vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Credit Karma, LLC
State: MI

Complaint narrative:
I have credit karma and I tried to refinance my car after they kept telling me over and over and over that they found me a lender that would cut my interest by 5 %. So I applied and during the application process I had to take pictures of multiple things. It took me about a day to get all that stuff. They didn't tell me before I applied that I need to gather all this information so when I would go back to submit information it would cancel my application. So every time I reapplied it hit my credit score again. And then I have these inquiries on my credit report from lenders that were not the lender that that credit karma told me about ( Autopay ) nor the lenders that I applied for refinance loan with. Now they want to tell me that they can refinance me if I had to put so much money down. I have three hard inquiries on my credit report because of this and because of them not properly explaining what you need before you apply. Credit karma just pushes and pushes and pushes for you to apply to these lenders that they don't actually know is going to approve you nor are they actually giving you the rate that they told you up front. Instead, I get multiple hard inquiries on my credit report and I get a a offer that is absolutely ridiculous and way worse than what I have now and it does not even compare to what they showed me on credit karma. How much I'd be saving? It is false advertising and in return I have three hard inquiries on my credit report now and no refinance loan.

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: AC AutoPay LLC, Denver, CO Branch
State: MI

Complaint narrative:
I have XXXX XXXX  and I tried to refinance my car after they kept telling me over and over and over that they found me a lender that would cut my interest by 5 %. So I applied and during the application process I had to take pictures of multiple things. It took me about a day to get all that stuff. They didn't tell me before I applied that I need to gather all this information so when I would go back to submit information it would cancel my application. So every time I reapplied it hit my credit score again. And then I have these inquiries on my credit report from lenders that were not the lender that that XXXX XXXX told me about ( Autopay ) nor the lenders that I applied for refinance loan with. Now they want to tell me that they can refinance me if I had to put so much money down. I have three hard inquiries on my credit report because of this and because of them not properly explaining what you need before you apply. XXXX XXXX just pushes and pushes and pushes for you to apply to these lenders that they don't actually know is going to approve you nor are they actually giving you the rate that they told you up front. Instead, I get multiple hard inquiries on my credit report and I get a a offer that is absolutely ridiculous and way worse than what I have now and it does not even compare to what they showed me on XXXX XXXX. How much I'd be saving? It is false advertising and in return I have XXXX hard inquiries on my credit report now and no refinance loan.

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 — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> at XXXX I was discharged from the hospital from XXXX  XXXX XXXX XXXX XXXX XXXX I had my driver go through the Wells Fargo XXXX branch at XXXX XXXX XXXX XXXX XXXX XXXX thru to deposit a check made out to myself from XXXX XXXX XXXX for XXXX, I providedmy bank debit card, verified name ans account I wanted deposit made to. The teller was XXXX. Upon arriving home, I discovered she put the deposit into someone else 's account. I contacted the XXXX, XXXX XXXX immediately and she acknowledged the teller error. I requested the funds be returned to my account, and she said there is nothing she can do as it needs to be " investigated ''. It was their tellers ' error, and here we are at XX/XX/XXXX with no resolve. I am out XXXX and Wells Fargo will not return my money! I have contacted them XXXX, no resolve. Complaint # XXXX and 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 monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
LightStream by Truist denied my credit application citing : Serious delinquency Number of accounts with delinquency Too few accounts currently paid as agreed Time since delinquency is too recent or unknown This denial is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., because the reasons provided are vague, lack specific account details, and may be based on inaccurate, outdated, or unverifiable information. Under 15 U.S.C. 1681e ( b ) and 1681m ( a ), creditors must ensure decisions are based on accurate and complete credit data, and must provide specific disclosures of the information used. Relying on generalized or obsolete negative information to deny credit is unlawful and constitutes a breach of federal consumer protection laws.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute # XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for Abound XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX  ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
I reached out to Credit Management Company to pay off XXXX medical debts that theyve put on my account XXXX  times prior that I was able to dispute. After payment, I was informed that I would receive a payment confirmation email from them within XXXX days. I called on Monday XXXX to resolve this issue, and called again today XX/XX/year> to receive the confirmation. 

In return, they sold my email and signed up for numerous accounts with said email. 

This is 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just reviewed my credit report and noticed XXXX unfamiliar accounts. I need for them to be deleted. I have included the Ftc report, Social security card and drivers license.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I just reviewed my credit report and noticed XXXX unfamiliar accounts. I need for them to be deleted. I have included the Ftc report, Social security card and drivers license.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Could you take a look at this delayed entry? It may be incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened a {$1500.00} promotional loan on XX/XX/XXXX with an 18-month interest-free period ending XX/XX/XXXXXXXX  Despite making consistent, on-time payments above the minimum, I was charged {$780.00} in interest after the promotion expired. 

CareCredit failed to provide the required 45-day written notice before ending the promotional terms, as mandated by 12 CFR 1026.9 ( c ) under the Truth in Lending Act ( TILA ) and Regulation Z. They also did not provide clear disclosure about the specific payment amounts needed to avoid interest, violating Florida Statute 501.975 which requires clear and conspicuous disclosure of credit terms. 

Additionally, the company stated there is no notice given for the 30-day grace period after expiration, which conflicts with CFPB guidance ensuring consumers receive adequate notice of changes affecting interest accrual.

Due to these violations of federal and state consumer protection laws, and my responsible payment history, I am requesting an abatement of the interest charges. The unexpected fees also exacerbate financial hardship related to medical expenses for my mother, who has XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries 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 2025-08-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXXI am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report (FTC REPORT NUMBER: XXXX) as evidence of my claim.\nPursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four (4) business days.\n\n\nThe following information on my credit report is the result of identity theft and must be frozen:XXXX XXXX XXXXPursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.\nI have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.\nI have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately."

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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing in response to your [ letter/phone call ] dated [ date ] regarding the debt you allege I owe. This letter is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor. 

The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 

A copy of the original signed agreement or contract that shows I agreed to assume this debt. 

Proof that you are licensed to collect debts in my state. 

A complete payment history, showing how the alleged amount was calculated. 

Until you provide the requested documentation, and while this debt is in dispute, you must cease all collection activities, including reporting to any credit reporting agencies. 

If you have already reported this debt to the credit bureaus, please inform them that it is in dispute in accordance with the FDCPA. 

This request is not an acknowledgment that I owe this debt, and it is not a refusal to pay. I am simply exercising my rights under federal law to have the debt validated. 

Please respond within 30 days of receipt of this letter.

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: Experian Information Solutions Inc.
State: GA

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