vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
My concerns : The lender misrepresented the nature of the loan to classify it as " commercial, '' avoiding consumer-lending laws and disclosures.

I was induced to make a false statement on a recording under pressure from their employee.

I am personally liable on a commercial note for a non-existent business, which I believe violates fair-lending and deceptive-practice laws.

I am requesting that regulators review this matter and determine whether Bankers Healthcare Group 's practice of selling commercial loans to non-business consumers is deceptive or unlawful. I also request assistance in reclassifying or rescinding this loan under appropriate consumer-protection laws.

" Business '' Loan Sold to Consumer Summary : I was sold a " commercial business loan '' by Bankers Healthcare Group ( BHG ) even though I do not own or operate any business. The representative was aware that I am an individual consumer, not a business entity, but told me that BHG only makes business loans. She then had me state during a recorded verification call that I was a business owner, despite my prior statements to her that I did not have a business.

Details : Date of loan : XX/XX/year> Loan amount : approximately {$95000.00} Loan type : " Promissory Note / Security Agreement/ Personal Guaranty '' labeled as commercial financing for a sol roprietorship Lender : Bankers healthcare group XXXX = XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XXXX. 
Details : Date of loan : XX/XX/year> Loan amount : approximately {$95000.00} Loan type : " Promissory Note / Security Agreement/ Personal Guaranty '' labeled as commercial financing for a sole proprietorship Lender : Bankers Healthcare Group, LLC ( XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) During the application process, I told the BHG representative that I did not own a business. She said it was fine and that they could " list me as a sole proprietor '' so the loan would be approved. Before funding, she called me for a " recorded verification '' and instructed me to confirm that it was a business loan for my business even though she knew that was not Afterward, I discovered the loan agreement labeled me as a " commercial '' borrower and included a " security agreement '' and " personal guaranty, '' granting a lien on business assets that do not exist. This structure stripped away normal consumer protections and prevented the loan from being reported to the credit bureaus.

My concerns : The lender misrepresented the nature of the loan to classify it as " commercial, '' avoiding consumer-lending laws and disclosures.

I was induced to make a false statement on a recording under pressure from their employee.

I am personally liable on a commercial note for a non-existent business, which I believe violates ending and decentive-practice laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello! Yes I'm writing you to tell you i did report this about that my XXXX XXXX  bill had to be paid and all of this bill money was in when, i checked my bank balance {$250.00} and what was taking out of this that i had set back was + {$100.00}, I hope my phone bill from XXXX XXXX was left out of this balance of + {$100.00}, But it's gone? And this was going to pay my Registration my car tabs as well were dew this month XXXX. I can't grab this one! After this with {$120.00} in my balance when i finally got in the bank this morning. And I've got a payment to XXXX of {$120.00} this is my final that is left and i choose this one to take hold and got this + {$25.00} that's got this from my savings from going under. So we're good there! And this XXXX XXXX XXXX is not wanting to put out normally like it should could you check on this for me!

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding a refund from XXXX that was sent to my closed Navy Federal credit card account ending in XXXX. 
On XX/XX/year>, XXXX confirmed that five separate refunds totaling {$2200.00} were successfully delivered to Navy Federals processor. Each refun

d includes a unique ARN ( Acquirer Reference Number ), all confirming successful settlement with Navy Federal. Despite providing these ARNs and details to Navy Federals Member Disputes and Recoveries departments multiple times, I have been unable
to obtain the funds. The Disputes team referred me to Recoveries, while Recoveries confirmed they do not have the funds leaving the refund unaccounted for.

This indicates that the funds were received by Navy Federal but not applied to my account or returned to me. I have specifically requested a Research & Adjustment ( trace ) investigation to locate and credit the funds, but Navy Federal has repeatedly refused to open one or provide a case number.

I am requesting that Navy Federal conduct a full trace on all five ARNs associated with this refund, verify receipt of the funds, and release or credit the total refund amount of {$2200.00} to me.

This situation violates XXXX refund handling rules and Regulation Z, as the bank has confirmed delivery of merchant funds but failed to apply or return them. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Date : XX/XX/year> To : Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Debt Validation Account Number : XXXX XXXX XXXX Dear Hunter Warfield, Inc., I am writing in response to a collection account that your company has reported or contacted me about. This letter is a formal request for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

Please provide full documentation verifying that I am legally obligated to pay this debt, including : 1. The name and address of the original creditor.

2. A copy of any contract, lease, or agreement bearing my signature that shows I agreed to assume this debt.

3. An itemized statement of the alleged balance, showing how the total amount was calculated ( including fees, interest, or other charges ).

4. Proof that your agency is authorized to collect this debt in my state.

5. A copy of any judgment, if applicable.

Until this debt is fully validated, you must cease all collection activity, including phone calls, letters, and reporting or verifying this account with any credit reporting agencies.

If this debt can not be validated, or if it has been reported inaccurately, please delete all related information from any and all consumer credit reports as required by the Fair Credit Reporting Act ( FCRA ).

Please respond to this request within 30 days of receipt.

I expect all communication to be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT FILE THAT ARE NOT MINE I AM CURRENTLY ON XXXX XXXX AND IT IS HARD FOR ME TO KEEP UP WITH THIS I REQUESTED A THOROUGH INVESTIGATION AND REMOVAL OF THESE ACCOUNTS BUT THERE HAS BEEN NO RESULTS. THE FOLLOWING ACCOUNTS BELOW ARE NOT MINE AND I AM REQUESTING REMOVAL OF THESE ACCOUNTS. 

1.XXXX  XXXX : ACCT NUMBER XXXX 2.XXXX XXXX XXXX XXXXXXXX XXXX : ACCT NUMBER XXXX 3.XXXX XXXX : ACCT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: NY

Complaint narrative:
I called Friday all day no answer I called early morning about approximately XXXX in the morning no answer they stated it was high peak calls. I called Saturday in the afternoon took me an hour I ' and a half on weight to finally speak to somebody. Are they CSR stated back XXXX of their share there's a parent fraud on my card I don't understand it when I've been using my card for years and never had a problem. She sent me an email I filled them information and I have reached out to the US Treasury Social Security to complain about this nothing they can do about it because of direct express. I need my money for my rent if I don't have my rent I will be homeless even though my landlord is willing to work with me I have bills. I have a lot of medical issues and now because of this is made me a lot worse and they won't do anything to resolve this issue I have the correspondence email with them everything I sent the ones I have contacted about this and I still haven't got anything they need to be sued they need to be closed down because people like me who are a senior how are you survive but we have no any other source of income?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-11-03 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: NJ

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We bought a washer, dryer, and freezer about 18 months ago from Best Buy with a Citi Best Buy credit card, using the 18-month financing option. The total was around {$3000.00}. We recently found out that because the 18 months passed, we were charged more than {$2500.00} in interest. 

We understand interest applies after the promo period, but charging nearly the same amount as the original purchase is unreasonable and feels like unfair profit. Even if we missed the deadline, this is excessive. We received no reminder email, and we believe this charge should be reviewed and refunded.

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 2025-11-03 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: GA

Complaint narrative:
I am seeking to have these items reviewed, corrected, and, if necessary, removed to ensure they are accurately reflected in accordance with the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that it be removed from my credit report.

Charged-Off Accounts : No disputed charged-off accounts are listed for TU at this time.

Inquiries : XXXX  Date : XX/XX/year> Please review this inquiry for accuracy and remove if found to be unauthorized. 

Positive Accounts : XXXX XXXXXXXX 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 2025-11-03 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX  - XXXX ] Account Number : [ XXXX XXXX  - XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I entered a XXXX in XXXX and notified my creditors. PayPal accepted the proposal. I havent been able to access statements since closing my accounts and do not receive paper mail from PayPal. 
I can just see the amount due which shows {$170.00} my XXXX has made the agreed upon statements for the last 3 months. I contacted an agent who said I wasnt able to get my statements because my account is not current. Without my statements, I have nothing to review or read to make a dispute or ask questions. I think Ive been accruing monthly late fees, but the creditors are refusing to communicate with me. I cant even request any fee waivers bc I dont have my statements.

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 2025-11-03 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief