vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681c-2 regarding the XXXX XXXX  account you continue to report. The account was opened XX/XX/XXXX, closed/charged off, with a reported balance of {$2700.00} past due as of XX/XX/XXXX. 
I have disputed this account previously, yet it continues to appear on my file. Under 15 U.S.C.

1681i, I demand that TransUnion conduct a full reinvestigation and provide the method of verification. 
No such verification has ever been produced. 
Additionally, I am a documented victim of the TransUnion data breach, which compromised my personal information and increased the likelihood of fraudulent or inaccurate accounts being reported. 
Legal Violations : - 1681c-2 : Requires blocking of disputed/identity theft-related information unless properly verified.

- 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously disputed items requires certification of accuracy and written notice to me within XXXX business days. No such notice was received. 
XXXX XXXX XXXX XXXXXXXX : Since TransUnion has previously investigated and failed to validate, you are barred from Continuing to report this item.

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 2025-09-17 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: AL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681c-2 regarding the XXXX XXXX  account you continue to report. The account was opened XX/XX/XXXX, closed/charged off, with a reported balance of {$2700.00} past due as of XX/XX/XXXX. 
I have disputed this account previously, yet it continues to appear on my file. Under 15 U.S.C.

1681i, I demand that TransUnion conduct a full reinvestigation and provide the method of verification. 
No such verification has ever been produced. 
Additionally, I am a documented victim of the TransUnion data breach, which compromised my personal information and increased the likelihood of fraudulent or inaccurate accounts being reported. 
Legal Violations : - 1681c-2 : Requires blocking of disputed/identity theft-related information unless properly verified.

- 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously disputed items requires certification of accuracy and written notice to me within XXXX business days. No such notice was received. 
XXXX XXXX XXXX XXXXXXXX : Since TransUnion has previously investigated and failed to validate, you are barred from Continuing to report this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
We purchased a bed from XXXX XXXX XXXX, and they offered financing through Acima. We were told it would be a credit plan with some interest but we were never told it was a lease. This was not clearly explained in the store, and no one used the word lease during the sale. 

After the purchase, Acima set up automatic minimum payments without telling us how much we needed to pay monthly, or what would happen if we didn't pay in full. They never explained that we had to pay the full amount within XXXX or XXXX  days to avoid extremely high charges. 

We were never told : That this was a lease agreement. 

That we had to pay a specific amount within a XXXX period to avoid additional charges. 

That they would continue billing us even after paying the full purchase price. 

Now, after paying over {$3200.00}, they are still charging us and the total balance is showing as over {$7400.00}. This is extremely misleading. We did not authorize them to set up minimum payments or to divide the payment schedule as they saw fit. We were never shown a clear payment plan, balance breakdown, or deadline for full payment. We were never told that any remaining amount would balloon into thousands of dollars. 

This practice feels deceptive and predatory, especially for people with good credit who would never agree to a high-interest lease if it was clearly presented. 

Resolution Requested : Immediately cancel the remaining charges and balance. 

Close the lease/account and mark the furniture as fully paid. 

Remove any negative impact or reporting from our credit file. 

Provide written confirmation that no further payments are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TomoCredit Inc.
State: NY

Complaint narrative:
They keep trying to charge me for something I only wanted to buy for a few weeks but after that they wont let me delete or cancel my membership or anything it been months and no fix nothing and they still tryna charge me for it every day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX. I went to the XXXX XXXX XXXX location to deposit a check ( {$43000.00} ). The banking professional informed me that there would be a hold. I asked her to reverse the deposit as I did not wish to have a hold on the check. She did. I left with the original check. 
2. I visited the bank that was responsible for the check. While there, I was directed by Chase Manager XXXX to receive a certified/Cashiers Check from the bank, the funds would be viewed same as cash with no hold. The bank gave me a certified check. 
3. I went back to Chase Bank & deposited the check a 2nd time. The system said there was a hold. I called Chase Bank again to inform them and XXXX ( another manager ) informed me that the funds would be available by XXXX next day ( XX/XX/XXXX ), even though the receipt said otherwise. 
XXXX 4. This morning, the hold was still on the check. 
5. This morning, with the help of XXXX  ( VP/Branch Manager ), my situation was escalated to XXXX- XXXX  XXXX XXXX XXXX Supervisor both had no recourse. I later spoke with XXXX XXXX XXXX Supervisor and he said no one could help me. 
6. While at the branch, I explained that since I live in close proximity to the corporate offices, before contacting the Consumer Financial Protection Bureau, Id go to the corporate office. 
Upon entering the corporate office, I was told by the XXXX : In order to speak with the corporate office, I needed to be set up with a broker or some body who works in the specific department. 
7. Prior to reporting here, I spoke with XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX- Manager, Executive Office XXXX and she has started a case ; but she has no idea when the case will be reviewed or resolved. The hold is over XX/XX/XXXX, so if it takes longer than XXXX for the process, its a moot point. 

