vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: KY

Complaint narrative:
CFPB Complaint Packet : XXXX XXXX XXXX I am filing a formal complaint against XXXX XXXX XXXX regarding a predatory auto loan contract that violates multiple Kentucky and federal laws. 
In XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX Acceptance after purchasing the vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX. The contract reflects a XXXX % APR, despite XXXX  XXXX capping interest at 19 % for loans under {$15000.00} ( XXXX XXXX ) and limiting finance charges under XXXX XXXX for used vehicle installment sales. 
The vehicle was listed at {$12000.00}. I provided a {$2000.00} down payment. However, XXXX structured the loan as if I financed the entire price and then added a {$1000.00} XXXX insurance fee, a {$580.00} doc fee, and a {$22.00} filing fee-bringing the 'amount financed ' to {$12000.00}. This fraudulent structuring artificially pushed the contract over {$15000.00} in order to justify the illegal interest rate. 
XXXX was not the originating lender but accepted the contract and continues to enforce it. After I sent a formal legal dispute letter, XXXX responded by defending the terms and threatening repossession, despite clear notice that the contract violates state and federal lending statutes. 
In their XX/XX/XXXX reply, they cited XXXX XXXX, ' a statute that does not exist. If they intended to reference XXXX XXXX instead, then the contract also violates that statute. 

This false citation and their denial of any wrongdoing in the face of a clear legal dispute is an act of gaslighting, misrepresentation, and continued predatory enforcement. This has caused me severe financial and emotional harm. 
I am demanding a full loan rescission and enforcement review. I am also submitting supporting documents including the full retail installment contract and XXXX 's XX/XX/XXXX response letter. 

Legal Violations : XXXX XXXX XXXX has violated the following : - XXXX XXXX : Charging interest over 19 % on a loan under {$15000.00} - XXXX XXXX : Exceeding maximum finance charge allowed on used vehicle sales- XXXX XXXX : Engaging in unfair, false, misleading, and deceptive trade practices- Truth in Lending Act ( TILA ) : Failing to clearly disclose finance structure and violating required disclosures - XXXX XXXX : Entitling me to civil action for damages under the Kentucky Consumer Protection Act

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 2025-04-11 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl XXXX Social XXXX I am writing to formally dispute the late payment reported on my student loan account, by MOHELA which inaccurately reflects a XXXX overdue status. According to my records, this loan was first placed in deferment and subsequently placed into forbearance following my discussion with a representative from your office. Despite the forbearance agreement, the account was erroneously reported as late to the credit bureau, which I believe is a mistake. 

Additionally, I would like to highlight the broader challenges faced by borrowers during this period. Under the Trump administration, many students, including myself, experienced significant difficulties accessing the Department of Education 's website to set up Income-Based Repayment ( IBR ) plans or manage their loans effectively. These systemic issues further complicated the timely resolution of loan-related matters. 

I kindly request an immediate review of my account and the circumstances surrounding the late payment reporting. If it is determined that this reporting was an error, I ask that you promptly update my account records and notify the relevant credit reporting agencies to remove the inaccurate late payment from my credit history. I have not been able to get any resolution to this matter with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 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: CL Holdings LLC
State: OH

Complaint narrative:
A few years ago XXXX tried enrolling into a XXXX XXXX XXXX online and found that my identity has been used for years to gain loans. I contacted XXXX XXXX and reported the fraud but they wouldnt cooperate. I need this taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 seven 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
Consumer complaint received 2025-04-11 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: MD

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are several inaccurate items appearing on my credit report that must be addressed without delay. Some contain incorrect information that doesnt match any of my records, others are completely unfamiliar, and several appear to have been added without any proper verification. This is a clear violation of the FCRA, which requires that all data on a credit report be 100 % accurate and verifiable through reliable documentation. 

To resolve this issue, I am demanding the immediate and permanent removal of all disputed information. If the data furnishers can not produce valid evidence confirming the accuracy of these entries, they have no legal right to remain on my file. I expect prompt action to correct these errors and restore the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-11 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: WV

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had this RV loan since XX/XX/XXXX. I paid on time every month at 12.2 interest. The loan balance didnt go down very much. Like {$1000.00} for 24 months of $ XXXX  monthly payment.. Back in XX/XX/XXXX my spouse deployed and interest was lowered to 6 % interest per SCRA benefits in XX/XX/XXXX. They gave me back interest in a check ( for the few months from military interest being lowered ) for interest I had paid between the 12.2 and 6 % but since then the balance has not lowered much. There are no online statements to read. By design Im sure. 
I have screenshots stating how much interest was accrued last period and yearly and its not adding up with the balance. Also when I got the loan I made 24 $ XXXX monthly payments and the balance didnt go down much. Original loan was {$64000.00} back in XX/XX/XXXX at 12.2 %. Even with the lowered interest currently after the {$550.00} payment on XX/XX/XXXX the balance is still {$61000.00}. 
I have made payments totaling {$25000.00} in 40 months and only {$3300.00} has come off the original balance. Something is not adding up. I tried calling the company and they were rude and said they could not do anything about it. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon looking at my credit I discovered three late payments that are reporting incorrectly. Ive contacted my lender and they have verified that these late payments are falsely reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
when rep called impersonating a lawyer I asked them to provide the purchase agreement, The rep became very aggressive - asked " cease and desist. '' the calls- disputed on all three credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor
to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/year>, Sunrise credit service sent a collection debt of {$1400.00} they been calling and harassing me multiple times truth is I dont even know where this collection even come from.

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 2025-04-11 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: CA

Complaint narrative:
Let me be clearthis complaint is not a misunderstanding. There are errors on my credit report that dont meet the standard of maximum possible accuracy, and theyre taking a serious toll on me. The impact goes far beyond numbersits affecting my life, my peace of mind, and my ability to move forward during already difficult times.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never applied for a credit card with XXXX XXXX, I wrote to them and asked them to prove that I applied for a credit card, I am write them to send evidence since XX/XX/year> they can not prove the closed account that is on my credit report, and it makes my life difficult, every time they remove it they put it back on my credit report it is a pilgrimage, and the name and address related to the closed account is not my name to prove I sent my US ID and a copy of my passport in a letter asking them to verify, the information they reported for me really does not match mine.

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 2025-04-11 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: WV

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 response to consumer: Closed with non-monetary relief