vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I attempted to apply for a credit card and was told I needed up unfreeze my credit with Experian. I attempted to login on their website and could not remember my password. Tried the forgot password function and it says it will send me a link to my mobile phone which never arrives. I called the customer service number and the automated system only sends me a link that does not recognize my info to assist further. I have called back a dozen times asking for a live agent and the automated phone system states it can only send me to a live agent under certain circumstances. After asking for a representative multiple times the automated phone system ends the call. I have called the corporate office and dispute office and they keep patching me through to the automated system where it hands up on me again. Very frustrated with the lack of personnel and support when having trouble logging in to review my membership details and temporarily lift a freeze. I have looked online for help and found several other frustrated individuals with similar lack of live help. At this point I'm completely locked out of Experian and can not access my personal information there.

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 2025-07-08 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: SC

Complaint narrative:
In accordance with the tair credit reporting act XXXX Account # XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PRANCER CAPITAL CORP
State: PA

Complaint narrative:
Prancer CapitaXXXX, has not sent me what the vehicle was sold for and original account balance to updated account balance Under U.S. consumer protection laws, debt validation is a critical right that protects consumers from unfair debt collection practices. Heres a breakdown of key laws and how debt validation works in the context of repossession : 1. Fair Debt Collection Practices Act ( FDCPA ) Debt Validation Rights The FDCPA ( 15 U.S.C. 1692g ) requires debt collectors to provide a written validation notice within 5 days of first contacting you about a debt. 

The notice must include : The amount of the debt. 

The name of the creditor. 

A statement that you have 30 days to dispute the debt ( or request verification ). 

If you dispute the debt in writing within 30 days, the collector must stop collection efforts until they provide verification ( e.g., a contract, account statements, or proof of ownership ).

2. Repossession & Debt Validation If a vehicle or property was repossessed, the lender or debt collector must still validate the debt if requested. 

They must prove : You owe the debt ( original loan agreement ). 

The amount claimed ( including fees and interest ). 

That they have the legal right to collect ( if it was sold to a third party ). 

If they can not validate the debt, they can not legally continue collection efforts or report it to credit bureaus. 

XXXX. State Consumer Protection Laws Some states have stronger debt validation laws ( e.g., California, Texas, New York ). 

State laws may require : Additional notices before repossession. 

A right to redeem ( pay to get the property back ) or reinstate the loan. 

Strict rules on deficiency balances ( if the repossession sale doesnt cover the debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I'm a Used Dealership, and I'm having problems with NISSAN MOTOR ACCEPTANCE COMPANY LLC. I get a car as a trade, and was financing with NISSAN MOTOR ACCEPTANCE COMPANY LLC, I paid off the car and they never release the title. The lien from them still active to XXXX FL. I already sold that car for another customer and She complain about the title. I paid off XX/XX/XXXX, and so far the lien never comes out. I tried to call them, the customer tried to call them and they never resolve the problem. I don't know what can I do to resolve this problem. 

Customer Name : XXXX XXXX XXXX  : NISSAN MOTOR ACCEPTANCE COMPANY LLC Account : XXXX Car : XXXX  XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a project going on at my house in which i was tsking a heloc loan for. Requested checks, they never sent them, requested again and finally received them during XXXX XXXX XXXX XXXX and the job was slated to start on XX/XX/XXXX. I deposited a check for roughly XXXX. The next day my lender called and said they denied the check and needed to verify my ID so I sent them pictures of it. The money was still available in my checking account so on XX/XX/XXXX I went to the bank to get two cashiers checks for the fully amount. On XX/XX/XXXX my account was overdrawn by XXXX so I immediately wrote another check for the same amount as the original and they said funds would be reset the next day, XX/XX/XXXX, today. Today I received an alarming notice that they were going to close my account due to suspicious activity but this was all due to the check issue with my lender. Chase will not give me any info on why theyre actually closing my account and theyre saying all my funds are locked and theyll send me a check within 10 business days which seems absolutely asinine as I dont have another checking account nor a way to have my money. I need help please, this closure is completely unnecessary and I've been banking with them for over 15 years with no issues. I also now have no easy way to pay my chase southwest card since they locked the app as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX  XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00}

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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-08 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:
My credit report contained false information, so I filed complaints with TransUnion, Equifax, and Experian. After listing the accounts, I informed them of the infractions they were committing against my consumer report. Over XXXX  days have passed and they still haven't replied. Copies of every letter that was sent are shown here. 

By neglecting to label this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

As the date of the last activity on this account is reporting, 605 ( c ) is running if the period has also been broken. The last day a payment was made should be shown.

The FTC has determined that this company has violated FDCPA 809b by consistently failing to authenticate this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information being reported by Midland Credit Management on my credit report. I have not received validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The reporting agency has also failed to provide proof of legal assignment or the original signed agreement bearing my signature. In accordance with the Fair Credit Reporting Act ( FCRA ) 611 and 623, I request that this item be removed from my credit report if it can not be properly validated. This item is damaging my credit profile and has caused undue harm. I request that the CFPB investigate this matter and enforce the deletion of this account if proper documentation is not presented. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX  XXXX - Under 15 U.S Code XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX XXXX - XX/XX/year> - Did not consent to unauthorized inquiry. - Please remove. 

XXXX XXXX XXXX XXXX - XX/XX/year> - Did not consent to unauthorized inquiry. - Please remove. 

XXXX  - XX/XX/year> - Did not consent to unauthorized inquiry. - Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX  XXXX - Under 15 U.S Code XXXX ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 

XXXX XXXX XXXX - XX/XX/year> - Did not consent to unauthorized inquiry. - Please remove. 

XXXX XXXX XXXX XXXX - XX/XX/year> - Did not consent to unauthorized inquiry. - Please remove. 

XXXX  - XX/XX/year> - Did not consent to unauthorized inquiry. - Please remove.

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 2025-07-08 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: OH

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 explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Social security information credit report an identity thefts

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 2025-07-08 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: MO

Complaint narrative:
I'd discovered some fraudulent accounts on my consumer file ; The account was previously deleted as shown in attachment : XXXX XXXX XXXX XXXXXXXX However, I was never notified of the reinsertion of XXXX XXXX XXXXXXXX  within 5 business notice to consumer. This is a clear violation of FCRA. Also, how's the information verified as accurate? 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MO

Complaint narrative:
I'd discovered some fraudulent accounts on my consumer file ; The account was previously deleted as shown in attachment : XXXX XXXX XXXX XXXXXXXX However, I was never notified of the reinsertion of XXXX XXXX XXXXXXXX  within 5 business notice to consumer. This is a clear violation of FCRA. Also, how's the information verified as accurate? 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX. XXXX, XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/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