vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I've been trapped in a cycle of debt by Heights Finance for nearly 7 years due to illegal financing practices : Original loan on XX/XX/XXXX at 35.99 % APR, then 4 ( four ) refinances ( XX/XX/XXXX at 38.82 %, XX/XX/XXXX at 39.82 %, XX/XX/XXXX at 39.67 %, XX/XX/XXXX at 32.25 %. These refinances bumped up fees and debt! Refinances likely rolled over old balances with hidden fees, and maybe even add-ons like insurance, pushing APRs over Indiana 's 36 % cap XXXX. 

The debt became overwhelming. 

On XX/XX/XXXX I emailed XXXX XXXX at Heights Finance, and sent Certified Mail demanding the original loan agreement, all refinance contracts, a fee breakdown, and proof there is no illegal loan churning - yet they've provided nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: WV

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. After reviewing the results of that investigation, I found that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history, resulting in an incomplete and misleading portrayal of my financial responsibility. Therefore, I am submitting this third-round dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., formally requesting a comprehensive and immediate reinvestigation of all disputed items. The specific accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both showing XXXX balances. These accounts require thorough verification, correction, or removal if the information can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am filling to formally dispute several hard credit inquiries that appear on my credit report, which I do not recall authorizing or for which permissible purpose has not been verified. These inquiries are negatively affecting my credit standing and may violate provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Wire Transfer Issue - Chase Bank to XXXX Dear Consumer Financial Protection Bureau, I am writing to report an issue with a wire transfer that I initiated from my Chase Bank account to my Chime account. The details of the transaction are as follows : Sender Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX ZIP Code : XXXX Country : USA Transaction Date : XX/XX/year> Scheduled Time : XXXX XXXX  Eastern Time Effective Date : XX/XX/year> Wire Type : Domestic Debit Account # : XXXX Total Checking : {$2300.00} Source of Funds : Checking Wire Fee : {$35.00} Payment to Collect ( USD ) : {$2300.00} The recipient account information is as follows : Recipient Name : XXXX XXXX Account Number : XXXX City : XXXX XXXX : XXXX  Country : USA The receiving bank information is as follows : Bank Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Code : XXXX City : XXXXXXXX XXXX State XXXX XXXX ZIP Code : XXXX Country : USA I initiated the transfer on the specified date and time, and I have not yet received the funds in my XXXX  account. I have contacted both Chase Bank and XXXX, but the issue remains unresolved. I am concerned about the delay and the potential loss of funds. 
I request the CFPB to investigate this matter and assist in resolving the issue. I have attached the wire transfer outgoing request document for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
Camelback Finance Inc. placed an unauthorized auto loan inquiry on my credit report without my consent, knowledge, or signature. I never applied for or authorized any car loan through this company. They accessed my credit file without a permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681i.

Despite previous disputes and a prior CFPB complaint where Camelback Finance acknowledged that the inquiry should be deleted, it has remained on my credit report for an extended period. The company has failed to provide any signed contract, original application, or written proof showing that I authorized this credit inquiry or any financial relationship with them.

This unauthorized activity has harmed my creditworthiness and led to multiple denials for credit opportunities and financing. It has also caused emotional and financial stress due to my lowered credit score and the negative perception created by this false reporting. 

Because this inquiry was reported without my consent, without a signed agreement, and without any legitimate business relationship, I believe Camelback Finance should be held accountable for their violations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is spelled wrong, I have accounts on my credit that are not accurate or mines.

I have accounts that I paid and now have been sold to other debt collectors Wrong address linked to my account

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 2025-10-23 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: TX

Complaint narrative:
My name is spelled wrong, I have accounts on my credit that are not accurate or mines.

I have accounts that I paid and now have been sold to other debt collectors Wrong address linked to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally request a review and removal of negative information associated with my closed credit card account. This account has been closed for some time, yet it continues to reflect late payments and negative reporting that no longer represent my current financial situation or responsibility. 

During the period when those late payments occurred, I was facing financial hardship due to personal and medical circumstances that temporarily affected my ability to meet payment deadlines. Since then, my situation has stabilized, and I have worked diligently to improve my financial health and maintain a positive credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
I recently made a payment of {$590.00} on XX/XX/XXXX prestige financial for them to put my repossession on hold. They confirmed over text the following daythat they will not repossess the car and put it on hold a few days later they repossessed the vehicle the following day I called them and they didnt apologize or admit that this was an error on their part. I lost two days of work and had to pay an XXXX of {$67.00} to pick up my vehicle. They released my car with no charge however they told me that I had a specific date that I could make a payment and I told him that I would make it this weekend. They came the following week and repossessed again and didnt honor the agreement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: WV

Complaint narrative:
This follow-up concerns a dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) about a late payment reported during an approved forbearance period. I provided the lenders forbearance approval letter showing that payments were deferred during the time the late payment is alleged to have occurred. Despite this, the credit bureau has not removed the inaccurate late mark or issued a reinvestigation summary. This violates the protections afforded to me under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I ordered a package from XXXX and I wasnt home when the package came and when I finally got home, the package was missing and I followed XXXX procedure of filing a police report. I filed an accurate police report and XXXX kept giving me the runaround about getting my money back or the item so then I dispute it with my bank Truist and then when I finally realized that I entered the wrong description of what happened they denied me of correcting the dispute instead of putting it as not authorized. I was supposed to put it as missing item or item not gotten something of that nature and they denied me of that right I have a police report approved that I did not receive the item and they didnt even honor that and when I asked them to give me documentation of why they denied my dispute, they couldnt provide me with that information and now Im here only them {$500.00} that I dont have and I still dont have the item that I ordered from XXXX at all XXXX have attached emails between me and XXXX and also I have attached emails between Truist. I also have attached the police report. Because something needs to be done. Theyve been playing me like a ping-pong ball going back-and-forth between XXXX and Truist Truist says go XXXX the XXXX XXXX go to the bank. The bank says go to XXXX and Im still just left standing with no money, no item no nothing and I owe Truist for nothing when the dispute shouldve been honored

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 2025-10-23 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: GA

Complaint narrative:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can not be provided, these items must be permanently deleted from my credit file.

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of federal 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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
They call every day and have no proof of me owing debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
Complaint Narrative : I am filing this complaint against Wise for failing to properly investigate and honor multiple disputes I submitted for unauthorized and fraudulent transactions on my account. Wise only approved XXXX of my disputes but wrongfully denied the others, despite all of them being related to the same fraudulent activity. 

As a military service member, I take extra precautions to protect my finances. However, last year my phone and cards were stolen at the airport, and my personal information was compromised due to my old XXXX account remaining connected. XXXX later provided a new XXXX, and XXXX XXXX XXXX issued me a new number and device. Even after taking those steps and providing evidence that the transactions were not authorized by me, Wise only refunded XXXX transaction while denying the others without clear justification. 

I submitted all relevant documents, statements, and proof of identity theft, but Wise has not provided a consistent or transparent explanation as to why some disputes were denied and others approved. This inconsistent handling shows a lack of fair and thorough investigation as required under Regulation E ( Electronic Fund Transfer Act ). 

The disputed transactions occurred between [ insert approximate dates or months if available ]. Each one shows clear signs of fraud, including unfamiliar merchants and locations inconsistent with my normal activity. Wises internal review process seems arbitrary and unfair, and I was not given the opportunity to appeal or receive a proper written explanation for each denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am writing to formally request the review and closure of my current student loan account, as well as the removal of any negative information associated with it. 

The reason I was unable to continue making regular payments was due to a personal situation I experienced a XXXX that required my full attention and prevented me from continuing my studies at that time. This unforeseen circumstance temporarily affected my ability to meet my financial obligations, including my student loan payments. 

Since then, I have worked diligently to rebuild my financial stability and maintain consistent responsibility with all my current accounts. My life and financial situation have significantly improved, and I am now in a much better position to move forward. 

Given these circumstances, I respectfully request the following :

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 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: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-23 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
No action where taking from the company because Im still seeing different amounts

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstCredit, Inc.
State: TX

Complaint narrative:
I am writing to report identity theft and to request that you remove fraudulent information from my credit file.

I recently discovered that a credit card account was opened in my name that I did not authorize. Based on the available information, it appears the fraudulent activity occurred approximately three years ago, but I was unaware of it until recently when I reviewed my credit report.

I did not open or authorize this account, nor did I receive or use any credit associated with it. I have contacted the creditor to report the fraud and am providing supporting documentation to help with your investigation. 
XXXX XXXX XXXX XXXX Last reported XX/XX/year> {$870.00} Open balance XXXX XXXX XXXX XXXX Original creditor i have tried to tell them to Correspond to me and show me everything that is proof i opened the acc i get nothing from them just calls saying they need the money ect i have been trying to get this off my recorded for 2 years i was in the hospital for 2 weeks due to a bad car accident that almost took my life when this happened and never got this resolved i need help major help nobody has tried to help me or even try to prove me that it was me

Company response to consumer: Closed with explanation