vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This debt is over XXXX XXXX XXXX. I was not in that state at the time. I know nothing of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX  continues to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) by failing to block and delete fraudulent information within four business days of receiving identity theft documentation. I provided XXXX  with a Police Report ( XXXX Police Department # XXXX ) and an FTC Identity Theft Report ( # XXXX ) identifying fraudulent accounts with XXXX XXXX and XXXX XXXX XXXX. Instead of following the FCRA requirement to block first and investigate later, XXXX  improperly " verified '' the accounts. They also stated payment data or account history. This was not legitimate evidence of ownership. Ongoing evidenceincluding an admission by a former girlfriend responsible for opening the fraudulent accounts and proof of continued bank hacking activityshows that any transaction or payment records tied to these accounts were unauthorized and part of the identity theft scheme. Despite receiving proper documentation, XXXX  has failed to remove or block these fraudulent accounts and continues to report them, causing ongoing harm to my credit and financial reputation. XXXX refusal to apply the four-business-day block violates both federal law and South Carolina consumer protection standards .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-05 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
I transferred {$500.00} XXXX  from my bank to my Father 's bank XXXX XXXX XXXX via Remitly. It's been more than 2 days now and upon checking with agents they are clueless as they are not getting any response from their partner bank. They have been sending emails on top of other emails and asking to wait again for another 24 hours. I am not sure what's the point of waiting again and sending emails as there has been no progress. 

I am in XXXX currently and thought of transferring money instead of taking cash with me for convenience but now im here without money and its becoming beyond frustrating. 

Please check conversations for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint is directly related to previous CFPB complaint : XXXX. 

I filed a complaint about Fifth Third Bank on XX/XX/XXXX. On XX/XX/XXXX, they responded to the complaint by submitting two artifacts to the CFPB.

1 ) A letter stating they resolve to accept a reimbursement from me with no added fees or interest.

2 ) A payoff statement.

Unfortunately, the two artifacts are in conflict with one another. The payoff statement includes interest and fees despite the letters commitment to not do so.

I followed the instructions of the letter, and refunded the amount owedabsent fees and interest, and fifth third cashed my check.

Unfortunately, it is now XXXX, and Fifth Third has not met the commitment they made to me and documented with the CFPB. I continue to receive past due statements regarding my loan and threats that I will be reported to collections and or the credit bureaus.

Please help. Ive spent countless hours on the phone with Fifth Third Bank. Ive done everything expected of me. Fifth Third is failing to follow through and their letters are borderline harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The transaction statement provided by the lender shows an initial balance of {$46000.00}, which is inconsistent with the fact that the financed vehicle was a used car, not a new vehicle. This inflated amount likely includes unauthorized add-ons or undisclosed products such as service contracts, XXXX insurance, or other dealer markups. 



In addition, the statement reflects numerous unexplained and excessive fees following repossession including auction fees, repair fees, interest charge reversals, and a remaining balance of {$28000.00}. These charges appear to have been applied without transparency or a proper post-sale accounting, which XXXX violate the Truth in Lending Act and other consumer protection regulations. 



I am requesting that the CFPB investigate the following : The accuracy and legitimacy of the financed amount of {$46000.00} for a used vehicle. 

The lenders post-repossession accounting, including auction proceeds and fee calculations. 

The lenders credit reporting of the alleged deficiency balance. 

XXXX XXXX XXXX engaged in deceptive or unfair practices during financing and repossession.

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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Incident Summary : On XX/XX/XXXX, around XXXX XXXX EST, I was attending my sons varsity basketball game at the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 

While inside the gym, an event attendant asked if anyone owned a white XXXX. I said I did, and she advised me to check outside because someone appeared to be attaching towing equipment to it. 

When I went outside, I saw a repossession agent preparing to tow my vehicle. I said, Stop, you cant take my car who ordered this? The agent said he didnt know and continued.

I immediately got into my car and called Navy Federal Credit Union ( NFCU ). Two representatives confirmed they could not see any repossession activity on my account and that the repo department was
closed. While I was still on the call, the tow operator called the police.

I stayed in my vehicle until approximately XXXX XXXX, when officers arrived. To avoid arrest or escalation, I exited the car. The tow truck driver then took the vehicle, blocking traffic as he left.

History of Prior Repossession : This is the second repossession of the same vehicle by Navy Federal. 
The first occurred in XXXX, under similar circumstances.

In both instances, I never received any written or electronic notification before or after repossession no default notice, no intent to repossess, and no post-repo sale notice.

That indicates a pattern of noncompliance with Florida Statute 679.611 679.614 ( notice requirements ) and 679.609 ( breach of peace ).

Issues for Investigation : Breach of Peace : The XXXX repossession was conducted while I was seated inside the vehicle and objected, and the agent involved law enforcement to complete the seizure. This violates Floridas UCC 679.609.

