vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Caribou Financial, Inc.
State: WA

Complaint narrative:
XXXX XXXX Case # XXXX To Whom It May Concern, I am submitting this complaint regarding deceptive advertising and potentially predatory lending practices facilitated through XXXX XXXX and its partner, Caribou. 

I used XXXX XXXX refinance tool, which displayed a 4.96 % APR offer through XXXX. I applied for this rate with an XXXX credit score ( verified by both bureaus ), high income, and a low loan-to-value ratioall metrics that matched the qualification criteria listed. 

After applying, I was told the rate was no longer available and was instead offered a 5.7 % APR. Only after I pushed back did the lender find the 4.96 % again, which they later revised to 4.99 %, claiming that was now the only available rate. My financial profile never changedonly their willingness to honor the original offer. This is a textbook bait-and-switch practice. 

I now have two hard credit inquiries, one of which was entirely unnecessary and caused by their refusal to honor the initial rate. I was forced to reapply with a different lender to access a similar rate, resulting in credit damage to both me and my wife. 

To make matters worse, I was later told I wasnt eligible for the 4.96 % rate because it was not available in my state ( Washington ). This is unacceptable. My state of residence was known to XXXX XXXX and Caribou from the outset. Geographic eligibility should have been factored into the rate just like income or credit score. Displaying an ineligible rate as a prequalified offer is misleading at best, deceptive at worst. 

I reached out directly to XXXX XXXX to resolve this, and was met with a generic boilerplate response that failed to address the actual issue or take any responsibility. 

I respectfully request that the CFPB investigate this matter and take appropriate action. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
On XX/XX/2023, I made the full payment for my credit car ( XXXX ) XXXX XXXX  XXXX XXXX XXXX card after speaking with a representative who assured me that the late payment would not be reported if I paid in full. The delay was only one day ( from XX/XX/XXXX to XX/XX/XXXX ) due to a communication error. I trusted the verbal agreement and did not immediately review my credit. Later, I discovered that the late payment had been reported, which has negatively impacted my credit score and my ability to expand my business.

XXXX has already removed the late payment after reviewing the documentation, but XXXX  and TransUnion have not yet taken action. The creditor

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I want to dispute the errors that appear in my XXXX report that are already paid in full .. and i have my personal checking bank account but i want to open a business checking account and the bank is denying me the account due to those issues that appear in the XXXX  report and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information contained in my credit file as maintained by your bureau. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., I hereby request that your agency conduct a reinvestigation of the information on my credit report and delete any accounts or items that can not be verified as accurate and complete. 

The FCRA mandates that upon receipt of a consumer dispute, the credit reporting agency must, within a reasonable period not to exceed 30 days, conduct a thorough reinvestigation of the disputed information. If the source of the information can not provide sufficient evidence to verify its accuracy, that information must be deleted from the consumers file. This obligation is clearly outlined under 15 U.S.C. 1681i ( a ) ( 5 ). 

I am requesting that you initiate a full reinvestigation of all information in my credit report that may be outdated, inaccurate, incomplete, or unverifiable. Please provide me with a written confirmation of your findings and actions taken as a result of this dispute. If any item can not be verified in accordance with federal law, it must be deleted from my credit report. 

Under the FCRA, you are also required to notify me of the results of your investigation within 30 days of receiving this dispute. If your reinvestigation results in any changes to my credit file, I also request that you provide me with an updated copy of my credit report reflecting those changes. 

Please consider this a formal dispute and request for reinvestigation under the FCRA. I expect your full compliance with federal law, including timely completion of the reinvestigation and deletion of any unverifiable information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2025, XXXX XXXX, CEO of XXXX XXXX XXXX XXXX, ( XXXX ) he was in my home around XXXXXXXX XXXX. He came to present and explain the water filtration system he works with. He gave both me and my girlfriend a full presentation, about the water softener he told us to run the credit to see if we are approved or not.

However, less than 30 minutes after he left, we called to say we had changed our minds and no longer wanted the product, because is to expensive the amount was {$11000.00}. He tried to convince us otherwise, but eventually agreed to cancel the transaction. Unfortunately, he never followed through with that cancellation.

A few days later, he returned to our home, claiming that his account with XXXX and his personal accounts had been frozen due to the dispute. He attempted to reach an agreement, but we clearly stated again that we did not want the product and asked him to cancel everything something he should have already done.

It has now been six months, and the cancellation was never processed. We never received the product, and now Synchrony, the financing company, is attempting to charge us for the loan. We tried to contact XXXX multiple times. I even visited his listed office address, which turned out to be fake. He has since blocked our calls.

I also contacted XXXX ' main office in California, and they confirmed that he never canceled the order with them, despite telling us that he had.

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 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: CA

Complaint narrative:
Possible Finance is reporting three separate closed accounts, all with low original balances ( {$29.00} {$75.00} ), but they are showing conflicting statuses across credit bureaus. Some show " charged off, '' " paid profit and loss, '' or " paid/closed '' with written-off amounts, while others show clean payment history. One account is listed multiple times with different dates. This is highly confusing and misleading. I fully paid off each loan and have confirmation emails showing completion and closure. These small-dollar loans were not delinquent to the degree reflected, and the reporting does not match what was communicated to me at the time of payoff.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

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 2025-07-22 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: GA

Complaint narrative:
b'Someone applied for credit using my information I didnt authorize please remove'

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 2025-07-22 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: MO

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by 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 2025-07-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have not been able to find anywhere that this AMEX prepaid gift card works. Over the last couple days i have attempted to use it to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-07-22 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my 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 non-monetary relief
Consumer complaint received 2025-07-22 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I had an HVAC system installed through XXXX XXXX At the time of agreement, I was not clearly informed that a UCC lien would be placed on my property as part of the financing terms. I did not receive transparent documentation disclosing the lien, and I only became aware of it several months later. 

The financing agreement includes a ballooning payment structure after 10 years, but there is no clear documentation about who owns the system at that point or whether I will need to pay an additional lump sum to retain it. There is also no language in the agreement about recourse or refund if the system fails prematurely, leaving me financially responsible regardless of product performance or lifespan. 

On XX/XX/year>, I submitted a formal letter to XXXX XXXX  via email and their online contact form requesting : Immediate removal of the UCC lien Clarification on ownership and end-of-term payoff details An explanation of warranty or support options if the system fails before the term ends As of today, I have received no response or acknowledgment from the company. 

I believe this financing structure was not fully disclosed and may be predatory in nature. The lien could interfere with my ability to sell or refinance my home, and I am seeking its removal, along with proper documentation and a transparent explanation of all associated terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
I have recently pulled my credit report and noticed that there is collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-07-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 

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 - Balance {$900.00} Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

A signed affidavit of identity theft ( if required ).

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will be handled promptly and in compliance with federal law.

Thank you for your immediate attention to this urgent matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief