vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: MI

Complaint narrative:
[ Your Full Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State ZIP ] XXXX, Michigan XXXX [ Date ] XXXX XXXX XXXX Equifax Re : Final Demand for Documentation & Method of Verification To Whom It May Concern, This is my final demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ), regarding accounts you claim to have verified as accurate.

I dispute the following accounts as inaccurate and/or unverifiable XXXX  ( Account # XXXX ) You have previously stated these accounts were verified ; however, you have failed to provide any documentation showing how such verification was achieved. Simply marking items as verified through the e-OSCAR system without providing documentary evidence is insufficient under federal law. 

Additionally, my personal information was confirmed to be impacted by the Equifax data breach of XXXX, and again in XXXX, as shown in the attached documentation. This raises substantial concerns regarding identity theft and inaccurate reporting. 

Therefore, I formally demand the following within 15 days of receipt of this letter : 1. The full method of verification used to verify these accounts, including the name, address, and contact information of each furnisher who allegedly verified the data.

2. Copies of all original applications, contracts, statements, and payment histories used to verify these accounts.

3. Documentation showing the chain of custody and authority to furnish such data under Metro 2 guidelines.

If you can not produce this documentation, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the accounts from my credit report immediately.

Enclosed you will have Factual Dispute with copies of FTC report, Equifax Data Breach where my personal information was impacted Ticket # XXXX B XXXX Sincerely, [ Your Name & Signature ] XXXX XXXX Enclosures : Copy of Equifax Data Breach Settlement confirmation ( impacted information ) Copy of SSN and Identification Provide response only by mail.

Factual Dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, Navy Federal Credit Union placed a hard inquiry on my credit report. I did not authorize this inquiry, nor did I apply for credit with Navy Federal around that date. 

On. XX/XX/XXXX. XXXX Navy federal also made another inquiry for a consumer loan which i did not authorize. i received an email from navy federal confirming they made the inquiry but stating they can not remove it.

These unauthorized inquiries have negatively impacted me by lowering my credit score and reducing my access to financial opportunities. I have reviewed my records and confirmed that I never signed or submitted any application that would justify this inquiry.

I contacted Navy Federal to request documentation showing that I authorized this inquiry, but I have not received any proof or resolution. 




Requested Resolution : Remove/delete the unauthorized inquiries from all credit bureaus. 

Provide written confirmation once the inquiry is removed. 

Ensure steps are taken to prevent unauthorized inquiries in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto Finance repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating Florida consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Capital One has also failed to show that the repossession and subsequent sale of the vehicle were conducted in a commercially reasonable manner as required under Florida Statute 679.610. Without proof of compliance, their reporting is inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I

n 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. 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 inaccurat
e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
Toyota Motor Credit is reporting XXXX separate accounts ( XXXX lease, XXXX finance ). The lease account was closed in good standing, never late, prior to my bankruptcy filing. However, XXXX is mixing payment history between the XXXX, making it appear that both had derogatory activity. This is inaccurate and misleading, violating the FCRA and XXXX XXXX reporting standards. 
Request that they separate or delete the tradeline that is mixed/inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX, my retail installment contract was through Santander XXXX  USA. The financed amount was {$21000.00} at 25.85 % interest for 72 monthly payments of {$590.00} first payment due on XX/XX/XXXX. During the time of purchase and the first payment I noticed that the payment amount seemed wrong, but was never able to get answers as to why. I had to relocate to Oregon before my first payment, and while my address was updated on the customer portal on their website I have never received a single piece of mail about my loan. The website wouldn't let me access my monthly statements, and phone calls didn't provide any answers to why my payment seemed incorrect, and being unable to register my car at my new address It remained parked in my driveway until XX/XX/XXXX when I came out to a tow truck driving off with it. I don't know where the car went, and have not received any mail about the repossession before or after. I don't know what to say about the horrible experience from the start with this company.Also, my credit report shows that this is a 73 month auto loan, when it is supposed to be a 72 month retail installment contract, this has never been fixed despite disputes and requests, so is therefore reporting incorrect information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous \ninaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on \ntime, yet the way some accounts are being reported is inconsistent, misleading, and in several cases \nunverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et \nseq., and I request a thorough reinvestigation of the following itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover \nnumerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying \nmy obligations on time, yet the way some accounts are being reported is inconsistent, misleading, \nand in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act \n(FCRA), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance: $XXXX XXXX XXXXBalanceXXXXXXXX XXXX XXXXBalance:XXXXXXXX XXXX XXXXBalance:XXXXXXXX XXXX XXXXBalance:$XXXX XXXX XXXXBalance:XXXXXXXX

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I opened a PayPal credit line around XXXX of this year because when I was booking a flight, it popped up at 0 % interest for XXXX months. That same day I booked through XXXX, when the purchase went through, they booked the wrong time and date of the tickets. I called them immediately and told them to cancel them and they assured me that they would refund my money. This is XXXX. I turned around and booked with another flight for the same date, but the right times so obviously XXXX cant be on XXXX flights on the same day at XXXX, separate times taking off from the same destination. 
The disputed amount is {$470.00} that PayPal refuses to fix. I have been going back-and-forth since the inception of this account over that same charge. I am not responsible to go make XXXX refund my money. Thats the credit card issuers job after they did not deliver the goods and services that were promised to me during purchase. They have refused to protect me as a client and as a result, they reported the account over the credit limit because of this purchase and they refuse to investigate properly or fix this matter I have been going month in a month out over and over again, trying to resolve this issue for an amount that I was wrongly charged for a service that I did not receive. Id like my money back. Id like to stop paying interest on the amount. Id like the correct amount to be reported on my credit bureau as soon as possible.

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 2025-09-13 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: VA

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inconsistent and inaccurate data points regarding my XXXX credit card account ( charged-off account ), in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I previously filed disputes with Equifax and also filed complaints with the XXXX XXXX XXXX  ( XXXX ) and CFPB regarding this account. As of today, Equifax has failed to correct these errors despite the XXXX days allowed under 15 U.S.C. 1681i. My most current credit report shows information that contradicts the documents Equifax sent me in writing. 

Examples of the inconsistent and inaccurate reporting : Account number listed differently across bureaus and even in Equifaxs own letter ( e.g. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX ). 

Account status showing derogatory on my credit report, but paid in their letter. 

High credit reported as {$1000.00} on my report but {$2500.00} in their letter. 

Credit limit reported as {$0.00} on my report but {$1000.00} in their letter. 

Different dates for date opened, date last reported, date of last activity, and date of last payment. 

Different payment histories than what they provided in writing. 

Their investigation letter says the account was verified, yet also states they modified fields like date of last payment and historical account information, which still does not match what is on my report. 

This is a clear failure to report accurate information ( 15 U.S.C. 1681e ( b ) ) and to properly reinvestigate disputed information ( 15 U.S.C. 1681i ). I am also on XXXX XXXX military status, and inaccurate reporting can directly harm my security clearance and career. Under the Servicemembers Civil Relief Act ( SCRA ), credit reporting agencies are expected to give heightened care and accuracy for servicemembers.

I am demanding that Equifax remove this charge-off account entirely from my credit report due to the verified inaccuracies and failure to comply with FCRA. 

If Equifax does not remove this account and correct my report within 10 days, I will be filing suit in small claims court. 

Please reference my existing CFPB complaint regarding this same account involving XXXX, XXXX XXXX XXXX. ( Complaint number : XXXX ). 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$55.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-09-13 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:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover \nnumerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying \nmy obligations on time, yet the way some accounts are being reported is inconsistent, misleading, \nand in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act \n(FCRA), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance: $XXXX XXXX XXXXBalanceXXXXXXXX XXXX XXXXBalance:XXXXXXXX XXXX XXXXBalance:XXXXXXXX XXXX XXXXBalance:$XXXX XXXX XXXXBalance:XXXXXXXX

Company response to consumer: Closed with non-monetary relief