I just want the lease contract cancelled because I am not getting into this scammed done by XXXX XXXX and KOALAFI

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: NV

Complaint narrative:
This is a fraudulent item reporting on ONLY my experian credit report. They have had this fraudulent information on my credit report for years and it's time this thing gets blocked and removed as soon as possible. I did not authorize anyone to file anything in my name at all. This was not to my own doing and i need assistance with getting this off of my credit report as it is affecting my livelihood.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
WHEN I BOUGHT THE XXXX XXXX XXXX XXXX XXXX XX/XX/year>, CAR HAD 3 RECLL AND THAT MADE THE ENGINE TO STOP WORKING.

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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I originally filed a complaint ( ID : XXXX ) against Portfolio Recovery for inaccurate and inconsistent reporting on two accounts. They responded stating they would investigate and mark the accounts as disputed with the credit bureaus. However, no changes have been made on my credit reports, and the accounts are not marked as disputed. One account was deleted from XXXX  due to similar inconsistencies, yet the other remains. They also stated they are not required to provide validation due to a prior bureau dispute, which does not exempt them under the FDCPA. They failed to provide full documentation or explain their reinvestigation process, as required by 15 U.S.C. 1681i. I believe they have not complied with their FCRA or FDCPA obligations. Im requesting a full reinvestigation, accurate dispute markings, and deletion of the tradelines if they can not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, we filed a claim with XXXX XXXX after engine failure in our leased XXXX XXXX XXXX. The vehicle had only 7,000 miles and is under warranty. XXXX dealership confirmed the engine needed to be replaced. However, XXXX XXXX refused to authorize an XXXX replacement, offering only a salvaged engine instead despite being made aware that doing so would violate our lease agreement and put us at risk of owing $ XXXX at lease end due to loss of vehicle value and contract terms. 

We requested an engine tear-down to further validate the damage, but XXXX XXXX denied that request as well. Throughout the process, the assigned claim representative miscommunicated critical details, failed to return multiple calls and emails, and was ultimately removed from the case due to our formal complaint. No meaningful support has been provided by the agent. 

Despite escalations to XXXX XXXX internal complaint team, the XXXX XXXX XXXX XXXX ( XXXX ), and the XXXX XXXX XXXX XXXX XXXX XXXX, no resolution has been provided. XXXX XXXX has failed to offer a compliant repair or payout option that aligns with our lease obligations, leaving us financially exposed and without a working vehicle. 

This is not only a failure of claim handling and customer support, but it may also violate Texas Insurance Code 541 and 542, as well as the Deceptive Trade Practices Act ( DTPA ). We are now paying insurance premiums and lease payments for a car we can not use while XXXX XXXX continues to delay and deny without a justifiable solution.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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: 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: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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: 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was in the process of purchasing a house and a car when I discovered inaccurate negative information ( damages ) reported on my credit report. I believe these items are incorrect and violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). According to this law, consumer reporting agencies must ensure maximum possible accuracy and can not report information that misrepresents my character or creditworthiness. 

I have not authorized nor do I acknowledge the validity of these negative entries. I request that these damages be fully investigated and removed from my credit report if they can not be verified according to the requirements of the law.

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: FL

Complaint narrative:
I was in the process of purchasing a house and a car when I discovered inaccurate negative information ( damages ) reported on my credit report. I believe these items are incorrect and violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). According to this law, consumer reporting agencies must ensure maximum possible accuracy and can not report information that misrepresents my character or creditworthiness. 

I have not authorized nor do I acknowledge the validity of these negative entries. I request that these damages be fully investigated and removed from my credit report if they can not be verified according to the requirements of the law.

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: 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: TX

Complaint narrative:
Using law 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) The following Companies that's listed on my Equifax credit report as ( Charge-Off ) has to provide the original contract with my original wet signature stating that I have done any business with them. The following Companies have provided in accurate information on my credit report and I request the validation of the ( Charge-Offs ) that's listed below from the following Companies on my Equifax credit report. Also the following Companies are listed as being ( open and closed ) which is an in accuracy on my report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: 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: CA

Complaint narrative:
Recently I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: 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: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had a Citi XXXX XXXX XXXX ending in XXXX. On XX/XX/year>, I made a {$2000.00} purchase. The Double Cash rewards program clearly states 1 % cash back is earned when the charge posts, and the second 1 % is earned after its paid. I converted the card to a Citi XXXX XXXX after this transaction posted, and I was explicitly told by a Citi representative over the phone that all unposted Double Cash rewards would carry over to the new card and that this transaction would earn the full 2 %. 

I received the first 1 % ( {$20.00} ) after the card converted but never received the second 1 %, even after paying the full balance. When I called back, multiple reps gave conflicting answers, and a supervisor ( who was impossible to understand due to loud background noise ) claimed I would not receive the second 1 % and that the original rep had misinformed me. I was also told Citi couldnt even confirm the date of card conversion on their end, meaning Im somehow held to a policy they cant verify or document. 

XXXX public rewards terms, the phone reps verbal confirmation, and the sequence of events all support that I should receive the full 2 %. It is deceptive and unethical to promise these rewards and then deny them after conversion, with no transparency or accountability. I want the second 1 % ( {$20.00} ) I was promised and for Citi to honor the terms they advertise and confirm over the phone.

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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bank with Wellsfargo and sombody had hacked my bank account and sent XXXX XXXX dollars through XXXX. One transaction was for XXXX XXXX dollars and another transaction was for XXXX XXXX dollars I did not authorize these transactions i contacted my bank.They said they would do an investigation under fraud and and closed and opened new accounts for me.And then a week later, I was told that the case was closed and that I or somebody else had authorized the transactions.And there was nothing they could do.I 'd informed them i did not authorize the transactions

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I booked a hotel stay through Capital One XXXX for XXXXXXXX XXXX XXXX paying {$3000.00}. At the time of booking, I found the exact same room ( same dates, occupancy, and terms ) listed on XXXX  official website for {$1800.00}. I called Capital One XXXX to request a price match per their advertised Price Match Guarantee. The phone agent confirmed that the booking details matched, took a screenshot of the lower price, and informed me that the request would be escalated for approval. 

Later, I received a denial email stating the request does not meet all criteria. After calling again for clarification, I was told the denial was because XXXX cancellation policy requires cancellations at least XXXX  days before check-in, while Capital Ones policy allows cancellations up to XXXX  days before. 

It appears that Capital One is misusing fine print or vague policy terms as a loophole to deny valid price match claims. This is misleading advertising and an unfair business practice, especially since the agent verbally confirmed the match. 

I am requesting a full investigation and accountability for Capital One XXXX use of deceptive marketing and denial of a clearly valid price match claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: WV

Complaint narrative:
XX/XX/year> -Used my cashapp to pay taxes -used wrong card, went to dispute it -cashapp denied with no explanation XXXX decided to close cashapp after interactions with customer service XX/XX/year> XXXX call us treasury to cancel auto payment on another card if it has been paid with cashapp XX/XX/year> -i receive a letter in the mail about the payment being bad and that i still owe {$340.00} -called cashapp support about the now missing {$340.00} that they can't do anything about because we are required to have a cashapp account to even talk to them. new account has all of my old information so they can not access my old account/verify the amount i paid to treasury.

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint because third-party credit monitoring services such as [ list services, e.g., XXXX XXXX XXXX XXXX, XXXX XXXX are reporting collection accounts on my credit profile that are not present on my official Equifax credit report. 
I have obtained my official credit report directly from Equifax, and it shows no collection accounts. However, these third-party services continue to display collections that are outdated, inaccurate, or not even listed by Equifax. 
This misinformation is misleading, causes confusion, and could negatively affect decisions made by lenders, landlords, or employers who rely on these services. I have reached out to the third-party companies, but the inaccurate reporting continues.

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: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I attempted to receive the original document or a copy of the original document from XXXX XXXX XXXX as well as American Credit Acceptance , LLC but to no avail was given a run around about it not being provided because " its a legal document '' and they'd have to reach out to their legal reps etc.

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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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