vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, I encountered deceptive practices from XXXX XXXX XXXX concerning a XXXX XXXX XXXX XXXX with XXXX miles. Their online advertisement listed the car for " {$9900.00} after XXXX credit, '' a price contingent on my eligibility for a credit, which I now understand is a deceptive advertising practice. Additionally, the ad stated the car " Runs and Drives Excellent! '' despite undisclosed issues including an open safety recall, a missing charge-port door, and active TPMS and brake diagnostic codes. 

The most egregious issue was a financing " bait-and-switch. '' I was initially quoted oral terms of {$2000.00} down and {$280.00} per month. However, after I refused a {$2700.00} warranty, the dealer abruptly demanded a {$6000.00} down payment, blaming a " credit company, '' and then refused to show me any alternative financing options. To make matters worse, a hard credit inquiry was performed during this process, and since I have no established XXXX XXXX, this inquiry is particularly damaging to my ability to build credit in the future. When I attempted to contact Credit Acceptance directly to dispute this, they informed me they would not take my call seriously without an account, which I do not have as I never signed any financing documents with them.

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 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a 120-day late payment on my student loan account serviced by XXXX of XXXX XXXX According to the federal deferment policies implemented during the XXXX pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a XXXX delinquency was reported to the credit bureaus. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, I respectfully request that XXXX immediately remove the inaccurate XXXX late payment notation from my credit reports with all credit reporting agencies. I have been living outside the XXXX in XXXX for my employment since 2019. I just became aware of the situation when I applied for a loan and this late showed up on the report. I immediately paid this to current. Due to I have been living in XXXX for my current employment since 2019, and being outside of the country I am requesting the 120 day late reporting to be updated to show current with the bureaus. I have uploaded documentation which shows and proves I have been living in XXXX and working there as stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-05-28 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: VW Credit
State: TX

Complaint narrative:
I have tried to get these items cleared from my credit report because I did not give my permission or authorize these companies to run my credit. I have contacted XXXX XXXX XXXX XXXX  by mail and phone. I have not had any luck with getting these thing removed immediately from my credit report. They have not been able to provide me with any kind proof with my sign on it because I did not apply through these companies for credit at these times. Please remove all these hard inquires immediately they are causing me issues with my credit because of the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Said I owed money to a membership and stated if I dont pay they will damage my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
Upon reviewing of my credit report, I see different and conflicting information about my credit inquiries. I am aware that incorrect information is illegal on a credit report and should be changed expeditiously please.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened up a huntington perks checking account on XX/XX/year> in hopes of recieving a XXXX dollar bonus. The terms are are as follows : Earn {$400.00} when you open a new XXXX XXXX  account and set up and receive total qualifying direct deposits of {$500.00} or more within 90 days of account opening and keep account open for 90 days However, when I called the bank to ask when the bonus would be applied to my account, after informing them and confirming with them that I have met the requirements as listed above, I was told I needed to enter a promo code that was in an email I never recieved. I feel this should be considered false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you m
ust have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank states electronic payment was posted on one date, receiving company states funds posted on a different date causing a late payment and associated late fee. bank posted on XXXX mortage company states payment posted on XXXX and assigned a {$34.00} late fee. ponecon with mortgage XXXX  and bank teller on XXXX  bank states electronic payment is mailed.

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 2025-05-28 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: TX

Complaint narrative:
Upon reviewing my Equifax credit report, I identified multiple hard inquiries that I did not authorize and that I believe were made without a permissible purpose. The inquiries in question are from 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 I did not apply for credit with any of these institutions on or near the listed dates, and I never granted them permission to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604, Equifax is only allowed to furnish my consumer report to third parties that have a legitimate and authorized purpose. These inquiries were not initiated by me, and no documentation or application exists to justify them. Their presence on my report is damaging, may impact my credit score, and creates unnecessary risk to my financial reputation. I have not received any response or verification from the companies involved. Because these entries are unauthorized, I believe my rights as a consumer under federal law have been violated, and I am submitting this formal dispute to Equifax to ensure these inquiries are investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I previously submitted a dispute regarding the account in question ; however, there are still inaccuracies and incomplete information appearing on my credit report. I formally request the description of the procedures used to investigate this account. You are required to provide this information within 15 days of receiving this notice. If you are unable to verify the accuracy of the information or do not respond within the required time frame, the disputed accounts must be removed from my credit report. Attached is a copy of my written request for the description of procedures. I look forward to your timely response.

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 2025-05-28 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-28 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:
I am filing this complaint due to multiple inaccurate and damaging items reported on my credit file by various furnishers and credit reporting agencies. These include false charge-offs, misreported late payments, and collections accounts that are either not mine, inaccurately listed, or unverifiable. Despite my efforts to dispute these items directly with the credit bureaus, they remain unresolved, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Inaccurate Items Reported : Late Payments ( Notified but Not Validated ) : XXXX XXXX ( Account ending XXXX, and XXXX ) XXXX XXXX ( Account # XXXX ) Charge-Offs ( Falsely Reported ) : XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX ( Account # XXXX * ) XXXX  ( Account # XXXX * * * and XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Collection Account ( Unfamiliar and Unverified ) : XXXX XXXX XXXXXXXX XXXX  ( No account number provided ) Hard Inquiries ( Unauthorized or Related to Disputed Accounts ) : 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  Legal Violations : These entries violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Reporting agencies must ensure the maximum possible accuracy of consumer information. 15 U.S.C. 1681i ( a ) CRAs must reinvestigate disputed items within 30 days. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reason to believe is inaccurate. 15 U.S.C. 1681s-2 ( b ) Furnishers must correct and update inaccurate or unverifiable information after receiving a dispute. I have not received any debt validation or proof that these derogatory items are legitimate. Some accounts may be the result of identity theft or clerical errors. I have attached [ FTC Identity Theft Report, dispute letters, credit reports, and any related correspondence ] to support my claims. Impact on Me : Due to these false entries : Ive been denied credit and financial opportunities. Ive experienced increased interest rates on existing accounts. Ive suffered stress and reputational harm. Relief Requested : Immediate deletion of all inaccurate charge-offs, late payments, and collections. Removal of all unauthorized or unnecessary hard inquiries. A full investigation into the furnishers and the CRAs ' reinvestigation processes. Written confirmation that these items have been corrected across all three credit bureaus. I respectfully ask the CFPB to ensure full enforcement of the FCRA and to protect my rights as a consumer. These ongoing inaccuracies are unjust and mustbeaddressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bayside Credit
State: CA

Complaint narrative:
From XX/XX/year> through today XX/XX/year> I have been receiving back to back calls repeatedly from Bayside credit. They call from XXXX numbers too. But repeat calls from XXXX. I've answer and told them to stop harassing me. Just today XX/XX/XXXX I've received XXXX calls back to back at XXXX am and XXXX am. I am just the CO signer on this debt and am being harassed all day from these people over a 10 day late payment. This needs to stop. On XXXX 's XXXX I got repeat calls at XXXX, XXXX, XXXX and XXXX. Then they switch numbers and continue calling.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kikoff Inc.
State: IA

Complaint narrative:
I close my account somebody opened it in my name and all and I didn't do it so I closed it and now I'm getting charged for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation