vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Complaint Against American Credit Acceptance Breach of Contract and Unlawful Repossession Threats I am filing a complaint against American Credit Acceptance ( ACA ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, for threatening repossession of my vehicle in violation of my financing agreement. 

On XX/XX/year>, ACA sent me a text stating my car had been sent for repossession due to a late payment. I immediately made a {$550.00} payment by credit card, which cleared my bank the same day and brought my account below XXXX  days past due. My contract clearly states repossession should not occur until more than XXXX  days delinquent. 

Despite this, ACA representatives ( XXXX, XXXX, and XXXX  supervisor ) told me repossession would proceed within XXXX hours unless I paid the loan in full. They also said I would be responsible for repossession fees if the car was taken, even though I was not in default. This is coercive, misleading, and a breach of contract. When I objected, they said, Take it as you want. 

I request that the CFPB investigate ACA and require them to stop unlawful repossession activity, honor the written terms of the financing agreement, cease using predatory collection tactics, and remove any repossession-related fees or negative credit reporting tied to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX was sent to me for my birthday by a friend. I have been trying to get it since that day. They say they refunded it, but the bank account was not good. Yep, they tried to send it to an old account. I was told the account had been cleared out the bank info in my account. They will not let me add another bank account. I have tried XXXX  times, plus I have called and talked to someone XXXX  times. They informed me they would call back within 3 days. I want the money, my money, that PayPal is keeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
On XXXX XX/XX/year>, I mailed a debt validation request to Williams Rush & Associates regarding account XXXX for an alleged XXXX XXXX XXXX XXXX XXXX XXXX  debt in the amount of {$4100.00}. The request was sent by certified mail ( proof attached ). 

As of today, the company has failed to provide the legally required validation under the FDCPA ( no signed agreement, no itemized accounting, no proof of ownership or authorization to collect ). Despite this, they continue to report and attempt collection of this debt. 

I am requesting CFPB assistance to require the collector to provide full and proper validation or to cease collection and remove any unverified reporting from my credit file.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
On a prior date, the account XXXXXXXX XXXX XXXX XXXXXXXX was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report XXXX ), which confirmed that the account was reported without my authorization or consent.

Recently, this same account was unlawfully reinserted into my credit file. The credit reporting agency Equifax stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within five ( 5 ) business days of the reinsertion, as required by FCRA 611 ( d ).

No such certification or notice was provided. This also violates FCRA 605B, which mandates the blocking of identity theft-related information within four ( 4 ) business days after receipt of an official FTC Identity Theft Report, and FCRA 623 ( a ) ( 3 ), which requires furnishers to update or correct previously disputed information.

The reinsertion occurred without any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information.

This unlawful action has caused measurable and documented harm, including : A significant decrease in my credit score.

The disruption of a pending mortgage application.

Financial and reputational damage to my credit profile. I have made multiple good-faith attempts to resolve this matter directl
y with the credit reporting agency , but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Experian 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 2025-09-10 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: GA

Complaint narrative:
Subject : Unauthorized Hard Inquiry on My Credit Report On XX/XX/year>, I was exploring options to refinance my existing car loan and visited the XXXX website. Their website asked me step-by-step questions about my refinancing needs, followed by basic personal information such as full name, address, and date of birth in order to create an account. 

After entering this information, I was prompted to provide my SSN to speed up the process. I chose not to provide my SSN, since I was not applying for refinancing at that pointI was only opening an account to view potential refinancing options. 

However, immediately after clicking submit, I received a notification from my credit bureaus that a hard inquiry had been placed on my account by XXXX XXXX XXXX. Shocked, I contacted the XXXX team right away. They informed me that they could pull my credit report without my SSN, which I find extremely concerning. 

I never applied for a loan, never authorized a hard inquiry, and never provided my SSN. Yet XXXX informed me that I was approved for a loan, which makes no sense as I did not apply. This action constitutes an unauthorized and fraudulent credit inquiry, and I am requesting that it be removed from my credit reports immediately.

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 2025-09-10 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: GA

Complaint narrative:
Subject : Unauthorized Hard Inquiry on My Credit Report On XX/XX/year>, I was exploring options to refinance my existing car loan and visited the XXXX website. Their website asked me step-by-step questions about my refinancing needs, followed by basic personal information such as full name, address, and date of birth in order to create an account. 

After entering this information, I was prompted to provide my SSN to speed up the process. I chose not to provide my SSN, since I was not applying for refinancing at that pointI was only opening an account to view potential refinancing options. 

However, immediately after clicking submit, I received a notification from my credit bureaus that a hard inquiry had been placed on my account by XXXX XXXX XXXX. Shocked, I contacted the XXXX team right away. They informed me that they could pull my credit report without my SSN, which I find extremely concerning. 

I never applied for a loan, never authorized a hard inquiry, and never provided my SSN. Yet XXXX informed me that I was approved for a loan, which makes no sense as I did not apply. This action constitutes an unauthorized and fraudulent credit inquiry, and I am requesting that it be removed from my credit reports immediately.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XX/XX/XXXX : I contacted Navy Federal multiple times via messaging through their customer portal or phone conversations regarding hardship assistance for my XXXX credit card ( balance approx. {$18000.00} ). Each call produced conflicting information. 

XXXX XXXX Navy Federal withdrew a payment of {$430.00} directly from my savings account without notice or consent, while I was actively inquiring about hardship options. 

XXXX, XXXX : Representatives told me my minimum payment of {$440.00} is due on XX/XX/XXXX, yet hardship terms remain unclear and not documented.

Navy Federal misled me about the hardship program. At first, they stated it could be started directly with reduced payments. Later, they said I had to agree verbally first before written terms could be provided. Then after deciding to proceed to go forward, I was told for the first time it actually requires a separate application and eligibility review. Requested what the qualifications were for approval and they could not provide those either. Multiple times upon request from me, Navy Federal refused to provide written terms of any hardship program until I agreed verbally. This prevents me from making an informed decision and leaves me vulnerable. Navy Federal withdrew funds without authorization from my savings account, depleting money my family needed for living expenses.

I have called Navy Federal multiple times to clarify the hardship terms. 
I filed a XXXX  complaint after the unauthorized withdrawal. 
I have continued to make payments under protest to avoid negative credit reporting.

Navy Federals handling of this matter has caused unnecessary stress, financial strain, and a lack of trust. Their refusal to provide transparency in writing and their unauthorized withdrawal of funds are unacceptable practices.

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 2025-09-10 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-09-10 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems is attempting to collect and report a debt that I do not owe. The information they are furnishing is inaccurate and has never been validated with proper documentation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have not received the required written notice of validation, and they have failed to provide proof that I am legally responsible for this account. 

Their continued reporting of this unverified account has caused me to be denied credit and has damaged my financial standing. Attempting to collect or report a debt without proper validation is a violation of federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO HARRIS BANK N.A . contract number XXXX I have requested information 7 time and have been refused .I request forward flow agreement, chain of assignment, copy of contract how this alleged debt was securitized XXXX XXXX  then transferred to a trust or insurance 15 USC 609 { get documents } and { 15 USC611challenge verification and delete } also ucc3-305 defense and claims in recoupment copy of arbitration clause from creditor. using no contract, no reporting Fact a law and FCRA602 and XXXX  you are the legal owner of due course. please respond through the CFPB

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