vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

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 2025-06-25 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: WA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report ( XXXX XXXX / XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my Experian credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The item in question is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I believe it reflects an incorrect balance that I do not owe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance reported is not accurate. I do not owe this amount, and request that it be DELETED FROM MY REPORT BECAUSE IT IS Affecting my CREDIT REPORT Please conduct a thorough investigation of this item. Under the FCRA, you are required to investigate and respond within 30 days. If XXXX XXXX  can not verify the accuracy of the information, it must be removed from my credit report. 

I am attaching a copy of my credit report with the disputed item highlighted, as well as any supporting documentation I have related to this account ( e.g., payment records, correspondence ). 

Please confirm in writing that you have received this dispute and that an investigation is underway. I would also like a copy of the updated credit report once the matter is resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX I have been calling them since XX/XX/XXXX about this and they still have not resolved this and I can get all the Notes and Records when I called in.

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 2025-06-25 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:
" I have repeatedly informed Experian of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
I purchased a brand new XXXX Honda XXXXXXXX XXXX  under their Leadership Purchase Program which states that we can lease and turn in at the end of 3 years, trade it or keep it at the same payments without having to refinance until it is paid off. At the end of the 3 years period the dealership had me bring the car in to be inspected per the contract. This was in XXXX of this year. Everything was great and we stated we wished to continue to pay and keep the car. They stated they would notify Honda finance and that we would receive paperwork to continue. When I didnt receive paperwork I called the dealership back and was redirected to call the lease department of Honda finance so that we can straighten it out. I called then. It was XXXX at this point and was asked several questions by the gentleman and expressed we were keeping the car and he said great everything was taken care of. Since then I have received no mail, email or phone calls of correspondence asking for anything further. They were taking our regular payments this entire time. On Saturday XX/XX/XXXX a tow truck driver showed up and repossessed my vehicle. I called Honda to see why this was happening and was told that someone named XXXX from their offices has been handling our account and has been calling weekly to reach us and no one has called back to take care of our lease and so they recovered the vehicle. I explained to the person this was not the case and neither my husband or I have received any calls. They said because I didnt sign some form saying we were keeping it is why the retrieved the car. I asked about the legality of this but they said we were in the wrong. They did look back at the call from XXXX where I called and expressed that we were keeping the vehicle but it wasnt documented correctly so at that point it wasnt taken care of even though he told us it was. They also looked and said yes we have never missed payments. Im was then told I had to wait until Monday to call recovery to try and get my car back. When I did they said it wasnt processed and I had to wait 48 hours and call back. I called back today, XX/XX/XXXX and the guy said I cant just recover my car that I now have to pay a balloon payment of just over {$27000.00} or refinance to get it back. To do this would make my payment more than {$100.00} more a month than they currently are making it unaffordable and we shouldnt have had to per the co tract we signed when we got the car. I asked for management to talk to me and was met with extreme rude behavior and told that if they decide to contact me it would be another 48 hours for response which will then be nearly a full week from this unlawful incident. How can I go about recovering my vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XX/XX/XXXX or XXXX, someone broke in my car and stole my entire wallet. Due to me being on vacation I didn't realize my wallet was gone until before I left to go back home. During this time someone used my debit card, withdrawing about {$3900.00} from my debit card. They used my last 4 of my social security number as my pin, which my social security card was also in my stolen wallet. I can see on my transaction history that my card was us at a capital one ATM and due to the amount taken out which is only authorized at capital one ATM since using an outside bank only allows withdrawals of up to {$500.00}. So capital one has access to the camera for whoever used my card at this ATM of theirs. However, they have refused to ref my money, stating that due to further investigation needed I can not receive a temporary credit on of my money and I have to wait until the full investigation is over. This is ridiculous and unacceptable, I need my myi have bills to pay and will suffer seriously financial set backs as in losing my house and car if I can not pay my bills. I know it does not take that long to review cameras to see who used my debit card. Capital one is attempting to avoid replacing my money in a timely manner as everyone else is afforded for no reason at all. Literally I asked why I would receive my credit in the 3-4 business days I was told and they replied they couldn't answer that question, only stating I would have to wait and no credit would be given. I want to be treated as any other customers of theirs would which I am not being and I need my money asap as I will be out of house and home with out my money that's been stolen at no fault of my own. And with no explanation to offer I feel as if I am being discriminated against by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took a loan out to help purchase a heater/ac unit XXXX 
I was led to believe that the payments I agreed to paying was to go towards the loan balance. NOT interest alone. 
Each month that I make a payment I am forced to " Renew '' the contract which states I will pay the loan back in one lump sum. So, I am basically paying them monthly to hold onto my car title. 
I can not afford to keep up with the payments and desperately need to get my car title back. Please, if you could help in anyway. Thank you so much for your time on this. 
- Amount borrowed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of today 's date, total amount that has been paid= XXXX Next Due date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
I want to dispute the reporting of an account in my credit file by Bridgecrest, which I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681 Section 602, Congress has determined that every consumer has a right to privacy, and that this right must be protected in connection with the reporting and use of consumer credit information. Further, 15 U.S.C. 1681b [ Section 604 ( a ) ( 2 ) ] states that a consumer reporting agency may only furnish a consumer report with the written instruction of the consumer. To date, I have not provided any such written authorization allowing my personal credit information to be accessed or reported by Bridgecrest. This unauthorized furnishing and reporting of information without my explicit consent is a direct violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
ive had an business account at navy federal for years. I drafted a check and it bounced. I told navy federal I would pay it back and make sure it never happens again and it was denied. I've had this account open for years and I need my account back opened RE : Formal Complaint Against Navy Federal Credit Union FCRA, ECOA, UDAAP & Consent Order Violations Dear CFPB, I am filing this formal complaint against Navy Federal Credit Union ( NFCU ) for their refusal to reinstate my personal and business checking accounts, as well as their involvement in unlawful overdraft practices, and denial of a fair appeals process in violation of multiple federal statutes. 

NFCU closed my accounts citing overdraft activity. However, I attempted to settle the matter and filed a security appeal which was subsequently denied without valid explanation. This conduct violates several federal laws and recent CFPB directives, including : - * * FCRA ( 15 U.S.C. 1681s-2 & 1681m ) * * NFCU failed to disclose if third-party data ( e.g., XXXX ) was used XXXX and if so, did not allow me a chance to dispute the record. 
- * * ECOA ( 15 U.S.C. 1691 & 1691 ( d ) ) * * NFCU arbitrarily denied my reinstatement and failed to provide a written explanation for the denial as required. 
- * * CFPB XXXX XXXX XX/XX/2024 * * NFCU was ordered to refund unlawful authorized-positive overdraft fees. If my account was closed for such a fee, I am owed relief. 
- * * UDAAP under 12 U.S.C. 5531 * * Their actions constitute unfair and abusive practices that harm consumers and restrict access to financial services. 
- * * UCC 4-401 & 4-402 * * NFCU may have dishonored or closed my account improperly, potentially without lawful authorization. 

As a consumer who acted in good faith to resolve any issues and restore banking services, I believe I was treated unfairly and unlawfully. I respectfully request that the CFPB : 1. Investigate NFCUs account closure practices and handling of overdraft fee disputes. 
2. Review whether my situation qualifies for refund relief under the XX/XX/2024 Consent Order. 
3. Ensure NFCU complies with FCRA, ECOA, and UDAAP standards and reinstates my accounts or provides lawful justification. 

This complaint is submitted under full reservation of rights, including UCC 1-308. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Collectors International, Inc.
State: FL

Complaint narrative:
Debt collectors international ( DCI ) address XXXX XXXXXXXX XXXX XXXX XXXX XXXX phone number XXXX called me today XX/XX/year> first call out of many calls was at XXXX. These people discriminated me, verbally abused me over the phone, harassed me over the phone stating that they are going to call the XXXX XXXX XXXX Department and put a warrant out for my arrest because me and the agent got into a big argument for a debt that is not mine it is for XXXX XXXX XXXX my XXXX partner this debt I have nothing to do with because XXXX claims where the debt was sent from to XXXX XXXX claims information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX these people were the original people from dairons claim but I never had anything to do with this nor I have consent for XXXX claims to have my information nor share this to any debt collector I wish for these companys to both put a complaint because of this abusive behavior from XXXX and when I called XXXX claims and told them this information the agent told me that the XXXX will call me in an hour to 40 minutes and they havent called me back I also would like for this debt collector company to be sued or be cited for this situation please feel free to call me at XXXX my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I am a single mother of XXXX babies, i was going through a divorce, my car broke down, i lost my job and had no help or support taking care of everything by myself. I requested to do a loan modifications, but my ex husband refused to sign it. After he refused and I was rejected they added extra money onto my loan about extra {$3000.00}. Then they told me I needed a quit claim deed to take him off the loan so I can modify the loan on my own. I got the quit claim deed and tried for the loan modifications again before it went into foreclosure. When I presented the quit claim deed they told me I needed to get him off the deed of trust, I went to the XXXX XXXX and asked the women there. I was put into an entire circle. Turns out when the lady in charge of the chancery court called me the only way you can take someone off the deed of trust is to refinance and then I could take him off through the loan company. Then mr. Cooper loan company told me I had to get my XXXX XXXX to sign it with a notary to modify my loan. Mr. Cooper has ran me in circles, stressed me out, and when I decided to sell i called Mr cooper to inform them. They gave me a pay qoute date but never sent a pay out qoute in the mail. Then I got a contract with a buyer requested it again and still never received it. The week of closing they added {$4000.00} more to closing when the realtor had already talked to them and received pay out qoutes from them. They are taking away money I was supposed to receive during the closing, now they have me owing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief