vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: AMERIS BANCORP
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, several accounts appeared on my XXXX  credit report that I believe are inaccurate and fraudulent. These negative entries resulted from identity theft connected to the XXXX XXXX XXXX XXXX breach. I did not open, authorize, or use these accounts. 

XXXX XXXX ( Acct. ending XXXX ) Opened XX/XX/XXXX, reported with a charge-off as of XX/XX/XXXX, balance of {$460.00}, last payment XX/XX/XXXX. 

XXXX XXXX  ( Acct. ending XXXX ) Opened XX/XX/XXXX, closed XX/XX/XXXX, reported as XXXX days late with balance of {$2300.00} and last payment XX/XX/XXXX. 

XXXX XXXX ( Acct. ending XXXX ) Opened XX/XX/XXXX, closed XX/XX/XXXX, reported as charge-off with balance of {$380.00}, no payments made. 

Ameris BankXXXX XXXX XXXX Acct. ending XXXX ) Placed for collection on XX/XX/XXXX, showing {$5500.00} balance in collection status. 

I first became aware of these accounts when reviewing my credit file ( XXXX XXXX. XXXX ) dated XX/XX/XXXX. I immediately submitted a formal dispute to XXXX  on the same date, citing my rights under 15 U.S.C. 1681c-2 ( FCRA Identity Theft Block ) and the XXXX XXXX XXXX XXXXXXXX XXXX 

These accounts are fraudulent, unverifiable, and are harming my credit history. I request immediate deletion of the accounts and written confirmation that they have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-27 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: MS

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting by Equifax XXXX XXXX XXXX Account XXXX To Whom It May Concern, I am writing to file a formal dispute regarding inaccurate and misleading information reported by Equifax on my credit report concerning the following account : Creditor : XXXX XXXX XXXX Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$280.00} inaccurate account paid out in full Charge-Off Amount : $ XXXX this balance was not a charge off and it was paid in full Date of Last Payment : XX/XX/XXXX, inaccurate account paid out in full in XXXX Account Status : Closed- correct Loan Type : Unsecured Installment Account Owner : Joint Account This account was paid in full and closed in good standing on XX/XX/XXXX, with 100 % of payments made on time and no remaining balance. However, Equifax has repeatedly reported inaccurate information, including : A charge-off designation added in XX/XX/XXXX, nearly four years after the account was closed A late payment of {$280.00} reinserted between XX/XX/XXXX, and XX/XX/XXXX, despite prior removal A reported balance of {$280.00}, which is factually incorrect These actions are not only inaccurate but also damaging to my credit profile. It is illogical and improper for a charge-off to be reported years after the account was closed and paid in full. I have made multiple attempts to resolve this directly with Equifax, including submitting documentation that confirms the account was paid in full in XXXX. Despite this, the erroneous data continues to be reinserted. 

I am requesting the CFPBs assistance in ensuring the following corrections are made : Permanently remove the charge-off designation Remove any late payment entries and past due balances Update the account status to reflect Paid in Full and Closed in Good Standing Ensure no further inaccurate data is reinserted Attached are copies of my prior disputes, Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting. Equifaxs repeated failure to correct this error after multiple disputes constitutes a violation of my rights under the FCRA. 

Thank you for your attention to this matter. I respectfully request a prompt investigation and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX ( inquiry ) XXXX. XXXX XXXX  XXXX ( inquiry ) XXXX. XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX ( inquiry )

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 2025-08-27 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 reached out to each individual company as well as Experian and was not provided proof of application or contracts for verification. These inquires do not belong to my credit profile. 


XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
They will not abide and Apply SCRA to the debt. 

SCRA IS A FEDERAL LAW! 

Title code 50 U.S.C. 3937 Ive asked for them to stop adding the interest to my debt from the date of me joining XXXX XXXX. XX/XX/year>. They said they dont know about it or they dont handle that stuff, that I need to contact original creditor. SCRA follows the debt not the creditor. The debt was sold and they own it, so it falls on them. I have Military orders as well. They will not abide by SCRA laws under title code XXXX XXXX to stop charging the interest and should lower it to 6 % from the date of joining 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 2025-08-27 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX \n\n\nEQUIFAXXXXX XXXX XXXX GA XXXX XXXXSubject: Formal Dispute Regarding Inaccurate Information on My Credit Report\n\nDear Equifax,\nI am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:\n\n Conducting inadequate investigations that fail to address consumer disputes properly.\n Reinserting previously disputed and inaccurate information without explanation.\n Failing to notify consumers about investigation results effectively.\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\nPlease review the inaccurate information being reported:\n\n1. Under the FCRA, you are required to:\n\n Conduct a proper investigation into my dispute.\n Inform me of the results of your investigation in a clear and comprehensible manner.\n Provide me with any documentation you rely on if the disputed information is verified as accurate.\n Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\n\nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.\nThank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.\n\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
CEASE AND DESIST NOTICE [ XXXX XXXX [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX Tx XXXX [ XXXX XXXX Via Certified Mail - Return Receipt Requested To : - LVNV Funding LLC - XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Notice - Accounts ) in Your Files To Whom It May Concern : I am formally requesting, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you cease all communication with me regarding any and all alleged debts you claim I owe.

