vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Subject : Unfair Loan-to-Value Ratio & Predatory Auto Loan Terms XXXX  XXXX XXXX  Dear Consumer Financial Protection Bureau , I am filing this complaint regarding my auto loan for a XXXX XXXX XXXX The loans payoff balance is over {$25000.00}, yet the current market value of the vehicle is only about {$16000.00}. This creates an extremely high loan-to-value ratio, which makes refinancing impossible because no lender will approve a loan with this imbalance. 

In addition, the interest rate on this loan is unreasonably high, making it nearly impossible to pay down the principal. My monthly payments are essentially covering interest, with minimal impact on the balance. As a result, I am trapped in a loan where : Refinancing is not possible due to the inflated payoff compared to the cars value The high interest rate ensures the loan can not be paid off in a reasonable timeframe Paying off the loan in full is not financially logical because the vehicles value does not justify the payoff amount This situation is unfair and financially harmful to the consumer. It effectively traps me in an ongoing cycle of payments without a realistic path to ownership or relief. 

I am requesting the CFPB investigate the lending practices in this case and take action to ensure consumers are not subjected to predatory loan structures that make repayment and refinancing impossible. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally report an incident involving unauthorized activity on my Cash App account, which resulted in a total financial loss of {$150.00}. The funds were stolen through two separate transactions involving the purchase of XXXXsomething I have never authorized, initiated, or previously used Cash App for. 

On XX/XX/XXXX, XXXX separate XXXX purchases of {$75.00} each were made through my Cash App account. These purchases were completed without my consent or knowledge. Upon reviewing the transaction history and activity, it is clear that the individual responsible used these funds to buy XXXX and transfer it to their own wallet. 

I have taken the time to investigate the issue and have identified the phone number associated with the thief responsible for this fraudulent activity. The number is ( XXXX ) XXXX To reiterate : I have never purchased XXXX via Cash App. 

These transactions were unauthorized and constitute theft. 

I have evidence of the amounts withdrawn, the dates, and the suspicious nature of the transactions. 

I have identified a phone number connected to the individual who committed this fraud. 

Given the above, I am requesting immediate compensation of the stolen amount $ XXXX a full investigation into the security breach of my account. I have never made any purchases on XXXX on this account, let alone deciding to make transfers immediately after. 

I take financial security seriously and expect the same from the platforms I use. I trust that Cash App has adequate fraud protection protocols in place and will handle this matter swiftly and fairly. Please advise on the next steps, and whether you require any supporting documents or screenshots to expedite this process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Affirm is reporting an account for {$740.00} that does not belong to me. I have sent them my Identity Theft Report. They are reporting this to XXXX, XXXX, and XXXX. I have called multiple times to inform them that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I was not made aware of this account and did not have any knowledge of this matter or that it was going into collections and/or being submitted onto my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I assert that these accounts do not belong to me and may result from fraud. Im requesting their deletion from my credit file and an investigation into their origin. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX XXXX will not correct the status of the account that I had with them to reflect the account as XXXX through Chapter XXXX bankruptcy. XXXX has chosen to show the account as written off for {$6200.00} andsold to Resurgent Capital Services in violation of XXXX XXXX and XXXX XXXX bankruptcy rules. 

XXXX XXXX and Resurgent Capital Services are : - Knowingly falsifying credit reports post-discharge ( wire fraud under 18 USC 1343 ) - Causing tangible harm - Ignoring regulatory complaints These entities systematically violate 18 USC 1343 ( Wire Fraud ) by : - Transmitting false credit data across state lines post-bankruptcy discharge ( Case # XXXX, XX/XX/year> ) - Knowingly defrauding credit bureaus via " verification '' of XXXX debts - Obstructing justice by ignoring federal court orders ( 11 USC 524 ) This constitutes misprision of felony under 18 USC 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

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 wh
ich 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 2025-08-11 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: GA

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 wh
ich 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 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Summit A*R, Inc.
State: GA

Complaint narrative:
I submitted a formal debt validation request to Summit AR on XX/XX/year>, and followed up with a second letter dated XX/XX/year>. USPS tracking confirms both letters were delivered, with the follow-up letter being received on XX/XX/year>, at XXXX XXXX. Despite my lawful request under the Fair Debt Collection Practices Act ( FDCPA ), the company has failed to provide the required documentation to validate the alleged debt. 
The documentation I requested included : Proof of damage ( before/after photos ) Breakdown of charges Repair receipts Explanation of how damage differs from pre-existing damage Summit AR continues to report this alleged debt without verifying its validity, a direct violation of FDCPA and the Fair Credit Reporting Act ( FCRA ). I request that the CFPB require the company to cease all collection activity and remove the debt from credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Equifax Refusal to Investigate, Use of Frivolous Designation Without Proof, and Continued Reporting of Disputed Accounts in Violation of FCRA, Metro 2, and 15 U.S.C. 1681s-2 ( b ) Details : On XX/XX/2025, Equifax sent me a letter ( attached ) refusing to investigate two accounts currently being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax claimed my dispute was " frivolous '' because there was an existing dispute in process. However, the dispute was filed through the CFPB, and I have submitted new legal arguments and documentation, which under FCRA 611 ( a ) ( 1 ) ( A ) requires a reinvestigation unless they can demonstrate the dispute is truly frivolous. Equifax has failed to provide such documentation. 

Violations : FCRA 611 ( a ) ( 1 ) ( A ) & ( a ) ( 1 ) ( B ) Failure to conduct a reasonable reinvestigation despite new information. 

FCRA 611 ( a ) ( 7 ) Failure to provide the method of verification for previously verified accounts. 

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. 

15 U.S.C. 1681s-2 ( b ) After being notified of the dispute by a CRA ( through CFPB and e-OSCAR ), the furnishers ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX failed to conduct a reasonable investigation and report accurate results. Equifax failed to ensure this standard was met. 

Metro 2 Standards ( XXXX XXXX ) Accounts under dispute must be reported with the proper XXXX  dispute code and must not be updated with new balances or status changes until the dispute is resolved. Equifax continues to update these accounts in violation of Metro 2 guidelines. 

Use of e-OSCAR for sham investigations Equifax is using automated e-OSCAR dispute processing without reviewing all submitted evidence, which constitutes a failure to perform a real investigation as required by FCRA and as highlighted in ongoing CFPB enforcement actions against other CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
This is not a mistaken complaint. My credit report contains clear inaccuracies that fall far short of the maximum possible accuracy required by law. These errors are causing ongoing and significant harm to me, both financially and personally. The negative impact is severe, and the urgency to correct this matter can not be overstated.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX was taken out of my account no transaction history. Money just gone and their stalling on my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TN

Complaint narrative:
Contacted Equifax to remove address XXXX XXXX XXXX, XXXX  TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Complaint Statement On XX/XX/year>, I received an email stating that I owe {$1200.00} for Comenity Bank account. On XX/XX/XXXX, I called to dispute the debt that is not mine. 
When prompted to enter my Social Security number in the automated system, it did not recognize me. The representative then stated that the address associated with the account was in XXXX, NJ a location where I have never lived.

I sent a Certified Mail, Return Receipt letter requesting full debt validation, including the original creditor details, account documentation, and payment history. I have not received the requested information. Instead, I received a letter from the company requesting that I provide additional verification, including an affidavit. 

I am being pursued for a debt that is not mine, and I have not received the legally required validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). This collection activity is causing undue harassment and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi XXXX XXXX XXXX of XXXX XXXX in XXXX XXXX area. I been having a lot of problems with my accounts ( fraudulent activity/ changes to my credit score. ( Technical issues/ problems ) I recently paid off an auto loan, payments on time - good standing and credit score went down. I been working really hard to get the correct results and thats not reflecting at the moment .please further investigate and come up with a better solution. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
student loans on Equifax is incorrect and loans were not paid late. and balance is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We started our vacation by visiting XXXX from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX using our credit card for most purchases and then we continued on to XXXX from XX/XX/XXXX to XXXX XXXX. I was notified on/or around XX/XX/XXXX, and spoke to XXXX customer service agents, that I was flagged for suspicious activity of purchases made on my credit card. We went through each transaction and verified that only the purchase on XXXX XXXX  from XXXX XXXX ( XXXX of them totaling {$3200.00} ) and XXXX ( XXXX for {$540.00} ) for a combined total of {$3700.00} were NOT ME. I was asked if I had my credit card in my possession and I confirmed I did. They then asked me to read the numbers, and they did not match what they had and wanted to clarify that it was my card, which it was. They said that maybe someone made a " clone '' of my card but they were putting a hold on it none the less, reversing the charges and conducting an investigation. My vacation then continued to XXXX and XXXX before returning to XXXX the evening of XX/XX/XXXX. A few days later I was going through my statement only to see that the reversed charges were reinstated making me accountable. We called and spoke to a representative who said their was not sufficient evidence to prove that it was not me. We then said we have flights and paperwork to prove we were not where these purchases were made, so we sent the digital copies of such and they said they would look at the evidence again. That was on XXXX XXXX. Our credit card is due to be paid on XX/XX/XXXX, and as of XX/XX/XXXX the charges still appear and I did not hear anything back from Capital One in regards to the matter. So I called again on XXXX XXXX. I asked to speak to a Fraud Supervisor and was on the phone for 20 minutes while he looked into it. In the end, I was told that upon further review there is still not sufficient evidence. I went back and forth saying that it was impossible since I was abroad and I have the evidence to prove it. I then asked to speak to his supervisor, and I was told I couldn't, that there was nobody higher than him and there's nothing that can be done. I told him that I am only paying the balance of the credit card, minus those charges and I will pursue other ways to prove my innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, the company was contacted to provide detailed information on how payments ( i.e. : XXXX, XXXX XXXX ) were disbursed towards the remaining principal balance. I had not received notices of any kind in over a year, indicating late payments, or any issue with the account until this week. 

I was informed XXXX amounted to {$3300.00}, and XXXX XXXX amounted to {$4900.00} in payments, leaving a remaining balance of {$5400.00}. A payoff for the amount of {$2900.00} is the outstanding amount to close the account. I was unable to meet that requirement, or continue monthly payments at {$290.00}. Another offer was made for {$580.00}, with the understanding the account would report as closed, but settled for a lesser amount. 

I informed the representative that this seemed to be reasonable, and I would need additional time to pay the amount. An arrangement was made for a due date to be set in 90 days. 

I requested additional documentation reflecting the agreement, which I was told I could expect by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation did not fix all errors and inaccuracies on my account. I am requesting for original documents.

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