vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Kitch Acceptance Corp.
State: IN

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX for wrongful repossession and violation of notice requirements under the Uniform Commercial Code and Indiana XXXX. 

My vehicle was repossessed on XX/XX/year>, even though I had spoken to the lender XXXX days earlier ( XX/XX/XXXX ) and confirmed I would make a payment on the XXXX. They acknowledged this arrangement but still repossessed the vehicle the same day. 

After the repossession, I attempted to reinstate the loan and pay what I owed, but was told I could not because I was a part-time employee and had another auto loan on my credit. These are not valid legal reasons to deny reinstatement, and I was never told in advance that these factors would disqualify me. 

Months later, I received a letter from the lender stating that the vehicle had been sold but I was never sent any written notice before the sale, which is required by law. I was never told the sale date or given any opportunity to redeem or reinstate the vehicle before it was sold.

This appears to be a violation of the Uniform Commercial Code ( UCC 9-611 ), which requires written notice before a repossessed vehicle is sold. I am now suffering credit damage from the reported repossession and financial harm from the wrongful denial of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Dispute of Incorrect Addresses and Name Variations on Credit Report Dear Credit Reporting Agencies, I am writing to formally dispute certain inaccurate information appearing on my credit report. Specifically, I request the removal of all incorrect addresses and variations of my name that do not belong to me. 

The details I am contesting include : Addresses other than XXXX XXXX XXXX XXXX, are not associated with me or have never been part of my place of residence. 
Variations of my name that are incorrect or have not been used by me. 
Please conduct a thorough investigation into these items and remove any inaccurate addresses and name variations from my credit report. Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
In complaint XXXX there was suppose to be accounts blocked from my TransUnion report submitted on the XXXX of XXXX. Today XX/XX/year> they have still not been removed within the 4 days under 15 USC 1681 c 2. Please have this resolved promptly

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 2025-06-21 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: GA

Complaint narrative:
This is a separate and new dispute, not a duplicate, and is being filed based on newly discovered information as of XX/XX/year>. I am formally disputing the continued reporting of a closed collection account from XXXX XXXX XXXX ( account number ending in * XXXX ), listed on my Equifax credit report with a balance of {$1000.00}. This is a case of identity theft or fraud. I did not open this account, authorize its creation, or have any knowledge of this debt prior to its appearance on my credit file. Despite multiple requests, XXXX XXXX XXXX has failed to provide any original documentation verifying that I am responsible for this debt. No signed agreement, no original application, and no proof of consumer authorization have been presented. The only materials Ive received are generic cardholder or debt buyer documents that do not legally establish a valid consumer relationship. Under the Fair Credit Reporting Act ( FCRA ) 602A ( 4 ), 609 ( a ) ( 1 ), 609 ( e ), and 611 ( f ), I am exercising my right to dispute this account as the result of identity theft without submitting a police report, which is permitted under federal law. Additionally, the tradeline is inaccurately reported as both Closed and carrying a balance a clear contradiction that violates XXXX XXXX reporting standards and FCRA 607 ( b ), which mandates that all reported information be accurate and complete. Narrative codes 167 and 057 are vague and do not clarify the nature of this account or establish any legitimate ownership. Because this account remains unverifiable and no legal validation has been provided, FCRA 611 ( a ) ( 5 ) ( A ) requires its immediate and permanent deletion from my credit report. I request that Equifax and XXXX XXXX XXXX confirm the deletion of this tradeline and provide a complete copy of any documentation used to verify this debt, including the method of verification and the original signed contract, if such exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest has failed to comply with Federal law about removing the account from all three credit reporting agencies I sent them Multiple screenshots of inaccurate information and notifying them about it. still deny the removal, this a clear Violation. They have been informed about the inaccurate information according to XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am also attaching the screenshots of inaccurate information Equifax shows account is open and it is not open it is sold there that's a violation, their payment history is totally not accurate across all three credit reporting agencies, this is Bridgecrests Final Warning to remove this account and block from all credit reporting agencies you clearly see this information is not accurate I request immediately removal. and they can not prove any late payments because of their refusal to submit and send bank statement proving any missed payments that is the only way a late payment can be proven XXXX account # XXXX, XXXX account xxxxxxxx XXXX and XXXX is Unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
The company credit acceptance broke the law in truth lending act 15 u.s.c and 15 u.s.c right to privacy act and I have exibit a and exhibit b and the date of contract is typed and my name is in correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.

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. Account Name : # XXXX XXXX XXXX XXXX, Account Name : # XXXX XXXX Account Name : # XXXX XXXX, Account Name : # XXXX, Account Name : # ATLCAPBKSELF, Account Name : # XXXX XXXX XXXX has violated my rights. 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 byl 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 2025-06-21 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.

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. Account Name : # XXXX XXXX XXXX XXXX, Account Name : # XXXX XXXX, Account Name : # XXXX XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX XXXX T has violated my rights. 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 byl 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 2025-06-21 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: CO

Complaint narrative:
according to 42 U.S.C. 1301 ( d ) federal code child support is unconstitutional correct? Is child support constitutional in federal court in Colorado?

You have also failed to perform a reasonable investigation under 1681i ( a ) of the FCRA, as required when a consumer initiates a dispute. The continued presence of inaccurate or unverifiable entries suggests willful noncompliance with federal law. This behavior is not only negligentit is unlawful.

Therefore, I demand the following actions be taken within 15 days of receipt of this notice : The permanent deletion of all inaccurate, outdated, or unverifiable items I previously disputed. 
specifically # case 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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BANK OF AMERICA CLOSED MY CREDIT CARD ACCOUNT WITHOUT MY KNOWLEDGE. WE HAVE A 27 YEAR ONGOING RELATIONSHIP OF SAVINGS ACCOUNT CHECKING ACCOUNT AND ANNUITY ACCOUNT. SOMEONE FROM MERRILL JUST CALLED ME AND I SHARED THAT AFTER THE FIRST OF YEAR I WOULD MOVE MY MONEY FROM TIAA CREFT TO BOA. WHAT A WAY TO BE TREATED AFTER ALMOST 30 YEARS OF SERVICE. TO MAKES THINGS WORST THE ACCOUNT HAS NEVER BEEN 30 DAYS PAST DUE AND AS PROMISED I BROUGHT THE ACCOUNT UNDER ITS CREDIT LIMIT.

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 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was paid in full - paid off. 
Described events from the document dated XX/XX/XXXX did NOT take place. 
It was as if once I gave them the money they had no idea who I was. 
No XXXX XXXX. No Title. No XXXX. NOTHING. 
Reference # XXXX VIN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
An unauthorized log in added an unauthorized card to my cash app and withdrew my funds on to this unknown card. I attempted to let cash app Know that this was unauthorized and they do have a guarantee that any unauthorized transactions would be credited back to me.However they deny that it is unauthorized. I did not benefit from this transaction. They still refuse despite the guarantee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Navy Federal, I am submitting this formal complaint through the Consumer Financial Protection Bureau ( CFPB ) to document and request immediate remedy for a prolonged and unresolved issue involving : Mismanagement of my debit card reissuance request Continued restriction of access to my primary checking account Financial and operational harm caused by these failures In XX/XX/XXXX, I reported fraudulent activity on my primary checking account and visited a branch to request a new debit card. I was informed that a replacement card would be issued. However, I was mistakenly given a card linked to a secondary checking account, and my primary account remained frozen and inaccessible. Despite repeated attempts to resolve the issue, my access to deposited funds including business related capital remaining restricted. 

To this day, my original debit card does not appear in my NFCU online portal or mobile app. I continue to receive notifications of charge attempts as recently as XX/XX/XXXX, despite the account being frozen. No written acknowledgment, follow-up, or resolution has been offered by NFCU. 

As a result of this failure : I incurred over {$1100.00} in unauthorized or unintended charges on the secondary account I relied on credit cards and incurred avoidable costs and interest I lost access to an average daily balance of {$2000.00} for over 12 months, representing substantial opportunity cost and restricted liquidity I spent hours documenting and attempting to resolve the issue with no formal investigation outcome provided Requested Resolution : 1. Written acknowledgment and internal investigation of the mishandled card issuance and account access failure, 2. Full reimbursement of {$4300.00} in damages, including : - Unauthorized usage of misissued account ( {$1100.00} ) - Loss of use based on average daily balance access restriction - Time and effort to resolve and document issue - Statutory/regulatory harm 3. Immediate restoration of full access to my primary account.

4. Review and correction of any internal flags, limitations, or reporting associated with this error.

I also reserve the right to recover future administrative costs for verifying the integrity of NFCUs internal investigation Thank you for your attention in this matter. 

With XXXX, XXXX, Navy Federal Credit Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
This collection popped up on my collection report and I was never given proper notice of the collection, what it was for or given any chance to dispute the information prior too. For all I know this could be a false account and with that being said I would like to invoke my right per section 605B of the fair crediting act To have this fraudulent account removed from my report and blocked permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I am writing to follow up on my previous formal disputes regarding the unverified and inaccurately reported negative account listed on my credit report : Account in Question : XXXX AUTO - XXXX * * * * Despite your prior assurance of an investigation, I have yet to receive any verifiable documentation or proof confirming the accuracy of this account. Let me be clear : I do not accept this account as verified. My repeated disputes reflect its unverified and inaccurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a certified cashiers check for XXXX dollars on XX/XX/XXXX. I asked the teller if there would be a hold on the check as if so, i would not have deposited it, and I would have went tot the issuing bank and cashed it then got the cash and deposited it. I was told that the check would be cleared the next morning, the XXXX at XXXX. That was a bold faced lie. I found after a bunch of bills that I attempted to pay bounced and were not honored. This while the check which I received from my mother for rent, was deducted from her account on XX/XX/XXXX the day i deposited it into my account. Yet Bank of America refuses to permit me access to my money. This disgraceful bank lied to me to my face when i asked if it would be cleared. I am livid over this as I had a XXXX XXXX XXXX XXXXXXXX XXXX that I was going to purchase for XXXX dollars, which was an excellent deal that I will not find again. Theese XXXX cost me a purchase, and also are bouncing my truck payment as well as a slew of other payments i had submitted. If anyone is reading this and thinking of opening a checking or savings account with this lying bank, don't do it, their ATM machines eat your atm cards, i lost XXXX cards in 6 months for no reason and it takes them over a week to give you a new card, so you can not make purchases. It seems they do all they can to block you from having access to your own money and the whole entire organization is a disgrace!

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 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I opened an ols ( online saving account ) on marcus.com from Goldman Sachs in XXXX and have used it since. On XX/XX/XXXX I received an e- mail from marcus which seemed to be very important ( but contained absolutely no actual information ) to call them ASAP. I called the phone # XXXX and before I knew what happened They had froze my account. I talked to XXXX or more reps, each dumber then the previous one for several hours. They have no authority to solve anything except to talk to me like I was a criminal and not a customer. Really Goldman, You can't do better then a low end no quality cheapest offshore customer service facility in the world. I'd give you a XXXX but XXXX star is all I got. There was absolutely no reason for that e- mail in the first place. 6 years XXXX issues Why did you really send that e-mail?? I currently have approximately {$10000.00} sitting in my marcus ols

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am filing a complaint against LexisNexis for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ). I formally disputed a bankruptcy listed in their report that is inaccurate and unverifiable. The record does not exist in PACER, the official federal bankruptcy record system. 

After reviewing the dispute, LexisNexis acknowledged that the bankruptcy can not be verified and removed it from my LexisNexis report. However, they are now refusing to notify the credit bureaus ( XXXX, XXXX, and XXXX ) that the bankruptcy is unverifiable and should be removed from my credit file as well. 

This violates : XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( D ) which requires the furnisher to notify other credit reporting agencies if inaccurate or unverifiable information is removed as a result of a reinvestigation. 
XXXX XXXX XXXX XXXX ( b ) which outlines the duties of data furnishers after a dispute is filed. 

LexisNexis is aware that the data is not accurate, yet continues to allow the misinformation to harm my credit profile by failing to notify the consumer reporting agencies of their findings.

Company response to consumer: Closed with explanation