vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Loan amount was way over. I think they sold the car at a higher price

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 2025-07-30 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:
I submitted disputes to Equifax regarding inaccurate and unverifiable information on my credit report. In response, Equifax sent me a letter stating they were unable to locate a credit file for me and are asking again for identification documents. 

This response is not appropriate because : I already submitted my government-issued ID and a recent utility bill with my original dispute. 

I should not have to repeatedly send the same documents to get my dispute investigated.

Equifaxs letter is a stall tactic that delays my right to a proper dispute investigation under the Fair Credit Reporting Act ( FCRA ). 

The items I disputed included : Incorrect personal information ( misspelled names, outdated addresses ) Accounts that do not belong to me Negative items that are obsolete or beyond the reporting period Accounts previously resolved or discharged I did everything Equifax asked to verify my identity, yet instead of investigating, they sent another letter claiming they can not find my file. This is a clear failure to conduct the legally required investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
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: PNC Bank N.A.
State: IN

Complaint narrative:
I paid off my loan in 2021 and was never provided the lien release or title from PNC bank. The title records from the XXXX still show PNC as a lien holder. I contacted PNC for the documents and they referred me to a third party who is charging XXXX dollars for the lien release letter and putting the responsibility on me to request another copy of the title which comes at an additional cost. This is unfair, when PNC was supposed to be responsible in completing those actions when the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX  Date : 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a Chase XXXX XXXX. The was a balance of {$5600.00} due by XXXX25. On XXXX-25 I paid the full balance of {$5600.00}. On XXXX25 I contacted Chase and closed the account. Several days later I received a confirmation letter stating that the account was closed and there was a {$0.00} balance. I later received a bill from Chase saying I had a balance due of {$100.00} from the billing period ending on XXXX-25. I had no charges pending on my card. The balance was paid in full. When I called and closed the account I was told that there was {$0.00}. There can there be no interest charge on a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Since Friday XX/XX/scrub>/2025. Robinhood have restricted my account from seding XXXX out to my XXXX  wallte. They have no explnation as to why it is happening. There have been no violation of terms on my part. Evrry single day I keep asking and they do not have an answer. They just keep giving excuses after excuses but no resolution. They keep saying that it will be send to the back office for a resolution, But nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting late payments on an account I am a cosigner for. When I set this account up I had requested and made it very clear to the representative I talked with that I was to be a cosigner for my niece and in case she did not make a payment on the day it was due, to call me and I would make the payment that day. I do not have direct access to the account therefore I can't submit payments on my own. They never called me when they payment didn't go through and therefore I recently had to make a huge payment to get caught up with all of the past due payments. This all should have been avoided if they had just notified me as I had requested and they had agreed to. These lates they are reporting are not correct as this was their error and not mine. Now it is reporting on my credit and is tremendously damaging 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting late payments on an account I am a cosigner for. When I set this account up I had requested and made it very clear to the representative I talked with that I was to be a cosigner for my niece and in case she did not make a payment on the day it was due, to call me and I would make the payment that day. I do not have direct access to the account therefore I can't submit payments on my own. They never called me when they payment didn't go through and therefore I recently had to make a huge payment to get caught up with all of the past due payments. This all should have been avoided if they had just notified me as I had requested and they had agreed to. These lates they are reporting are not correct as this was their error and not mine. Now it is reporting on my credit and is tremendously damaging 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 2025-07-30 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: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 50 hard inquiries on my report from car dealership that I did not give permission too.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is not a mistake or a misunderstanding. My credit report contains inaccurate information that is not being reported with maximum possible accuracy, as required by law. These errors are unacceptable and continue to cause serious harm to me personally and financially.

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 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit acceptance didnt have the repossession clause in the contract

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 2025-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was at work when I received a notification from XXXX XXXX XXXXXXXX XXXX that there was a new inquiry on my credit that day, XX/XX/year>. I called Capital One on my lunch to get it resolved, and at first who I spoke to said it didn't go through because the application was declined. I had to tell them multiple times that I didn't put an application with them in especially since they absorbed XXXX ( who I do have an account with ) recently. I then spoke to someone in the application department today, XX/XX/year>, to try and get more information, but didn't have any luck. They did flag it as Fraud, but wouldn't give me anymore information even though it was my social security number, birthdate and name used. I also froze my credit reports to make sure nothing else could come up on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
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 2025-07-30 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: NC

Complaint narrative:
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 2025-07-30 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: NC

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
I am writing to you as the holder of account number XXXX for my auto loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported late payment : [ Date ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-30 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-30 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint mortgage servicing has damaged my credit... An agent for Shellpoint has been very difficult to work with, disgruntle threatening to take our home. I think she took it Apon herself to damage our credit, we share the mortgage. my wife XXXX XXXX XXXX XXXX has had multiple contacts with her and words were exchanged..... We are on auto pay and have not missed a payment or late. shellpoint has not repaired our credit its been over 30 days, I own a small business and it is affecting my operation. Shellpoint mortgage servicing XXXX XXXX XXXX XXXXXXXX SC. XXXX Shellpoint has made it impossible to correct the problem. I also want to switch to another mortgage co. by refinance but I can not due to bad credit. caused by Shellpoint. 

shellpointmtgXXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation