vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: CA

Complaint narrative:
I was on XXXX XXXX and saw that I was pre-qualified to refinance my current auto loan at a 4 % interest rate with autopay. I hadnt even completed the application I realized my phone number had a typo and I wasnt able to finish the process because of that. 

Despite not finishing the application, the lender still went ahead and did a hard pull on my credit, which I didnt realize at the time. I didnt reach out about it initially, but a few days later, I got an email from them asking if I was still shopping. Since they had already done the hard inquiry, I figured I might as well go through with it, assuming the rate would still be close to the 4 % I was shown. 

They asked me a few basic questions about my car over email and then came back with a rate of 18 %, which is more than double my current rate and nothing close to what was advertised. 

This feels completely misleading. How can XXXX XXXX show me a 4 % rate when they already know my credit score, then pass me off to a lender that gives me a rate over four times higher after doing a hard inquiry I never properly authorized? 

I feel like this was a bait-and-switch situation that damaged my credit for no reason. Im requesting that the hard inquiry be removed and that this practice be reviewed for misleading advertising and improper use of consumer credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year> I was online on XXXX and there was an advertisement for XXXX XXXX closeout sale. I thought this is too good to be true, but unfortunately I had to learn the hard way and see for myself. I purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$84.00}. instantly after I made this purchase I took a good look at the website I contacted cash app and said stop do not pay on this charge it is a scam. Cash app responded you must wait until the charges no longer pending in order for you to submit a dispute. On XX/XX/XXXX I was able to report my dispute, cash app denied my dispute within hours. On the third of XXXX I filed another dispute for the same charge with cash app. Once again within an hour my dispute was denied. I went on the advertisement and noticed where they said they can be contacted which no phone number no address but there was a name for an email I was able to locate a XXXX under that email surname. I this email is, " XXXX XXXX XXXX. I sent an email to this person asking for my money back and telling them they do not have a right to scam people and take people 's hard-earned money and for them to get a job. This person responded to me saying my items had been shipped and now not one to two days now it takes 30 to 60 days and for me not to worry they will arrive. They referred me to a tracking app and they gave a tracking number there is no such tracking number for any order being shipped. There are numerous articles in regards to the same person making up not only XXXX XXXX other companies like XXXX XXXX XXXX XXXX as well. I really can not afford to just give away my money at this time. I can not understand why it is so difficult for cash app to just give me my money back. We will not be going through this if cash app would done as I requested and not paid on that charge. Cash app States this company 's name is XXXX XXXX. My question to cash app is do they speak to a person at this company XXXX XXXX does XXXX XXXX have a business license did they inquire any of this when they decided to deny my dispute to get my money back?? Now I have to keep waiting for cash app to investigate in order to tell me whether they agree to give me back my {$84.00}. I shouldn't have to go through this I shouldn't have to wait. If cash app would have just given me my money and dealt with this company that they seem is so legit, themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'Dear CFBP\nI hope this message finds you well.\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair\nCredit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and\nconfidentiality as a consumer, as protected under federal law.\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established\nthat individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly\nstates that a consumer reporting agency is prohibited from furnishing a consumers credit report or account\ninformation without obtaining prior written authorization from the consumer in question.\nIn light of these regulations, I must highlight that XXXX XXXX (Acct# XXXX), XXXX XXXX (Acct# XXXX), XXXX XXXX (Acct# XXXX) XXXX XXXX XXXX (Acct# XXXX) , XXXX XXXX (Acct# XXXX)  has unlawfully\naccessed and disseminated my personal account information without my express consent. This action constitutes a\ndirect violation of my federally protected rights, specifically regarding my right to privacy and the requirement for\nwritten authorization before the release of my consumer information.\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this\nsituation. I would appreciate a written response detailing the steps that will be taken to address this violation and\nensure compliance with the Fair Credit Reporting Act moving forward.\nThank you for your attention to this matter. I look forward to your prompt response.\nSincerely,\nXXXX XXXX XXXXnXXXX\nXXXXXXXX XXXX XXXX\XXXX, TX XXXX\nXXXX

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 2025-07-10 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:
b'Dear CFBP\nI hope this message finds you well.\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair\nCredit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and\nconfidentiality as a consumer, as protected under federal law.\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established\nthat individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly\nstates that a consumer reporting agency is prohibited from furnishing a consumers credit report or account\ninformation without obtaining prior written authorization from the consumer in question.\nIn light of these regulations, I must highlight that XXXX XXXX (Acct# XXXX), XXXX XXXX (Acct# XXXX), XXXX XXXX (Acct# XXXX) XXXX XXXX XXXX (Acct# XXXX) , XXXX XXXX (Acct# XXXX)  has unlawfully\naccessed and disseminated my personal account information without my express consent. This action constitutes a\ndirect violation of my federally protected rights, specifically regarding my right to privacy and the requirement for\nwritten authorization before the release of my consumer information.\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this\nsituation. I would appreciate a written response detailing the steps that will be taken to address this violation and\nensure compliance with the Fair Credit Reporting Act moving forward.\nThank you for your attention to this matter. I look forward to your prompt response.\nSincerely,\nXXXX XXXX XXXXnXXXX\nXXXXXXXX XXXX XXXX\XXXX, TX XXXX\nXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
am writing to formally dispute and request validation of a repossession account being reported under my name by Credit Acceptance, account number XXXX Balance XXXX and XXXX XXXX account number XXXX This account appears on my credit report and/or I have received collection notices regarding it. 

I request verification and detailed documentation to support the accuracy of the repossession and any alleged deficiency balance, as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ). 

Please provide the following : 1. A copy of the original signed contract or loan agreement ; 2. Proof of default and the timeline leading to the repossession ; 3. Copies of all repossession and sale notices, including the post-sale deficiency notice ; 4. A copy of the bill of sale or proof of how the vehicle was disposed of and for how much ; 5. An itemized breakdown of any remaining balance and how it was calculated ; 6. Proof that you are authorized to collect or report this debt.

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 2025-07-10 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: Early Warning Services, LLC
State: MS

Complaint narrative:
SEE ATTACHED. EVERYTHING THAT SHOWS UP ON MY CONSUMER REPORT IS RELATED TO THIS BLOCK.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
" I am filing this complaint because both my Equifax and Experian credit report lists a XXXX  XXXX bankruptcy filed on XX/XX/year>. However, the report does not include the full court name or district that filed it- it only says 'US DIST CT ' without specifying which District Court handled my case. I requested that Equifax verify this bankruptcy directly with the source, but they have not provided any proof of the specific court record. Under the FCRA, all information must be completed and verifiable. Since this public record does not clearly identify the filing court, I am requesting that the CFPB assist me in having Equifax either verify this information directly with Specific District Court or remove it from my credit report immediately if they can not verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
I have enclosed American Financial Networks ' recent response, which is worthless and wordy, with XXXX substance. Here, I dissect and demonstrate that their response is a premeditated lie, employing wordy language that fails to address the complaint. Here are the points. 

1. The company, in response, plays ignorant and tries to say, " as we understand the complaint, '' and similar language. AFN is very well aware of the clear complaint.

2. AFN in response gives a worthless wordy reaction about when the loan originated from a refinance in XXXX. However, the company didn't notarize papers at closing, and it was done late at night, making the mortgage void and making the borrower fully responsible after it is paid off. That's not the content of the complaint, but rather something that should be investigated. 

XXXX. The company talks about transfers and worthless talk, not addressing the recent false reporting of late credit payments. 

XXXX. The company fails to mention the fact that the loan was modified in XX/XX/XXXX, and all late payments reported before the modification are supposed to be removed at the time of the modification. All the wordy language does not address this. 

5. The other worthless statement by AFN is that what I presented was from a credit bureau and not something that they could comment on. This is really over the top and OUTRIGHT STUPID AND ABSURD. LAST I CHECKED, ALL MORTGAGE COMPANIES HAVE TO REPORT MONTHLY TO THE CREDIT BUREAUS, AND THEY CAN'T COMMENT ON A CREDIT BUREAU!!!

Had to be a slippery lawyer that responded for AFN in hopes that wordy language would camouflage simple facts not followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I reported on XX/XX/year> that a customer of your institution XXXX XXXX sent a transfer to me and then later reported it as fraud in and effort to reverse the transfer. I received a call today from your fraud department regarding this matter and was told the only way to have a restricted token placed on my account by your bank removed was to have the XXXX XXXX XXXX call and tell them it wasnt fraud. I explained this is not an option as he did this intentionally. I committed no offense and I find this very hard to believe your fraud department can not handle this matter on their own with the information Ive provided. I can provide text messages of the whole transaction with him verifying hes sending the transfer and then how he sent to the wrong phone number so he will resend. My banking institution XXXX and XXXX have both removed blocks from my accounts and Im told TD bank has placed this restriction token on me on behalf of XXXX XXXX. Ive lost all access to XXXX transfers and my name, phone number, and email are completely blocked from being used by any banking institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: ID

Complaint narrative:
Two student loans were made using my social. I lived in Arizona for about 8 months in the year XXXX. Roughly from XXXX. The first notification I received was from XX/XX/XXXX. Two more were then added on XX/XX/XXXX XX/XX/XXXX the grand total raised up to {$3000.00}. My amount of student loans showed on XXXX is now up to {$5000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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 writing to exercise my rights under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), also known as Section 605B, to request the immediate blocking and removal of fraudulent accounts that have been added to my credit file. The following accounts are not mine, and I did not authorize or initiate any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened using my personal information without my knowledge or consent. I am requesting that you block and permanently remove these accounts from my credit report, in accordance with FCRA 1681c2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to exercise my rights under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ), also known as Section 605B, to request the immediate blocking and removal of fraudulent accounts that have been added to my credit file. The following accounts are not mine, and I did not authorize or initiate any of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened using my personal information without my knowledge or consent. I am requesting that you block and permanently remove these accounts from my credit report, in accordance with FCRA 1681c2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I have thoroughly reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand have identified several serious issues. While TransUnion and Experian list accounts that are inaccurately reported, outdated, or unverifiable, my Equifax report fails to display any credit score or account information at all. These problems are significantly harming my credit profile and do not accurately represent my true credit history. 

Despite my previous efforts to resolve these matters directly with the credit bureaus, I have yet to receive proper validation, verification, or correction of the disputed items. The following concerns remain unresolved : Multiple charge-off accounts are being reported without proper validation or supporting documentation. 

Duplicate accounts appear across different bureaus, often showing inconsistent statuses or balances. 

Accounts that were paid off, settled, or are currently in good standing are still being reported with delinquent or late payment histories. 

Unfamiliar accounts are listed that I did not authorize and that do not match any of my known credit activity. 

One or more accounts are marked as dispute resolved consumer disagrees, yet no documentation or evidence was provided to support this resolution. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I have submitted formal disputes, but have not received a satisfactory resolution or the removal of unverifiable accounts. The ongoing inaccuracies, along with the absence of my Equifax credit score and report, are obstructing my ability to qualify for vital financial services, including housing and auto financing. 

I am requesting a prompt and thorough reinvestigation of these matters and a full correction in compliance with federal law.

Company response to consumer: Closed with non-monetary relief