This includes, but is not limited to, phone calls, letters, emails, or any other form of contact to myself, my family, my place of employment, or any third parties.

You are hereby notified that : 1. I dispute the validity of any alleged debt you claim to be owed.

2. You must cease collection efforts immediately, except as allowed under the FDCPA ( e.g., to notify me of specific legal remedies you may intend to pursue ).

3. Any further attempts to collect, outside of the allowances under the law, will be documented and may be considered violations of federal law.

Please ensure this request is properly noted in your records and forwarded to any of your affiliates, attorneys, or agents who may also be attempting to contact me.

Failure to comply with this notice may result in me pursuing my rights under the FDCPA, which allows for statutory damages, attorney 's fees, and costs. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I attended a sales event organized by a company called XXXX XXXX XXXX where they advertised used cars at extremely low prices. This was my first time purchasing a car. I was interested in a XXXX XXXX XXXX. 

When I inquired about the price, the salesman ( XXXX ) refused to disclose the actual purchase price of the vehicle, only quoting potential monthly payments. Initially, I was told the monthly payment would be {$380.00}, which I declined. After negotiations, we agreed verbally to {$290.00} per month. 

However, at the time of signing, I noticed the contract listed {$800.00}. When I questioned this, XXXX assured me it was on their end and reaffirmed that I would only be responsible for paying {$290.00} per month. Later, I discovered that the dealership had listed the car at {$42000.00}, which is nearly double its actual value of approximately {$21000.00}. 

This constitutes : A failure to disclose the true cost of credit and finance charges at the time of signing, as required by the Truth in Lending Act ( TILA ). 
Misrepresentation of the vehicles price and misleading information about the monthly installment. 

Only after receiving billing information did I realize the full extent of the charges and misrepresentation. 

This is a violation of the Truth in Lending Act because the dealership failed to disclose the true cost of credit, finance charges, and the actual purchase price before signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-27 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Some one sent me some money XXXX  XXXX and XXXX the first XXXX was XXXX XXXX dollars the second one was for XXXX usd I received notification to enroll with Zelle to complete the transfer so u did and dis not receive anything nor was it pending the person who sent me the money showed. Me on the phone its not pending or payment wasnt stopped it just shows completed. But what happen to my money if it shows completed. On their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I purchased items from Sams Club arrived soiled, wet and defective non-consumable.

Sams Club online chat discard items and will issue a refund. {$81.00} was charged to this card other methods payment {$100.00} total all Refund issued mandarin oranges {$11.00}, XXXX XXXX XXXX  {$39.00}, XXXXXXXX XXXX XXXX  {$10.00}. 

XXXX XXXX {$14.00} waiting refund its show refund issued but I dont see it no other refund method is showing on my XXXX XXXX account No refund so far {$14.00} XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XX/XX/year>, 3rd time vehicle would not start after bringing it into the dealership to have it " fixed '' under warranty. Had a broken bumper prior to buying it. Said it would be fixed. Took weeks, and the front bumper had to be repaired XXXX more times for that as well as the latch on the back of the trunk would not work and slammed down and broke the windshield

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. 
ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
They will not abide and Apply SCRA to the debt.

SCRA IS A FEDERAL LAW!

Title code 50 U.S.C. 3937 Ive asked for them to stop adding the interest to my debt from the date of me joining XXXX XXXX. XX/XX/year>2023. They said they dont know about it or they dont handle that stuff, that I need to contact original creditor. SCRA follows the debt not the creditor. The debt was sold and they own it, so it falls on them. I have Military orders as well. They will not abide by SCRA laws under title code 50 U.S.C to stop charging the interest and should lower it to 6 % from the date of joining XXXX XXXX.

Company response to consumer: Closed with non-monetary relief