vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
Complaint Summary : Experian, Equifax, and TransUnion are reporting multiple false and duplicate accounts under the names XXXXXXXX XXXX XXXX XXXX, and XXXX These accounts are listed with late payments and open balances, but none of these reporting agencies or furnishers have provided any signed promissory note or legal documentation proving that these accounts belong to me. 

Below are all the accounts being reported falsely and without verification : XXXX Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1100.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$2200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1200.00} ( Updated : XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Education Loan Status : Open XXXX XXXX XXXX  ( XXXX Serviced Accounts ) Late Payment Balance : {$1200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1100.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$2200.00} ( Updated : XX/XX/XXXX ) Account Number : XXXX XXXX / DOFED Late Payment Balance : {$1100.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$2200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$1200.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) Late Payment Balance : {$4700.00} ( Updated : XX/XX/XXXX ) * * Account Numbers Showing Clear Discrepancies and Duplicates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported under multiple variations of the same servicer and same balances, which indicates duplicate, inaccurate, and unverified reporting. I have never received any signed or original documentation proving that I opened or authorized these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) 602, 611, and 623, credit reporting agencies are prohibited from reporting unverifiable or inaccurate information. Until verifiable documentation bearing my signature is provided, these accounts must be deleted immediately. 

Their continued reporting violates federal law and has caused significant harm to my credit profile. 

Requested Resolution : Immediate deletion of all XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX accounts listed above including all related late payments and balances from my Experian, Equifax, and TransUnion credit reports, and written confirmation of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Summary of Issue : Navy Federal Credit Union is reporting a {$44000.00} repossession deficiency that appears inaccurate, disproportionate, and unsupported by proper documentation. I made payments on an approximat {$71000.00} auto loan ( which included rolled-in negative equity ) for nearly five years. Despite this, only around {$20000.00} of the total balance was reduced. This raises serious concerns about interest application, loan structure, and whether the loan was affordable or reasonably designed.

Before the repossession, we experienced major mechanical issues with the vehicle that significantly impacted its safety, reliability, affordability and value. These issues made it difficult to continue paying such a high payment. We communicated with Navy Federal multiple times between 612 months telling them of our intent to surrender the vehicle due to these documented issues. However, despite repeated notifications, Navy Federal delayed repossessing the vehicle for an extended period, which resulted in additional interest, fees, and balance increase. Their delay directly contributed to the inflated deficiency they now claim.

At the time of repossession, Navy Federal stated a remaining balance of approximately {$52000.00}. The vehicle was later sold at auction for around {$9000.00}, leaving a claimed deficiency of roughly {$44000.00}. Considering the mechanical condition, the prolonged delay in repossession, and the extremely low auction sale price, this deficiency amount appears unreasonable, unfair, and potentially unlawful under UCC requirements for commercially reasonable sales. 

Consumer Harm / Affordability Concerns : The fact that after five years of payments the balance was still over {$52000.00} indicates the loan may not have been structured in a fair or affordable manner. The resulting {$44000.00} deficiency is financially unmanageable and disproportionate compared to the payments made and the vehicles true value. The combination of questionable interest application, delayed action by the lender, and the extremely low auction price raises concerns about the accuracy, fairness, and legality of the deficiency calculation.

Requested Resolution : I am requesting the CFPBs assistance in obtaining from Navy Federal Credit Union : A complete accounting and validation of the alleged deficiency Documentation of all fees, interest calculations, and payment applications Proof that the repossession and auction process complied with legal standards Evidence that the sale was commercially reasonable Correction, reduction, or removal of any inaccurate reporting A review into whether the deficiency is accurate, fair, and enforceable Thank you for your assistance.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$21000.00} XXXX, Account No : XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX, Balance : {$15000.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$900.00} XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$16000.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$18000.00} XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX, Balance : {$30000.00} Late Payment : I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : XXXX XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX 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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint with asynchrony Bank for closing a Care Credit account that I had always on time payments with, zero balance, and was in good standing. 
The creditor closed the account for vague risk management reasons. 
I was never notified because the letter was sent to the wrong address. This denied me the right to respond or correct the issue. The closure has caused credit score harm because it was reported closed by guarantor rather than closed by consumer. 
I am requesting reinstatement or correction of the reporting. 
Due to an improperly mailed adverse action notice, the closure was done without my knowledge. 

I spoke to the company over the phone and verified that the letter was sent to the incorrect address. However, they would not send a statement of this to me and only offered to send the latter to my updated address, and said it would take up to XXXX days to receive by mail. So I do not have any copies of these documents.

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 2025-11-13 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 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 2025-11-13 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-11-13 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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 connection to these accounts ; please remove them within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IN

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing against collection account that have been reported on my credit file : CREDIT COLLECTION SERV ( original creditor : XXXX XXXX XXXX ), account number XXXX, date opened XX/XX/year>, I have never authorized this account to be reported and I am requesting their immediate deletion. After reviewing my credit report, I noticed this unverified collection account and I have not received any validation or proper documentation regarding this debt, including a signed agreement, a detailed breakdown of the amount owed, or proof that this company have the legal right to collect the debt. The failure to provide such documentation is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which requires debt collectors to validate debts upon consumer request. 

Furthermore, the collection agencies failed to provide me a fair opportunity to dispute these debts, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite this lack of validation, they proceeded to report this account to the credit bureaus, which is an illegal practice under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ). This section prohibits the furnishing of information to credit bureaus without the consumer receiving proper disclosures and an opportunity to dispute the debt. They also violated 15 U.S.C. 1681b, which restricts the inclusion of accounts in consumer reports without a permissible purpose. This situation has caused unnecessary harm to my credit and financial reputation. Therefore, I am requesting that the CFPB take immediate action to ensure that this collection account are properly investigated and that CREDIT COLLECTION SERV provide full validation of this debt, including a signed agreement, proof of the original creditor, and evidence of their legal right to collect this debt. Additionally, I am requesting that this account be deleted from all consumer reporting agencies as they have not been properly verified. 

If this issue isn't resolved, I will pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA. I urge that these violations be addressed promptly, and these unverified accounts be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sparrow Financial, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, my employer deposited a commission check of {$16000.00}, via " XXXX XXXX '' to my Sparrow Credit Card. Prior to this date, I already had a surplus balance of over {$1000.00} due to the limit being {$300.00}, and a previous check had been deposited to this account. I immediately began an inquiry over the phone asking for the surplus amount to be refunded to me so that I can deposit it to my personal checking account. I was told that my inquiry had to be escalated. After calling multiple times with no action on their end, I received an email on XX/XX/year> from the credit card company informing me that they closed my account. They stated they closed it due to finding out I filed bankruptcy. The fact is my wife filed bankruptcy and I am not included in the filing as she filed alone, which has been confirmed by her attorney. Additionally, this creditor was never included in her reported debt as she is not associated with this account. I also reached out to my employer and the XXXX XXXX support team sent a Letter of Indemnity to Sparrow with no response. I am seeking the money that is mine since there was no balance owed to Sparrow on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Tried to get a validation of debt and was unable to get this directly to the Company within the lot of time with the law states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX I submitted written medical-hardship requests to Capital One for all three of my credit-card accounts : Capital One Card Ending XXXX Balance approx. {$6700.00} Capital One Card Ending XXXX Balance approx. {$3000.00} Capital One Card Ending XXXX Balance approx. {$2700.00} I am terminally ill, unable to work, and informed Capital One in writing and by phone that I needed a medical hardship review. I also spoke with Capital One on or about XXXX XXXX XXXX and disclosed my condition and inability to pay. I was told there was no escalation or hardship team they could connect me to, and no written response was ever provided. 

Despite receiving my hardship letters and verbal notice, Capital One continued reporting all three accounts as past due in XXXX and XX/XX/year>. In XX/XX/year>, Capital One charged off the account ending in XXXX without reviewing my hardship request and without issuing any written notice of action taken. Capital One also continued sending collection-style letters demanding payment instead of honoring my hardship review request. 

These actions violate : FCRA 1681s-2 ( a ) furnishing inaccurate or incomplete information while an account is in documented dispute or hardship review ECOA/Regulation B 1002.9 ( c ) failure to provide required written notice of action taken on a credit-assistance request CFPB UDAAP standards unfair and abusive treatment of medically vulnerable consumers I am requesting full investigation, correction or deletion of the negative credit reporting on all three accounts, and confirmation that my medical hardship review will be processed.

Company response to consumer: Closed with explanation