vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, Navy Federal Credit Union funded a {$31000.00} business auto loan for my company, XXXXXXXX XXXX XXXX XXXXXXXX. The signed agreement clearly stated an interest rate of 13.74 %. However, XXXX XXXX later increased the rate to 18 % without proper disclosure or transparency. 

At the time of funding, the vehicle title was still in the previous lenders ( XXXX ) name. After receiving the title, I temporarily registered it in my personal name so I could begin the process of transferring it to my businesssomething I planned to do immediately. XXXX XXXX did not require the title to be in the business name before funding the loan, nor did they disclose that failure to do so would trigger a penalty interest rate. 

Only after the loan was finalized did they begin sending letters instructing me to update the title, and later used that as justification to raise the interest rate. This change in terms was not clearly disclosed in the signed loan agreement, and their failure to verify or confirm title status before funding contradicts their claim that the business name was a condition for the agreed rate. 

Additionally, the vehicle was undriveable at the time of funding, and XXXX XXXX did not conduct any verification, inspection, or request photosdespite the amount being loaned. This lack of due diligence raises concerns about their internal risk protocols and fair lending practices. 

On XX/XX/XXXX, I mailed a certified dispute letter ( tracking # XXXX ) requesting : A full review of the unauthorized interest rate increase Acknowledgment of the vehicles condition and lack of verification Clear explanation of any title requirements and impact on the loan terms A full release from the loan due to these contractual issues Despite multiple follow-ups through secure message, I have received no formal resolution. I am acting in good faith and now ask the CFPB to investigate this matter for unfair lending, deceptive practices, and failure to properly disclose or verify critical loan terms. 

Supporting documents including my signed contract, certified dispute letter, and XXXX XXXX responses are available upon request or can be emailed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been trying to request XXXX  to fix this as they keep reporting and saying they investigated and reported it true, it's not and requested them and told them I was paying them so not a charge off not only that it has been paid on owed directly to Wells Fargo. They say they have 45 days these are stall tactics and tired of them reporting this wrong. And requested it deleted as they say it's verified when it's not because if it was, they should have all payments being made and then paid off. They are not reporting the correct payments or XXXX balance. What they put is a charge off when it's not. So been requesting for months for them to delete it and they do not properly investigate like they say.

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 2025-05-15 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: GA

Complaint narrative:
I am filing this complaint against TransUnion and the auto finance company reporting a charged-off car loan on my credit report. This account is being inaccurately reported, and both the furnisher and TransUnion have failed to comply with the Fair Credit Reporting Act ( FCRA ). 

I initially disputed this item in XX/XX/year>, and as part of my dispute, I provided my address and supporting information. I clearly stated that the company never repossessed or picked up the vehicle, despite having my correct location and contact details. There was no recovery, no follow-up, and no resolution. 

More than 30 days have passed since my original complaint. Under FCRA 1681i, TransUnion was required to conduct and complete a reasonable reinvestigation within that time. However, I have received no validation, no documentation, and no evidence to justify the continued reporting of this account.

Additionally, under FCRA 1681s-2 ( b ), the furnisher is required to conduct a reasonable and independent investigation when notified of a dispute. Simply checking internal records without proof of the debt or repossession does not meet the legal standard. 

This inaccurate reporting is seriously affecting my day-to-day life, including my ability to obtain credit, rent housing, and maintain financial stability. I have made every reasonable effort to resolve this issue, yet TransUnion continues to report an unverified and harmful item. 

It is also worth mentioning that TransUnion, like other credit bureaus, has been subject to criticism and regulatory action for failing to properly investigate consumer disputes. This case reflects the very same type of negligence.

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 2025-05-15 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: OH

Complaint narrative:
I am submitting a formal complaint regarding an unauthorized hard inquiry listed on my credit report by CBNA on XX/XX/year>. I did not apply for credit, nor did I give consent for this inquiry to be made. 

Under 15 U.S. Code 1681b, credit inquiries must only occur with a valid permissible purpose, such as an application for credit or services. I had no such interaction with CBNA around this date that would justify this inquiry.

Furthermore, under 15 U.S. Code 1681n, any party who willfully obtains a consumer report under false pretenses or without a permissible purpose is liable for damages. This inquiry was made without my authorization and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

I have contacted both the credit bureau and CBNA directly to dispute this inquiry, but it remains unresolved. I am requesting that the CFPB investigate this matter and ensure the removal of the unauthorized inquiry to protect my credit integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. Nature of the Complaint I am represented by a duly-notarized Limited Power of Attorney appointing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX as my Agent to dispute all inaccuracies on my credit file. Despite proper submission of dispute packageseach accompanied by certified mail receiptsTransUnion has repeatedly sent stall letters refusing to reinvestigate and acknowledging neither me nor my authorized Agent. This conduct violates the Fair Credit Reporting Act ( FCRA ). 

