vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I bought a car through XXXX XXXX XXXX XXXX in Florida and received a loan from XXXX XXXX on XX/XX/XXXX in the amount of {$62000.00}. 

I then paid off the car loan on XX/XX/XXXX and received a letter from KIA dated XX/XX/XXXX stating that the letter verifies that XXXX XXXX XXXX no longer has interest on my XXXX XXXX XXXX model. I took the letter down to Florida DMV to request a lien release so I can print my title but Florida DMV told me that since this was done electronically, Florida DMV requires XXXX XXXX to release it electronically rather than a letter. Hence, Florida DMV refused to accept the letter I received. 

I immediately called XXXX XXXX to inform them that I require an electronic release. They told me ok and I waited for XXXX months for them to do anything. After XXXX months, I checked on DMV again and it shows that the XXXX was on there. I then called XXXX XXXX again every XXXX weeks since then and nothing is done. They escalated it to their " care team '' and gave me a service request number # XXXX. They told me they will resolve it in a week ( XXXX business day ). I last called them on XX/XX/XXXX and they told me they have a title issue and I told them I called XXXX XXXX XXXX XXXX and was told that their title office had already sent all information required of a brand new car to XXXX XXXX in XX/XX/XXXX, when the car was sold. XXXX XXXX is bouncing me around for no apparent issue and I am paying hire cost for insurance because of them! I also told XXXX XXXX that there is no title to be found since it is a brand new car that was financed. At this point, XXXX XXXX said they would call me back on XX/XX/XXXX to resolve issue. I never got a call back. It is now almost XXXX months since I paid off the car and this has not resolved. They are a 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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I opened a CD, savings and checking accounts at Santander XXXX  at XXXX XXXX XXXX. in XXXX Ma. I elected to have no overdrafts. I received 2 letters saying my election was changed to " some overdrafts ''. I called the bank talked to the person who wrote up the transacions. She said that I had to bring the letters to the bank. When I went there today XX/XX/XXXX I asked for XXXX. That was the name the banker gave me. Another woman said she was XXXX?? I gave her the letters she explained that I couldn't have the no overdraft option that they didn't offer that???. I was lied to. It was made clear that nothing was going to be done. I want to register a complaint. I would not have given them my business.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( XXXX ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I HAD LOOKED AT MY CREDIT REPORT AND NOTICED A NEW CHANGE. THE DEBT THAT IS SHOWING IS FROM HARRIS AND HARRIS , LTD. HOWEVER THIS COMPANY OR THE CREDITOR HAS NEVER SENT ME ANYTHING. I DO NOT KNOW WHO THIS DEBT IS FROM, OR WHO THIS DEBT COLLECTOR IS. I REQQUEST THAT THIS DEBT IS DELETED FROM MY REPORT ALL TOGETHER.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-30 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: LA

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 2025-10-30 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:
These accounts do not belong to me ; delete them within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Guild Holdings Company
State: SC

Complaint narrative:
Guild mortgage company, XXXX XXXX is the loan officer I went to too see about getting a USDA loan. I explained to here that I am only XXXX XXXX XXXX and I dont know really what Im doing. Before I signed the paper online where it said sign here for authorization of credit pull hard or soft. Before I signed I called her and verified that we would not be doing a hard credit check because the government is shut down so they cant close on a USDA loan anyways. She told me she would only pull a soft credit check bc again there was no reason for a hard one when the government is shut down. A day later I see that they pulled a hard inquiry on my credit, I called XXXX XXXX about it and I was told there was nothing they could do but they said your credit isnt that bad though. I feel like because I am young and inexperience I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This was back in XXXX I believe XX/XX/XXXX or XXXX. My card was used in XXXX Georgia. I live in XXXX XXXX Illinois on this day. I was at work. I am a XXXX agent in XXXX XXXX Illinois. I received a fraud alert from Navy FederaXXXX. I called them immediately and let them know that I was not in XXXX Georgia. I was at work Ever since then I have been disputing this charge in the amount of. $ XXXX.My last dispute was in XXXX and they keep on denying my dispute. I also got a police report once the supervisor told me I did not need XXXX. I still want to get XXXX. I also had my HR department. I contacted them and they also wrote a letter with my time card of me being present at work at the time of this incident. I keep talking to Navy Federal. Nothing has happened. They have denying me over XXXX times of this dispute Idea. Let them know that my daughter is a hairstylist and she do hair out of my home and when I looked into my wallet the day that. I also looked in my wallet and my debit card, my Social Security card and a couple more of my credit cards were missing. I also did a report on those and XXXX of my cards was used as well as my Navy Federal XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Alliance, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  ( Date opened XX/XX/25 in amount of XXXX ) and its not mine. I have never applied for, opened or authorized any account with XXXX XXXX. This account has negatively impacted my credit and is a clear case of identity theft/fraudulent reporting. I am requestion your assistance in investigating this matter and having the account immediately removed from my credit report with all major credit report bureaus. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Subject : Ally Financial Incorrect Charged-Off Reporting on XXXX XXXX XXXX Loan Description : This account was voluntarily surrendered, not charged off. Ally Financial is reporting this loan as charged off/written off, which is inaccurate and severely harming my credit. The account should properly reflect voluntary surrender with a {$0.00} balance and not show a past due status. 
This inaccurate reporting violates : FCRA XXXX ( b ) Duty to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing information known to be inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We are a not for profit local diving club and had scheduled a dive trip. We were communicating with the travel agent about outstanding monies and the email was intercepted somewhere along the way. The email of the travel agent was changed to a similar address and they directed us to change where payment was made. When we initiated the ACH with Chase, they did not follow the XXXX  rules or their own internal policies and did not request the name of the receiving agent or what type of bank account the money was being sent to. So the receiving institution did not perform their required duties to confirm the receiving bank account. When we approached Chase about this situation and requesting them to initiate the fraud investigation, they refused even after escalating several times. This is a loss of {$12000.00} for a small not for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
I am not liable for these accounts ; delete them within 15 days per USC 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 2025-10-30 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I am a borrower on an XXXX mortgage serviced by Nationstar Mortgage LLC ( Mr. Cooper ) . My family has been in active litigation and settlement discussions regarding errors in my prior loan modifications. On XX/XX/year> my attorney submitted a RESPA Request for Information asking for the full FHA loss-mitigation waterfall documentation. 

Despite those open requests and communications, Nationstar advanced foreclosure proceedings and scheduled a hearing for XX/XX/year> after telling my attorney verbally that foreclosure activity would be paused during litigation and settlement review. No waterfall or payment-supplement documentation has been provided. 

My monthly payment was also raised by roughly {$700.00} through an improper modification, and I have reason to believe the servicer did not follow HUDs 2025 guidance ( Mortgagee Letters XXXX XXXX XXXX  ) or the RESPA dual-tracking rule under 12 C.F.R. 1024.41 ( g ).

I am requesting that the CFPB and HUD require Nationstar to : Suspend all foreclosure activity while the RESPA and HUD requests are pending.

Provide the complete loss-mitigation waterfall and payment-supplement evaluation. 
Correct the modification so my loan is re-originated to the original terms ( about {$2300.00} monthly ) and remove any negative credit reporting tied to the improper foreclosure filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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