vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America was the original lender on my auto loan for a XXXX XXXX. 

The loan was paid in full over XXXX years ago, however BOA failed to release the lien on the vehicle. 

The vehicle was recently totaled, and my insurance company ( XXXX ) is unable to issue payment because BOA has not released the lien or provided valid documentation to the Ohio XXXX. 

BOA representatives repeatedly claimed the lien release was faxed and mailed on XX/XX/XXXX, but : The Ohio XXXX confirms no lien release has been received BOA has not provided fax confirmation or tracking I have received nothing by mail This failure is causing financial harm, including delayed insurance settlement and significant time spent attempting to resolve BOAs error. 

I am requesting immediate lien release and written confirmation, as well as review of BOAs compliance with post-payoff lien release requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Net Pay Advance, Inc.
State: MO

Complaint narrative:
We have been attempting to resolve our account with NetPay Advance in good faith for approximately two months. We initially enrolled with a credit counseling service ( XXXX ) to establish a repayment plan, but NetPay Advance refused to work with the credit counseling agency.

Since then, we have repeatedly tried to work directly with NetPay Advance to set up a payment arrangement. We have emailed their recovery team multiple times using the email address they provided, but we have received no responses. When we spoke with NetPay Advance by phone, we were told that only the recovery team could assist us and that they could only be contacted by emaildespite the fact that they have not responded to any of our emails.

Additionally, we filed a complaint with the XXXX XXXX XXXX. In their response to that complaint, NetPay Advance acknowledged that they chose not to respond to us, despite our continued attempts to communicate and resolve the issue.

Meanwhile, NetPay Advance continues to charge interest at an extremely high rate ( approximately 300 % ), which continues to accrue daily. They have not paused interest, offered a payment plan, or provided any reasonable path to repayment, despite our clear willingness and repeated efforts to pay the debt.

We are not refusing to pay this debt. We are actively seeking a reasonable repayment arrangement and have been unable to do so due to NetPay Advances refusal to communicate or engage. We are requesting assistance in getting NetPay Advance to respond, stop excessive interest accrual, and work with us in good faith to resolve this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: CA

Complaint narrative:
Company : Volkswagen Credit , Inc.

Product : Auto loan Issue : Credit reporting / Incorrect information on credit report Volkswagen Credit , Inc. mailed my final auto loan payment to an incomplete address that did not include my apartment number. The payment was not properly delivered or applied, which caused my account to be reported as over 90 days delinquent to XXXX, XXXX, and XXXX. I have never missed a payment with them and never received information to make the final payment.

I contacted Volkswagen Credit to dispute the delinquency. Volkswagen Credit denied responsibility, stating that I am responsible for address accuracy and claiming the payment was not returned. Volkswagen Credit has not provided proof of successful delivery, and mailing a payment to an incomplete address does not constitute valid delivery.

The reported delinquency resulted solely from Volkswagen Credits servicing and payment handling error, not from a failure to pay. Reporting a 90-day delinquency under these circumstances is inaccurate and misleading.

I have submitted a formal written notice of servicing error to Volkswagen Credit disputing the accuracy of this reporting and requesting correction.

What I want Volkswagen Credit to do to resolve this complaint : 1. Correct my account to reflect no delinquency 2. Delete all negative credit reporting related to this incident from all consumer reporting agencies 3. Remove all late fees, penalties, and interest assessed as a result of this error 4. Provide written confirmation that my account has been corrected Volkswagen Credit is furnishing information that is not accurate as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). If Volkswagen Credit can not substantiate proper delivery and application of the final payment, the disputed information must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-30 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: NC

Complaint narrative:
I regularly review my credit report because my credit score is important to me. Despite this, this account continues to be reported inaccurately, even after I have raised this issue multiple times. The false information has not been corrected and remains on my credit report, causing ongoing stress and unfairly damaging my credit score and overall financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These account needs to be removed due to identity theft and XXXX XXXX breach, its no way its verified they already been removed on multiple reports and needs to be followed up by TransUnion I have submitted a dispute with TransUnion XXXX months ago they still havent responded the information these accounts needs to be removed immediately, XX/XX/year> I sent a dispute its XX/XX/year> this is a violation to the FCRA PLEASE REMOVE THESE ACCOUNTS THET WERE RE INSERTED due to FCRA violation it need to be removed due to identity theft it needs to be removed I have proof multiple evidence 15 U.S. Code 1681i

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I did not benefit or authorize inquiries listed, delete at once. I dispute the accuracy, completeness, and legal reporting of any late payments, charge-offs, collections, or inquiries on my credit report. Under the Fair Credit Reporting Act and related consumer protection laws, any item not fully verified, authorized, and accurately reported must be corrected or removed. This is not an admission of liability. All rights reserved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On XX/XX/year> I filled out a Voluntary Removal of Joint Owner Request form and submitted via Navy Federal online message center to have my name removed from my adult son checking and savings account. When I submitted the form the account was in a good standing with a positive balance.

Navy Federal failed to proceed the form in a timely matter and when the form was processed the account was overdrawn, Navy Federal has refused to remove my name from the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I call target XXXX XXXX  i spoke to one of there representative I ask can they send me a 1099c for the {$10.00} charge off that they are reporting to my credit bureaus because this is false information because you can not charge off on {$10.00} it has to be XXXX dollars or more so the representative said that she cant provide me with a 1099C so why is target report this to the credit bureaus as a charge off this is fraud and the balance was paid in full before the charge off. i would like for this account to be remove from my credit report due to the fraud that was initiated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing the following collection accounts because they are being reported without proper verification as required by the Fair Credit Reporting Act. These accounts are furnished by third-party debt buyers who have failed to provide competent evidence of legal responsibility, including signed agreements, complete chain of title, itemized balances, and verifiable dates of first delinquency. Any prior verification appears to rely on automated or superficial confirmation rather than a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). Continued reporting of incomplete and unverifiable information violates 1681e ( b ), 1681i, and 1681s-2 ( b ). If Experian and the furnishers can not fully substantiate these accounts and disclose the method of verification used, I am requesting immediate deletion and have initiated simultaneous complaints with the CFPB and the California Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing the following collection accounts because they are being reported without proper verification as required by the Fair Credit Reporting Act. These accounts are furnished by third-party debt buyers who have failed to provide competent evidence of legal responsibility, including signed agreements, complete chain of title, itemized balances, and verifiable dates of first delinquency. Any prior verification appears to rely on automated or superficial confirmation rather than a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). Continued reporting of incomplete and unverifiable information violates 1681e ( b ), 1681i, and 1681s-2 ( b ). If XXXX  and the furnishers can not fully substantiate these accounts and disclose the method of verification used, I am requesting immediate deletion and have initiated simultaneous complaints with the CFPB and the California Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
None of the information sent matches the information being reported this is totally unacceptable, I have evidence to prove this is not my account, theres not significant evidence to support that no signature the balances dont match whats be reporting trying be collected this is fraud please stop trying to collect before I take this to court!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I, XXXX  XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This account is disputed as inaccurate and incomplete. Portfolio Recovery Associates has not provided proof of ownership, chain of title, or contractual basis for the balance. Continued reporting without substantiation violates the Fair Credit Reporting Act and has been escalated to the CFPB and the California Attorney General

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am not disputing that a HELOC draw occurred. I made the draw based on misleading and incomplete information provided by Bank of Americas closing team. The harm resulted from misrepresentation at closing, servicing failures, refusal to pause collections, failure to provide executed loan documents, and improper credit reporting. 

During closing, I was led to believe I was applying for and receiving additional funds in a manner that did not align with the actual structure and consequences of the transaction. The application and draw process was confusing, involved multiple teams, and was materially misleading. 

After recognizing that something was wrong, I promptly contacted Bank of America and explicitly requested time to review the situation, including a reasonable request to pause collections while the matter was evaluated. Bank of America declined to pause collections and continued collection activity.

Critically, during numerous communications via the Bank of America app, written correspondence, and phone calls, Bank of America never explained how I could avoid negative credit reporting. Any one of these interactions could have conveyed that paying the monthly obligation would prevent credit harm. Instead, I was repeatedly presented with demands for payment of the entire balance of approximately {$40000.00}. Had accurate guidance been provided, I could have easily avoided any adverse credit impact. 

Bank of America then reported negative credit information that was entirely avoidable and directly caused by its own servicing failures. 

Compounding these issues, Bank of America failed to respond to my request for copies of the complete executed loan document package from my notary closing. I do not have the documents I signed, despite the bank relying on them to justify collections activity and credit reporting.

Finally, Bank of Americas written response consisted of generalized, boilerplate credit language and did not address the specific facts raised, indicating that no substantive review has occurred.

I am requesting correction of the credit reporting, delivery of the executed loan documents, and a substantive review of Bank of Americas servicing conduct.

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