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: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit Acceptance Corp XX/XX/year> {$42000.00} Credit Acceptance Corp XX/XX/year> {$33000.00} XXXX XXXX XX/XX/year> {$32000.00} Fifth Third Bank XX/XX/year> {$27000.00} XXXX XXXX XXXX XX/XX/year> {$23000.00} I have contacted the companies and recieved no replies and I have filed for FTC Report and the reference number is XXXX My personal information was used without my permission to open or manage any of the accounts listed. I did not authorize any of these accounts nor any related activity. I am a victim of identity theft and request that all of these accounts and all negative information connected to it be removed from my credit report immediately. Please investigate this matter and confirm the correction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Subject : Formal Request for Investigation of Inaccurate Credit Reporting and Repossession Violations I am submitting this complaint regarding inaccurate and incomplete reporting of an auto loan account that resulted in repossession. I am requesting CFPB assistance due to potential violations of the Fair Credit Reporting Act ( FCRA ) and New Jersey repossession statutes. 
Account Information : Original Creditor : XXXX XXXX XXXX XXXX Debt Buyer / Furnisher : XXXX XXXX I, XXXX Type : Auto Loan Issue Summary : Both Western Funding, XXXX. 
and XXXX XXXX I, XXXX are reporting information on this account. The reporting is inaccurate and incomplete. The vehicle was repossessed, but I did not receive : The legally required Notice of Right to Cure Default prior to repossession The post-repossession notice with sale details and deficiency information Proof of assignment of the account to XXXX XXXX I, XXXX A full and accurate payment history Documentation of the sale date, sale price, and calculation of the alleged deficiency balance New Jersey XXXX ( XXXX. XXXX and XXXX ) requires these notices. Failure to provide them invalidates the deficiency claim and renders the reporting inaccurate. Requested Resolution : I am requesting that the CFPB : Investigate both XXXX XXXX XXXX XXXX and XXXX XXXX I, XXXX Require correction or removal of inaccurate or incomplete credit reporting Require proof of all notices, calculations, and legal compliance Ensure compliance with FCRA and New Jersey repossession requirements Signature : XXXX XXXX

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 paid
Company: Ava Finance, Inc
State: FL

Complaint narrative:
The account is marked as paid and closed ; however, it continues to display a negative status. Ava Financial has not updated the account information accurately with the credit reporting agencies. My dispute with the credit bureaus was not properly resolved. Ava Financial may be in violation of Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ) by failing to correct inaccurate and outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MI

Complaint narrative:
Category : Student Loan Private Student Loans I am requesting an investigation and review of my private student loans originated at XXXX XXXX XXXX and by XXXX XXXX XXXX XXXX ( now by MOHELA ). 

I have XXXX private student loans from XXXX XXXX XXXX. 

Loan XXXX Disbursed XX/XX/XXXX, Original Principal {$4600.00}, Current Balance {$4100.00}, Interest Rate XXXX XXXX identified as an XXXX Risk-Sharing Loan. XXXX paid : {$12000.00} ( {$4500.00} principal, {$8100.00} interest, {$13.00} fees ). This loan was originally owned by XXXX XXXX XXXX XXXX and is now serviced by MOHELA. 

Loan XXXX Disbursed XX/XX/XXXX, Original Principal {$4700.00}, Current Balance {$7500.00}, Interest Rate XXXX XXXX, owned by XXXX XXXX XXXX XXXX and now serviced by MOHELA. XXXX paid : {$22000.00} ( {$5300.00} principal, {$17000.00} interest, {$24.00} fees ). 

Both loans were part of ITTs private lending programs later found to be fraudulent. XXXX misrepresented job placement rates, program value, and pressured students into private loans under the XXXX / XXXX XXXX programs, many of which were XXXX under state and federal settlements. 

