vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I signed a Retail Installment Sales Contract with XXXX of XXXX, funded through XXXX XXXX at XXXXXXXX XXXX  XXXX. I paid a {$1000.00} down payment that day but was not allowed to take the car home due to safety defects ( roof leaks, later ant infestation ). 
On XX/XX/year>, XXXX contacted me claiming they had found a better deal with Mountain America Credit Union ( XXXX ), but only if I paid an additional {$800.00}. On XX/XX/year>, I was coerced into paying the extra amount, and the financing was switched to XXXX at 10.99 % XXXX. My Experian credit report shows XXXX  inquiry had already been pulled on XX/XX/year>, proving this better deal was misrepresented after the fact. 

Despite {$1800.00} in down payments, the loan still began at {$21000.00}. After more than {$9300.00} in good faith, on-time payments, the balance has only decreased by {$3800.00} and remains {$17000.00}. My credit was also shotgun-pulled multiple times ( XXXX, XXXX, XXXX, XXXX ) without my consent. 

The vehicle itself was defective and unmerchantable from the start, spending over XXXX  months out of my possession in the XXXX  year. I have video evidence of XXXX managers admitting the car was never inspected before sale, lying about where my down payments went, and admitting its been a nightmare for you. 
This was a clear case of yo-yo financing, fraudulent inducement, misapplication of payments, and predatory loan structuring. Under the FTC Holder Rule, both XXXX XXXX and Mountain America Credit Union are liable for the dealers deceptive conduct. I request full rescission, refund of all payments, cancellation of the loan, and removal of all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX  XXXX United States XXXX  XXXX that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-09-10 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I am submitting this complaint because a debt collection law firm, XXXX XXXX XXXX, is attempting to collect on a debt allegedly owed to Prosper Loans, now held by Velocity Investments LLC. However, I do not owe this debt. It is not listed on any of my XXXX credit reports ( XXXX, XXXX, or XXXX  ), and I never received a proper written notification of this debt or an opportunity to dispute it. 

At the time this alleged debt was being pursued, I was experiencing homelessness and unemployment in Georgia, and I later relocated to XXXX in order to find stable housing and employment. I am a single XXXX mother and a full-time student with no disposable income to cover a debt that I have never been properly notified about and which is not verified in any formal credit reporting documentation. 

In fact, I only became aware of this matter recently when I received a notice about a garnishment judgment being pursued against me in a XXXX  court. I immediately pulled all three of my credit reports, and this debt does not appear on any of them. I also never received any formal letter explaining my right to dispute the validity of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Upon further research, I discovered that the plaintiff, Velocity Investments LLC, is attempting to garnish my wages for a loan I did not agree to and was not informed about. The firm XXXX XXXX XXXX has continued to pursue this matter through the courts despite a lack of verification and proper notification. 

I recently filed a Motion to Vacate the Default XXXX in XXXX, including my current address and supporting evidence that this debt is not valid. I also submitted copies of all three credit reports and documented my student status and financial hardship. 

This situation is extremely distressing. I am doing my best to rebuild my life and credit, and to care for my child while pursuing higher education. The collection efforts are not only inaccurate but predatory, especially considering that this debt can not be validated and was pursued during a time of extreme personal hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a capital one XXXX XXXX. on XX/XX/XXXX a fraudulent charge was placed on our account for {$65.00} from XXXXXXXX XXXX XXXX XXXX I was not at that country club at the time they did not have authorization to use my card for any reason I was told by my credit card company maybe you forgot made that charge. I live XXXX miles away from this place of business and I was not there the day this charge was made. I have the card in my possession so I know that no one has used it with a Authorization my credit card company capital one is not doing anything to help me resolve this. I have told them I did not make discharge. I also spoke to a XXXX who actually verified the time that the transaction was made, and it coincides with the time that we were here in XXXX XXXX  at the exact same time, I was told that because there is a chip imbedded in the card theres no way that someone else could use my card. In fact that is not correct ; people are cloning and creating duplicate cards. I requested that the {$65.00} be reversed, but they are refusing to help me, I absolutely did not make this charge. Ive been a loyal customer of this company for XXXX  years at least and Im very disappointed and feel like they are enabling fraudsters to do this and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I got insoles from XXXX XXXX XXXX that were expensive and have been painful for me. I've tried to refund with them and they refuse. 

