vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I was mislead into sending the " Payoff '' amount stated online before the due date and Lendumo still withdrew the monthly payment out of my bank account. They claimed that it was in queue and will not be refunded, so I am being charged a hidden pre-payment penalty customized as 'accrued interest '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I checked my high-yield savings account with XXXX to find out that someone had fraudulently taken {$16000.00} and attempted to take another {$10000.00} from a linked account without any notifications or prior authorizations. After contacting XXXX I have been sent back and forth between departments with no estimates on when it should be resolved. After checking back a few business days later I found my account was restricted and they are telling me they are closing my account without fully resolving the fraudulent transactions. I once again had to go through multiple departments ( banking, member security, disputes ) and wasn't guaranteed about if I would get my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems failed to validate apartment-related debt and continues to report it on my credit report I am submitting this complaint because National Credit Systems ( Account # XXXX ) is reporting a collection account on my credit report that has not been properly validated. 

I was unaware of this debt until I reviewed my credit report. After discovering it, I called National Credit Systems on XX/XX/year> to request full validation of the account, as required under the Fair Debt Collection Practices Act ( FDCPA ). The representative I spoke with stated that she would email me all the information the company had regarding the debt. 

I later received an email containing limited documentation that did not validate the debt. The information provided did not include an itemized billing statement, or any proof that this debt is legitimate or owed by me. The email contained only a generic breakdown of alleged charges, which has never been reviewed with me. 

This collection appears to be related to a former apartment lease. However, no rent was owed and no damages were present upon moving out. We were not notified of any outstanding balance, damages, or charges at the time of move-out. The property kept our security deposit, so it is unclear how any additional rent or damage charges could be legitimately owed. 

To this day, we have not received an itemized billing receipt or proof of any damages. The failure to provide this information, combined with continued credit reporting, is both misleading and harmful. 

This situation violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The unverified and unsubstantiated collection is negatively affecting my credit score and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Apparently there was a debit of {$2000.00} to XXXX XXXX. According to the claims department at Bank of America, someone got into my online banking page. Per the bank 's instruction I changed my password and user name. I have been with this bank for XXXX XXXX and have NEVER used XXXX XXXX for anything.

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 monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
My vehicle was declared a total loss in XX/XX/year>. The at-fault drivers insurance company ( XXXX XXXX ) issued a settlement check to XXXX XXXX XXXX XXXX off my auto loan. XXXX XXXX provided proof that the check was received and cashed by XXXX XXXX in XX/XX/year>. 

However, XXXX XXXX informed me that the payment was posted to another customers account by mistake, and that my account has been under investigation for several months. Despite repeated calls, I have not received any updates or resolution. 

The error has left my loan balance incorrectly unpaid, and I have continued to make payments even though the vehicle was totaled. I am requesting that XXXX XXXX immediately correct this error, apply the settlement funds to my account, and refund the car payments made since the total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
chase bank verified the funds XX/XX/2020 for the amount of {$23000.00} funded by XXXX, this was a personal check ( sole proprietor ) deposited into a personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Experian deleted the public record XXXX XXXX XXXX XXXX XXXX Case # XXXX. However, Experian continues to inaccurately report several accounts as included in bankruptcy, even though the bankruptcy itself no longer exists on my report. 

I have provided Experian multiple dispute letters and proof that Equifax has already deleted the same accounts Bank XXXX XXXX, XXXX XXXX XXXX XXXX, and Discover confirming the data is inaccurate. 

This violates federal law : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to reinvestigate and correct errors 15 U.S.C. 1681n Willful noncompliance with the Fair Credit Reporting Act Experians continued reporting of accounts tied to a deleted bankruptcy has caused denials and credit harm. I request that the CFPB require Experian to remove all remaining bankruptcy-related accounts and provide written confirmation that my report has been corrected

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 2025-11-10 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:
My repeated attempts to have false and inaccurate information removed from my credit report have gone unresolved. I have exercised my right to dispute and correct these errors, yet the information remains, unverified and misleading. This ongoing inaccuracy is negatively affecting my credit standing and causing unnecessary hardship in my daily life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CARVANT FINANCIAL LLC
State: NY

Complaint narrative:
I am filing a complaint against Carvant Financial regarding my auto loan account # XXXX. 

Since XX/XX/year>, I have attempted to contact the lender several times in writing to correct an issue with my account. I made a {$5000.00} down payment at the time of purchase, but this payment was never applied to the loan balance. 

On XX/XX/year>, I sent a formal written request asking for : A corrected account balance Documentation showing application of the {$5000.00} down payment A full account/payment history A copy of the Retail Installment Sales Contract Written validation of the reported balance The lender has failed to respond in writing for over a month and continues to insist that I must call by phone. They have not provided any documentation, not validated the account, and not addressed the missing down payment. 

Because of these failures, the loan balance being reported to the credit bureaus is inaccurate. The lenders lack of written response has prevented me from resolving this issue directly. 

I am requesting that the CFPB require Carvant Financial to : Respond in writing, Provide documentation of the account history, Confirm how the {$5000.00} down payment was applied, Correct the account balance if necessary, and Stop refusing written communication. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

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. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted all 3 credit bureaus all have been asked if you file for bankruptcy XXXX  XXXX and then withdraw the bankruptcy voluntarily If you have an account such as a car note that had nothing to do with the bankruptcy filing.the account is active and I have never stopped paying nor have I ever been late. This loan is active until next year. Should this be reporting to all credit bureaus they all told me yes. They told me to contact XXXX. The part XXXX dont understand how are you getting all payments on time but not reporting an active account to the credit bureau.I get a letter stating Im still responsible of course I am. I have never stopped paying and have never been late. The loan has payments up until next year.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX reported a 90-day late payment in XX/XX/year> on my student loan, but I was not aware that a payment was due at that time. I did not receive clear or timely notification that my account had entered repayment or that a payment was missed. No alerts or correspondence indicated that the account was becoming delinquent, let alone approaching a 90-day status. I have always been a responsible borrower, and I addressed the balance immediately once I became aware of the issue. 

I contacted XXXX to explain that I never received proper notice regarding the due date or the delinquency. I requested a correction or a goodwill adjustment, but I did not receive a meaningful or helpful response. The 90-day late mark has significantly harmed my credit despite the fact that the situation stemmed from a lack of communication, not intentional nonpayment.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to you regarding your continued collection activities on an alleged debt that you claim I owe. Let me be absolutely clear : I dispute this debt and I am now formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please also take notice that any attempt to continue reporting this account to the credit bureaus without providing complete validation of the alleged debt is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting inaccurate or unverified information damages my credit profile and exposes your company to liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am XXXX XXXX, and I am filing this complaint because Capital One opened a fraudulent credit card account in my name in XX/XX/year> as a result of identity theft. This unauthorized account currently carries an outstanding, fraudulent debt of {$260.00}. Despite being an ongoing victim of identity theft, I have been unable to create an official Identity Theft Report through XXXX because the website and its related services are unavailable due to the current government shutdown. This inability to secure the critical federal document further compounds the difficulty of disputing this fraudulent account. I have, however, contacted Capital One 's fraud department and successfully placed a security freeze on my credit reports. I request that the CFPB compel Capital One to immediately close this fraudulent account, reverse the unauthorized {$260.00} balance, and ensure its permanent removal from all my credit reports, recognizing that my lack of an FTC report is due to an external government failure, not a lapse in my diligence. I did however report to the FBI database

Company response to consumer: Closed with explanation