vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
I voluntarily surrendered my vehicle to XXXX XXXX in early XXXX. Despite this, they continued reporting missed payments for nearly XXXX years, which is inaccurate and misleading. The account is now listed as Charged off as bad debt with a {$14000.00} balance, even though XXXX XXXX of the original {$35000.00} loan was paid.They failed to provide documentation of the vehicle sale, did not notify me of my right to redeem or bid, and are reporting no payment history for the past XXXX  months. This violates the Fair Credit Reporting Act ( FCRA ) and may also breach Florida repossession law and UCC Article 9.This account is severely damaging my credit score and preventing access to basic financial tools.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 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: TX

Complaint narrative:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the XXXX Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

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 2025-12-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 Equifax Legal XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being. I am aware of my rights under the fair credit report act and I request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing this complaint regarding ongoing problems with the ATM machines at the Navy Federal Credit Union located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. On every occasion that I attempt to use the drive-thru ATM, the transaction does not complete. When I attempt to deposit cash, the machine takes the money and then spits it back out while displaying an error message. When I attempt to withdraw cash, the ATM also fails and issues an error message, preventing the transaction from completing. I retained one receipt as proof showing error code XXXX with the message Contact Your Issuer during a failed transaction on XX/XX/year>, at approximately XXXX XXXX, which reflects an amount of {$0.00} because the transaction was not completed. The {$0.00} amount does not mean that I attempted to deposit or withdraw XXXX dollars, nor does it reflect my account balance ; it reflects that the ATM failed to process the transaction. I typically discard receipts from failed attempts, but this receipt is representative of a recurring issue that has happened on multiple occasions. I have also experienced similar errors with the stand-up ( walk-up ) ATM at the front of the building, and I am requesting that all ATMs at this location be reviewed, as I should not receive error messages when attempting to deposit or withdraw funds. I am requesting that this issue be formally investigated and corrected so I can reliably access my funds without repeated errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-29 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently disputed inaccurate information appearing on my TransUnion credit report. TransUnion has indicated that the disputed item ( s ) were investigated ; however, I have not been provided with sufficient details demonstrating that a reasonable investigation was conducted.

Accordingly, please provide the following within fifteen ( 15 ) days, as required by law : The method of verification used to investigate the disputed information The name, address, and telephone number of the furnisher contacted The date the furnisher was contacted Copies of any documents or records relied upon to verify the accuracy of the disputed information Please note that automated or conclusory verification methods do not meet the FCRAs standard for a reasonable investigation. If TransUnion is unable to provide this information, the disputed account ( s ) must be deleted from my credit file immediately.

This letter is not a renewed dispute but a lawful request for verification details. Failure to comply will result in complaints to the CFPB, the State Attorney General, and potential legal remedies for FCRA violations. 

I disagree with TransUnion response. All of the accounts referenced in TransUnion reply including XXXX XXXX and XXXX XXXX XXXX were disputed as part of a documented identity theft investigation. 

I submitted identity theft documentation in support of my dispute, including proof of identity and supporting evidence, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). Once identity theft is properly alleged and documented, TransUnion is required to block the reporting of the fraudulent information, not merely verify or modify tradeline fields. 

TransUnionr esponse fails to address why these accounts were not blocked or removed despite my submission of identity theft documentation. Verification without disclosure of the actual evidence relied upon does not satisfy TransUnion statutory obligations.

I am requesting immediate compliance with the FCRA by blocking and/or deleting all information resulting from identity theft and providing written confirmation of the action taken. If TransUnion believes any account is valid, I am requesting full documentation supporting that determination, including the method of verification and the specific evidence used.

I reserve all rights under federal and applicable state law.

This letter serves as a formal request for the Method of Verification pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 7 ).

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 2025-12-29 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: I.C. System, Inc.
State: OH

Complaint narrative:
FORMAL DISPUTE DEMAND FOR PERMANENT DELETION Re : I.C. System Collection 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 2025-12-29 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for and was approved for a XXXX XXXX credit card through XXXX  XXXX XXXX, which included several promotional offers. One of those offers was a {$50.00} XXXX rebate for spending {$3900.00} within the first 90 days, provided the airfare was booked through XXXX. 
I met the spending requirement within the required timeframe and subsequently received a written approval letter dated XX/XX/XXXX confirming that I qualified for the XXXX rebate. On XX/XX/XXXX, I verified with my travel agent that the rebate was visible in XXXX XXXX system, and I was advised that it would be applied within XXXX weeks. 
Based on this confirmation, and because the rebate was already approved and visible in the system, I discarded the letter, as there was no indication it would be needed again. 
When it came time to make my final payment, I noticed the {$50.00} credit had not been applied. I was then informed by XXXX XXXX that the rebate could not be honored without the certificate number from the original letter. I contacted XXXX  XXXX XXXX credit card customer service 19 times attempting to obtain a replacement copy of the approval letter or the certificate number. 
My travel agent also escalated this issue with XXXX XXXX and they denied it multiple times. But when I called XXXX the agent would tell me they had no problem applying it and they could see it in the system. Yet it was never applied. 
Only one XXXX  XXXX XXXX representative took action by submitting a request for a letter to be mailed to me. However, the letter I received was not the rebate approval letter ; instead, it instructed me to call for more information. When I did so, I was told that the purpose of that letter was to prompt me to call so that another letter could be sent. I was given a certificate number for that correspondence and advised to wait an additional 10 days. 
That waiting period has now passed, and I still have not received the rebate documentation. In the meantime, I was forced to pay the {$50.00} out of pocket, despite having met all promotional requirements and having previously received written approval. 
XXXX XXXX has stated that the rebate is a XXXX  XXXX XXXX promotion, while XXXX  XXXX XXXX has repeatedly stated that they do not administer or handle XXXX rebates and that this is managed solely by XXXX XXXX. As a result, I have been left without a resolution, despite full compliance with the promotional terms.

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this complaint to dispute an alleged auto loan debt related to a vehicle repossession and to request assistance in obtaining proper debt validation and clarification regarding the statute of limitations. 

After the repossession of the above vehicle, I was informed of an alleged remaining balance. However, despite my requests, I have not been provided with adequate documentation to validate this debt. Specifically, I dispute the amount claimed and request verification that includes : A complete accounting of the alleged balance, including the original loan amount, payments made, fees, interest, repossession costs, and sale proceeds. 

Documentation showing the date and manner of sale of the repossessed vehicle and how the sale proceeds were applied. 

Proof that the creditor or collector has the legal right to collect this debt. 

Confirmation of the date of default and the applicable statute of limitations under my state law. 

Additionally, based on my records, I believe this debt may be time-barred under the applicable statute of limitations. If this is the case, continued collection activity or reporting may violate federal and state consumer protection laws. 

Despite the dispute, this account may have been reported ( or continues to be reported ) to consumer reporting agencies without proper validation, which I believe is inaccurate and misleading. 

I am requesting that the CFPB assist in : Requiring the company to provide full and proper debt validation ; Ensuring that no collection or credit reporting activity continues until the debt is validated ; and Confirming compliance with the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and applicable state law. 

I am prepared to provide supporting documentation if needed. Thank you for your assistance in this matter.

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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
I sent out a Cashiers Check payment of {$2600.00} in early XX/XX/year> to pay my mortgage to Loan Depot and they refused and has returned the payment I sent out without notifying me that there was a late fee of {$86.00}. I was in good impression that they had posted my payments for XXXX, XXXX and XXXX, and XXXX. And now they put me on a 5 months delinquents on my mortgage which I have sent them multiple Cashier Checks to cover all payments for each month. I called several customer service and they wanted me to settle over $ XXXX for the month of XXXX which they could have already accepted and posted all the check payments I sent them. Now XXXX in the burden trying to come out with such a big amount theyre demanding me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo XXXX XXXX Date : [ XX/XX/year> ] To Whom It XXXX Concern, This letter serves as a * * formal request for debt validation * * pursuant to the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, and applicable provisions of the * * Fair Credit Reporting Act ( FCRA ) * *. 

Please provide * * competent evidence * * that I am legally obligated to pay this debt, including but not limited to : 1. The name and address of the original creditor 2. A copy of the original signed contract or agreement bearing my signature 3. A complete itemization of the amount claimed, including principal, interest, fees, and payments 4. Proof that your company has legal authority to collect this debt, including assignment or bill of sale 5. Verification that the debt is within the applicable statute of limitations 6. Documentation showing this account was reported accurately to the credit reporting agencies Until this debt is properly validated, you must * * cease all collection activity * *, including reporting or updating this account with any consumer reporting agency. Reporting unverified information constitutes a violation of the * * FCRA ( 15 U.S.C. 1681 ) * *. 

If you are unable to provide the requested validation, I request that this account be * * immediately removed * * from my credit reports and that I receive written confirmation of such action. 

This request is not a refusal to pay, but a request for verification of the debts validity. Please respond in writing within * * 30 days * *. 

Sincerely, * * [ XXXX XXXX XXXX XXXX ] * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: SC

Complaint narrative:
XX/XX/year> XXXX try to activate gift card and see balance of the card. Website won't allow. Staying I need to be in the USA or stop using a VPN. All customers service and told them I received it as a gift. Keep saying I have to go to the store where purchase to get a receipt and email it to the with my driver license, card card package. Give them my name, address, birthday, email phone number and address for a claim they will not start with out the receipt. Claim # XXXX. Never had so much hassle with a prepaid card company. This company needs to be banned. No other company you have a locked card after purchasing it. 
Amount {$25.00}.

Company response to consumer: Closed with explanation