vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
company has repeatedly given me different settlement amounts every week. Each time I request written confirmation, the representative provides a new number that contradicts the previous one. I have written emails from the company showing drastically different settlement offers, including XXXX representative saying a previous offer was an error, then later offering an even lower amount. This pattern of inconsistent and constantly changing information is misleading and appears to violate the Fair Debt Collection Practices Act ( FDCPA ). I have attempted to resolve this with the representative multiple times, but he continues to change the settlement terms and refuses to provide XXXX accurate, consistent offer. I am filing this complaint because the companys behavior feels deceptive, confusing, and intentionally misleading, and I want accurate and honest communication moving forward. 
This situation has caused me significant emotional stress as I have tried multiple times to resolve the issue directly with the company, but they continue to change the terms and refuse to provide a consistent, accurate settlement amount. Due to the ongoing stress and misleading conduct, I am considering pursuing legal action if this behavior is not corrected. I am filing this complaint so the company can be held accountable and provide clear, honest communication going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: KY

Complaint narrative:
This complaint concerns an account originally held by XXXX XXXX XXXX ( Account # XXXX ), with an original balance of {$1400.00}, which was later sold or transferred to Grant Mercantile Agency, who is now reporting a different balance of {$1500.00}. I was never informed by the original creditor that the debt was being sold, transferred, or assigned, nor did I give consent for my personal information to be shared with Grant Mercantile or any third party.

This account was charged off/ written off, and yet it was subsequently sold without disclosure or authorization. This raises concerns regarding the legal handling of the account and whether the transfer complies with federal consumer protection laws. Additionally, the balance being reported by the debt buyer is different from the original balance, which appears to constitute a false, inconsistent, or misleading representation of the amount and legal status of the debt in violation of : 15 U.S.C. 1692e ( 2 ) False representation of the amount or legal status of the debt 15 U.S.C. 1692e ( 8 ) Communicating credit information known or should be known to be inaccurate Grant Mercantile Agency has also failed to provide proper validation or documentation for the increased balance and continues to report multiple discrepancies, including status, balance, and dates. These inconsistencies have caused inaccurate and harmful reporting on my credit profiles.

I have disputed this account with the credit bureaus, but they have continued to report the inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus have a legal obligation to report complete and accurate information and to conduct a reasonable investigation whenever a consumer disputes an item. Their refusal to correct the errors appears to violate : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers must correct and update information 15 U.S.C. 1681i ( a ) Credit bureaus must conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Credit bureaus must maintain reasonable procedures to assure maximum possible accuracy The inconsistent amounts ( {$1400.00} vs. {$1500.00} ), the sale without my knowledge, and the continued reporting of inaccurate information have caused significant harm to my ability to obtain credit, loans, housing, and other financial opportunities. Given that the debt was previously charged off, the reporting is misleading, confusing, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am a confirmed victim of XXXX XXXX including a SIM-swap attack on XX/XX/2025 ( XXXX XXXX XXXX ID XXXX XXXX. The attackers accessed multiple financial accounts, including XXXX XXXX, XXXX Dot XXXX XXXX, XXXX XXXX XXXX XXXX and several credit cards. My Bank XXXX XXXX account was closed during fraud mitigation, and my long-standing XXXX email account was permanently shut down by XXXX due XXXX the hack. 
I was always on XXXX with XXXX XXXX and had never missed a payment. Because of the identity-theft incident, my bank account was replaced, my email was shut down, and the temporary phone number on file with XXXX XXXX was no longer accessible to me. As a result, I did not receive any notice that XXXX had failed or that a payment was due. My XX/XX/2025 statement showed a {$0.00} balance and {$0.00} payment due. 
The first time I learned anything was wrong was when I saw a late payment appear on my credit report in early XXXX. I immediately contacted XXXX XXXX. During the recorded call, they verified my identity, but they did not update my phone number and were unable to process my paymenttheir system rejected both debit-card attempts. I was told I had to mail a payment, and no assistance was offered. I mailed a payment along with documentation. 
The late payment being reported to the credit bureaus was caused entirely by identity theft and the disruption of my accounts during the incident. I received no notice from XXXX XXXX about the failed XXXX or any delinquency because my contact information was compromised and never updated. 
I am requesting that XXXX XXXX correct my account, remove the reporting of this late payment, and update my phone number and contact information properly. I am also requesting that the credit bureaus remove this inaccurate derogatory item. 
I have attached : Bank XXXX XXXX account-closure documentation XXXX account-shutdown XXXX GoBank fraud documentation FTC Identify Theft Report ( Report # XXXX ) FBI XXXX Report XX/XX/2025 Credit XXXX statement showing {$0.00} due Screenshots from my Credit XXXX account My detailed dispute letter sent to Credit XXXX Identification 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 explanation
Consumer complaint received 2025-11-14 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: MN

Complaint narrative:
I filed a complaint with the CFPB regarding my student loans back in XXXX and my Loan Provider Mohela has not responded. It shouldn't take over XXXX months to respond. I would like answers. Why aren't they applying my payments to the principal balance of the loan? This is ridiculous. My loan should be around $ XXXX now after making payments for all of these years, but instead the balance continues to GROW. How is that even possible? How is this legal? No one told me that it would literally be impossible to pay off these student loans. I am just a Legal assistant. I do not make anywhere near XXXX figures and likely never will. Why are they charging me so much compound interest with no end in sight? Why are they allowed to do this? The stress of this amount of XXXX is absolutely suffocating. 

My XXXX loans started with XXXX XXXX and were later Transferred to Mohela. In 2014 a loan in the amount of {$64000.00} was disbursed from XXXX XXXX. I have made payments totaling {$20000.00}. As of today, my loan now at {$79000.00}. They have applied a total of {$440.00} to the Principal Balance in 11 years.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank charge me the annual credit card fee which is not fully stated in the card application process. I noticed that unauthorized charge and ask for close the card and fee refund immediately. The bank recieved that request when the charge is made, and said they will take care of the refund. But after 7 months, the bank didn't refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I submitted a debt validation letter to Credence on XX/XX/year> about a debt they allege I owe. I sent the letter certified mail with return receipt which I have copies of. The removes the collections from all 3 credit bureaus initially. In XXXX they started reporting on my XXXX report again. They never provided me with anything. I am asking you to please step in and make them follow the law. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent my police report, FTC report, My license to Experian.

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 2025-11-14 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On Social Security XXXX live in XXXX, Arizona XXXX at the present time. Please do not contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I got a text from Debt collector called Credence Resource Management, that I owe XXXX to XXXX which is absolutely false, I called them created a dispute, despite that fact they listed on my credit and my credit score went down which is really bad. I called them they were not able to help me out, XXXX said ohh we understand the situation but its already with the collection agency so we can not do anything. Both these agency needs to be held accountable for all my losses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$19000.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XX/XX/year> I sent a debt Validation letter to Portfolio Recovery Associates , LLC a certified Mail letter with return receipt. On XX/XX/year> the letter was signed for and delivered to an associate for Portfolio Recovery Associates , LLC. On XX/XX/year> Portfolio Recovery Associates filed a lawsuit against me. As of XX/XX/year> I have not received validation of the debt therefore they are in violation of the Fair Debt Collection Practices Act for failure to provide Debt Validation and ceasing all collection activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: VA

Complaint narrative:
This complaint is being filed against XXXX XXXX and the involved credit bureau for the ongoing reporting of an auto account that is inaccurate, unverified, and not legally attributable to me. 

I have never had an account with XXXX XXXX. My original signed application and retail installment contract clearly show XXXX XXXX as the creditor. XXXX XXXX does not appear anywhere on the contract, and no chain of title, assignment, bill of sale, or transfer documentation has been provided. 

The credit bureau has repeatedly verified this account despite multiple disputes and despite being provided with the original contract proving XXXX XXXX is not the creditor. This suggests the bureau is relying on automated systems such as EOSCAR or XXXX instead of conducting a legally required reasonable investigation under FCRA 1681i.

Violations include : Reporting information known to be inaccurate FCRA 1681s-2 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation FCRA 1681i Failure to maintain maximum possible accuracy FCRA 1681e ( b ) Furnishing unverifiable information FCRA 1681s-2 ( b ) I am requesting CFPB intervention to : 1. Order the immediate deletion of the XXXX XXXX account from all consumer reports 2. Address the bureaus failure to conduct a lawful investigation XXXX XXXX XXXX XXXX role in furnishing inaccurate information The continued reporting of this false account is causing harm to my credit, financial opportunities, and overall consumer rights.

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 2025-11-15 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: SC

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : 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 2025-11-15 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: SC

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a XXXX vehicle and financed it through Ally Financial. When I asked Ally to add XXXX insurance, they told me that it must be obtained through the dealership. However, XXXX unlike other auto sellers does not offer XXXX insurance at all and stated that they have no option for it in their sales documents. 

As a result, customers who finance XXXX through Ally are left with no available way to obtain XXXX coverage at the time of purchase. This creates an unfair and risky situation for consumers who finance expensive electric vehicles that depreciate rapidly. 

XXXX has dramatically reduced vehicle prices in the last XXXX years, which has caused their cars market values to drop much faster than the remaining loan balances. Many customers have become severely upside down on their loans. I personally know a XXXX owner who was in an accident, and because XXXX never offered XXXX and Ally refused to sell it afterward, his car was totaled and he now owes approximately {$15000.00} {$16000.00} out of pocket to the lender. 

While I am not currently experiencing a loss, I am deeply concerned that this sales structure is unfair, misleading, and harmful to consumers. Most car dealerships clearly offer XXXX protection or allow buyers to add it later through the lender, but XXXX system blocks that completely, leaving buyers financially exposed. 

I am requesting that regulators review this practice and require XXXX ( and any partnering lenders like Ally ) to provide a fair opportunity for customers to purchase XXXX insurance, either during or after the sale, so consumers are not left unprotected. 


Thank you for your time and attention to this matter. 



Name : XXXX XXXX Location : XXXX, Florida Vehicle : XXXX XXXX XXXX XXXX VIN : XXXX Financed through : Ally Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
NATIONAL CREDIT ADJUST Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation