vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX was affected by government shutdown that lasted XXXX days. I applied for extension of 2 months to allow me time to manage doing the crisis. Every year I am entitled to XXXX extension in a 12 month period I only had XXXX back in XXXX. My request was denied I was scheduled to make my payment that I was late on but wasn't able to. XXXX put out information to assist doing the government shutdown that they will assist in every way. On XX/XX/XXXX at XXXX XXXX my car was reposses. XXXX inform me anytime my car is in reposession status I have to pay XXXX full payments to reinstated. The representative gave me the balance of {$3400.00}. On XXXX  I went to XXXX XXXX to make a payment of {$3300.00} dollars and I provided the mtc number to customer service. I called they informed me I need to make additional {$140.00} dollars. When I got home an hour late I got email from XXXX to sign documents. I called they informed me that my extension was approved after the reposession and informed me I have a credit of {$1200.00}. She stated this will apply to your XXXX payment and partial XXXX payment. I disagreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I purchased a new vehicle XXXX XXXX  on XX/XX/XXXX financed by Kia Finance for 75 months. in XX/XX/XXXX I received a billing statement dated XXXX XXXX with a payoff of {$17000.00} which was good until XX/XX/XXXX. On XXXX XXXX a full payment was made for the full balance of {$17000.00}. which should have paid the car off in full. When i received the next statement dated XX/XX/XXXX it states a payment of only {$16000.00} with a due balance of {$63.00}. The statement dated XXXX XXXX does not reflect the full {$17000.00} that was paid leaving me with a balance that I should not have this account was paid in full on XXXX XXXX. I contacted XXXX XXXX 2 times and this has not been corrected

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 2025-12-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I purchased a gift card from XXXX for {$300.00} and activated it. I tried to pay a bill and the card declined. After looking up the card it said {$300.00} was spent on {$100.00} increments at the same time in different parts of the country. I tried to get this resolved by the company as I am very low on personal funds and this was needed to pay bills. They are refusing to simply refund the card even with the charges obviously being fraudulent. I've tried contacting them but they are only saying a report is opened and no further information or timeline is available. I need my money returned as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-12-03 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I was fleeing an XXXX XXXX an I explained this and they said they could get me cash quickly. I went in One Main Financial to refinance my car and they gave me XXXX. I am paying them back XXXX! I thought I was paying back XXXX but the loan agreement is saying that I borrowed XXXX. I was given XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 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: MO

Complaint narrative:
Kindly remove this account and send written confirmation once it has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Consumer Finance Protection Bureau, please help me with my terrible situation with Navy Federal Credit Union. On XX/XX/year>, I lost my Navy Federal credit card ending in XXXX. Not long after, a very large and completely uncharacteristic charge for {$5100.00} was made at XXXX XXXX on XX/XX/year>. I never made this purchase. As soon as I discovered the card was lost, I contacted Navy Federal to report it and asked them to review any transactions that occurred after the loss. This XXXX XXXX charge immediately stood out because I never make purchases anywhere near this amount, and Navy Federals system should have recognized it as unusual activity. I also never received any fraud alerts or warnings, even though the transaction was clearly outside my normal spending habits. I reported the charge as fraudulent right away, and Navy Federal initially issued a provisional credit, acknowledging that the transaction appeared suspicious. However, weeks later, I was shocked to see that the fraud charge was put back onto my account, as if Navy Federal decided it wasnt fraud. This decision is completely unfair and does not reflect the reality of what happened. I have always used my account responsibly and have no history of large or high-risk transactions. For Navy Federal to place this enormous charge back onto my accountdespite it being made after my card was lost and without any fraud alertsis extremely disappointing and feels unjust. I am asking Navy Federal Credit Union to reconsider this decision, acknowledge that this was clearly fraudulent activity, and remove the {$5100.00} XXXX XXXX charge permanently from my account. I hope Navy Federal will stand by me as a loyal member and handle this matter fairly. If I am not properly assisted, I will have no choice but to reconsider continuing my relationship with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TN

Complaint narrative:
My personal information was in a data breach and I wanted information about it as well as a new card and or getting money back that was stolen for me through cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This letter is intended as my formal objection to the accounts referenced. I did not approve or open them and have no connection. Please review and remove them. Supporting documents are included.

