vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
After reviewing my credit file, I noticed several hard inquiries that I did not authorize. I take the protection of my personal information very seriously and am concerned about the presence of these entries.

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 2025-07-29 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: Experian Information Solutions Inc.

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

Company 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DMB Financial, LLC
State: MO

Complaint narrative:
Received receipts for one creditor and was told all creditors were paid except one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I have purchased a vehicle from XXXX ( XXXX XXXX ) and the loan was issued with Hyundai XXXX XXXX 

The loan has been paid off in full in XXXX, after which I have requested the vehicle title to be mailed to me from Hyundai XXXX XXXX XXXX XXXXXX/XX/year>. 

The next day ( XX/XX/year> ) received the confirmation that the title release has been completed and will be mailed shortly. Since that, never received the title. 

After calling multiple times to the Hyundai XXXX XXXX  customer support service, still no title in hand as of XX/XX/year>XXXX   ( 2 months since it has been presumably, released )

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, Navy Federal Credit Union ( NFCU ) froze my checking account without prior notice. I can log into my account online and see my balances, but I can not access my debit card, ATM, or make payments to my delinquent credit card or loan accounts even though I am trying to resolve them. 

NFCU customer service told me my funds will remain frozen until all delinquent accounts are brought current. Meanwhile, all deposits into the account have been frozen. I can not access funds to pay for basic necessities such as food, fuel, or bills. This has led to declined business transactions and personal hardship. 

These practices are not only unethical, but in clear violation of the CFPB 's XXXX XXXX XXXX against NFCU, which specifically prohibited freezing access or blocking payments for delinquent members. I am requesting an investigation, immediate release of account access, and enforcement action against Navy Federal Credit Union for repeat violations.

Ive been unable to pay essential bills or support my business operations. The financial impact has exceeded {$45000.00} in direct and indirect losses, and I continue to suffer serious emotional distress. NFCU has effectively held my income hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
I am writting this letter to inform you of fraudulent inquiries that are on my conduner report. I did not apply for anything nor intend to. Please remove XXXX ( XX/XX/year> ) I am not liable for this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I am filing this complaint against Zion Debt Holdings and Brinks for inaccurate credit reporting and double billing. 

On XX/XX/year>, I paid Zion Debt Holdings in full for a collection account originally tied to XXXX. Despite confirmation of this payment, both Zion and XXXX continue to report a balance on my credit reports. This is not only incorrect, it is damaging and misleading. 

It appears that both entities are attempting to collect or report the same debt, which constitutes duplicate reporting and a potential violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this directly and requested removal, but neither party has made the necessary corrections. 

I am requesting that the CFPB investigate the following : Why both Zion and XXXX are showing a balance on an account that was paid in full Why the account remains on my credit file with inaccurate information Whether this constitutes double billing or improper debt collection I have attached documentation, including : Proof of payment made to Zion Debt Holdings dated XX/XX/year> Written confirmation of payment from Zion Copies of credit reports showing both entities reporting the debt with a balance This matter is negatively impacting my credit and needs immediate correction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This is now the third time I am submitting a complaint regarding this matter. Portfolio Recovery continues to withhold the documents I formally requested. If they legitimately own the alleged debt in question, they should have no difficulty providing the documentation necessary to substantiate their claim. Their repeated failure to do so constitutes a clear violation of my consumer rights. 

Portfolio Recovery is not above the law, and legal standards require them to follow proper procedures to establish proof of ownership. I am formally demanding that they provide all documents outlined in my original request. The materials submitted in response to my previous complaint do not fulfill this request and do not correspond with the alleged balance they are attempting to collect. Additionally, rather than supplying the required documentation, they sent a payoff letter, which is not an appropriate or lawful response. 

Most recently, they responded to my letter by sending identity theft forms, which I never requested, yet they still failed to provide the documentation I originally asked for. This further reinforces my concern that the company is intentionally avoiding compliance with consumer protection laws. 

Given these actions, I have reason to believe that Portfolio Recovery is not acting in accordance with applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have mailed Disputes on the accounts with no response. I requested a Full Accounting of all charges. Now they are filing a lawsuit threatening to garnish wages and take my bank account.

1 account is past collection and reporting - still after me.

2 accounts I have Disputed = no response. They are demanding payment for the accounts well above the account limits- some are over double.

In addition, one creditor filed XXXX  and closed accounts making it impossible to try to settle it. 

I am willing to pay what I owe but these amounts are incorrect and robbery. In addition, they use strong arm tactics to scare and force you to pay these exorbitant - unfair and incorrect amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To pay off my balance due of {$1300.00} buy XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am writing because I feel like I have been a victim of discrimination and prejudiced. I contacted titlemax today around XXXX And was on call for over XXXX hours to setup payment arrangements for the amount of {$250.00} and several representatives told me I was not approved because its based on there decision and the decision from a manger. I asked why cant I pay {$250.00} and this is the same amount I have paid for the last XXXX  months. The associated then transferred me to a manage XXXX who continue to refuse the payment arrangement, she also could not provide a reason why I was not able to make the payment. XXXX states she reviewed the account and she saw where other representatives secured my car in the past with the same amount for {$250.00}, but today she states she cant do it. I continue to ask the XXXX why and she never gave me an answer. I even asked the XXXX to go back and listen to the recordings of other representatives telling me they will accept the {$250.00} and confirmed my car being secured. The XXXX and other associates stated it depends on the worker at that XXXX day and time if you can get your car secured for a payment of {$250.00}. The XXXX also stated that {$250.00} is not enough and I need to make a payment over {$1400.00} for 30 % of balance due which is {$4700.00}. I informed the XXXX that for the past year since the policy went into effect I have never paid an excessive amount like that. The XXXX continue to state it is required. I informed the XXXX why is my payment higher and my current balance is lower than it has been ever. She refuse to transfer me to another XXXX and stated she is the highest XXXX and no one else was available. XXXX also stated that I can do a good faith payment of {$250.00} but no guarantee to secure my car. I also informed her that I spoke with a representative who called my phone several times last week from Title max and asked me for a payment of {$250.00} to secure my car. I informed XXXX that months ago I was offered to pay {$2000.00} to settle and get my title back, so why would I have to pay over {$1400.00} to secure my car. I am a victims of discrimination and prejudice. Why would they wait until I owe half of the XXXX and now deny my payment arrangement. I also asked for call recordings because each representative stated the calls are monitored. XXXX refused and stated even if she to listen to them I still have to pay more then {$250.00}. Also I was transfer to consumer complaints and the representative there stated she didnt understand why I was denied, she reviewed my payments and stated she dont know why I refused the same payment for {$250.00}. Also I was transferred to customer relations XXXX, who stated she was sorry and she make a compliant to escalate to higher XXXX. I was not helped and these are the same representatives that has been accepting the {$250.00} payments in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have asked already to remove as Auth, Signer and delete from each of of their credit reports. As of today all three still show as Auth. Signer on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-07-29 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$20000.00}, XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX balance {$9100.00}, XXXX  XXXX XXXX  balance {$12000.00}, XXXX XXXX  balance {$21000.00}, XXXX XXXX XXXX balance {$1400.00}, XXXX XXXX XXXX {$510.00},

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 2025-07-29 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. 
The following fraudulent accounts/transactions have been identified : InquiresXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.

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 2025-07-29 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: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines.

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus.

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
According to 15 usc 1681 | have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
They charged large amount of money to close my account an chime refused to close my accounts if I didnt pay

Company response to consumer: Closed with explanation