vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I took out a line of credit from CreditFresh with the understanding from reading the documentation that a XXXX  fee was involved. What I did not fully understand and know at the time was how horrible, destructive, and devious the terms of the contract really were. 

Straight forward it looks reasonable however I encountered major issues from day XXXX of payment, and we attempted to meet the obligation for several months until a few things happened. 

XXXX. Line of Credit : XXXX XXXX : Payment {$680.00} per month XXXX. Only {$95.00} of the XXXX went to principle and balance kept increasing on a capped XXXX. 

XXXX. Attempted to pay off balance, but a fee XXXX  fee of {$700.00} was to be added. When are fees allowed to pay off a loan? 

XXXX. Paid a smaller chunk off and was charged a XXXX  fee of around {$300.00} I believe XXXX. Had to use the balance we paid off for emergency repairs. 

XXXX. Calculated the balance @ XXXX  month took roughly XXXX years to pay off to the tune of XXXX. XXXX = XXXX. Thus XXXX * XXXX = XXXX @? calculated interest/fees increasing the balance. 

XXXX. The situation became unbearable and we had to let the account go. They are using aggressive tactics to recoup the money which is causing further stress. 

I really did not understand how bad this company was until after the fact. 

I also want to stress that my wife and I have to budget for everything. I'm a XXXX veteran living on XXXX, VA, and XXXX, with my wife as my unpaid, full time caregiver. 
We got the line of credit to rebuild/repair our credit history not to destroy it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I attempted to update my address on my Upgrade accounts and submitted legitimate documentation, my current lease agreement and renters insurance policy, both of which clearly list my name and new address. Despite providing these acceptable forms of proof, Upgrade is requiring me to take a photo of myself holding a handwritten note with excessive information. This process is unorthodox, invasive, and not in line with industry-standard verification procedures.

I also called customer service and spoke to a supervisor, who was unable to offer any alternatives or explain why valid documentation was insufficient. I asked if other options such as a notarized letter, utility bill, or live ID verification call were acceptable, and was told the only method allowed was the photo with a handwritten note.

This process raises serious privacy concerns and seems arbitrary rather than based on any formal compliance policy. I believe Upgrade is failing to provide reasonable accommodations for verifying an address change and is creating unnecessary barriers for account maintenance. 

I am requesting the CFPB review this practice and ensure Upgrade is held accountable for implementing fair and transparent verification procedures. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited a check on the app. I did not sign the check. I called customer service because when I signed and tried to redeposit the check as instructed it was rejected as a duplicate. Customer service then told me to deposit the check at an ATM. I drove XXXX hours to deposit and it was rejected again. 

I called customer service again and they directed me to my mail where there was a new file to deposit to fix the issue. I drove XXXX hours to XXXX XXXXXXXX XXXX  to deposit it. USAA then informed me that the document they sent me wasnt clear and they could not help me. I needed to get a new issued check from the sender. This is unacceptable as the new document/check they sent was what they said was illegible. 

I have lost business and time over this incident. USAA should have maximum regulatory action taken against them. They also stated that their customer service are not USAA employees and that their answers through customer service might not be correct.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent multiple letters asking for debt validation/verification on all accounts and inquiries and they failed to do so.

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 2025-07-12 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: MD

Complaint narrative:
I am writing to formally dispute items on my credit report and/or records with your company due to identity theft. I did not authorize this account or transaction, and I am not responsible for any associated charges or activity. Here are the Accounts/ Inquiries 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 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-Atlantic Finance Co., Inc.
State: LA

Complaint narrative:
I have an account through Mid Atlantic Finance Co. that has appeared on my XXXX, XXXX  and XXXX  credit reports. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my credit reports or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
After reviewing my credit report, I noticed that I have negative collections listed on my credit report. The negative collections have hurt my ability to obtain new credit. Please remove the negative accounts as they have hurt my ability to obtain new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unable to get XXXX  day late removed as account balance is current.