Despite this, MOHELA continues to collect on these loans. I am requesting a review of both loans for discharge or cancellation based on ITTs fraudulent lending practices, the Risk-Sharing/Temporary Credit programs, and prior settlements, and I am requesting documentation proving that either loan was not part of ITTs fraudulent programs. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, I currently bank with navy federal credit union, I have been with them since XXXX and have both a checking and savings account! Just recently I tried to update my email on the account with the same phone I have been using for quite some time and they decided to restrict my whole entire account I can not log in whatsoever, I have tried calling in and emailing and even texting them and they refused to give me my account back they keep making excuses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: TX

Complaint narrative:
I sent a letter via certified mail, which was received XX/XX/year>, requesting validation of my debt appearing on my credit report in the amount of {$1900.00}. I also requested any and all information related to the debt that was provided to XXXX XXXX resources, including my XXXX authorization for this information to be shared with a third party company. As of XX/XX/year>, I still have not received any 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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I paid off my entire balance on my XXXX XXXX in XXXX. On XX/XX/year>, XXXX charged me for XXXX miles, a transaction I did not make. I called to have the charge remove, and they said they reported it as fraud. I asked for the card to be closed. They closed it, but are continuing to charge me late fees for the fraudulent charge, and they have not removed the charge from the account. They said for fraud, it can take XXXX billing cycles to resolve. In the meantime, they are continuing to charge late fees. I have had to call multiple times to get these removed, and I keep getting a different person with a different procedure. The company has not provided me any insight either verbally or in writing, of their fraud investigation. I have no idea who made this charge, or why. It was not my annual fee, it was an unexplained, random purchase of miles not made by me nor anyone in my household. I want this removed, all late fees removed, and this account cancelled.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Company : XXXX XXXX XXXX  Account Number : XXXX To Whom It May Concern, I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of identity theft, and these accounts were opened without my knowledge, authorization, or consent. This letter, along with the attached FTC Identity Theft Report, serves as my official statement regarding the crime. 

I request that you investigate, block, and permanently remove all fraudulent information listed below in accordance with the Fair Credit Reporting Act ( FCRA ), including sections 605B and 609 ( e ).

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 is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
How far a complaint against the XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, XXXX, for a collection account for {$130.00} was placed on my credit report without my knowledge or authorization. I do not recognize this day, and I never received proper Validation from the collector. In addition, someone else paid my debt without my consent, which raises serious concerns about identity fraud, and I can report it and improper collection practices. I do not know this company, or the debt they cclaim never authorized anyone to pay a debt on my behalf? XXXX did not send verification for the debt as required by the FDCPA. This day is an inaccurate report on my credit report, and it damaged my credit. I want this account removed immediately from all Credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
Was supposed to get XXXX  months of retainers to fix teeth upon receiving aligners they did not fit and sent back to company. closed down before they receive them and filed bankruptcy

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that the company immediately investigate and permanently remove all fraudulent accounts that resulted from the XXXX data breach from my credit profile. Additionally, I request that all negative information associated with these accounts be deleted, that my credit file be corrected and restored to its accurate status, and that I receive written confirmation once the accounts have been removed. I also request that the company place the appropriate fraud and security blocks on my file to prevent any further unauthorized activity.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Merrill Lynch letter to me, dated XXXX XXXX, just received today, XX/XX/year> They outright utterly incomprehensible lie to me by stating, I quote, " We confirm there have been no unauthorized transfers between your IRA, ending in XXXX to your XXXX, ending in XXXX. 

But the facts ARE OTHERWISE. Merrill Lynch did, in fact, and WITHOUT my written authorization, transfer ALL of my PFE stock out of my IRA account into my XXXX account! 

Years later and finally after my many repeated respectful demands Merrill Lynch transferred my PFE stock into a so called " new '' IRA! 

Total confusion here and I am no XXXX, to be sure! 

Of course, and the historical record bears it and me out : MERRILL LYNCH WITHOUT ANY WRITTEN AUTHORIZATION FROM ME TOOK MY PFE STOCK OUT OF MY IRA ACCOUNT AND PLACED IT INTO MY CMA ACCOUNT! 

Again, and with utmost due respect, Merrill Lynch is lying to me and perhaps even worse, AND THIS IS A FEDERAL CRIME, to you the Consumer Financial Protection Bureau, and, therefore, criminal proceedings against Merrill Lynch for so lying are now immediately in order! 

And this despite what its conniving lawyers have or had to say about IT!

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint with the CFPB regarding XXXX repeated failure to remove inaccurate information from my credit report. This is the third complaint submitted concerning this account, as previous disputes and complaints have not been resolved. 

Account Details : Creditor : FIRST PREMIER Account Number : # XXXX Balance : {$500.00} Status : Charge-Off Date Reported : XX/XX/year> Equifax continues XXXX report this account without proper verification, furnisher certification, or a valid reinvestigation, despite prior disputes and complaints. 

Legal Basis ( FCRA Violations ) : 611 ( a ) ( 1 ) ( A ) : Reasonable reinvestigation required for disputed items.

611 ( a ) ( 5 ) ( A ) : Unverified information must be deleted.

607 ( b ) : Agencies must ensure maximum possible accuracy.

611 ( a ) ( 5 ) ( B ) : Reinserted information must be certified and accompanied by written notice ; none was provided.

623 ( b ) : Furnishers must investigate and correct inaccurate reporting. 

Due to repeated non-compliance, I request immediate and permanent removal of this account from my Equifax credit report. 

Sincerely, XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My FTC Identity Theft Report number is XXXX. 

I am disputing several unauthorized hard inquiries that appear on my TransUnion credit report. I did not apply for credit with these companies, nor did I authorize any of these inquiries. These inquiries were made without my knowledge or a permissible purpose as required under the Fair Credit Reporting Act. 

The unauthorized inquiries are listed by date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized and can not be verified as legitimate. Under the FCRA, TransUnion must ensure maximum possible accuracy ( 1681e ( b ) ), conduct a proper reinvestigation of disputed items ( 1681i ( a ) ), and report inquiries only when there is a permissible purpose ( 1681b ( a ) ). 

I am requesting the immediate removal of all unauthorized hard inquiries listed above.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I asked the XXXX representatives, XXXX and her immediate supervisor, that I talked to today at around XXXX pm why was I charged return payment fee when the account showed no payment was returned. The payments that were posted and completed werent returned and yet I was charged a {$40.00} for a return payment. Yet they told me they couldnt waive the fee even though the payment went through.

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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These are inaccurate items. They show as late payments.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Or account was charged XXXX from XXXX in XXXX by a card I proved to chase bank was hacked and not even in our position yet because we just ordered it on Saturday XX/XX/year> and I called on Wednesday morning because it was already hacked while in transit to us. And that's the card they used to change the XXXX and chase bank still will not give our money back. I have gave all the proof it wasn't me our my husband and they say it doesn't matter because the card was supposed on a digital wallet. But my XXXX XXXX not have XXXX and that card was never activated because we didn't get it until the next Saturday

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have checked my XXXX and Equifax credit reports and found fraudulent inquiry from XXXX XXXX XXXX. I have never applied or had a credit with company. Please remove fraudulent inquiry from my credit reports, because I am a victim of identity theft.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I XXXX XXXX, am disputing the following inquiries because I did not authorize them. 
Under FCRA 604 ( a ) ( 2 ), a hard inquiry requires my written authorization, which I never provided.

Under FCRA 609 ( a ) ( 1 ), I am requesting full disclosure of the permissible purpose and a copy of the signed authorization.

If the furnisher can not verify this information, you are required to delete the inquiries under FCRA 611.

Any unauthorized access to my consumer report is a violation of FCRA 615 ( f ). 

If XXXXXXXX XXXX can not verify this authorization, Experian is required to delete the inquiries,

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with explanation