vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want everyone to know the real story behind Lobels garnishment and the fraudulent deals they are suing me over. In late XXXX, I discovered that my name and business were used without my knowledge or consent to commit fraudulent vehicle deals. The branch manager, XXXX XXXX, who is still employed by Lobel, played a critical role in this scheme. I was actually introduced to her by the very people committing the fraud, which shows how deeply involved she was in the operation. When underwriting raised red flags about inconsistencies in the paperwork, it was her job to vet and stop these suspicious deals, but instead, she actively helped cover them up. 

XXXX received calls and texts directly from the people committing the fraud. She coached them on how to make the deals look legitimate. When higher-ups from Lobel came to investigate, XXXX even warned the fraudsters not to let me find out or be present. This is not just a mistake ; its a coordinated effort within the company to hide wrongdoing. 

Since then, the same group has continued to commit fraud on others without their consent, using different names and in different locations. I was completely unaware of these fraudulent activities as I never authorized or signed any of the documents Lobel claims I did.

Despite this, Lobel has sued me and is garnishing my wages over these fraudulent deals, causing me immense financial hardship. They never provided me with any actual documentation or proof of my authorization. In XX/XX/XXXX, Lobel began garnishing my wages at a high percentage ( 25-30 % ), which caused significant financial hardship including loss of my car, late rent payments, and the need to move early from my home. In XX/XX/XXXX, the garnishment amount was officially lowered by court order, and Lobels collection attorney was supposed to submit the updated documents to the court. However, they delayed filing, causing continued deductions at the original high rate for two weeks after the update.

Im sharing this to expose how these internal failures and abuses at Lobel have ruined my life, and to warn others who may be targeted similarly. This problem is systemic, and Lobel must be held accountable for their role in enabling fraud instead of stopping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX set up 4 payments with promise to receive {$1000.00} of credits applied to my account. Advised agent that the payment had been returned back in XXXX for reasons unknown and was hesitant to set up phone payments. Assured I would receive my credits if anything went wrong. Payment was returned by bank for transaction type. Called in on XX/XX/XXXX to set up payment via ACH, was scheduled online while on the phone with agent. First two payments posted but no credits. XX/XX/XXXX bank account overdrawn for {$400.00} excess payment by discover, due to incorrect set up of scheduled payment and activating auto-pay, per the counsel of the agent over the phone. Called the company, spoke with several different people, advised that credit would be applied after phone review, could take 48 hours. Called back XX/XX/XXXX, unable to resolve issue of credits not applied. Called again XX/XX/XXXX and told credits promised would not be applied despite curing of past due balance early. Bank account overdrawn again, second attempt to overpay themselves with auto-pay due to incorrect set up of scheduled payment on due date. Told to call back again. I've spent at least 8 hours on hold and being transferred and on chats with discover and they refuse to rectify the lack of credits/adjustments on my account. Also still unable to use the credit card as none of my available balance is available for use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank ( Chase ) regarding the abrupt closure of my checking accounts in XXXX XXXX and their ongoing refusal to provide any explanation for the action, despite multiple requests. This has caused significant financial disruption and uncertainty, and I believe it may violate consumer protection laws requiring transparency in banking practices. 
What Happened : In XX/XX/XXXX, Chase closed all my checking accounts, including my personal account and accounts associated with my businesses. At the time, I was operating a credit repair business from XXXX, but I was not informed that this was the reason for the closure, nor was I given any prior notice or opportunity to address any concerns. The closures affected my ability to pay bills, receive payments, or manage my finances, leading to bounced checks, delayed transactions worth approximately {$75000.00} in pending transcations. Since the closure, I have repeatedly contacted Chase to request the reason for their decision. This includes : Phone calls to their customer service and fraud/account review departments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and evem more recently in XXXX - XX/XX/XXXX, where representatives stated they could not disclose the reason due to internal policies. 
Written requests via email on XX/XX/XXXX to the executive department to which I received generic responses : Your account is closed due to internal factors. 
Attempts to reopen accounts or apply for new ones, which were denied without explanation. 

Chase 's refusal to provide a reason has prevented me from understanding or disputing the basis for the closure. I suspect this may relate to an internal " blacklist '' or risk assessment, but without details, I can not confirm if it was due to inaccurate information, discrimination, or a misunderstanding. This lack of transparency has made it difficult to bank elsewhere as I was grossing close to XXXX XXXXXXXX a month with large expenses in my XXXX XXXX and it was hard to move all the accounts to another bank. Chase action may have led to negative reports in systems like XXXX  or XXXX XXXX XXXX potentially affecting my access to financial services.I have reviewed my account history and confirm there were no unpaid debts, overdrafts, or fraudulent activities on my part that would justify the closure. All accounts were in good standing prior to the action. 
What I Did to Resolve the Issue : I first contacted Chase directly multiple times, as outlined above, but they have consistently refused to provide any substantive information or reverse the decision. I have not filed previous complaints with the CFPB or other regulators about this specific issue. 
Thank you for investigating this matter. I am willing to provide additional documentation as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: PA

Complaint narrative:
XX/XX/year>XXXX  : I received a document from TekCollect stating that I have a debt that was sent to collections. This debt is from XXXX. They quoted an outstanding balance of {$1700.00} for a service I did not receive. XXXX had a lifetime guarantee that they no longer fulfill since shut down. My service was incomplete and the contract was breached. They have not fulfilled their contractual obligations, yet their financing partners are still demanding payment. 


XX/XX/year> : My credit depletes by XXXX points. I contact TekCollect and receive no response or assistance. 

XX/XX/year> : I contact TekCollect for the second time and receive no response or assistance. 

XX/XX/year> : I contact TekCollect for the third time ( After the weekend ) and receive no response or assistance. 

XX/XX/year> : I contact TekCollect for the fourth time and receive no response or assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit inquiries that i did not authorized : 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 explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable and constitutes false and misleading information regarding my financial history. 

I take the accuracy of my credit profile extremely seriously. The appearance of these unauthorized accounts is a matter of significant concern, and I require immediate clarification on why they are being reported and who is responsible for furnishing this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-12 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: IL

Complaint narrative:
These accounts are being reported in my name without my authorization or knowledge. I have never applied for, opened, or managed them. Their presence on my credit report is unacceptable and constitutes false and misleading information regarding my financial history. 

I take the accuracy of my credit profile extremely seriously. The appearance of these unauthorized accounts is a matter of significant concern, and I require immediate clarification on why they are being reported and who is responsible for furnishing this information.

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 2025-08-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized access to my credit report has harmed my credit and score. I previously reported this and was assured removal of the inquiries, yet they remain. 

This inaction is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS LISTED... 
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

THIS ACCOUNT IS CHARGED OFF AND NO LONGER SHOULD BE ON MY CREDIT 15 USC 1681S-2 FCRA 605 ( b ) Block 15 U.S.C 1681iaa THIS ACCOUNT WAS SOLD MAKING IT NOT MY DEBT PLEASE REMOVE THIS ACCOUNT ASAP 15 U.S.C 1692g I DONT HAVE A CONTRACT WITH THIS COLLECTION COMPANY LISTED. I REPORTED THEM TO THE FTC FCRA 605B ( 15 U.S.C. 1681c-2 ) SO PLEASE REMOVE THIS ACCOUNT... THIS IS ILLEGALY REPORTED AND 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-12 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date XX/XX/year> Subject : Request for Verification and Formal Dispute of Student Loan Account ( s ) To Whom It May Concern, I am formally disputing the accuracy and validity of certain student loan accounts being reported under my name and requesting verification pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( if applicable ) Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Consumer Financial Protection Act, 12 U.S.C. 5531 et seq.

Disputed Account ( s ) 1 : Department of EducationXXXX XXXX . U.S. Dept EdXXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX The reporting furnisher/servicer has not provided complete, accurate, and verifiable documentation showing the legal ownership, transfer history, and enforceable contract for these loans. 

Under FERPA, I request disclosure of any and all educational records, promissory notes, disbursement records, and related documentation containing my personally identifiable information.

The reporting contains inaccurate, incomplete, or unverifiable information that may be adversely affecting my credit standing.

No complete payment history or proof of lawful servicing transfer has been provided to substantiate the reported balances and status. 

Requested Action : I am requesting and for Equifax, Experian and Transunion to Provide a copy of the original signed promissory note ( s ) and all subsequent servicing/transfer records.

Provide disbursement records showing funds were disbursed to me or on my behalf. 

Remove any unverifiable or inaccurate student loan information from my credit file. 

Provide the name, address, and contact information of the current holder of the debt. 

Please note : If the requested information can not be verified within the timeframes established under the FCRA and FERPA, the disputed information must be deleted from my credit report and all data furnishers must be instructed to cease reporting the unverifiable information. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Ive ask for help with this interest rate since Ive already paid on this loan for 2 years at an interest rate of XXXX percent so the loan is already paid off now and I got another 4 years to go at an interest rate if XXXX percent interest rate do thats another XXXX XXXX dollars on top of the XXXX dollars Ive already paid for this motorcycle so for a XXXX XXXX dollar motorcycle I will end up paying XXXX dollars for. If I wanted to sell it to get out of this loan I couldnt because Im in over my head in this loan. The motorcycle is only worth around XXXX XXXX and I still owe almost the whole loan amount that I took out at the beginning of the loan over two years ago. Ive not gotten any credit increase from this loan as the loan principle has not gone down from when I hit it over two years ago. I cant keep paying on a loan that isnt going to go down only a few dollars each payment. Its going me no good. They didnt explain this was a 6 year loan at almost 30 percent interest. I wouldnt have signed if I would have known this.

American credit acceptance is who financed my motorcycle but they dont refinance and since Ive only paid down 2 % if that on my motorcycle in over 2 years nobody will refinance it. So Im either stuck paying for 4 more years at 27.88 % or let it go back which I really dont want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
HI, Remove my itms on reort ; Im the victim of identity theft. Clear the items to bring my credit bck.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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