vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against XXXX & XXXX XXXX XXXX XXXX ( used car dealer ) and Credit Acceptance Corporation ( auto lender ). 

On XX/XX/year>, I was provided with an approval letter from the dealer, using Credit Acceptances branding and stating Youre Approved. However, the letter also stated that my approval was coming from XXXX & XXXX XXXX XXXX XXXX, not from Credit Acceptance Corporation. 

No Retail Installment Sales Contract ( RISC ) or TILA-compliant disclosures were provided at the time of this approval letter. The dealer presented this letter as if it were final loan approval, creating a false and deceptive impression of credit approval from a third-party lender. 

Additionally, the transaction included lumped fees without proper itemization, and the dealers actions appear designed to mislead consumers into signing agreements without full federal disclosures. 

Furthermore, this dealership and credit acceptance appears to be intentionally targeting low-income individuals with predatory lending tactics, exploiting vulnerable consumers through deceptive and unfair financing practices. This is a form of discriminatory lending that disproportionately harms economically disadvantaged populations.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion, Experian, and Equifax continue to report an account listed as XXXX XXXX XXXX & XXXX Account # : XXXX as a charge off. I requested their method of verification. I am unaware of the consumer agencies having access to my private financial records and I also called the creditor and gave the listed account number and they were unable to verify any account number with these numbers so how were the consumer agencies able to verify such information? Also there are several inconsistencies between the consumer agencies any they should match. Each consumer agency has failed to provide me with actual proof of such information.

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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving, installment, and collection account. The first account is a revolving opened at XXXX CARD on XX/XX/year> under the XXXX, the second account is an installment account opened at XXXX on XX/XX/year> under the XXXX, the last account is a collections account opened at XXXX XXXX on XX/XX/year> under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving, installment, and collection account. The first account is a revolving opened at XXXX CARD on XX/XX/year> under the XXXX, the second account is an installment account opened at XXXX on XX/XX/year> under the XXXX, the last account is a collections account opened at XXXX XXXX on XX/XX/year> under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am requesting that Transunion, Experian, and Equifax validate three accounts listed as charge offs. I have not received any proof that this is true. I previously sent several dispute letter la to all consumers agencies requesting how they were able to verify this information. Accounting to XXXXXXXX XXXX XXXX verification is attesting of certifying that it is true. 

Investigate these accounts : XXXX. ) XXXX XXXX XXXX Account # : XXXX XXXX. ) XXXX Account # : XXXX XXXX. ) XXXX XXXX - XXXX Account # 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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I didn't authorize this account to be open in my name. 
Fcra XXXX Please remove this account off my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 obtained my personal credit report to purchase a car and I was denied due to me having accounts on my personal credit report that doesnt belong to me. I have reached out to the credit bureaus and advised them of the accounts I didnt authorize and they are still being reported to my credit report. I am out of options and I need to obtain a car and I should not be liable for accounts I did not authorize on my credit report. Can you please help me? I have attached the accounts and account numbers of the items that do not belong to me. Please help.

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 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX in XX/XX/XXXX through Capital One XXXX XXXX. The car had a clean title, but I recently discovered it was a total loss in XXXX. 

XXXX Ones policy says they do not finance total-loss vehicles, yet they approved mine. The dealership never disclosed the damage, and I have the XXXX, full finance agreement, clean title, and vehicle history report to prove it. 

I am requesting loan cancellation or compensation for the vehicles loss in value due to Capital One violating their own policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: MI

Complaint narrative:
Dear. XXXX XXXX XXXX, Hope you are doing well! I was charged interest from XX/XX/XXXX to XX/XX/XXXX ( {$240.00} total ), but Discover never proactively alerted me about these charges or explained that minimum payments would void my grace period. 

Key issues : For 8 months, I had no idea interest was accruing because Discover : 1. Buried the terms in fine print ( no bold/color warnings ). 2. Sent no emails, S
MS, or pop-up notices about the growing interest.

3. This violates Regulation Z ( TILA ) which requires ongoing, clear disclosures of interest charges. 
Details : For the {$240.00} payment with the payment dates are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

And they said " Your interest and how it is accrued was listed on your cardmember agreement when opening the account and printed on every statement. ", but, based on " Regulation Z " : Credit card terms must be disclosed clearly and conspicuously, using plain language and prominent formatting ( e.g., bold text, headings ). I checked there is no relevant reminder. Please check the attachments. 
If there is anyting needed, please let me know! Thank you so much! 
Best, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Contacted Citi Bank about disputing lost card on XXXX XX/XX/XXXX about disputing XXXX transactions from XX/XX/XXXX XX/XX/XXXX from XXXX that were not effectuated and therefore considered unknown charges on card and therefore lost to cardholder and should not be responsible. Contacted XXXX  XXXX to report matter as well to the hacking and abuse that followed with card activity and effort that included the physical and cyber aspects of unlawful action on myself.

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 2025-06-21 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:
Transunion, Experian, and Equifax are reporting a delinquent account listed on my consumer report as XXXX XXXX XXXX  Account # XXXX. The account is reporting as charged off but it is updating monthly. This is a clear attempt for the consumer agencies to lower my credit utilization because updating this account means it manipulates the system to change the date of last activity which means it will report longer. This is a clear violation of my consumer rights. This account has also been disputed and I requested they provide me with validation that this information is correct and they did not comply to this request. How was the consumer agencies able to verify such information when its not even accurate. There are several inconsistencies from each consumer agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: WI

Complaint narrative:
I recently checked my credit report and saw so many inaccurate accounts that do not belong on my credit report

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 2025-06-21 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: KY

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Im reaching out because XXXX XXXX and XXXX are helping CAPITAL ONE AUTO FINANCE put incorrect information on my credit report- ( Charge Off of {$3700.00} ) The IRS considers a charge off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report isnt accurate. 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debit is incorrect. 
According to XXXX XXXX XXXX XXXX, CAPITAL ONE AUTO FINANCE, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im requesting that you delete this inaccurate information from my report right away. 
XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact inaccurate. 
In summary, Ive shown you that this information is wrong, and youve been notified. Keeping this inaccurate information on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please delete this incorrect information from my report immediately. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: COMMERCE BANK
State: WV

Complaint narrative:
Since I opened this card, they have decreased my credit limit twice. Both times this caused me to then be over the limit and get a negative report on my credit score. I would have not been over the limit either time had they not decreased says limit. The first time they did it, I was under the limit by {$1000.00}. After the decrease, I was over by {$100.00}. The time, just yesterday, they decreased my limit from {$2300.00} to {$1400.00}. Now I am over the limit by almost {$400.00}. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX  of XXXX  XXXX, 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX GA XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my utility bill, for your verification. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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