This issue is a Chase Bank hold. It can be lifted by Chase. Chase has misinformed me at every turn and therefore are restricting the funds. 

I feel like Im being robbed by the bank! Ironic, right? Is it so hard to call the originating bank to secure the funds from the certified check to release my funds? Especially when Ive been fed so many stories. Are computers really taking over the human mind and ability to solve problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open a claim with Bank of America in order to dispute a product on XX/XX/year> and submitted evidence and documents to my bank due to product quality issue and I believe the dispute was handled unfairly. I still believe that I should have been given the money I spent on the XXXX product back to my account since the product was not sent as described and had quality issues. The machine purchased on alibaba.com doesnt reach the advertised temperature which is XXXX XXXX XXXXXXXX as advertised by the seller before I purchased the item. The item only reaches XXXX XXXX XXXX after using it for maximum duration of XXXX mins which is half the temperature that the seller advertised. they then proceeded to give a strange and unethical explanation of their products default.

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 2025-09-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax for continuing to report an XXXX XXXX XXXX XXXX collection account ( {$120.00} ) that is unverifiable and inaccurate. 

Upon my own research into the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) and 1681i, a consumer reporting agency must ensure maximum possible accuracy and must delete information that can not be verified during a reinvestigation.

I formally disputed this account. Equifax responded with a vague verified as accurate outcome but provided no underlying documentation, no billing statements, and no proof from the furnisher beyond a generic contract that does not establish a valid debt or balance. This does not meet the standard of verification the FCRA requires. 

By continuing to report this unverifiable account, Equifax is : Violating 1681e ( b ) by failing to maintain maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am challenging the fraudulent accounts appearing on my credit report. I did not authorize or open these accounts, and their reporting is completely false, damaging, and misleading. These entries undermine the accuracy of my credit profile and unfairly impact my financial standing.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
I am disputing the way UPSTART NETWORK INC is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, UPSTART NETWORK INC, with account # XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: OR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Status Mismatch : TransUnion and Experian show status as 'Closed ', Equifax shows status as 'Closed ' but with different reporting ( Equifax Only indicator ). ( Account : XXXX  BANK / # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inconsistent Reporting : Equifax only reports this account, not found in TransUnion or Experian. ( Account : XXXX  BANK / # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inconsistent Reporting : Equifax only reports this account, not found in TransUnion or Experian. ( Account : XXXX  BANK / # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXs 'Closed ' with 2 matches, but discrepancies may exist in details not fully specified. ( Account : XXXX  / # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Inconsistent Reporting : Experian only reports this account, not found in TransUnion or Equifax. ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Discrepancy in Count : TransUnion reports 9 accounts, Experian reports 9 accounts, Equifax reports 8 accounts ; inconsistency in total number. ( Account : Total Accounts ) Discrepancy in Count : TransUnion reports 6 delinquent accounts, Experian reports 6, Equifax reports 6 ; labeled as large discrepancy but counts match, possible error in labeling. ( Account : Delinquent Accounts )

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
When they say you only have certain amount on your loan it be different after you sign your paperwork.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal dispute of the late payment mistakenly reported on my credit file. My payment history is accurate and timely, and this entry is false. Its reporting is unfairly detrimental to my credit standing and must be corrected.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
My credit card company unlawfully charged an annual fee after my account was closed, a direct violation of the Truth in Lending Act ( 15 U.S.C. 1666 et seq. ) and Regulation Z ( 12 C.F.R. 1026.12 ), which prohibit assessing new periodic fees on a terminated account. They further added a maintenance fee on the closed account, which has no contractual or legal basis. Only the balance existing at closure and contractually-permitted interest may be collected. These post-closure fees are improper, deceptive, and constitute unlawful billing. I demand immediate removal of these charges, correction of the balance, and written confirmation that no further unauthorized fees will be assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: WA

Complaint narrative:
In XXXX, due to personal reasons, I needed to take out a loan for {$14000.00}, which I did through Wilshire XXXX XXXX My monthly payments were {$900.00}, of which I made XXXX payments before paying off the loan in full. I paid off the loan in XX/XX/XXXX, even after making XXXX payments of {$900.00} ; my loan balance was still {$22000.00}. While I did pay off the loan, I believe that Wilshire XXXX is involved in predatory lending practices. The total paid for the {$14000.00} loan was {$41000.00}, of which {$27000.00} is just interest. The interest portion alone is almost double the loan amount, and I ended up paying nearly three times the loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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.
State: MI

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX  ] [ XX/XX/2025 ]

Company response to consumer: Closed with explanation