vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Allied Union Group Inc
State: AR

Complaint narrative:
My vehicle was repossessed on XX/XX/year>, XXXX days after I was told via email that a XXXX warning letter would be mailed. I was still in active communication with my account manager and had shared documentation of recent employment after a period of job loss. The repossession happened while the account was still under review by the finance company, which I confirmed via text that same day. 

Additionally, the down payment I made was added to the loan principal rather than reducing the amount financed, which resulted in excessive interest charges. This appears to be deceptive accounting and an abuse of lending practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Today, XX/XX/XXXX, I received a letter from Synchrony Bank that was dated XX/XX/XXXX and stated that my PayPal Mastercard account was closed. They stated that the reason for their decision was " The number of dishonored payments on this account '', and that the balance on the account remains due. 

I logged in to my PayPal account online, and saw that {$430.00} was due, and {$750.00} was in my Cash back balance. I attempted to redeem the cash back balance, but could not and was instructed to call a number. I called the number, and it stated it was customer service for PayPal cashback mastercard. An automated message stated that they had closed my account, and that if it has been more than 10 days, I should have received a letter. After finding a live agent, they told me that the account was closed, that all cash back rewards were forfeited, could not be applied to my balance, and i was still responsible for paying the balance on my card. 

The agent said that the account was closed because XXXX bank payments failed : one payment in XX/XX/XXXX failed because the bank account had been closed, and another payment recently in XXXX failed because of insufficient funds. The agent said that these are in the terms and conditions. 

I called a more general PayPal number so as to not speak with Synchrony Bank agents, and the PayPal agent said that they said that they can not see details of my credit card rewards and can not assist. 

I called the number for PayPal cashback mastercard again and asked to escalate the issue to a supervisor. The agent spoke to their supervisor, who repeated that the account was closed and all rewards were forfeited.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I took out installment loans on Jewelry ; In the year 's XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX 

And they vanished from my Credit Report not too long ago. 

I've made about XXXX in Jewlery purchase 's installment loan 's and seem to be loosing account of the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I took out installment loans on Jewelry ; In the year 's XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX 

And they vanished from my Credit Report not too long ago. 

I've made about XXXX in Jewlery purchase 's installment loan 's and seem to be loosing account of the whole situation.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I took out installment loans on Jewelry ; In the year 's XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX Washington XXXX 

And they vanished from my Credit Report not too long ago. 

I've made about XXXX in XXXX purchase 's installment loan 's and seem to be loosing account of the whole situation.

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 2025-07-21 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: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX  am the victim of identity theft. Multiple fraudulent accounts, inquiries, and personal information were added to my credit report without my knowledge, consent, or authorization. I have never received any goods, services, or benefit from these accounts. 

I submitted a notarized affidavit, a formal dispute letter, and a legally sufficient identity theft statement to the credit reporting agencies in accordance with 15 U.S.C. 1681c-2, 1681g ( e ), and other relevant laws. Despite this, the credit bureaus have failed to block and delete the fraudulent data within the required time frame.

These actions are a violation of my rights under the Fair Credit Reporting Act : 1681c-2 : Failure to block identity theft information
within 4 business days 1681e ( b ) : Failure to ensure maximum possible accuracy 1681s-2 ( a ) ( 6 ) : Furnishers continuing to report after receiving identity theft notice Gramm-Leach-Bliley Act 6802 : Improper sharing of my personal 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 2025-07-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX  am the victim of identity theft. Multiple fraudulent accounts, inquiries, and personal information were added to my credit report without my knowledge, consent, or authorization. I have never received any goods, services, or benefit from these accounts. 

I submitted a notarized affidavit, a formal dispute letter, and a legally sufficient identity theft statement to the credit reporting agencies in accordance with 15 U.S.C. 1681c-2, 1681g ( e ), and other relevant laws. Despite this, the credit bureaus have failed to block and delete the fraudulent data within the required time frame.

These actions are a violation of my rights under the Fair Credit Reporting Act : 1681c-2 : Failure to block identity theft information
within 4 business days 1681e ( b ) : Failure to ensure maximum possible accuracy 1681s-2 ( a ) ( 6 ) : Furnishers continuing to report after receiving identity theft notice Gramm-Leach-Bliley Act 6802 : Improper sharing of my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a formal dispute to Experian regarding a XXXX late mark reported by XXXX XXXX XXXX XXXX XXXX At the time of the reported delinquency, I was actively enrolled in a hardship payment plan that began on XX/XX/year>. This plan was confirmed on a recorded call by an XXXX representative named XXXX on XX/XX/year>. 

Despite providing proof and confirmation of the plan, Experian verified the XXXX delinquency as accurate. After denying my dispute, XXXX then claimed I needed to pay a {$65.00} activation fee for the plan to be valid a fee that was never disclosed in writing and is not reflected anywhere in the payment schedule I received. This excuse was made after the negative mark was already reported and the plan had been confirmed. 

This is a violation of the Fair Credit Reporting Act. I have submitted multiple disputes, provided valid documentation, and have a pending CFPB complaint ( # XXXX ) regarding this same issue. I have been making every effort in good faith to resolve the situation, but I am being penalized and ignored.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against XXXX and XXXX XXXX  regarding an auto loan account I maintained for approximately XXXX years. Toward the end of my loan term, I experienced financial hardship due to a job loss. Despite my history of making payments over the years, XXXX repossessed the vehicle without providing me a fair opportunity to bring the account current or negotiate a resolution. 

After repossession, the account was transferred to XXXX XXXX for collection. I have repeatedly contacted XXXX XXXX to discuss a reasonable settlement offer, but they have not provided any options for resolution. Instead, they continue to report a high balance on my credit report, now appearing as approximately {$26000.00}, which is grossly inaccurate and damaging my creditworthiness. 

Additionally, both XXXX and XXXX XXXX are reporting this debt simultaneously, creating confusion and further harming my credit profile. I believe this may constitute inaccurate, duplicative reporting and a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB investigate this matter and help facilitate : A fair settlement offer so that I can resolve this debt, A correction of the inaccurate reporting on my credit report, Clarification of why this balance appears so inflated, Removal of any duplicative or incorrect entries. 

I am a consumer who made good faith efforts to honor my obligation and I am now being unfairly penalized, which is preventing me from rebuilding my financial standing.

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 2025-07-21 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: EQUIFAX, INC.
State: HI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$44000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-21 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: KS

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have never received full validation of this debt, and it appears another agency has also reported the same XXXX account to XXXX, which raises serious concerns about accuracy and duplication. 

Because this account is outdated, resolved, and has not been properly validated, Im asking that it be completely deleted from my Equifax report not just updated. If it cant be XXXX XXXX verified with complete documentation, it should be removed under the Fair Credit Reporting Act. 

Please investigate this and confirm deletion. Account : # XXXX Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : 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