I paid through Care Credit and filed a claim with them to refund the charge and they denied it. 

I've heard that in XXXX, if something is non-refundable, they are supposed to have signage that says something along the lines of all sales final, and I didn't see any signs like that there. Businesses must uphold their sales promises under state consumer protection laws. 

It's very frustrating that they're trying to get me to try various insoles that are painful for me instead of giving my money back. I've gone into XXXX XXXX XXXX XXXX in XXXX multiple times explaining the pain, and they just want me to try different ones and not give a refund. 

I've heard that this is a trend with XXXX XXXX XXXX so there may be some current ongoing suits.

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 2025-09-10 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: AL

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my 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 non-monetary relief
Consumer complaint received 2025-09-10 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-10 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:
Account : XXXX XXXX Identified Irregularities Inconsistent Date Opened : Experian : XX/XX/year>. 

XXXX  : XX/XX/year>. 

Same account can not legally have two different opening dates.

Contradictory Account Status : Experian : Closed.

XXXX  : Open. 

This is a direct contradiction the account can not be simultaneously open and closed.

Conflicting Last Activity Dates : Experian : XX/XX/year>. 

XXXX  : XX/XX/year>. 

Bureaus are reporting different activity dates for the same alleged account.

Different Last Reported Dates : Experian : XX/XX/year>. 

XXXX  : XX/XX/year>. 

These discrepancies highlight unreliable and unverifiable reporting.

Absence of Original Creditor Information : No bureau identifies the original creditor. Reporting an account without providing the original creditor is a clear violation of FCRA accuracy requirements.

Balance vs. Reporting Conflict : Reported balance : {$540.00}.

No proof of contractual agreement, loan documents, or signed responsibility exists. Reporting a balance without legal validation is inaccurate.

Legal Violations FCRA Fair Credit Reporting Act ( 15 USC 1681 ) 602 ( A ) : Failure to ensure fair and accurate reporting.

607 ( B ) : No reasonable procedures to assure maximum possible accuracy.

611 ( A ) : Failure to properly reinvestigate and correct disputed information.

623 ( A ) ( 1 ) ( A ) : Furnishing information known or that should be known as inaccurate.

623 ( A ) ( 3 ) : Failure to provide complete and accurate data ( missing original creditor ).

FDCPA Fair Debt Collection Practices Act ( 15 USC 1692 ) 1692e ( 2 ) ( A ) : False representation of character, amount, or legal status of debt.

1692e ( 8 ) : Reporting credit information known or which should be known to be false.

GLBA Gramm-Leach-Bliley Act ( 15 USC 68016809 ) Failure to safeguard accuracy and integrity of consumer financial 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased XXXX XXXX XXXX services from XXXX and financed the {$1200.00} balance through Healthcare Finance Direct. At the time of signing, XXXX clearly told me the financing would be at 0 % interest. I had previously been denied for other financing offers because I did not qualify for 0 % interest, so I only agreed to proceed based on this promise. 
I later discovered that interest had been accruing monthly from the beginning of the contract, which I did not realize until nearly a year later. Since XX/XX/XXXX, I have contacted both XXXX and Healthcare Finance Direct multiple times to resolve this matter. XXXX has told me they have no department to address it, while Healthcare Finance Direct has refused to adjust the account, stating that too much time has passed. 
As of XX/XX/XXXX, I have already paid over {$2100.00} on a {$1200.00} balance due to these undisclosed interest charges, and the account balance continues to reflect additional amounts. Both XXXX and Healthcare Finance Direct have refused to provide written confirmation of their denial of my requests, leaving me without documentation and preventing me from resolving this issue directly. 
This is a clear case of misrepresentation at the point of sale. I was promised 0 % interest but have instead been charged ongoing interest that was never disclosed at the time of signing. I am requesting that the account be corrected to reflect the 0 % interest terms that were represented to me or, at a minimum, that the excess interest charges already paid be removed or refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-10 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$200000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-09-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief