vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: TN

Complaint narrative:
To Whom It XXXX Concern, I am formally disputing the reporting of late payments associated with my XXXX XXXX XXXX XXXX secured loan and XXXX XXXX. According to my credit report, These accounts are listed as Paid & Closed and indicates that 100 % of the balance has been satisfied. Despite this, the accounts continue to reflect a late payment history, which is both inconsistent and misleading. Under the Fair Credit Reporting Act ( FCRA 1681s2 ( a ) ), furnishers of information are required to report complete and accurate data. The current reporting does not accurately reflect my payment performance, as my record shows full repayment of the loans and a closed status in good standing. Additionally, the Truth in Lending Act ( TILA 1666b ) mandates that payments be credited as of the date received. If any delay or error in crediting my payments occurred on the part of the creditor, it should not have resulted in a delinquency being reported to the credit bureaus. I am requesting that your bureau conduct an immediate reinvestigation of these accounts reporting. If the furnisher can not provide documented proof verifying that any reported delinquency was both accurate and properly processed, I respectfully demand that the inaccurate late payment entry be removed from my credit file immediately in compliance with federal law. Please provide written confirmation of the completion of this investigation and any corrective actions taken to ensure my credit file reflects accurate and verifiable information. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It XXXX Concern, I am formally disputing the reporting of late payments associated with my XXXX XXXX XXXX XXXX secured loan and XXXX XXXX. According to my credit report, These accounts are listed as Paid & Closed and indicates that 100 % of the balance has been satisfied. Despite this, the accounts continue to reflect a late payment history, which is both inconsistent and misleading. Under the Fair Credit Reporting Act ( FCRA 1681s2 ( a ) ), furnishers of information are required to report complete and accurate data. The current reporting does not accurately reflect my payment performance, as my record shows full repayment of the loans and a closed status in good standing. Additionally, the Truth in Lending Act ( TILA 1666b ) mandates that payments be credited as of the date received. If any delay or error in crediting my payments occurred on the part of the creditor, it should not have resulted in a delinquency being reported to the credit bureaus. I am requesting that your bureau conduct an immediate reinvestigation of these accounts reporting. If the furnisher can not provide documented proof verifying that any reported delinquency was both accurate and properly processed, I respectfully demand that the inaccurate late payment entry be removed from my credit file immediately in compliance with federal law. Please provide written confirmation of the completion of this investigation and any corrective actions taken to ensure my credit file reflects accurate and verifiable information. Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Company : Credit Acceptance Corporation Mailing Address : XXXX XXXX  XXXX, XXXX, MI XXXX Account Number : XXXX Complaint : I am filing this complaint because Credit Acceptance Corporation continues to report an account that is over XXXX years old on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs, collections, or late payments may not be reported beyond XXXX years from the original delinquency date. 

This account is past the legal reporting period and should have been automatically removed from my credit file. The continued reporting of this tradeline is inaccurate and unfairly impacting my credit profile.

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 2025-10-12 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: PA

Complaint narrative:
All the info on my accts is incorrect the dates and the amount i know that some of these are not my accounts starting with - 1. XXXX {$1400.00} Written off I had went to court on XX/XX/XXXX and they lost can not collect on this account they had no proof it was mine and it was supposed to be removed from my credit report never was, it's things like this are ruining my credit. 2. XXXX  the amount is XXXX but it should of been XXXX i paid all this of on XXXX XXXX to the owner is true accord there is proof attached, XXXX i bought a phone for 24 months and i paid it off everbody knows if you don't pay it off they keep your phone locked mine is working. phone # XXXX. 4.Sychrony XXXX  wrong dates and amounts acct XXXX paid off also under the new law it was used for XXXX  and XXXX, please remove. XXXX acct XXXX said this acct was opened on XX/XX/XXXX that is not true and not my account {$480.00}. XXXX XXXXXXXX XXXX acct XXXX opened on XX/XX/XXXX not true and not mine. XXXX XXXX XXXX formally XXXX XXXX XXXX  {$630.00} acct XXXX date opened XX/XX/XXXX wrong dates and amounts and not mine. i ask for validation on every acct on my file 4 times since XX/XX/XXXX i have all proof by certified mail i want every account on my credit file removed for not validating any accounts just ignore my request nothing was sent to me in reference to validation, also the only inquirie on my file said i will not get no ding thru experian i sent the report you can see it there. I was to thank you so much for helping me out, this has been years in the making and i am not getting anywhere. hopefully with you 's i can and i know yous have alot on your plate, so i thank you so very much, 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
U.S bank allowed someone steal and overdraft {$730.00} off my card all at once which they dont allow you to overdraft at their bank.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For some strange reason PayPal decided to take {$300.00} from for no XXXX reason and I've been calling everyday religiously to get my money returned because I am on fixed income I only have my social security XXXX money I get once a month and I don't have the luxury of giving out free money I am not rich and there is no reason I would give away my money to PayPal so please return my money ASAP I can't believe PayPal is full of little thiefs that steal your customers money!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 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: OK

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
Back After several attempt to request proof of debt owed I never receipt paperwork to validate my signature and Payment history Account Details to begin disputing a collections account. 

Accounts ( XXXX ) OLIPHANT USA , LLC View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX BANK Date assigned XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TN

Complaint narrative:
To Whom It XXXX Concern, I am formally disputing the reporting of late payments associated with my XXXX XXXX XXXX XXXX secured loan and XXXX XXXX. According to my credit report, These accounts are listed as Paid & Closed and indicates that 100 % of the balance has been satisfied. Despite this, the accounts continue to reflect a late payment history, which is both inconsistent and misleading. Under the Fair Credit Reporting Act ( FCRA 1681s2 ( a ) ), furnishers of information are required to report complete and accurate data. The current reporting does not accurately reflect my payment performance, as my record shows full repayment of the loans and a closed status in good standing. Additionally, the Truth in Lending Act ( TILA 1666b ) mandates that payments be credited as of the date received. If any delay or error in crediting my payments occurred on the part of the creditor, it should not have resulted in a delinquency being reported to the credit bureaus. I am requesting that your bureau conduct an immediate reinvestigation of these accounts reporting. If the furnisher can not provide documented proof verifying that any reported delinquency was both accurate and properly processed, I respectfully demand that the inaccurate late payment entry be removed from my credit file immediately in compliance with federal law. Please provide written confirmation of the completion of this investigation and any corrective actions taken to ensure my credit file reflects accurate and verifiable information. Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
While confirming information on my credit report I noticed that LVNV Funding LLC is showing as written of and paid and they continue attempt to collect on a debt that has been cared for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FC HoldCo LLC
State: TX

Complaint narrative:
This report serves as a formal complaint and request under the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). XXXX XXXX XXXX has identified inaccurate and unauthorized accounts and inquiries appearing on her XXXX credit report. This includes items resulting from a data breach that exposed her personal and financial information.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My name is XXXX XXXX I am a XXXXXX/XX/XXXXXX/XX/XXXX, and I receive social security retirement benefits to My chime account.. I recently transferred my benefits to this bank because I trusted my money would be safe. 

On XX/XX/XXXX, My account was cleaned out, and Used on various transactions I have never seen before, and when I made the disputes and asked for information about those transactions, they would not explain it to me, and I was told to please allowXX/XX/XXXXdays for them to give me a credit into my account. A total of {$1400.00} my whole check. I was never giving a credit and my check was taken and I was not able to pay my rent and medications. Then they denied my dispute. 

And then on XX/XX/XXXX, My XX/XX/XXXX retirement check was again drained from my account and I filed the disputes and again was told XXXX weeks for a credit to my account and nothing, the denied the claim and another check gone.. I am XX/XX/XXXX months without paying rent and getting evicted I need help please I want my money back i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MO

Complaint narrative:
My car payment got behindXX/XX/XXXX days as I was trying to get caught up on rent. They took my car XX/XX/XXXX I paid the same day XXXX I believe it was processed on the XXXX of XXXX, they made me make a appointment to get the car back the following Tuesday somewhere located in XXXX and I have all the emails proving that. They stated if I didnt pay everything by XX/XX/XXXX my car would be in a private sale, Ive been having my car since XX/XX/XXXX, they reported my account was closed which it is not, I apply for a house twice as my lease is up in XXXX and I was wondering why I was instantly getting denied I looked on XX/XX/XXXX and my account is reported as closed. I called them to rectify the situation they only kept telling me my account shows active on their end I advised them they needed to make sure it shows that on my credit report. I disputed it with transuion and XXXX I just look on transuion after XX/XX/XXXXdays the same thing the dispute was competed and accurate. That is not possible for them to keep doing that I requested a call back from a supervisor no one has called, i need this fixed before the end of XXXX as me and my kids have nowhere to go if they keep denying me per an recent repossession and account closure that clearly was redeemed and still in my possession. After so many calls and them telling me my account is not closed Im so confused on why they reported it back as accurate being closed. Can someone please just call them and investigate it as I still have online access I still have a active loan with them and they are still taking my money, my account is in good standings and Im on top of all payments my next one is due XX/XX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
The company randomly put a report on my credit with no letter of any sort explaining what the debt was, who it was from, or anything of that sort. I sent a debt validation letter via XXXX over a month ago and they still havent responded and I have the tracking number that states it was delivered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Bridgecrest received a payoff check from XXXX XXXX on XX/XX/year>2025. This payment was issued through an electronic transfer from my XXXX insurance company and covered the remaining balance on my auto loan in full and funds to be returned to me. 

Although Bridgecrest received the funds immediately, the company took months to process the payment internally. During this delay, they reported my account as delinquent to the credit bureaus, even though they had already been paid in full. 

Bridgecrest refunded a payment I made during this time, clearly acknowledging they already had the payoff funds. I also spoke with a manager who confirmed the following : The funds were received on XX/XX/year>2025. 
Bridgecrest was required to backdate the receipt of funds to the actual date of payment. 
My account should not have been reported as delinquent. 

Despite this, the delinquency reporting remains on my credit report. This negative mark was the direct result of Bridgecrests delay in processing payments, not any failure on my part. I complied fully with all payment obligations, and the account was paid off on time. 

This inaccurate reporting has damaged my credit standing and is in violation of fair credit reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am an XXXX XXXX service member of the United States XXXX. MOHELA has inaccurately reported a XXXXday late payment on my student loan account, even though I was prohibited from making payments due to a federal court order restricting or halting student loan payments. 

During the same period, I was serving on XXXX XXXX orders overseas, making me eligible for protections under the Servicemembers Civil Relief Act (XX/XX/XXXX, XXXX XXXX. XXXX ). The late payment report violates both : XXXX, which shields active service members from adverse credit actions caused by circumstances related to military service. 

Fair Credit Reporting Act ( FCRA XXXX ( b ) ), which requires furnishers like MOHELA to ensure the maximum possible accuracy of all reported information. 

I attempted to make payments through MOHELAs system, but the site indicated that payments were not being accepted due to the court order. Despite this, MOHELA later reported my account asXX/XX/XXXX days delinquent to the credit bureaus, causing my credit score to drop. 

I have reached out to MOHELAs XXXX XXXX Department and requested correction and goodwill deletion, but have not received resolution.

Company response to consumer: In progress