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 2025-07-12 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: MD

Complaint narrative:
I am writing to formally dispute items on my credit report and/or records with your company due to identity theft. I did not authorize this account or transaction, and I am not responsible for any associated charges or activity. Here are the Accounts/ Inquiries 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 2025-07-12 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: MD

Complaint narrative:
I am writing to formally dispute items on my credit report and/or records with your company due to identity theft. I did not authorize this account or transaction, and I am not responsible for any associated charges or activity. Here are the Accounts/ Inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have submitted multiple formal disputes to TransUnion, Equifax, and Experian regarding fraudulent accounts on my credit report. Despite providing FTC Identity Theft Reports, affidavits, and written disputes, these credit bureaus continue to verify the fraudulent accounts as accurate and leave them on my credit report. 

These accounts include, but are not limited to : Auto loans Collection accounts Utilities and rental debts All of which were opened without my knowledge or consent and are tied to names, addresses, and employment information that do not belong to me. 

I have followed every step required under the Fair Credit Reporting Act ( FCRA ) to notify the bureaus and request investigation and deletion of fraudulent information. Yet they have repeatedly failed to properly investigate or provide verification from original creditors. The fact that both TransUnion and Equifax have removed some bankruptcies, while Experian has not, further demonstrates inconsistency and noncompliance. 

Their refusal to remove fraudulent items after documented identity theft reports is causing ongoing harm to my credit, finances, and personal life. It is a direct violation of my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-07-12 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very disappointed. I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. Please help me remove these 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 explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$8100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On the following 3 days at 6 different times my debit card was fraudulently used in clusters totaling in XXXX transactions with a combined value of {$370.00}. 

XXXX ( XXXX and XXXX ) and XXXX ( XXXX and XXXX ) a combined total of 14 individual transactions were made on those 4 specific time stamps. 

On XX/XX/XXXX at XXXX another cluster of 4 transactions were made all also at the exact same time to the minute like the previous 4 clusters described. 

On XX/XX/XXXX at XXXX another cluster of 5 transactions were made all also at the exact same time to the minute like the previous clusters described above. TD Bank has denied my fraud claim and appeal. I have filed a police report for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
TransUnion and Equifax in collusion with XXXX XXXX have a practice of delayed reporting on credit balance updates when they lower the balances of accounts. They will almost immediately report an increase and indicate a negative impact on the score, but when it comes to lowered balances, they delay reporting to keep the scores lower. For example, I have a card balance that the statement was issued on the XXXX of the month with a {$3000.00} decrease in balance. It is now 10 days later and it still is showing the balance from XX/XX/XXXX. They do this to deliberately suppress scores to allow banks and lenders to charge more for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank Amazon Store Card abruptly closed my account. No notification was sent virtually or physically. I have had this credit card for several years and it has always been in good standing. I decided to pay the balance down to XXXX over a week ago, and 11 days after I did, it closed by account stating too many revolving credit cards. It did not have my authorization to do this and does not care that it affects my credit. Spoke with an account manager who stated that they did not have a complaint department, dispute department for this matter, or a way to escalate this matter to someone that can actually help.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
b'I am writing once again to formally dispute and demand the permanent removal of fraudulent accounts currently listed on my credit reports with your agency. These accounts are the result of identity theft and do not belong to me. Despite numerous previous disputes and submission of supporting documentation, these accounts remain and continue to cause severe and ongoing harm to my credit and financial standing.\n\nI have provided evidence that I never applied for these accounts, including identity theft affidavits, police reports, and other relevant documentation in accordance with the Fair Credit Reporting Act (FCRA). Your continued failure to correct or remove these fraudulent accounts after receiving such information is unacceptable and constitutes willful noncompliance.\n\nThis ongoing inaction may also represent a violation of 18 U.S.C.  1028A, which addresses aggravated identity theft. By continuing to report accounts that you have been informed were opened fraudulently and without my consent, you are enabling the unlawful use of my personal identifying information.\n\nI am requesting immediate removal of the following fraudulent accounts from my credit report. A detailed list has been attached with account names and numbers. Additionally, I demand that you send me written confirmation that these accounts have been permanently deleted and that all parties who have accessed my report in connection with these accounts be notified of the correction.\n\nIf you do not comply within 30 days, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and potentially pursue civil and criminal remedies.\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 XXXXSincerelyXXXX 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