vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Made a double payment to credit card, when we noticed, about 1 hour later, called cc co they told us to call bank. Bank told us to call cc co, they than told us we had to wait until payment posted. 3 days later called, told 10-14 days to get payment refunded, called 3 weeks later, told they would again refund check, this time 5-7 days. Called 10 days later, now saying the refund was used to make payment for minimum payment not being met. I told them they can't use my money to make payments as they deem fit, and I was told 3xs I was getting my refund by the customer service reps, he than tells me he has to open a case, that could take several weeks to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Subject : Demand for Contract Rescission Due to Fraudulent Auto Loan Contract To Whom It May Concern, I am requesting immediate contract rescission of my auto loan financed through American Credit Acceptance, due to confirmed fraudulent actions by the originating dealership, XXXX XXXX XXXX, which has now been shut down by the State of Florida for fraudulent business practices. 

Basis for Contract Rescission : 1. The dealership falsified my down payment, inflating it from {$2000.00} to {$5000.00}, without my knowledge or consent.

2. A fraudulent {$3000.00} fee was added to the contract labeled as an oil change, which is unreasonable and fabricated.

3. The dealerships closure by the state demonstrates a pattern of misconduct affecting consumers, including myself.

4. The misrepresented financial information induced me into a contract I did not agree to, rendering the contract voidable.

Under consumer protection laws and contract fraud principles, I am formally demanding : Requested Outcome : Immediate rescission of the fraudulent contract Removal of all fraudulent charges Update of credit reporting to reflect a canceled/void contract No negative credit impacts Permission to retain the vehicle since the contract was invalid from inception due to dealer fraud I am submitting this letter as part of my CFPB complaint against American Credit Acceptance for enforcing a contract created through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: OH

Complaint narrative:
To be transparent this is my second complaint the first one was about how they have stolen my money and refuse to give it to me without providing ridiculous and personal documents that are not permitted by law for me to give them but that being said they email me today as opposed manager and gave me a link to upload the documents and I tried to upload them even though legally I'm not bound to do so. The link did not work and when you try to upload documents it did not work it's yet another tool they use to keep your money. 


I think I'm just going to contact the bank that they use to hold their money and get my money from that bank since they don't want to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: CO

Complaint narrative:
SoLo Funds is an application that allows people to lend money to other people, when creating a loan as a borrower you put in the amount you want. It also asks if youd like to donate to the lender, and at the end it shows a donation for SoLo funds itself that isnt adjustable or something you can decline while making the loan. They make seem as if it is a mandatory fee but it is not.

Its misleading and forces one who is already down on their luck to spend more money to help themselves out.

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

Complaint narrative:
I don't know this company I asked them to send a contract to me

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the alleged debt of {$370.00} being reported by Resurgent/LVNV Funding. 
I dispute this debt in full.

You are in violation of FDCPA 809 ( a ) for never sending me a written notice of debt, and FCRA 623 ( a ) ( 7 ) for failing to notify me before reporting negative information.

Additionally, the original creditor never informed me of any sale, assignment, or transfer of this alleged debt, violating FCRA 623 and FDCPA 807.

Provide full validation including : Original contract Itemized statements Proof of assignment Chain of custody Proof of legal right to collect Failure to validate requires immediate deletion.

Non-compliance will result in legal action and complaints to the CFPB, FTC, and Texas Attorney General. 

Sincerely, XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-11-15 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: FL

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 day. Thank you for your attention to this matter.

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 day. Thank you for your attention to this matter.

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF 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 non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had a CashApp account for years. My husband and I became leaders at a new church organization. I was told to open a CashApp for the church. To keep the accounts separate, I created another CashApp account with my name and XXXX name. I have read the terms of service and do not see any verbiage stating this is not allowed. I never tried to hide the accounts or be deceitful. When we have services, people used to CashApp to donate funds to our religious organization. we have an XXXX and tax exempt paperwork. Both CashApp accounts were closed an no information was given as to why, except that activity went against it terms of service. I tried to appeal the decision and was denied, twice. I still have no idea what the issue is. In no way did I purposely commit any offense. I would just like my personal account back. That's all I am requesting.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: 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: MS

Complaint narrative:
I am requesting an investigation into the reporting of the following auto loan account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX This account contains multiple violations of FCRA 602A, 607 ( b ), and 611, making the report inaccurate, incomplete, and unverifiable.

The inaccurate information includes, but is not limited to : 1. The account is being reported as both a charge-off and as having a past due balance.

A charged-off account can not continue to report past-due amounts.

2. The account shows Company Sold, but continues to update balance and past-due fields, which is inaccurate and misleading.

3. The past-due amount was updated in XX/XX/XXXX, over two years after the charge-off status date of XX/XX/XXXX, which is inconsistent and inaccurate.

4. The original balance, charged-off amount, and past-due amount are inconsistent and can not be verified.

5. Auto loans must be reported as repossessions when applicable, not as mixed status ( charged off with ongoing delinquencies ). 

Due to these errors, I am requesting the immediate deletion of this account from my credit report if the furnisher can not fully verify all details with proper documentation.

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  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 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 2025-11-14 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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