vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/year> with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-05 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: MD

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: SC

Complaint narrative:
I mailed a {$9800.00} substitute check whch iz not altered only NSF reason guaranteed negotiable instrument n cashable to Huntington National Bank headquarters addrss XXXX XXXX XXXX XXXX Ohio XXXX XXXX they received it on the XXXX ... then forwarded it to XXXX Teller XXXX PO Box XXXX XXXX Ohio XXXX ... from the mail ctr to check prcssing ctr in XXXX it was received on the XXXX there. 

First they put a typo of {$9700.00} whn it was supposed to be {$9800.00}. It was corrected a week later on the XXXX of XXXX. 
They said it shld be available in my account XXXX standard posting n cld not expedite bc the check was mailed in not deposited at a branch or not a mobile check deposit. 

Just on XXXX  the XXXX they stated the fundz wld be there in my account the next day btwn XXXX XXXX it Neva showed up XXXX 

I called n said whats going on with my check n they stated the cases has been closed out as if they lost my check whn it wasnt missing.

They stole my check fundz n didnt want to deposit my check on my account.

I told them they cld be sued for this n the supervisor gave a smart remark.

I then decided to regain my fundz by filing a complaint with CFPB. I hate America bc all they do here iz divert n steal n leave
you with no hope bc apparently God iz evil like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Patrick K Willis Company Inc
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX National and XXXX  for unlawfully repossessing my vehicle in XXXX XXXX XXXXXXXX XXXX violation of XXXX XXXX XXXX and Traffic Law XXXX. 

On or about XXXX, XXXX, my vehiclea XXXX XXXX XXXXXXXX XXXX : XXXX was repossessed without any immediate notification to local law enforcement, as required by statute. Section 425 of the XXXX XXXX and Traffic Law explicitly mandates that a repossession agent must notify the police department in the locality where the repossession occurs immediately. I contacted the appropriate law enforcement agency XXXX Police Department and was informed that no such notification was received, meaning the repossession was conducted outside the bounds of XXXX XXXX XXXXXXXX law. 

In addition to this statutory violation, I submitted a formal written complaint to XXXX XXXX XXXX XXXX on XX/XX/XXXX, demanding the return of my vehicle, documentation of compliance, and corrective action. They failed to respond within the requested five ( 5 ) calendar days and have not provided any legal justification or supporting documents to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Disputed the Opploans account ( {$1500.00} ) twice via XXXX The second time I asked for the debt to be verified. It fraudently came back as verified, which is untrue and upsetting. I have not received any information that I asked for to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
Please refer to the attached documents regarding the national data breach in which I noticed inaccurate and fraudulent accounts and is hindering my ability to obtain credit.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please refer to the attached documents regarding the national data breach in which I noticed inaccurate and fraudulent accounts and is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
XXXX XXXX from Williams and fudge Debt collection agency called me on XX/XX/XXXX at XXXX and proceeded to tell me that I owed a debt to a university that I have a loan deferment with XXXX  aid for with a date of XX/XX/XXXX. I tried explaining this to him but I was interrupted by him continuously asking for my email and contact information and telling me that I cant afford a couple XXXX bucks a month. As I tried to continue explaining that I may need to call XXXX  aid so they can provide documentation for such issue to get them over to Williams and fudge as proof of this he interrupted me again by saying that it sounds like I dont want to pay & proceeded to state that he is just going to call someone else since I dont want to pay & I tried to respectfully interject and say I would like to setup a payment plan as I would like to pay this debt off he interrupted me again by saying that if I dont want to pay then I can hang up right now and I said no sir I am not going to hang up because I am trying to figure out a solution he continued to over talk me by saying that he is going to end this call now and hung up. He did not give his name clearly at first so I had to call back and spoke with XXXX at the same agency and I made him aware of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency XXXXXXXX XXXX XXXX XXXXXXXX ; t make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Experian you state verified but the other XXXX reporting agencies report closed IF all XXXX consumer reports are not 100 % accurate WHICH THEY ARE NOT MEANING YOU then this account needs removed XXXX XXXX XXXX you state verified as accurate then tell me why it states collection past due that is a violation on a closed account. your bogus verification is now being challenged I request this information again in detail its been 6 times I requested this information from you and XXXX XXXX. If I dont get the information this time I will file fraud and take you to court IM done with the bogus responses, I have all documentation from Experian and XXXX XXXX showing you will not respond to my request for this information respond through the CFPB so I have documentation of your response for legal use

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 2025-06-05 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: NV

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Truth be told, this is a terrible part of my life and it's embarrassing. I finally land a job after 9 months, and the OOPS program for Navy Federal has helped me catch up on bills.. They take overdraft fees every time i overdraft my account, and I called to see if they could refund a fee to my account and they did once in XX/XX/XXXX. I called about a month later ( XX/XX/XXXX ) for the same thing and now they can't do it. I was told I get overdraft fees taken off my account every month but now they won't do it. They have terrible customer service as well and don't know how to speak to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER 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 non-monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} INQUIRIES 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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I bought the car ( XXXX XXXX ) in XXXX of 2022 at XXXX XXXX in XXXX XXXX, XXXX. When purchasing the vehicle, I was told the loan was going to be a XXXX loan and my monthly payment would be {$310.00}. After finalizing the loan, it turned out to be XXXX loan. XXXX loan at XXXX XXXX XXXX  which I had no idea about. I researched state laws in XXXX  and to my understanding the maximum allowed in interest is XXXX XXXX. My contract specifically states that XXXX  XXXX applies to the contract. I contacted the company to try and resolve this. However, I was told they will see about forwarding me over a copy of my contract and the representative said there is nothing I can do because they are in compliance. 

The contract I included is the copy that I received when purchasing the car at the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
I called Safco a few times to come pick up there car because I had XXXX XXXX and couldnt pay the note! My payments was on time, up until they waited 2 months to come get the car. Safco is still reporting late payments for a car I dont have and havent sent any updated information to me! When I call they give me the run around and no one knows what to do! They are reporting the same amount I first started off with when I brought the car! I had the car for XXXX years paying on time.I 'm not understanding how I still owe after all the money I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to XXXX U.S.C. XXXXi, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under XXXX U.S.C. XXXX ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief