vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
b'See attached documents as well as these fraudulent inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I purchased an suv in XXXX. At XXXX XXXX in XXXX, Illinois the sales guy was XXXX XXXX was the one who assisted me by helping me find a reliable and dependable car He suggested that I should get the XXXX. XXXX XXXXXXXX XXXX It was in my budget he sold me the car for XXXX. The price on the window was XXXX. I was aware of the sale tax fees and the state tax so that was no biggie He told me that was my final price XXXX. Which is in my contract that I signed to agree to. For only that amount Now when I made my first XXXX payments to Credit Acceptance Loan company I asked for my grand total of the XXXX. They informed me with a different total amount which was over XXXX that I did not agree to when I was purchasing the XXXX I simply told Credit Acceptance that I didn't agree to pay that ominous amount So they basically told me I don't have no other choice because the vehicle is already purchased I surrendered the XXXX a few months ago in XXXX. Because I got behind on the note due to the transmission defaulted and the front bumper just fell off XXXX day while I was driving on the highway and now I'm being sued for over XXXX by a debt collector XXXX  Credit Acceptance and XXXX the salesman at XXXX XXXX misled me and took advantage of me. I noticed he was too friendly with A Credit Acceptance agent while they were on the phone XXXX kept asking me to step outside and check out your new car! While I wrap things up for you! So he was aware of credit acceptance betraying me

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX for XXXX XXXX ( XXXX * * * * ) * * and XXXX BANK ( XXXX ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MO

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! 
"

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 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Between Friday, XX/XX/XXXX and Wednesday, XX/XX/year>, I received XXXX missed calls from Santander Consumer USA at ( XXXX ) XXXX about a past-due car loan. 
These calls violate both : Federal law ( 12 CFR 1006.14 Regulation F ), which limits collection to no more than 7 calls in a 7-day period, and Massachusetts law ( 940 CMR 7.04 ( 1 ) ( f ) ), which limits collection calls to 2 per week per debt.

The repeated calls caused emotional distress, and I have attached a screenshot of my phone log as evidence. 

On Wednesday, XX/XX/XXXX, I also received an email notice from Santander stating that my vehicle has been assigned for repossession. This came immediately after their unlawful call pattern. I have attached the repossession email as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent XXXX XXXX ( {$480.00} ) through Sendwave to the wrong number in XXXX. XXXX XXXX reversed the funds and confirmed it on XX/XX/year>. They even emailed Sendwave. Despite this, Sendwave refuses to refund me and keeps claiming they are waiting on their local partner, which is false. It has been more than 30 days. I have emails and evidence to support this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Names are wrong and that I want them removed off of my credit profile. I have reported that I am a victim of identity theft and wanted to have my account cleared. They sent proof of a car lease that I had no Idea of from a company named XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXXXXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00}

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 2025-06-25 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-25 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: FL

Complaint narrative:
I sent two request for the credit bureaus to investigate two collections items. That the credit bureaus believed were mine. The accounts were : XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$4000.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$460.00}, Payment : -, Issue : Collection/Chargeoff The initial request was on XX/XX/XXXX and the last request was XX/XX/XXXX. Both times I only received a letter and credit report stating that the collection accounts were mine. This is a huge problem. Due to these negative marks, I was recently denied fair access to mortgage financing and was instead offered an interest rate of over 10 %. This has directly harmed not only my financial well-being but also my familys future. I am seeking homeownership, and these inaccurate accounts are blocking that opportunity. I am aware that Experian has not been properly investigating consumer disputes and I believe I am a victim of this. In additional all 3 credit bureaus are aware that Equifax has been sued over data breach. You would assume that these credit bureaus will take it more seriously. This is increase my mortgage payment from {$3800.00} to {$6100.00}!!! I need this resolve immediately.

These 2 collection accounts do not belong to me and were never legally validated. Since they have failed to provide proper verification or remove them in accordance with federal law, I am requesting immediate deletion of these entries. 
Please treat this matter very seriously.

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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/year>, I received a written settlement offer from XXXX XXXX XXXX ( XXXX ) for {$8500.00} to resolve my defaulted auto loan. I intended to pay this, but shortly after, I was contacted by their authorized collection agency, XXXX XXXX, who verbally offered a further reduced settlement of {$7700.00} in XX/XX/year>. I expressed willingness to pay that amount in full. However, when I followed up, XXXX claimed the account had been recalled by XXXX and could no longer accept payment. When I contacted XXXX again, they claimed the {$8500.00} offer had expired and now demanded {$9500.00} despite no clear explanation for the sudden increase. I feel misled and pressured to pay more than what was previously offered, even though I acted in good faith and was ready to resolve the debt. Im requesting intervention so that either the original written offer of {$8500.00} or the verbal offer of {$7700.00} is honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Again my arro card reopened on equifax when it was discharged in my XXXX XXXX and again tanked my credit score and it was just removed and reported this is a violation of the bankruptcy they are also refusing to take off everything else from my bankruptcy and have names that are not mine on my credit report I have but in multiple complaints. My information was leaked in their data breach. I will sue if this isnt corrected immediately this is ruining my credit and I cant get verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Bank ( CareCredit ) has continually mismanaged and mishandled my dispute over unauthorized XXXX XXXX charges. Despite sending a certified letter on XX/XX/XXXX requesting a full refund, all billing statements ( including from XXXX ), and permanent account resolution, they have continued to act in bad faith. 

They mailed partial statements around XX/XX/XXXX, but the first statement provided ( dated XX/XX/XXXX ) shows a previous balance, proving that earlier statements exist and were withheld. 
On XX/XX/XXXX, after CFPB notified me that my complaint had been shared with the Federal Trade Commission, Synchrony added a dispute remark to my Equifax credit report without my consent, despite my explicit instruction not to report anything during the dispute process. 
This action caused my credit score to drop and appears retaliatory.

They previously removed the account from my credit report for 36 days, only to re-report the full balance later, causing drastic fluctuations to my credit. 
I have now received multiple contradictory messages, including refund confirmation, billing statements showing continued charges, and credit reporting actions that dont align with anything Synchrony claimed was resolved. 

This complaint is about continued financial harm, retaliatory credit actions, and failure to fully comply with CFPB guidelines or consumer 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 monetary relief
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX This account is reporting a balance of {$9700.00} and is marked as a collection. After reviewing my credit file, I am positive that this item is inaccurate, incomplete, and legally unverifiable. 

my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I am requesting a full deletion of this tradeline from my credit report. The reporting of this debt also appears duplicative of a charge-off already reported by XXXX XXXX and violates the FCRAs prohibition against furnishing misleading or duplicate data. 

Additionally, if XXXX XXXX XXXX can not provide sufficient verification that this debt is accurate, valid, and legally enforceable, it must be deleted from my file in accordance with the FCRA. You are required to complete your reinvestigation within 30 days of receiving this. 

Please send me written confirmation that this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief