vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: MA

Complaint narrative:
I am submitting this complaint regarding XXXX handling of my request for a Deed in XXXX of Foreclosure and the conflicting information I received during the loss mitigation process. 

I applied for a Deed in XXXX and was informed that my request was denied because I was current on my mortgage and my XXXX XXXX was considered too strong. However, during multiple conversations with LoanCare representatives, I was advised that I needed to be current in order to be eligible for review for a Deed in XXXX. I relied on this guidance and pursued this option in good faith. 

Since that time, my financial situation has continued to deteriorate. I did not make the XXXX mortgage payment, as I had to secure housing in Massachusetts and continuing to make payments was no longer financially sustainable. Prior payments were made by exhausting savings, and default is now imminent and unavoidable. 

Additionally, the property is now vacant, which increases ongoing costs and risk. Despite these material changes and documented hardship, my request was denied without meaningful consideration of vacancy, imminent default, or whether a Deed in XXXX would be the least costly alternative to foreclosure. 

XXXX decision appears to be based solely on prior payment status and XXXX XXXX rather than my current and forward-looking financial hardship, and the conflicting guidance I received regarding eligibility created unnecessary confusion and delay.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Opened account on XX/XX/XXXX using promotional code XXXX which said terms needed for {$200.00} payment was direct deposits for XXXX  months of {$2000.00}. I made payroll direct deposits on XX/XX/XXXX, XXXX, XXXX of {$2000.00}. Payment would be XXXX  days after the XXXX deposit per the terms. 

In XXXX I called and was told I achieved the terms and should expect payment soon. Payment did not arrive so I called in XXXX. Representative said again I achieved the terms and should get payment in another XXXX  days. In XXXX XX/XX/XXXX I called again and was told another XXXX  days. Representative confirmed Ally is XXXX  days late and I should be getting payment.

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 2025-12-16 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX required an engine replacement. I contacted an auto repair shop in Indiana and requested an estimate. The shop stated they would check pricing for a NEW engine with their supplier and later called me back with a verbal estimate of approximately {$5600.00} total, including a NEW engine priced around {$4500.00}. I confirmed twice that this estimate was for a NEW engine. No written estimate was provided.

Several months later, when I was able to proceed with the repair, I returned to the shop. Before any work began, on or around XX/XX/XXXX, I paid a {$3000.00} deposit using my Chase debit card. At no point was I informed that a USED engine would be installed, nor did I authorize the use of a used engine.

The repair was completed on or around XX/XX/XXXX, and I was charged the remaining balance of {$2800.00}, bringing the total cost to {$5800.00}. I paid the {$2800.00} balance using my Chase debit card. 

After payment, I reviewed the final invoice and discovered for the first time that the shop had installed a USED engine with approximately XXXX miles, rather than the NEW engine that was originally quoted and agreed upon. I was never informed of this substitution and never authorized the installation of a used engine. Mileage on used engines can vary significantly, and installing such a critical component without disclosure or consent is unacceptable. 

I attempted to resolve this directly with the shop. They initially requested an additional {$1400.00} to replace the used engine with a new one, later offering to reduce it to about {$800.00}, which I did not accept. I even offered to pay a reasonable additional amount ( {$300.00} {$400.00} ) consistent with other shop quotes for a new engine replacement. The shop refused. 

This situation violates the Indiana Automotive Repair Act ( IC 24-5-13 ), which requires repair shops to disclose whether major components ( such as engines ) are new, used, rebuilt, or reconditioned, and to obtain explicit customer authorization before performing such repairs. Installing a used engine without my consent constitutes an unauthorized charge. 

I am submitting this complaint because Chase failed to properly investigate an unauthorized debit card transaction and did not require the merchant to provide proof of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is furnishing information to consumer reporting agencies that is inaccurate, misleading, and legally unverifiable in violation of the Fair Credit Reporting Act. 
The auto loan account was charged off and closed. However, XXXX continues to : Report ongoing monthly charge off statuses as if the account were still open and actively delinquent Furnish a fluctuating and unexplained balance after charge off Fail to provide documentary evidence substantiating the balance, payment history, or date of first delinquency This reporting creates the false appearance of continued delinquency and materially increases the negative impact of the account beyond what is legally permitted. 
I disputed this account with the credit bureaus. Despite this, XXXX verified the information without providing competent evidence or documentation demonstrating accuracy.

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 2025-12-16 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-16 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: NJ

Complaint narrative:
I see that accounts that should not be on my credit report are still appearing and they have not been removed. I urgently ask that the attached documents are carefully reviewed so I can finally have peace of mind and stop worrying about this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> {$13000.00} PERSONAL INFORMATION : XXXXEMPLOYER XXXX XXXXEMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding an improperly reported collection account that appears on my credit report. The account was reported approximately ten ( 10 ) months after I moved out of the apartment, without any prior written notice, billing statement, or opportunity to dispute the alleged debt, which is contrary to federal law.

At no point after vacating the apartment was I notified of any outstanding balance. I did not receive : A final account statement A demand for payment A notice of intent to place the account into collections Any communication from the original creditor or a collection agency Despite this lack of notice, the account was suddenly reported as a collection, which caused unjustified damage to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to proper notification and validation of a debt before negative information is furnished to the credit bureaus. Reporting a collection account without first providing notice or an opportunity to resolve or dispute the alleged debt is improper and unlawful. 

Upon discovering this account, I contacted Equifax and formally disputed the collection on the grounds that : 1. No notice was ever provided prior to collection reporting 2. The debt was reported nearly a year after move-out without explanation 3. The reporting party failed to validate the debt Despite these facts, Equifax refused to remove the account, even though the furnisher could not demonstrate that proper notice was provided.

I am therefore filing this complaint with the Consumer Financial Protection Bureau to request : A full investigation into this improper reporting Removal of the collection account from my credit file Confirmation that furnishers are complying with federal consumer protection laws I am requesting the CFPBs assistance to ensure my rights as a consumer are protected and that inaccurate and unlawfully reported information is corrected.

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am writing to dispute the following information appearing on my credit report for the three major credit bureaus, as listed below. I am requesting the prompt removal or correction of the items that I believe to be inaccurate or incomplete. Kindly review the details and take the necessary action as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6900.00} Late Payment XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not received any response its been over two months since my first letter, then i sent a second letter both certified and there where still no response. According to 15 US Code 1682e ( b ) - Compliance Procedures, the credit agency suppose do their job and make sure the information they are reporting is maximum accurate. According to 15 US Code 1611-Criminal Liability for Willful and Knowing Violations i will be seeking civil as they are knowing reporting inaccurate and unverified information on my credit report.

Below will be the will attached evidence of docs i have sent previously

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On the XXXX of XXXX I tried purchasing babies clothes on the website XXXX for a total of {$44.00} using my credit card ending in XXXX. The transaction did not go through due to Navy Federal did not authorize it. I received a call from a representative after a second attempt of {$62.00}. I explained to her that I ordered some clothes on the website XXXX. She informed me that there are a lot of other charges which I informed her I did not authorize. I only authorized {$62.00}. I instructed her to unauthorize all other charges and block my card. So, we proceeded in ordering a new credit card. I did not authorize any other charges besides {$62.00} on my credit card on or after the XXXX of XX/XX/year>. I am not responsible for the total of {$5200.00} transactions. I do not know or ever order anything from the XXXX XXXX XXXX, or XXXX XXXX XXXX 

On XX/XX/XXXX, I received to letter in the mail XXXX letters, XXXX dated on XX/XX/year>, informing me that they have received my fraud claim, and the second one dated on XX/XX/year>, informing me that they have found that a billing error did not occur. 
On XX/XX/XXXX, I called to understand the meaning of the letters and explained again that I did not authorize the charges. The representative advised me to go to a branch to speak with someone or send an emessage about the investigation. 
On XX/XX/XXXX, I sent a message to explain the situation with the name of the website, requesting a reinvestigation, and a written explanation of how the investigation determined the transaction were authorized. 
On the XXXX I received a response without the documents. 
XXXX XXXX wrote : Thank you for your message. Your appeal has been submitted for review ; it will be worked in the order in which it was received. Currently, there is no specific time period ; however, your appeal will be worked as swiftly as possible. Please note that provisional credit is not issued during the appeal process. If our review is ruled in your favor, any funds owed will be credited to your account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
My wife received a text message from Harris & Harris for a XXXX for my debt which disclosed personal data and amount owed. This debt was paid off via the XXXX  XXXX XXXX. My wife should have not received an attempt to collect a debt that pertains to me with personal information regarding the type and amount of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I previously disputed this tradeline with Experian and filed a CFPB complaint. Experian acknowledged the dispute and stated that it was still working on the investigation. However, Experian failed to properly reinvestigate and failed to comply with the Fair Credit Reporting Act. 

Experian claims it verified the account through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, despite the credit report clearly stating that the debt was sold to XXXX XXXX XXXX. XXXX through a non-owner of the debt is not a reasonable reinvestigation under FCRA 611. 

Additionally, the address Experian relied upon for verification is invalid and resulted in returned mail, making it impossible for me to contact the alleged furnisher or obtain validation. Despite this, Experian closed the investigation, continued reporting the account as verified, and failed to mark the account as disputed by consumer during the current open investigation. 

Experian has also failed to provide a lawful method of verification identifying the correct furnisher, the documents reviewed, or how the verification was performed. The investigation was therefore procedurally defective, unreasonable, and misleading. 

Because Experian verified this account using the wrong entity, relied on an undeliverable address, failed to properly code the dispute, and closed the investigation without lawful verification, this tradeline is procedurally unverifiable and must be deleted.

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 2025-12-16 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: FL

Complaint narrative:
My credit report is not being accurately updated. It started with my XXXX XXXX which are in forbearance. I been disputing to get a late payment removed because my account was put into forbearance before my credit report updated to show a late payment. Which I showed proof but nothing has been done. I also have credit cards I paid and settled on which has not been removed and showing late payments but shouldnt be late because the account was sent to a third party which I didnt agree to start a payment plan in the months they said I was late. Which i showed proof of account being settled. I just want my credit report to accurately show the correct score and not keep decreasing from mistakes on their behalf. This has been going on for the last couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is not being accurately updated. It started with my XXXX XXXX which are in forbearance. I been disputing to get a late payment removed because my account was put into forbearance before my credit report updated to show a late payment. Which I showed proof but nothing has been done. I also have credit cards I paid and settled on which has not been removed and showing late payments but shouldnt be late because the account was sent to a third party which I didnt agree to start a payment plan in the months they said I was late. Which i showed proof of account being settled. I just want my credit report to accurately show the correct score and not keep decreasing from mistakes on their behalf. This has been going on for the last couple of months.

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