2. Relevant Facts & Timeline XX/XX/XXXX : I, through my Agent, submitted written disputes to TransUnion, challenging : Unauthorized inquiries by XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX XXXX XXXXXX/XX/XXXX ) under FCRA 1681e ( b ) ( maximum possible accuracy ).

Each dispute included : A copy of my signed, notarized Limited Power of Attorney ; A clear identification of each item in my report I believe to be inaccurate ; May 512, 2025 : TransUnion responded with form stall letters, claiming disputes were not properly authorized, despite my Agents complete documentation.

3. Violations of Law Failure to Conduct Reinvestigation ( 15 U.S.C. 1681i ( a ) ) TransUnion must conduct a reasonable reinvestigation to determine whether the disputed information is ina
ccurate within 30 days of receiving a dispute from a consumer or authorized Agent. My dispute was received on XX/XX/XXXX, and no substantive reinvestigation has occurred. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion is required to follow reasonable procedures to assure maximum possible accuracy in consumer reports. By persisting in stall letters rather than verifying with furnishers, TransUnion is failing its accuracy obligation.

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 2025-05-15 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: MS

Complaint narrative:
I recently checked my credit report and realized that it contains unauthorized inquiries I have listed them below. 
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 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 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 2025-05-15 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: MS

Complaint narrative:
I recently checked my credit report and realized that it contains unauthorized inquiries I have listed them below. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 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: WA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for some fraudulent accounts that are on my most recently reviewed consumer credit report with TransUnion, added by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They completed their report on XX/XX/XXXX, and they reported them as accurate and would not remove them. This information is fraudulent, and I did not authorize those accounts or companies to be added to my consumer 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation
State: CO

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I received three instant cash advances of {$35.00} each through the Albert app. On XX/XX/XXXX, I made a manual repayment of {$40.00} toward one of these advances. However, despite my efforts to repay on time, the app shows that repayment attempts on XX/XX/XXXX failedthis occurred even though I had sufficient funds at the time, and I did not receive prior warning or opportunity to resolve the issue. 

On XX/XX/XXXX, I received another {$35.00} advance, and at that point, the app began displaying a balance due of {$81.00}. This total appears to include unjustified late fees or charges that were never properly explained or documented. I believe this is an error, as I had made timely repayments and was charged a {$10.00} subscription fee as well. 

In addition, Albert scheduled automatic deposits ( called XXXX XXXX ) from my bank account ending in XXXX without my authorization. I never turned on or consented to these automatic transfers, yet the app sent me an email confirming the setup of these deposits. I took no action to approve or trigger this feature. 

I contacted Albert to dispute the balance and requested that they stop unauthorized deposits, remove the inaccurate balance, delete my data, and close my account. I have not received a satisfactory resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr.Cooper I check my account to find a fee of {$10.00} labeled payment breakdown fee. It was never disclosed if I requested the service .. it also didn't disclose any fees. I also never received documentation of the charge or that a fee would be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. 

The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice ofyour findings within the 30-day period allowed by law. 

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block the following fraudulent information appearing on my consumer credit report as a result of identity theft and fraud, within 4 business days of receiving this complaint.

This inaccurate and unauthorized information includes multiple accounts that I did not open, use, or authorize, specifically : Account Name Account Number ( Partial ) Balance Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged off reported as bad debt ( all XXXX bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Charged off balance {$0.00} but was written off ( all XXXX bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$720.00} Charged off second account, same issuer ( all XXXX bureaus ) XXXX XXXX XXXX XXXX * * * {$830.00} Charged off early termination, balance written off XXXX XXXX XXXX XXXX {$0.00} Settled for less than full balance, up to XXXX days late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} Collection account disputed, still open on Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$670.00} Collection account disputed, open and seriously delinquent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} Same as above ( duplicate account listed under collections ) These fraudulent accounts have resulted in numerous unauthorized hard inquiries and derogatory notations appearing on my credit file. I do not recognize any of these accounts, and I did not apply for, open, or authorize any transactions related to them. I have attached a list of these inquiries, as well as a copy of the consumer credit report from TransUnion showing the accounts in question. 

All of these items are the result of identity theft and fraud. I have also included a copy of my FTC Identity Theft Report # ( Private Case Number ) as official documentation verifying that I am a victim of identity theft and that the accounts, collections, and inquiries listed above are not mine. 

In accordance with the FCRA, I respectfully demand that TransUnion immediately block these items from my file and notify all furnishers of their removal as required by law.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable accounts data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed with Experian about an address on my credit report to be removed and update to the one I currently live at. They have yet to fix the problem and have my new address completely wrong as well.

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