vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I applied for a small short term loan due to an unexpected vet bill. 
I applied and received notification of approval. I never saw or received a copy of the loan agreement even after multiple requests. The only information was limited on the payment portal, it would only show my payment due date and installment amount. the loan was only {$700.00}. I made XXXX payments in the amount of {$300.00} between XXXX and XXXX of this year. I kept getting emails saying my next installment was due. it's very difficult to reach someone but I kept trying advising I have repaid the loan plus interest. 
Now I'm getting harassing calls on my cell and at work, even though I have asked them to stop.

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 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding my vehicle loan with Navy Federal Credit Union. I have serious concerns about how my account has been managed, and I feel that I have not been treated fairly as a customer seeking genuine assistance during a difficult financial period. 

In 2023, I took out an auto loan in the amount of {$50000.00}. Despite having made numerous payments and receiving multiple deferments, my current loan balance is still {$48000.00}. This is extremely troubling. It appears that none of my payments have gone toward reducing the principal, and the balance barely changes due to the outrageous daily interest charges. 

At no point was I properly informed that interest would continue to accrue daily during the deferment periods. These deferments were presented to me as a form of support during a time when I was transparent about my financial hardship. I accepted them in good faith, trusting that Navy Federal was offering real relief not a financial trap. 

Adding to the issue, I have noticed that my interest rate has increased throughout the loan, making it even harder to make any progress in paying off this debt. This ongoing rise in cost, coupled with how my payments are being applied, makes it nearly impossible to reduce the loan and work toward ownership of my vehicle. 

Instead of being provided with meaningful assistance, it now feels as if Navy Federal used my financial difficulties as an opportunity to generate profit. That is not only unethical I believe it borders on predatory behavior, especially for a financial institution of your size and reputation. 

Im requesting a fair and transparent resolution so that I can regain control of this loan and move toward financial recovery. 

Please consider this my formal complaint and provide a prompt, written response. I look forward to resolving this issue in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
This item was purchased by a third party XXXX Collector. This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the third party debt collector. How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate and complete.DELETE THIS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off account listed as XXXX on my credit report. This account contains multiple serious inaccuracies, is incomplete, and violates my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX. I disputed this account before and wasnt taken serious, XXXX  deleted the fraudulent account as soon as they found out about this violations, IM MAKING TRANSUNION AND EXPERIAN AGENCIES RESPONSIBLE FOR THIS VIOLATIONS. Im uploading a formal letter explaining the violations, a identity theft report and other important documents related to this case.

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 2025-05-08 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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: CA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of XXXX USC XXXX. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-08 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: GA

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 2025-05-08 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I AM WRITING THIS BECAUSE I AM A VICTIM OF XXXX XXXX UNDER ADVERSE 605C. THIS PROBLEM IS CAUSING ME LOTS OF ISSUES AND THERE IS A LOT OF FRAUDULENT INFORMATION REPORTING ON MY CREDIT PROFILE THAT I NEED REMOVED. PLEASE SEE ATTACHED DOCUMENTS FOR FURTHER SUPPORT.

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 2025-05-08 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-08 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
My TransUnion credit report contains several inaccurate charge-off entries that are severely damaging my financial profile and causing immense stress. The XXXX  account ( XXXX * * * * ) from XX/XX/XXXX is listed with a substantial balance of {$6800.00}, yet this account has not been properly validated, raising serious concerns about its accuracy. Similarly, the XXXX account ( XXXX * * * * ) from XX/XX/XXXX shows a {$0.00} balance but remains listed as a charge-off, which is misleading and unjustly impacts my credit score. The XXXX XXXX account ( XXXX * * * * ) from XX/XX/XXXX, reflecting a high balance of {$6600.00}, has also been inaccurately reported, and the XXXX account ( XXXX * * * * ) from XX/XX/XXXX similarly shows a {$0.00} balance but is incorrectly marked as a charge-off. These inaccuracies not only undermine my financial stability but also suggest a potential data breach, which is deeply concerning given the sensitive nature of my financial information. This clear mishandling of my credit data violates my rights under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), which require accurate, fair, and properly verified 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: American First Finance, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I've walked in to a furniture store known as XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and make an order of furnitures set for my Duplex short rentals. These includes : XXXX ( XXXX ) bedroom sets with mattresses 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 ; TV Table ; and Tables with ceramic top amounting to {$3800.00}. Their Funiture Loan Financing known as American First Finance approved the transaction for {$3500.00} and I paid the balance of {$320.00}. with my personal credit card. I was promised that they will make a delivery in a less than a week because the place was scheduled for photo shoot for XX/XX/XXXX and I need to be back in XXXX XXXX by then. I've been calling them until they went to my duplex place without advising me of their delivery on XX/XX/XXXX, they just placed the items in the covered garage, with one of their worker. When I saw the deliveries, I found out that these is not the items that I've ordered from their websites, stated above. I told to their guy worker and and we called the owner named XXXX XXXX about the wrong deliveries with XXXX dirty mattresses and he said that they will come back with the right deliveries. We've waited up tol XXXX but nobody came. Then I called and emailed American First Finance to reach out with their merchant vendor for intervention or cancelled my loan approval application on this furniture failed deliveries on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-08 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Issue Type : Incorrect information on credit report Company Name : Experian Complaint : I am reporting Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681s-2.

I submitted two rounds of disputes to Experian regarding XXXX XXXX, where inaccurate payment history has been reported as " {$0.00} '' since the opening of the account. Despite providing Experian with written disputes and evidence, the bureau has failed to correct the information. 
Experian 's most recent investigation concluded in just 3 days and simply stated : " This item was updated from our processing of your dispute in XX/XX/year>. '' However, no substantive correction was madethe payment history remains inaccurate, and the item continues to harm my creditworthiness. 
This indicates a failure to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and a failure to ensure accuracy in reporting under 1681e ( b ).

I am requesting that the CFPB investigate Experian for : Failing to conduct a lawful, thorough investigation Failing to correct clearly inaccurate information Continuing to furnish information that is knowingly false I am requesting a full deletion of the inaccurate item ( s ) from my credit report or a proper reinvestigation and correction per federal law. 
I am also attaching : Copies of my dispute letters Experians responses Updated credit report showing inaccurate info XXXX XXXX card receipts Requested Resolution : Delete all 3 accounts entirely from my credit report. Hold Experian accountable for FCRA noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief