vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Possible Financial Inc
State: PR

Complaint narrative:
The following account : POSSIBLEFINA ( Unsecured loan ) opened an account on XX/XX/XXXX, without my authorization. I have called and disputed them, and they have not resolved the issue. They are charging me {$560.00}, which right now says it has an outstanding balance of {$680.00}. That account does not belong to me. Additionally, the account was closed according to my credit on XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Credit Acceptance for unfair and illegal auto loan practices.

Credit Acceptance repossessed my car illegally while I was in the hospital, on my death bed, dealing with serious XXXX XXXX. I was medically incapacitated at the time and unable to communicate or resolve the account, yet the company moved forward with repossession without proper cause or consideration of my condition. 

This repossession was carried out unfairly and has caused severe damage to my credit, my financial stability, and my familys well-being. Their actions violated my consumer rights, and I believe they engaged in abusive and unlawful repossession practices. 

I am requesting that the CFPB investigate XXXX XXXX repossession practices, hold them accountable for their actions, and require them to correct or remove the wrongful repossession from 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 2025-08-28 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXX/XX/XXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: OR

Complaint narrative:
I am disputing several incorrect late payments that appear on my credit report for my XXXXXXXX XXXX account # XXXX * * ( ending in XXXX ) * *. 

This is a conventional real estate mortgage account that I opened on XX/XX/XXXX. My monthly payment is {$2400.00}, and the current balance is about {$350000.00}. 

All three credit bureaus ( XXXX XXXX and TransUnion ) are showing late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are inaccurate because I have never missed or been late on any payment for this account. I have consistently paid on time, and these false late marks are damaging my credit 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 2025-08-29 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: OR

Complaint narrative:
I am disputing several incorrect late payments that appear on my credit report for my XXXXXXXX XXXX account # XXXX * * ( ending in XXXX ) * *. 

This is a conventional real estate mortgage account that I opened on XX/XX/XXXX. My monthly payment is {$2400.00}, and the current balance is about {$350000.00}. 

All three credit bureaus XXXX XXXX, Equifax, and XXXX  ) are showing late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are inaccurate because I have never missed or been late on any payment for this account. I have consistently paid on time, and these false late marks are damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IN

Complaint narrative:
For several years now I have loaded money on cash app to pay for legal online gaming on my cell phone now all the sudden cash app has closed my account saying that I'm not allowed to use my money for that and I don't understand it because online gaming is allowed in my state as long as you're over the age of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 recently reviewed a copy of my current credit report and noticed that i have fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Pursuant to 15 U.S.C. 1681s-2 ( b ), 1681c-2, and 605B of the FCRA From : XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Blocking Demand Account Number in Dispute : XXXX Notice of Identity Theft This letter serves as my formal request, pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), to block all fraudulent information relating to the above-referenced account.

I do not recognize or authorize the purported late payment dates being reported.

This constitutes Identity Theft under the FCRA.

The furnisher has failed to provide a verified contract with my wet-ink signature or lawful proof of liability.

Legal Obligations Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate information.

Under 15 U.S.C. 1681c-2, the credit bureaus are required to block and remove fraudulent information within 4 business days upon receipt of this identity theft report.

Continued reporting after notice constitutes willful non-compliance, subjecting bureaus and furnishers to liability under 15 U.S.C. 1681n/o.

Notice and Demand I demand : Immediate blocking and deletion of all fraudulent late payment entries on Account Number : XXXX. 

Written confirmation that these items have been permanently removed and will not be reinserted. 

Notice to all furnishers that fraudulent information relating to this account is prohibited from future reporting. 

Enclosures FTC Identity Theft Report ( filed on XX/XX/XXXX ) Copy of my government identification Copies of billing error disputes and XXXX XXXX Mail receipts Sincerely, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
Pursuant to 15 U.S.C. 1681s-2 ( b ), 1681c-2, and 605B of the FCRA From : XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Blocking Demand Account Number in Dispute : XXXX Notice of Identity Theft This letter serves as my formal request, pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), to block all fraudulent information relating to the above-referenced account.

I do not recognize or authorize the purported late payment dates being reported.

This constitutes Identity Theft under the FCRA.

The furnisher has failed to provide a verified contract with my wet-ink signature or lawful proof of liability.

Legal Obligations Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate information.

Under 15 U.S.C. 1681c-2, the credit bureaus are required to block and remove fraudulent information within 4 business days upon receipt of this identity theft report.

Continued reporting after notice constitutes willful non-compliance, subjecting bureaus and furnishers to liability under 15 U.S.C. 1681n/o.

Notice and Demand I demand : Immediate blocking and deletion of all fraudulent late payment entries on Account Number : XXXX. 

Written confirmation that these items have been permanently removed and will not be reinserted. 

Notice to all furnishers that fraudulent information relating to this account is prohibited from future reporting. 

Enclosures FTC Identity Theft Report ( filed on XX/XX/XXXX ) Copy of my government identification Copies of billing error disputes and XXXX XXXX Mail receipts Sincerely, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: SC

Complaint narrative:
Kikoff Amount : XXXX Opened XX/XX/year> I have no idea what this is or recollection of opening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
An application for a XXXXXXXX XXXX XXXX  was submitted to XXXX  XXXX XXXX  on XX/XX/25 using my name and SSN. A hard inquiry appeared on my credit history via Experian credit monitoring which alerted me. I called Experian then XXXX XXXX to dispute. XXXX XXXX said the card was applied for and to be mailed to a business at XXXX XXXX XXXX XXXX, XXXX CO. I have never been to this location ( or Colorado state aside from plane changes in the airport ) nor have any association to this business which shows as a Colorado XXXX XXXX location on XXXX maps and as a XXXX services provider on the Experian report. 

XXXX XXXX XXXX has placed a fraud alert and I have frozen my credit file at all three credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am filing this supplemental complaint against Goldman Sachs Bank USA for knowingly violating the Fair Credit Reporting Act ( FCRA ) by reinserting a fraudulent Apple Card tradeline on my Experian report after it had been properly blocked under FCRA 605B. 
Despite my submission of : An FTC Identity Theft Report ( Report # XXXX ) A police report from XXXX Police Department A notarized affidavit of identity theft Proof of identity and address the Bank continued furnishing the fraudulent account and even directed Experian to reinsert the tradeline without proper certification or notice. 
Legal Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of identity theft accounts within XXXX business days of receiving a valid report. Goldman Sachs has failed to comply. 
FCRA 611 ( a ) ( 5 ) ( B ) Prohibits reinsertion of previously deleted accounts without : Certification of accuracy, and Written notice to the consumer within 5 business days.

Neither occurred before the Apple Card tradeline was reinserted.

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) Furnishers are prohibited from reporting information they know to be inaccurate, and must conduct a reasonable investigation after disputes. Goldman Sachs had actual notice of fraud yet continued furnishing false data. 
Pattern of Noncompliance My prior CFPB complaint ( # XXXX ) already raised these violations. Goldman Sachs latest reinsertion shows willful disregard of consumer protection law. 
Harm Ongoing damage to my credit reputation and FICO score. 
Denial of fair access to credit products. 
Emotional distress caused by repeated reinsertion of fraudulent accounts despite proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Exeter Finance took assignment of the loan. The cash price was {$23000.00}, and after fees the amount financed was {$24000.00}. The loan carries an APR of 24.04 %, with a finance charge of {$22000.00}, requiring 72 monthly payments of {$640.00}, for a total of {$46000.00}.
At the time of signing, I had just totaled my previous car the week before, and I urgently needed transportation. Additional charges such as a {$2500.00} service contract and a {$1000.00} debt cancellation product were added to the contract, but these were not clearly explained to me. As a young consumer under financial pressure, I did not fully understand how much these extras and the high interest rate would increase the total cost until after signing. 

Arkansas has a constitutional cap on interest rates, and this loans 24.04 % APR goes beyond what is reasonable under state law for a consumer auto loan. 

The only action I have taken so far is contacting the Arkansas Attorney Generals Office to report this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my Experian credit report. I recently reviewed my report and noticed inquiries that I do not recognize and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information, and I request that these inquiries be investigated and removed if found to be unauthorized. 

The inquiries in question are as follows : XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for credit or opened credit with these companies nor did I authorize them to access my credit file. Since these inquiries were not approved by me, they should not be reported on my credit history. 

Please conduct a prompt investigation into these inquiries. If you find they were made without my authorization, I request that they be permanently removed from my credit report and that I be provided with written confirmation of the deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, around XXXX XX/XX/XXXX ( MST ), I made changes to my bank account through the website so that I could transfer funds out of my brokerage account. In doing so, I attempted to transfer, but it restricted my account due to unusual activity. I went through the contact support through the online chat, and it mentioned that I would be called back. Approximately XX/XX/XXXX later, I received a call from Robinhood support at ( XXXX ) XXXX. The agent requested a verification process, including my name, email, the last XXXX digits of my social security number, and a few questions based on recent activities, to confirm it was me. As I was on hold, the agent stated that the verification department would investigate the issue further and get back to me within XXXX to XXXX business days. 

After all that, I attempted to deposit {$1.00} into my brokerage, and it was processed and credited to my account. I am very upset that Robinhood can accept a transfer into the account that I have on file, but not withdraw it.

Robinhood does indicate on its website and app that it offers XXXX support, and I attempted to request an expedited review so I could withdraw my funds. However, when I tried again, the chat support was closed, and the number I called indicated that it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been reported on my credit profile. I did not authorize, open, or use this account, and its reporting is entirely inaccurate. The inclusion of this account is harming my creditworthiness and misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

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