vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Subject : Refund Not Received from Hyundai Motor Finance To Whom It XXXX Concern, I am filing a complaint against Hyundai Motor Finance ( XXXX ) regarding a refund that has not been issued to me. 

Name : XXXX XXXX Account Number : XXXX Vehicle : XXXX XXXX XXXX Refund Amount Due : {$2500.00} Date Vehicle Was Paid Off / Refund Expected : XX/XX/XXXX I paid off my account on XX/XX/XXXX, and I was informed that a refund of {$2500.00} would be issued due to a warranty refund etc. Firstly, one check needed to be reissued because of an incorrect address which I called about on XX/XX/XXXX. However, as of today, I have not received the refund. I have contacted Hyundai Motor Finance multiple times by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but I have received no resolution. 

I am requesting that Hyundai Motor Finance issue my refund immediately and provide written confirmation. 

Please investigate this matter and take appropriate action to ensure XXXX complies with its obligations. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX of 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 2025-07-20 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: Experian Information Solutions Inc.
State: FL

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 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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged a {$35.00} overdraft fee on a {$20.00} transaction, and I was told my one-time courtesy was already used. I brought this up to customer service, and they werent able to help. Ive been a customer with Wells Fargo and try to be responsible with my account. Im just asking for a fair review this overdraft made my account negative and forced me to pay {$55.00} I wasnt prepared for. Thats a major hit for me right now, and Im hoping you can do the right thing and reverse this as a goodwill adjustment. They said since I used XXXX XXXX XXXX LAST YEAR XX/XX/year> I cant use it again but there nothing for them to do so Im reaching out to you guys for me to get at least an option here because I did not with Wells Fargo

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 2025-07-20 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: IL

Complaint narrative:
Subject : Formal Complaint Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX Equifax ) Dear CFPB Representative, I am submitting this complaint regarding an unresolved and inaccurately reported collection account from XXXX XXXX XXXX ( Account # ending in XXXX ) that continues to be reported improperly on my Equifax credit file, despite a formal dispute. I believe Equifax and XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act ( FCRA ), particularly 1681i and 1681e ( b ), for failing to maintain accurate and complete consumer reporting. 

Account Details : - Original Creditor : XXXX XXXX Furnisher : XXXX XXXX XXXX Account Number : Ending in XXXX - Balance : $ XXXX High Credit : {$690.00} - Date Opened : XX/XX/XXXX - First Delinquency : XX/XX/XXXX - Last Reported : XX/XX/XXXX - Account Status : Marked as both CLOSED and OPEN ( conflicting ) - Account Type : Debt Buyer Collection / Retail Issues : 1. The account is marked as both CLOSED and OPEN, and listed as COLLECTION, which is inconsistent and misleading.

2. The account continues to report C ( collection ) codes monthly with no actual payment activity, suggesting continued re-aging and unfair scoring impact.

3. Monthly balance entries show no activity since XX/XX/XXXX through XX/XX/XXXX, but the debt remains reported as active with no updates to reflect resolution. 
4. The date of first delinquency ( XX/XX/XXXX ) is earlier than the listed open date ( XX/XX/XXXX ), suggesting potential unlawful re-aging of the debt. 
5. The dispute only resulted in a Consumer disputes account notation, without correction, verification explanation, or deletion indicating a failure to conduct a reasonable reinvestigation. 
XXXX. Narrative Codes : XXXX Consumer Disputes This Account Information ; XXXX Collection Account ; XXXX Reinvestigation In Process ( No result provided ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In 2023, multiple accounts were opened using my information without my consent or knowledge. This has caused my credit to drop significantly and prevent me from getting housing and auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Financial Business and Consumer Solutions.
State: AZ

Complaint narrative:
I paid off my debt and it was still sent for garnishment. 

XX/XX/year> Payment plan of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AL

Complaint narrative:
Loan taken out in XXXX  : two {$3000.00} loans for books, computer, etc. Loan is almost up to {$15000.00}. Been faithfully making payments, but balance increases instead of decreasing. So, upon death this loan should be paid in full- the only option AES offers. See attached XXXX payment history showing principal balance increasing. XXXX XXXX -- asked AES to adjust interest during COVID-19 but will not budge. I had a similar loan with XXXX and paid off due to XXXX 's interest adjustment. AES has no humanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

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 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 2025-07-20 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: FL

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 2025-07-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA XXXX B this information must be blocked within XXXX  days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-20 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: LEXISNEXIS
State: FL

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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
An RV dealer charged me {$1400.00} for an XXXX. After I signed the agreement, the dealer told me it was their closing time and they could not provide the XXXX.

I notified the lender about this fraud the next business day. I informed the lender that the dealership had the RV and I did not want the loan funded. I asked the lender repeatedly to speak to someone in their legal department and was denied. I was only provided an email address, so on day two, I put my notice in writing to their email address. I also sent a certified letter notification of Consumer fraud. I requested the lender submit a Suspicious Activity Report to the XXXX XXXX XXXX XXXX. At no point have I ever been able to speak with or obtain a response from the lender and the lender has funded the fraud. This is bank fraud and the lender is now an accomplice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX illegally placed an unauthorized tradeline on my credit report without my knowledge or consent. I have * * never applied for, used, or authorized * * any account with XXXX XXXX or their banking XXXX XXXX XXXX Bank. 

* * Key violations * * : XXXX. * * FCRA XXXX * * : No permissible purpose for accessing my credit file. 
XXXX. * * FCRA XXXX ( f ) * * : Failed to notify me before reporting ( required by law ). 
XXXX. * * XXXX XXXXXXXX * * : Sold my data to credit bureaus without consent. 

* * Evidence * * : - Credit report shows fraudulent " XXXX XXXX XXXX Bank '' tradeline dated [ 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit report that has not been corrected by [ XXXX/Equifax/XXXX  ] XXXX XXXX XXXX disputes. 

These items include but are not limited to : Charged-off accounts Collection accounts that were never validated Paid collections still reporting negatively Unauthorized hard inquiries Repossessions reported inaccurately I have included my detailed dispute letter citing violations of FCRA 609 ( a ), 611, and FDCPA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
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. 

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 XXXXXXXX 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 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 2025-07-20 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XXXX XXXX charge at XXXX XXXX for XXXX XXXX paid in full. after paying charge in full i was charged the same day a XXXX interest fee for 2 weeks I have called requesting my electronic statements which since I am on paperless I am legally suppose to receive .. and I am quite sute interest is not allowed on a two week period. this is the second time since XXXX of XXXX  i have had to report this bank on improper account issues. the card in question is carecredit. this is not the first time this year this has happened.

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 2025-07-20 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA XXXX B this information must be blocked within XXXX days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-20 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: DC

Complaint narrative:
There is a fraudulent credit card account ending in XXXX from XXXX XXXX on my credit report. This is not my account. I am a victim of identity theft and have an Identity Theft Report with FTC. I request to delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: DC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

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

Company 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