vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I purchased my vehicle from Hyundai Motor Finance at the end of my lease in XX/XX/XXXX. The vehicle was paid in full through my bank loan, and I immediately requested that the title be released and mailed to me. I was told by Hyundai Motor Finance that the title would be mailed, but it might take longer due to the holiday season. 

By XX/XX/XXXX, I still had not received the title. I called Hyundai Motor Finance customer service, and they told me the title had already been mailed to my home address. We confirmed together that my address on file was correct. I explained that I never received the title. I asked them to check the USPS tracking number, and they confirmed that the tracking number did not show proof of delivery. This indicated that the title was either lost in the mail or never properly delivered. 

Despite this, I was told the only solution was to request a duplicate title and that I would have to pay for it. I explained that I should not have to pay for a duplicate when Hyundai could not prove the first title was mailed or delivered. After going back and forth, I reluctantly agreed, and Hyundai submitted a duplicate title request. 

I waited over a month and still received no title. In XX/XX/XXXX, I visited my local XXXX office to ask if they might have received it directly. The XXXX told me they do not receive titles directly from Hyundai, that it must be mailed to my home address, and then I would bring the title in to complete the transfer and pay state taxes. They also told me Hyundai often takes several months to mail out titles.

After waiting additional months with no update, I called Hyundai customer service again XX/XX/XXXX. They told me the title was still " processing '' and had not yet been shipped. I expressed my frustration and was told a work order would be submitted and that I should call back in a week to check the status. 

At this point, it has been 9 months since I paid off my vehicle in full ( XX/XX/XXXX ), and Hyundai Motor Finance has still not released or mailed my vehicle title. Because of this delay, I have been unable to : - Transfer the title into my name ( or my banks name as lienholder ). 
- Pay the required state taxes on my vehicle. 
- Complete the proper registration process. 

Hyundais mishandling of my title release has caused significant delays, financial burden, and unnecessary stress. I fulfilled my obligation by paying off my vehicle in XX/XX/XXXX, yet I am still waiting on Hyundai to provide a basic legal document that they are responsible for releasing. 

I am requesting immediate resolution and release of my vehicle title without further delay or added costs to 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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent account that has been wrongly reported on my credit profile. I did not apply for, authorize, or use this account, and I have no association with it. Its reporting is false and continues to harm my creditworthiness.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an alert on XX/XX/year> from XXXX  that Wells Fargo Card Services had issued a Hard Inquiry on my credit thru XXXX on XX/XX/year>. I do not have an account with Wells Fargo nor have I requested any new accounts directly or indirectly associated with Wells Fargo. There is no reason for Wells Fargo Card Services to have requested my credit report. I called Wells Fargo Customer Service on XX/XX/year>, and the representative could not find any accounts under my name, address, or SSN. They said that I should mail a written inquiry to the Wells Fargo Credit Dispute Bureau with an FTC report number and a copy of my DL and SSN. I have contacted XXXX to activate a fraud alert on my information. I have also placed a lock on my credit with 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My ( Equifax, XXXX XXXX XXXX ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
Their investigation did not fix error on your report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-04 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:
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 2025-09-04 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute a recent credit limit decrease on my Apple XXXX  Card, issued by Goldman Sachs, based on inaccurate or compromised data reported by XXXX. 

On or around XX/XX/2025, I was notified that my Apple XXXX  Card credit limit had been reduced. After contacting customer service, I was informed that this action was due to information received from TransUnion, XXXX of the major credit reporting agencies. 

However, XXXX  has publicly disclosed a data breach that occurred on XX/XX/2025, which may have compromised the accuracy or integrity of consumer credit data, including mine. I believe this breach may have directly contributed to inaccurate reporting that led to the reduction in my credit limit. 

I contacted Goldman Sachs ( Apple Card issuer ) to explain the situation and requested a manual review or reconsideration of my credit limit, given the circumstances. Despite my request and explanation of the XXXX  breach, I was told that they are unable to manually reinstate my credit limit and that I must wait XXXX months for another automatic review. 

This is unfair and harmful, as : I maintain a good payment history. 
I was not given an opportunity to provide updated or corrected information. 
The action taken may have been based on compromised credit data. 
My credit utilization ratio and score are negatively impacted by the limit decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Complaint against JPMorgan Chase Bank , N.A . ( Chase ) I am filing a complaint regarding the handling of a rental car insurance claim associated with my Chase Sapphire Reserve credit card. 

