vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased a vehicle from XXXX & XXXX XXXX XXXX on XX/XX/XXXX for a purchase price of {$54000.00}, with a down payment of {$13000.00}. The loan was financed through Capital One Auto Finance for 75 months at a monthly payment of {$990.00}. By XX/XX/XXXX, I had paid a total of {$47000.00}, with a remaining balance of {$17000.00} if I had continued monthly payments. I chose to pay off the loan early, and the payoff amount was {$14000.00}, which I paid in full on the evening of XX/XX/XXXX. 

I recently discovered that a {$5500.00} XXXX XXXX XXXX XXXX XXXX Contract ( XXXX ) was included in my loan without my knowledge, authorization, or signature. I never used the warranty, as I had my own aftermarket warranty for all vehicle repairs. Despite paying off the loan, the inclusion of the unauthorized XXXX inflated my principal and interest, causing me to pay thousands of dollars for a product I did not agree to. 

The loan appears to involve multiple violations of federal law, including 15 USC 1605, which relates to misrepresentation of the amount financed due to the unauthorized add-on ; 15 USC 1635 , which addresses the lack of proper disclosure and rescission rights for the unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; and 15 USC 1662 , which prohibits unfair or deceptive credit practices. Regarding the impact on my loan, the amount financed was {$47000.00} after a {$13000.00} down payment, structured over 75 months at a XXXX XXXX APR. Payments made totaled {$47000.00}, including the early payoff, yet the calculation of the remaining balance shows that the loan was inflated by the unauthorized add-on and extra finance charges. Paying off the loan early did not eliminate the financial harm caused by the added VSC, as I still paid interest on this unauthorized {$5500.00} product for more than two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: AMERISAVE MORTGAGE CORPORATION
State: AK

Complaint narrative:
In XX/XX/year>, I sold my home in XXXX, XXXX. AmeriSave Mortgage Corporation provided the payoff quote used by XXXX XXXX XXXX to close the sale. XXXX payoff statement was represented as satisfying both the primary mortgage and an XXXX Partial XXXX attached to the property. 

I recently received a notice from HUD stating that the Partial Claim was never paid. XXXX XXXX XXXX conducted an internal review and issued a written statement confirming that XXXX management told them the payoff amount covered both the main loan and the Partial Claim, but that this information was incomplete or inaccurate. Because of XXXX incorrect payoff information, HUD is now attempting to collect {$11000.00} from me XXXX years later. 

I acted in good faith and relied entirely on the payoff information from XXXX. This error has caused financial harm, unjustified debt exposure, and significant stress. I am requesting the CFPB to investigate AmeriSaves issuance of an incorrect payoff quote, their failure to properly account for the XXXX  XXXX XXXX, and to compel XXXX to provide documentation resolving the discrepancy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company called asking for money. I asked for proof of who they were. They asked for money again. I said I would pay upon receiving mailed proof. They never sent a single thing!

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
Sheffield Financial has reported a late payment on my credit report that is inaccurate and the result of multiple failures outside of my control. The dealership did not have me complete or sign any automatic payment authorization form at the time of purchase, so my payments were never set up. 

I received no proper notice from XXXX that payments were due or missed. Their phone number was flagged as spam by XXXX, so I did not receive any calls. I did not receive any emails or clear mailed notices that my account was past due. The first and only effective notification I received was from a repossession company contacting me. Only at that point did I learn that a payment issue had occurred. 

Once I was finally notified, I immediately brought the account current. After that, I have repeatedly attempted to access my account and make further payments, but XXXX has refused to authenticate me using any reasonable identity-verification method. They will only verify identity using the exact amount of my last payment, which I can not know without access to my account. As a result, my online account is locked and XXXX will not allow me to make payments by phone or view my account information. 

XXXX also refused to disclose their identity-verification or security-question policies, making it impossible for me to comply. This has left me with no way to access, verify, or manage my own loan. 

XXXX is now refusing to correct the inaccurate credit reporting and instructed me to dispute it with the credit bureaus instead of addressing the underlying issue. This is preventing me from obtaining a mortgage and does not satisfy their obligations under the FCRA or XXXX. 