Failure to Provide Legally Required Notices : No pre- or post-repossession notices were ever sent for either repossession ( XXXX or XXXX ). 
Communication Failure : Navy Federal representatives were unaware of the repossession in progress and could not explain it at the time of the incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items being reported on my credit profile. These errors have caused significant harm to my creditworthiness and violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of the following items listed below. 

Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is false and never connected to me. Reporting it violates FCRA 607 ( B ) and 611 ( A ) ( 1 ) for failure to ensure accuracy. I have never lived or received mail there. Keeping this on my file causes identity confusion and must be deleted immediately. 

XXXX XXXX XXXX APT XXXX XXXX, TX XXXX This is another inaccurate address not associated with me. I have disputed it before, yet it remains. Under FCRA XXXX ( A ) ( XXXX ), you must verify and remove unverifiable data. This address is unverified and must be deleted right away. 

Account : SELF / LEAD XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This account falsely reports a late payment that never occurred. There is no verifiable record of delinquency. Reporting inaccurate data violates FCRA 607 ( B ) and 623 ( A ) ( 1 ) ( A ). I demand immediate deletion or correction of this false report. 

XXXXXXXX XXXX XXXXL XXXX XX/XX/XXXX This inquiry was unauthorized. I did not apply for credit or give consent. It violates FCRA XXXX ( A ) which requires permissible purpose. Delete this inquiry immediately and confirm removal. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is also unauthorized. I never initiated any credit application with this bank. Under FCRA XXXX ( A ) and XXXX ( A ), it must be removed since no permissible purpose exists. 

These inaccurate items have collectively damaged my credit standing, interfered with my ability to secure fair financial opportunities, and created unnecessary emotional and financial hardship. Under FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to a prompt and thorough reinvestigation, and I expect confirmation of correction or deletion of each listed item within the legally required timeframe. I also request copies of all verification documents used to validate these items as per FCRA XXXX ( a ) ( 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 2025-11-05 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. XXXX attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Legal Notice and Demand for Deletion of Inaccurate Charge-Offs under FCRA and FDCPA Dear Equifax, This letter XXXX as a legal notice disputing the accuracy and legality of certain charge-off tradelines reported on my credit file. I do not recognize these accounts, their balances, or histories. Pursuant to 15 U.S.C. 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), 1692g, and 12 C.F.R. 1022.4243, I demand a full reinvestigation and deletion of all unverified or inaccurate entries. 

The following accounts are disputed : XXXX / XXXX Acct XXXX. XXXX | Balance {$3700.00} XXXX / XXXX Acct XXXX. XXXX | Balance {$7800.00XXXX XXXX  / XXXX XXXX Acct XXXX XXXX XXXX | XXXX {$8700.00} XXXX / XXXX XXXX Acct XXXX XXXX XXXX | XXXX {$9300.00} XXXX / XXXX Acct XXXX. XXXX | Balance {$11000.00} XXXX Card Services ( Chase ) Acct No. XXXX | Balance {$14000.00} XXXX XXXX XXXX ( XXXX XXXX ) Acct XXXX XXXX XXXX | Balance {$2600.00} XXXX / XXXX DC Acct No XXXX XXXX | XXXX {$1800.00} ( Transferred/Sold ) These items do not meet the accuracy and completeness standards of the FCRA. You are required to reinvestigate and provide documentary verification of each data field. If you can not substantiate the information, you must delete these tradelines immediately.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Legal Notice and Demand for Deletion of Inaccurate Charge-Offs under FCRA and FDCPA Dear Equifax, This letter XXXX as a legal notice disputing the accuracy and legality of certain charge-off tradelines reported on my credit file. I do not recognize these accounts, their balances, or histories. Pursuant to 15 U.S.C. 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ), 1692g, and 12 C.F.R. 1022.4243, I demand a full reinvestigation and deletion of all unverified or inaccurate entries. 

The following accounts are disputed : XXXX / XXXX Acct XXXX. XXXX | Balance {$3700.00} XXXX / XXXX Acct XXXX. XXXX | Balance {$7800.00XXXX XXXX  / XXXX XXXX Acct XXXX XXXX XXXX | XXXX {$8700.00} XXXX / XXXX XXXX Acct XXXX XXXX XXXX | XXXX {$9300.00} XXXX / XXXX Acct XXXX. XXXX | Balance {$11000.00} XXXX Card Services ( Chase ) Acct No. XXXX | Balance {$14000.00} XXXX XXXX XXXX ( XXXX XXXX ) Acct XXXX XXXX XXXX | Balance {$2600.00} XXXX / XXXX DC Acct No XXXX XXXX | XXXX {$1800.00} ( Transferred/Sold ) These items do not meet the accuracy and completeness standards of the FCRA. You are required to reinvestigate and provide documentary verification of each data field. If you can not substantiate the information, you must delete these tradelines immediately.

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 2025-11-05 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: MD

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


XXXX CARD - XXXX XXXX CARD - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX XXXX  - XX/XX/year>

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 2025-11-05 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: GA

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 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 2025-11-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is now my XXXX disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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