Chase advertises an Auto Rental Collision Damage Waiver ( CDW ) benefit as part of the card. However, the administration of this benefit is outsourced to a third-party provider. For several weeks, I have been attempting to resolve my claim with this provider, and I have been subjected to repeated delays, unresponsiveness, and contradictory instructions. Despite providing the requested documentation, my claim has not been processed in a timely or fair manner. 

I have attempted to escalate the matter directly with Chase, but I have not received adequate assistance. Chase promotes this benefit as part of the cards value proposition, yet the failure of their vendor and Chases unwillingness to intervene have left me without the coverage I relied upon when renting the vehicle. 

This situation has caused me significant frustration and financial risk. I am requesting that the CFPB require Chase to : Take direct responsibility for ensuring that my rental car claim is handled promptly and fairly. 

Review their outsourcing arrangement to ensure Chase customers receive the benefits that are promised and marketed. 

If Chase is unwilling or unable to resolve this matter, I am prepared to close both my personal and business accounts with them. 

Desired resolution : Immediate intervention by Chase to resolve my claim, reimbursement of covered damages per the Auto Rental CDW benefit, and corrective oversight of Chases administration of cardholder benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: TX

Complaint narrative:
On XX/XX/year>, a child support payment of {$330.00} was deposited onto my Way2Go Card, which is managed by Conduent. The card is how I receive my monthly child support from the State of New Jersey. When I tried to access my account online, I was locked out due to login errors. 

On XX/XX/year>, I called Way2Go customer service. The representative confirmed my account was locked and attempted to transfer me to the appropriate department to unlock it. I was on hold for over 90 minutes, and no one ever answered. I called back two more times and went through full identity verification each time including name, address, Social Security number, and confirmation of the deposit amount and current balance. Each time, I was told I had to be transferred to another department, which again never answered. 

Despite following all procedures and verifying my identity multiple times, I still do not have access to the {$330.00} deposited. This money is intended for child support, and the delay has directly impacted my childs well-being. No solution, timeline, or case number has been provided to me. 

This situation is unacceptable. These are government-disbursed funds meant for my child, and Conduents failure to resolve the issue in a timely and professional manner is a serious concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Hello, Thank you for your investigation results. I am requesting two specific updates be made to ensure accuracy in my credit file : Dept of Education Accounts Please remove the comment Consumer disputes after resolution from all Dept of Education tradelines now that the disputes are complete. 

XXXX  Credit Card Account Please review and correct the reporting. 

The account should reflect no late payments. 

The account is closed with a remaining balance of {$1900.00}. 

I kindly ask that these updates be completed and reflected accurately. Please confirm once the corrections are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV funding is reporting an opened account dated XX/XX/year> in the amount of {$100.00}, updating every month as an open account on all 3 credit bureaus in collections as a loan type Debt Buyer- confirming they did not have original documentation or the account is valid. They have not provided any documentation of an account signup, signed, e-signed, or they are the originator of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously filed a complaint with the CFPB against XXXX XXXX XXXX regarding a collection account of {$2500.00} on my Experian credit report. XXXX XXXX  stated they would provide validation but never did. Despite the lack of validation, XXXX XXXX certified the account as accurate to Experian, and Experian continues to report it. 
This debt is invalid : XXXX XXXX XXXX went out of business, the service was never provided, and I successfully disputed the original charge with my credit card issuer and received a full refund. 
I request that XXXXXXXX XXXX  delete this account and that Experian remove the inaccurate information from my report as required by the FCRA.

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 2025-09-04 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: NJ

Complaint narrative:
b'I am filing this complaint because Equifax is still reporting items that are inaccurate or not mineXXXXErrors on my Equifax report includeXXXXOld/Incorrect Addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  variation instead of my correct addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries that have appeared on my credit record. Despite sending multiple correspondence to the creditor over 30 days ago requesting proper validation of these disputed items, I have not received any response or satisfactory documentation to support their claims. The lack of response and failure to provide adequate verification suggests these entries may be inaccurate or unsubstantiated, and their continued presence on my credit report is causing ongoing harm to my creditworthiness and financial standing.

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