Their actions involve : insufficient notice of delinquency unreasonable and inconsistent identity-verification requirements denial of access to my loan account refusal to allow payments through reasonable methods failure to correct or investigate inaccurate reporting I am requesting removal of the late payment from all credit bureaus and for XXXX to XXXX compliant, reasonable access to my account with proper identity-verification options.

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 2025-12-04 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: STATE STREET BANK AND TRUST COMPANY
State: OH

Complaint narrative:
Please see my previous complaint. XXXX said they recovered two amounts from my stolen XXXX. 
XXXX XXXX. 
XXXX XXXX issued a credit to my account for the XXXX but not the other amount. I have emailed them about this. And also have retained a lawyer to help recover the remaining amount XXXX less 11, 10, roughly. This is costing me a fortune for money that was stolen from me that is supposed to be federally protected! 

I need to file a complaint against XXXX XXXX!! I need XXXX XXXX to reclaim the rest of my money from XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and the collection account reported by Caine Weiner ending in XXXX is fraudulent and does not belong to me. My FTC Identity Theft Report ( Report XXXX. XXXX ) confirms I did not open, authorize, or benefit from this account. Despite my fraud documentation, Caine Weiner continued reporting this account as valid, which violates FCRA 605B because identity theft information must be blocked and deleted within four business days after receiving proper documentation. This account remained on my credit report without a furnisher certification of accuracy, which violates FCRA 605C reinsertion rules. Caine Weiner also failed to comply with FCRA 623 ( a ) and 623 ( b ) by continuing to furnish information they knew or should have known was inaccurate. 

They also failed to apply mandatory XXXX fraud codes such as Compliance Condition Code E, Consumer Information Indicator 01, and Special Comment XB. Reporting a fraudulent balance, collection status, and payment history is materially misleading under federal law. My personal information was also misused, reflecting FACTA XXXX safeguard failures. This reporting has damaged my credit, caused emotional distress, and denied me financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: WA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
Planet Home Lending , LLC Attn : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CT XXXX RE : Direct Dispute of Inaccurate Mortgage Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am filing a formal direct dispute regarding inaccurate mortgage reporting your company has furnished to credit bureaus. You are reporting an original loan amount of {$250000.00} to XXXX  and XXXX. 



This is factually incorrect. 



My official Mortgage Note states the correct original loan amount as {$240000.00}. 



Your reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers are prohibited from reporting inaccurate information FCRA 623 ( a ) ( 2 ) Furnishers must correct and update inaccurate or incomplete information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I received my escrow analysis on XX/XX/XXXX, from Carrington Mortgage. I tried to explain to the representative that the amount of {$5000.00} was incorrect, and they should contact XXXX XXXX because the amount is {$3100.00}. They have access to my tax amount incorrectly. They put on a payment plan for my escrow, claiming that my taxes were {$9500.00}. They refused to listen, so to get my escrow down some, I found a new home insurance dropping my amount from {$2100.00} to {$1600.00}, but somehow I owed more money in my escrow account. On XX/XX/XXXX, I received an email that the second installment property tax bill is ready. I look at my bill, and it is the amount that I told them in the first place, which is {$3100.00}. The new total is {$7400.00}, so they were off by $ XXXXThey will not give me a new escrow analysis of my escrow for the period dating back to XXXX to make sure they have included my homestead credit and applied the correct tax amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My wallet was stolen with all of my credentials, identification and financial cards from my job locker room and someone use the information to make fraudulent transactions with my credit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting to formally dispute multiple entries currently reported on my Equifax, TransUnion and Experian credit report under DEPTEDXXXX. Upon careful review, I have identified serious discrepancies : the same account appears multiple times with conflicting balances and inconsistent reporting dates, which is unacceptable and misrepresents my credit history. These duplications are not only confusing but also unfairly damaging to my creditworthiness. I request that Equifax, TransUnion and Experian immediately address these issues and conduct a thorough reinvestigation, fully compliant with the Fair Credit Reporting Act ( FCRA ), including FCRA 611 ( 15 U.S.C. 1681i ) concerning reinvestigation of inaccurate information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update information, FCRA 605 ( a ) regarding obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) ensuring my right to full disclosure of all reported data. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3000.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7400.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX * Balance {$2400.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7500.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5900.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX * Balance {$3800.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5800.00} Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Date of Last Payment XX/XX/XXXX

Company response to consumer: Closed with explanation