vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
XX/XX/year> i went too kia of XXXX to get a car i did not have license or insurance nothing was begging me to get a car from them didnt sign any thing that said i will be paying XXXX more on whats the car is worth

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
My student loans were disclosed without my consent, violating FERPAs strict confidentiality protections. Breach of privacy Act of 1974. 
I have submitted disputes through XXXX and have no been resolved. 
The amounts I am disputing are Ed Financial with the amounts of {$3700.00} and {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX  BANK ) # XXXX -Date Opened XX/XX/year> Account Name : XXXX XXXX # XXXX -Date Opened

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 2025-09-05 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i am submitting this complaint because my indentity was stolen and an unauthorized utility account and was opened in my name without my consent i did not apply for open or authorize this account. i first became aware of the fraudulent account on XXXX XXXX when i pulled my credit report this account was opened with XXXX XXXX this fraudulent activity has caused harm to my credit report and had placed me under undue stress i have already taken the following steps to protect myself .reported the identity theft to FTC identitytheft.gov

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 2025-09-06 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: FL

Complaint narrative:
We sent our payments at the end of XX/XX/year> for XXXX and unaware to us they didn't have the same schedule as our previous mortgage holder, they labeled the payment as late. Then we ended up sending them the XX/XX/year> payment of {$960.00}. the next payment of {$1600.00} was sent on XX/XX/year> to correct an error. They misapplied the XXXX payment and raised our monthly payment to {$1000.00} to cover the shortage again. No they keep reporting our account as 30 days past due for payments that were made and received by them and we now have an outstanding amount of {$970.00} that we shouldn't owe if they had applied and recorded payments correctly. Now due the economy and health issues ( a lost job and 30 day hospital stay ) that XXXX can not be paid on top of our regular payments, it needs to be forgiven, or attached to the end of the loan, so my credit score which was very good can return to its original status.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We sent our payments at the end of XX/XX/year> for XXXX and unaware to us they didn't have the same schedule as our previous mortgage holder, they labeled the payment as late. Then we ended up sending them the XX/XX/year> payment of {$960.00}. the next payment of {$1600.00} was sent on XX/XX/year> to correct an error. They misapplied the XXXX payment and raised our monthly payment to {$1000.00} to cover the shortage again. No they keep reporting our account as 30 days past due for payments that were made and received by them and we now have an outstanding amount of {$970.00} that we shouldn't owe if they had applied and recorded payments correctly. Now due the economy and health issues ( a lost job and 30 day hospital stay ) that XXXX can not be paid on top of our regular payments, it needs to be forgiven, or attached to the end of the loan, so my credit score which was very good can return to its original status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
We sent our payments at the end of XX/XX/year> for XXXX and unaware to us they didn't have the same schedule as our previous mortgage holder, they labeled the payment as late. Then we ended up sending them the XX/XX/year> payment of {$960.00}. the next payment of {$1600.00} was sent on XX/XX/year> to correct an error. They misapplied the XXXX payment and raised our monthly payment to {$1000.00} to cover the shortage again. No they keep reporting our account as 30 days past due for payments that were made and received by them and we now have an outstanding amount of {$970.00} that we shouldn't owe if they had applied and recorded payments correctly. Now due the economy and health issues ( a lost job and 30 day hospital stay ) that XXXX can not be paid on top of our regular payments, it needs to be forgiven, or attached to the end of the loan, so my credit score which was very good can return to its original status.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a letter that JPMorgan Chase Bank , N.A . has turned over an account with my name on it to XXXX XXXX XXXX XXXX. This letter does NOT include " right to dispute the debt '' notice. I have repeated asked for investigation into fraud through XXXX and Chase. Nothing has been provided to me on said investigations. I am currently locked out of my XXXX with Chase. XXXX asked for identity verification with my driver 's license and I provided this through a link ( which I now think was fraudulent ). I have received e-mail from XXXX referring to me by another name. I have received e-mails says the investigations are underway multiple times. I received an e-mail out of nowhere that my phone number was updated ( I have no idea who did this ). I received an e-mail from XXXX referring to me as, " XXXX. '' This is all fraudulent activity. Someone else seems to be controlling these accounts and have locked me out. They all say they will follow up with me after the multiple times I have asked for investigations, and they HAVE NOT. Fraud seems to be taking place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: GA

Complaint narrative:
I received a letter that XXXX XXXX Bank, XXXX. has turned over an account with my name on it to Credit Control , LLC. This letter does NOT include " right to dispute the debt '' notice. I have repeated asked for investigation into fraud through XXXX and XXXX. Nothing has been provided to me on said investigations. I am currently locked out of my XXXX with XXXX. XXXX asked for identity verification with my driver 's license and I provided this through a link ( which I now think was fraudulent ). I have received e-mail from XXXX referring to me by another name. I have received e-mails says the investigations are underway multiple times. I received an e-mail out of nowhere that my phone number was updated ( I have no idea who did this ). I received an e-mail from XXXX referring to me as, " XXXX. '' This is all fraudulent activity. Someone else seems to be controlling these accounts and have locked me out. They all say they will follow up with me after the multiple times I have asked for investigations, and they HAVE NOT. Fraud seems to be taking place here.

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 2025-09-06 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: CO

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. 
I told XXXX, Transunion, and XXXX  to reinvestigate these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2025-09-06 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: NY

Complaint narrative:
I am Writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C 1681-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

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 2025-09-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of my account with National Debt Relief. I have been enrolled in the program for several years with the understanding that my monthly payments would be directed toward settling my debts, and that service fees would only be charged once debts were successfully resolved. 

In XX/XX/XXXX, I was experiencing financial hardship due to the holidays and employment challenges. I contacted National Debt Relief and was advised that I could pause my program for 90 days. Following this guidance, I resumed my account in XX/XX/XXXX, at which point the company began withdrawing {$140.00} twice per month from my checking account. 

I was under the impression that these funds were being applied toward my debt settlements. However, I recently learned that these withdrawals were treated as undisclosed fees rather than payments toward my actual debts. After National Debt Relief collected these fees, I was informed that I would now need to re-negotiate my settlements and begin making payments toward my debts. 

When I inquired about the funds already withdrawn, the representative I spoke with seemed hesitant and unable to provide a clear explanation. This practice directly contradicts my understanding of the agreement I entered intothat fees would be charged only upon successful completion of debt settlements. 

I believe these actions represent predatory and unethical practices, as payments were taken for services not yet rendered, while I was misled into believing my debts were being reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-06 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: DISCOVER BANK
State: MI

Complaint narrative:
After checking my consumer report, to my surprise the following company ( s ) is/are reporting a charge off ( s ) Discover it Card Account Ending in XXXX I am demanding the following charge-offs ( s ) be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subs ubsection i - reports containing information solely as to transactions or experience consumer and the person making the report. 15 usc 6802 - Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint against Global Lending regarding the repossession and sale of my vehicle, which I believe was conducted in violation of my consumer rights. 

On XX/XX/year> my vehicle was repossessed. Following this repossession, when I called to retrieve the vehicle I was told it was sold. 

However, I did not receive any written notice prior to the auction, including : A notice of intent to sell or dispose of the vehicle. 
Information about the date, time, and location of the sale ( as required for a public auction ). 
Information about my right to redeem the vehicle or reinstate the loan before the sale. 

The lack of this notice prevented me from exercising my rights to redeem or reinstate the vehicle, and I believe this constitutes a violation of both state repossession laws and the Uniform Commercial Code ( UCC 9-611 and 9-613/614, as applicable ). 

I am requesting that the CFPB investigate this matter and hold Global Lending accountable for failing to provide the required notice before auctioning my vehicle. I also request that the CFPB ensure I am provided with documentation of the sale, the proceeds, and an accurate accounting of the alleged deficiency balance. 

Please advise me on the next steps in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
I was on a jobsite in XXXX XXXX  and needed a vehicle. Went to carmax to buy a vehicle and got one. Of course the carmax finance dealer had to falsify my loan application because I was not living in XXXX  and never have lived in XXXX. The dealer knew this. But thought I was getting a good deal on a vehicle until I spoke with a lawyer about the vehicle anf learned I was paying {$20000.00} to {$30000.00} more than the car was worth. So I done a voluntary repossession, then they called me telling me I needed to pay {$10000.00}, so i told them to give me the car back and I would pay. However I was informed the car had already been sold. So CarMax falsified a loan to get me into a loan, then sold me a vehicle 60 % -75 % of what the vehicle was actually worth, now want to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i am submitting this complaint because my indentity was stolen and an unauthorized utility account and was opened in my name without my consent i did not apply for open or authorize this account. i first became aware of the fraudulent account on XXXX XXXX when i pulled my credit report this account was opened with XXXX XXXX this fraudulent activity has caused harm to my credit report and had placed me under undue stress i have already taken the following steps to protect myself .reported the identity theft to FTC identitytheft.gov

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 2025-09-06 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: CA

Complaint narrative:
This account is being reported in my name without my authorization or knowledge. I did not open, apply for, or manage this account, and I have no relationship with the reported creditor. Its presence on my credit report is inaccurate, misleading, and is causing measurable harm to my creditworthiness and personal wellbeing.

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