vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 XXXX 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year>, Navy Federal Credit Union ( NFCU ) reversed a payoff check sent XXXX XXXX to clear my auto loan ( Account # ending in XXXX ] ). The check was initially cashed by NFCU, resulting in a XXXX balance on my loan. NFCU reversed the transaction, citing a mismatch between the written and numeric amounts on the check, which I accept as a valid reason for reversal. However, NFCU failed to return the reversed funds to the dealers bank and did not notify me of the reversal. The dealers bank confirms the check was debited from their account and they have not received the returned funds or a physical check. NFCU claims the funds were sent back but can not provide proof of where the funds are. As a result, my loan balance was reinstated, risking late fees and credit damage, while the funds remain unaccounted for. Despite my inquiries, NFCU has not resolved this or traced the funds, and the dealer refuses to resend payment until they receive the reversed amount. NFCUs failure to properly handle the return of funds and communicate with me violates standard banking practices and their responsibility as the payee to manage payment processing accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I request removal of this late mark, as it does not reflect my established record of timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I went through Wells Fargos online process labeled applying for the XXXX XXXX card. The button at the bottom said simply Submit.

To a reasonable consumer, the wording and design suggested I was only checking eligibility or pre-qualifying. Nowhere did it make plain, conspicuous, and unavoidable that clicking Submit would immediately open a new credit card account in my name if approved.

After submission, I was instantly told I was approved and informed that a new account had already been opened. I had not knowingly authorized this outcome.

Why this is deceptive : The distinction between pre-qualification and account opening is critical in credit markets. Wells Fargo failed to make that distinction clear in plain language.

Using the term Submit instead of something explicit like Agree and Open Account is materially misleading. Consumers can reasonably believe they are submitting information for review rather than committing to a binding account opening.

Wells Fargo has a documented history of deceptive account-opening practices ( fake accounts scandal, unauthorized products ). This application design appears to be a continuation of that pattern.

As a result, I now have an unwanted new credit account reported, with potential negative consequences to my credit score if I close 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 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: FirstCash, Inc.
State: AZ

Complaint narrative:
On XX/XX/2025, I visited a XXXX  location owned by FirstCash ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) to obtain a pawn loan for a XXXX gold bracelet weighing approximately XXXX grams. I was offered {$300.00} by store staff.

Just minutes later, my husband entered the same store with the same bracelet and was offered a loan of {$1000.00}. This occurred under identical conditions same store, same staff, same item, and same date. There were no changes in gold pricing, item condition, or store policies that would justify the {$700.00} disparity in loan value.

This situation raises concerns of disparate treatment in a credit transaction, which may constitute a violation of the Equal Credit Opportunity Act ( ECOA ) and other consumer protection laws. A pawn loan is a form of credit, and all applicants are entitled to be treated fairly and equally regardless of personal characteristics or perceived differences. 

On XX/XX/2025 I received an email response offering to purchase the bracelet for {$1500.00} but my original intent was never to sell the item, only to obtain a pawn loan I submitted a formal request for resolution to the company on XX/XX/2025, and asked that relevant documentation and surveillance footage be preserved and have not received any further response.

This lack of response, combined with the inconsistent treatment and mischaracterization of my intent, raises serious concerns about compliance with fair lending standards and internal accountability.

I am asking the CFPB to review this matter and ensure that the company is held to the standards required under federal consumer credit law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am formally disputing the late payment reflected on my account. This information is not correct and contradicts my actual payment history, which shows all obligations met on time. Allowing this error to remain is misleading and harmful.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy Court - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-03 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 submitting this complaint to dispute the fraudulent account currently appearing on my credit file. I have no association with this account and never authorized or opened it. Its reporting is false, unjust, and negatively affects my credit history.

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was given clearance to retrieve my vehicle following a repossession, and I was provided the contact information for XXXX XXXX. However, XXXX XXXX has informed me that they no longer have possession of the vehicle. I communicated this multiple times to Fifth Third, but I was repeatedly transferred back and forth between the two companies until I escalated the matter to a supervisor. The supervisor eventually confirmed that the lot I was directed to no longer has the vehicle.

Since then, I have spoken with several managers at Fifth Third, each of whom assured me that they would personally follow up with more information regarding the vehicles location. Unfortunately, I have not received any updates, and I am still without direction on how to retrieve my car. Fifth Third has told me that, according to their system, the car is still listed at a local lot, but the recovery company has made it clear they do not have it. At this point, I am unsure how to proceed, as Fifth Third has not been able to assist me in locating my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

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

1681c2 ) that you, the Experian 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 : ACCOUNTS : DEPTEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX Balance : {$1900.00} DEPTEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXXXX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} 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 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing errors on my account that violate the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ) and have resulted in inaccurate credit reporting : Payments I made were not properly recorded.

Reported balances contain clear calculation errors.

I was not provided the required 21-day notice before payment due dates, making late marks invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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 explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am filing this complaint to dispute the reporting of a fraudulent account under my credit profile. I did not authorize, apply for, or open this account, and I categorically deny any connection to it. Its presence on my report is false and continues to harm my credit 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 explanation