vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Ricart Financial Services
State: OH

Complaint narrative:
I was not contacted prior to the repossession regarding the status of my loan or any delinquency. The first communication I received was an email after the repossession, informing me of an outstanding balance and inquiring about payment arrangements. I was not notified about the sale of the vehicle or provided with any details regarding its auction.Additionally, I have concerns about the transparency of the loan process. As a first-time car loan borrower, I was unaware of certain procedures. Upon arriving to finalize the loan, I noticed the loan amount was reduced by {$350.00} without explanation. Furthermore, I was recently informed that the vehicle was sold at auction for {$1000.00}, despite my understanding from attending similar auctions that vehicles in comparable condition typically sell for significantly more. I am now facing a lawsuit from the company for over {$6000.00}, which raises questions about the fairness and accuracy of the process.I believe there may be discrepancies in how this matter was handled, including potential coordination between the car dealership and the loan office. I request a detailed explanation of the loan terms, repossession process, auction sale, and the basis for the claimed balance. Additionally, please provide documentation related to the vehicles sale and any prior attempts to contact me before the repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX  THAT INCORRECT THE ACCOUNT WAS NOT CLOSE ON XX/XX/year> XXXX XXXX SENT MANY EMAILS TO CITI IN THE PAST REGARDING ISSUE WITH MY CITI ACCOUNT WHICH REPORT TO ALL THREE CREDIT BUREAU. I CALLED THEM ON THE PHONE AND NOTHING SEEMS TO WORK ONCE I GOT A COPY OF MY CREDIT REPORT I REACH OUT TO ALL THREE CREDIT BUREAU AND STILL NOTHING AND THEN I GET A LETTER STATING THAT THE INFORMATION THAT THEY REPORTED IS CORRECT THERE IS NO WAY. ON MY CREDIT CARD ENDING IN XXXX WHICH IS INCLUDED IN MY BANKRUPTCY WHICH MY ATTORNEY FILED ON XX/XX/year> IT SHOWS SO MANY ERROR ON THIS FILE. REALLY I DID ENOUGH CRYING BUT I CANT LET THIS STAY HEERE NO THIS IS A LIE. SO LIKE I STATED I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX XXXX HAVE A DATE AS DATE REPORTED ON MY XXXX  CREDIT REPORT AS XX/XX/year>. WHY I FILE BANKRUPTCY ON XX/XX/XXXX SO WHY DID YOU POST A DATE A MONTH AFTER I FILE SECOND THEY HAVE LISTED ON MY XXXX  CREDIT REPORT DATE CLOSE AS XX/XX/year> THE ACCOUNT WAS OPEN. DATE OF FIRST DELINQUENCY XX/XX/year> WHAT IS THIS I HAVE NEVER BEEN XXXX XXXX OR 90 DAYS LATE ON THIS ACCOUNT. DATE OF FIRST DELINQUENCY XX/XX/year> WHAT IS THIS LIKE I STATED BEFORE THIS ACCOUNT HAS NEVER BEEN LATE AT ALL IT HAD A BALANCE BUT NEVER LATE XXXX THAT. PAYMENT HISTORY ONCE I FILED CHAPTER XXXX BANKRUPTCY, ALL SUUDEN MY PAYMENT HISTORY ON THIS ACCOUNT DIS APPEAR FROM XXXX, XXXX XXXX XXXXXXXX XXXX, WHEN YOU LOOK AT PAYMENT HISTORY IT SHOWS UNKNOWN ON XXXX XXXX CREDIT REPORT XXXX XXXX XXXX LISTED ON XXXX  CREDIT REPORT THEN ON XXXX  NO PAYMENT FOUND BUT WHAT THEY DO IT SLIDE IN CLOSE FOR XXXXXXXX XXXX XXXX ON XXXX  CREDIT REPORT, SO JUST XXXX IF I DIDNT HAVE ACCOUNT WITH XXXX CREDIT BUREAU XXXX SHOW EXACTLY WHAT THAT WHERE DOING UNDER HANDED IT WOULD BE MY WORD AGAINST THEM BUT I HAVE MY CREDIT REPORT THAT SHOWS PAYEMNT HISTORY THAT THEY DELETE OFF MY CREDIT FILE FROM XX/XX/year> THEN LOOKING AT IT KNOW NOTHING BUT UNKNOWN. THEN SHOWING ALL OF THIS FALSE INFORMATION ON MY CREDIT FILE, I AM DISPUTING ALL OF THIS. I HAVE NEVER BEEN LATE I AM DISPUTING THAT. DATE REPORTED I AM DISPUTING THAT, DATE CLOSE DATE OF FIRST AND MAJOR DELINQUENCY I AM DISPUTING ALL ABOVE, IT THERE JOB TO REPORT ACCUATE INFORMATION ON ONES CREDIT FILE NOT FALSE INFOMATION. I FILE CHAPTER XXXX BANKRUPTCY, ON XX/XX/XXXX. ANYTHING AFTER THIS DATE NEEDS TO BE UPDATE CORRECTLY, PAYMENT HISTORY NEEDS TO BE UPDATED CORRECTLY NOT MISLEADING SOMEONE WHICH THEY HAVE DONE. SECOND I TOOK OUT A PERSOANL LOAN WITH THEM THEY DEBIT MY XXXXXXXX XXXX ACCOUNT BOTH ACCOUNTS ARE NOT LATE AT ALL THEY ARE PAY AS AGREE AND IT NEEDS TO REFLEX NOT BEING LATE AT ALL

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 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I requested a full amortization schedule and itemized loan breakdown ( principal vs. interest ) per Truth in Lending Act ( TILA ) requirements multiple times through several phone calls to USAA. They failed to provide this and instead referred me to a third-party website ( calculator.net ), which is not legally compliant or sufficient. 

I can not determine how my {$190000.00} fixed-rate boat loan at 17.59 % interest is being applied. Despite paying over {$10000.00} toward the principal, my balance has barely moved. During a recorded call, a USAA representative stated that XXXX different interest rates were reflected in the loan agreement and disclosure. Additionally, they confirmed that the {$10000.00} principal payment did not reduce the loans XXXX repayment term at all I am still locked into a XXXX payoff schedule, which seems mathematically and ethically questionable. 

These inconsistencies, along with USAAs refusal to provide a federally required amortization schedule, leave me unable to verify how my payments are being allocated. I believe Ive been taken advantage of through deceptive or predatory lending practices. 

At the time of origination, I was recovering from major XXXX XXXX ( ACDF ) and on strong prescription pain medications, which significantly impaired my cognitive function. I now believe I was not in a condition to give informed consent to a loan with such extreme terms. Had I been well, I never would have agreed to this. 

All my best, 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 2025-09-13 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I dispute the validity of this alleged debt in its entirety and demand that you provide full validation as required by law, including but not limited to : 1. The original signed contract or agreement bearing my signature.

2. A complete itemized accounting of the alleged debt, including principal, interest, and fees.

3. The name and address of the original creditor and proof of your legal right to collect this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that you are licensed to collect in my state, including your license number.

Until such validation is provided, you must : Cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency.

Notify all credit reporting agencies to which you have reported this account that it is disputed, as required by 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Be advised, the following may constitute violations if you fail to comply : Reporting or verifying inaccurate or unvalidated information to a credit reporting agency ( 15 U.S.C. 1681s-2 ( b ) ).

Failing to mark the account as disputed ( FDCPA 1692e ( 8 ) ).

Continuing collection without providing verification ( FDCPA 1692g ( b ) ).

If you can not produce the requested documents within 30 days, you must delete all references to this account from any credit reporting agencies and cease all collection activity.

Any further reporting of this unvalidated debt will be considered willful noncompliance and I will pursue all available remedies, including statutory damages, attorneys fees, and costs under 15 U.S.C. 1681n, 1681o, and 1692k.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Kriya Capital, LLC
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I dispute the validity of this alleged debt in its entirety and demand that you provide full validation as required by law, including but not limited to : 1. The original signed contract or agreement bearing my signature.

2. A complete itemized accounting of the alleged debt, including principal, interest, and fees.

3. The name and address of the original creditor and proof of your legal right to collect this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that you are licensed to collect in my state, including your license number.

Until such validation is provided, you must : Cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency.

Notify all credit reporting agencies to which you have reported this account that it is disputed, as required by 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Be advised, the following may constitute violations if you fail to comply : Reporting or verifying inaccurate or unvalidated information to a credit reporting agency ( 15 U.S.C. 1681s-2 ( b ) ).

Failing to mark the account as disputed ( FDCPA 1692e ( 8 ) ).

Continuing collection without providing verification ( FDCPA 1692g ( b ) ).

If you can not produce the requested documents within 30 days, you must delete all references to this account from any credit reporting agencies and cease all collection activity.

Any further reporting of this unvalidated debt will be considered willful noncompliance and I will pursue all available remedies, including statutory damages, attorneys fees, and costs under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I believed the Company Mosaic is committing fraud with their users. I requested a solar company freedom forever to install panels at my house in XXXX. I sign the contract and the next step was to get financing. I was directed to Mosaic XXXX XXXX XXXX  to request the loan. I decided that it was not the right fit and cancel the proposal. I received a confirmation letter from XXXX forever that it was cancel. Later I received emails saying that Mosaic went bankrupt which I did not care because I had no business with them. In XXXX they reported to the credit bureau a charge of XXXX, XXXX. It is impossible to call them, no one ever answers or you just have to leave a voice message. I sent multiple emails and disputed the charge on my credit. But they told the credit bureau that it is a legit charge and it is still in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners has reported a debt on my credit that has never been verified. They have not sent me any letters by mail or have left any voicemails describing the debt and/or the amount. They have not provided any debt validation and I do not believe that I owe on this debt because no actual proof and/or any validation of any kind has been sent to me. Know since they have reported this debt to my credit it, has affected me in a negative way. I would ask that debt validation will be provided, including the amount owed and the original contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NY

Complaint narrative:
It was brought to my attention that my information was leaked in several data breaches. This led to many accounts being opened fraudulently. The data leaks were from Equifax, XXXX and a XXXX breach. XXXX reported XXXX Transunion opened XX/XX/XXXX. Balance : {$2300.00} Last payment date : XXXX XXXX, i never paid anything revolving this account. At that time i didn't know about the existence of this account. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ) opened XX/XX/XXXX. Balance : {$1400.00}. Stemmed from a fraudulent XXXX XXXX XXXX account that was determined fraudulent but is still reported on my Experian. Neither of the companys included proper contact information to dispute these incorrect accounts which is against the FAIR CREDIT REPORTING 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 2025-09-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
It was brought to my attention that my information was leaked in several data breaches. This led to many accounts being opened fraudulently. The data leaks were from Equifax, XXXX and a XXXX breach. XXXX reported XXXX Transunion opened XX/XX/XXXX. Balance : {$2300.00} Last payment date : XXXX XXXX, i never paid anything revolving this account. At that time i didn't know about the existence of this account. XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ) opened XX/XX/XXXX. Balance : {$1400.00}. Stemmed from a fraudulent XXXX XXXX XXXX account that was determined fraudulent but is still reported on my Experian. Neither of the companys included proper contact information to dispute these incorrect accounts which is against the FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX Subject : Dispute of Inaccurate Bankruptcy Reporting on Equifax Credit Report XXXX XXXX  Account Dear CFPB, I am submitting this formal complaint and dispute regarding Equifaxs inaccurate reporting of my XXXX XXXX  XXXX  account. The account is currently being reported as associated with a bankruptcy in both the current payment status and worst payment status fields. This information is inaccurate, outdated, and misleading. 
The bankruptcy referenced in my credit file has been removed from my credit report The account is currently in good standing, and I am making regular, on-time payments. Therefore, it is incorrect and damaging for Equifax to continue listing bankruptcy in the Current Status and Worst Status sections of this tradeline. 

This misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain complete and accurate information. I have already attempted to resolve this issue directly with Equifax, but the inaccurate reporting remains. 
I respectfully request that the CFPB investigate this issue and require Equifax to : 1. Remove the bankruptcy notation from both the current payment status and worst payment status fields for the XXXX XXXX  account. 
2. Update the account status to reflect that the account is current and in good standing. 
3. Ensure all information reported on my credit file is accurate and does not misrepresent my financial history. 
This inaccurate reporting is negatively affecting my credit score and financial opportunities. I am requesting the CFPBs assistance in ensuring this matter is corrected as soon as possible. Please see attached documents. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On Thursday XXXX XXXX, I was contacted by XXXX XXXX claiming working for XXXX XXXX  Ext ( XXXX ), phone number ( XXXX ) XXXX.I was struggling finding some loans to pay my debts, so he promised me to borrow me {$3000.00}, then the letter of agreement was signed with all my personal and bank information. 
He sent the first time {$2000.00} to my bank account, then he told to go to XXXX and resent the fund, that way he will verify my eligibility to get the loan of {$3000.00}, and I did.The next, he was supposed to send me the loan but he said, the company needs to do the same process and sent me {$900.00} and go to XXXX and resend him again that money.I did. 
Then I was wondering why I didn't receive the {$3000.00} yet.I went to my bank ( XXXX XXXX  ), as he had all my information, that guy went through my checking account without my permission and did reversed all bills I payed with credit acceptance, XXXX XXXXXXXX XXXX XXXX and price ln * XXXX XXXX. 
In fact the money he was sending me ( {$2000.00} and {$900.00}, he took it from all the bills making payment online.So it looks like I made those reverse of money but I didn't.It was not me and I was a victim of fraud. 
Then he also made some fake checks on my account, signed by my name, unfortunately the bank did not deliver those checks after I have explained everything.

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 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
I was financing a vehicle and voluntarily gave the car back as I could no longer afford it. I havent had the vehicle in my possession in about 10 years. A company called Sprechmen and XXXX XXXX started garnishing my paychecks for the last 3 years ( {$250.00} a month ). They are having me pay the total loan that was remaining that was roughly {$16000.00}. I made multiple attempts to work a deal to pay XXXX of that which I was unsuccessful. It is my understanding the car was sold in an auction.

Company response to consumer: Closed with explanation