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 2025-12-03 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 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: Synovus Bank
State: NE

Complaint narrative:
I filed a complaint on XX/XX/25 concerning Synovous bank XXXX. I my complaint I stated that although they had sold my account to a collection agency they continued to post their information on my report. The answer I received from Synovous was that it was completely within their right to continue to post an account as a " charge off '' that they considered to be in collectable.

Posted that information about a charge off account without mention or proof of filing a 1099 tax form on my behalf that would essentially report my debt as income to the IRS is an absolute violation of CFPB rules put in place to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am submitting a complaint regarding Midland Credit Management , Inc. ( MCM ) for reporting inaccurate, incomplete, and unverified information to the consumer reporting agencies.

- Creditor : Midland Credit Management , Inc .

- Balance : {$2800.00} - Opened : XX/XX/XXXX - Last Reported : XX/XX/XXXX 1. Violation of FDCPA 809 ( 15 USC 1692g ) Failure to Validate Debt Midland

has reported a debt but has never provided required validation or proof of ownership. 2. Violation of FCRA 1681s-2 ( a ) Reporting Inaccurate or Misleading Information The tradeline contains structural errors, missing data, and misleading status descriptions. 3. Violation of FCRA 1681i Failure to Conduct a Reasonable Reinvestigation. A prior dispute was filed but no proper investigation results were provided. Requested Action : I request that the CFPB require Midland to validate the debt, correct inaccuracies, or delete the tradeline entirely if verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-12-03 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: VA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am not connected to these accounts, and they must be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
The data reported in this item is incorrect and misrepresents my financial conduct. Please revise it to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I asked for debt validation through experian and received nothing to validate any debt. I asked for original signed contract, chain of title from XXXX XXXX  to portfolio recovery date of first delinquency to my knowledge if this can not be obtained it must be removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Please accept this correspondence as my formal notice disputing the referenced accounts. I have no affiliation with them and did not authorize their creation. I request removal and review. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I purchased appliances at XXXX XXXX using my Best Buy Citi Card. I chose the 24 months deferred interest promo which ends XX/XX/year>. I have other purchases on the card and my minimum payment was around $ XXXX {$150.00} a month. When I did that this is what I did on my account. You've chosen to apply payments in excess of the Minimum Payment Due to this Promotional Balance before your Other Balances. To make changes to your Promotional Payment Allocation, contact us at the number on your statement or on the back of your card. I have been paying {$250.00} for the last 23 months thinking that about {$100.00} a month would go to the promotion since anything in excess of my minimum payment was to be applied according to my agreement. Well apparently they decided to only apply 33 % because their system says that. No where on my account does it say that nor did I approve. I did not notice this error they were making until XXXX when I looked and saw the promotional balance only went down {$690.00}. This is causing me to have to pay {$2000.00} by XXXX XXXX or be charged {$1800.00} in deferred interest on a {$2600.00} purchase. When I asked them to apply the payments correctly they said ok and I was on the phone forever with 3 different people to only find out that they could not transfer the payments because I waited too long and should have checked sooner. Why would I check my account when it shows anything over the minimum payment made goes towards this promotion. Funny thing is they said they did do my XXXX payment like that because they saw my promotion was ending and my balance was still so high. This is crazy they will not put payments I made on my promotion forcing me to come up with {$2000.00} right before XXXX or get charged {$1800.00} on a {$2600.00} purchase.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I am filing this complaint because Cherry Technologies is reporting an alleged dental financing account on my Experian credit report that does not belong to me. I disputed this account directly with Cherry and requested proper validation under the FDCPA and a reasonable investigation under the FCRA. 
XXXX responded by sending me internal XXXX documents only a generic loan agreement and their own payment history. They did not provide the required validation proving the debt is mine. Specifically, they failed to provide : * No IP address used to apply * No device ID or geolocation data * No e-signature audit trail * No identity verification * No copy of identification used * No proof I received services * No itemized billing from the dental provider ( they admitted they do NOT have it ) * No proof any down payment or charges came from my bank account This is NOT a reasonable investigation under FCRA 1681s-2 ( b ) nor proper validation under FDCPA 809 ( b ). 
I am a victim of identity theft and did not open any account with Cherry. Their continued reporting is causing serious harm to my credit rating and has caused me to be denied credit opportunities, including credit card applications, auto financing, and housing opportunities.

Company response to consumer: Closed with explanation