vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Time Investment Company, Inc.
State: AR

Complaint narrative:
In XX/XX/year>, I financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX, with financing provided by Time Investment Company. The total financed amount was approximately {$2400.00}, with 17.99 % interest and monthly payments of {$33.00} scheduled to begin XX/XX/year>. The loan term is approximately 132 months, meaning I would pay nearly double the cost of the product over time. 

Shortly after installation, my family, our pet, and I began experiencing XXXX XXXX after consuming the filtered water. I contacted XXXX XXXX XXXX and requested that someone come inspect the system. They said they could not come out within a reasonable time and offered an appointment over a week away. After I rescheduled due to availability, they again offered another delayed date. To this day, no one has come to inspect or address the unit. 

Because of the health concerns, we stopped using the system entirely and returned to buying bottled water. The system has sat unused in our home. I contacted Time Investment Company by phone and in writing to dispute the loan and explain that the system was harmful, unsupported, and no longer trusted. They acknowledged my message and said they would contact XXXX XXXX, but nothing has been resolved and XXXX has refused to take the system back. 

I now no longer trust the product or the company. The interest rate is high, the product has gone unused, and I am being held financially responsible for something that has caused harm and never functioned safely in my household. 

Despite my good-faith efforts to resolve this, I am left with a high-interest loan for a product I can not use and that the company refuses to take back. If needed, I am willing to provide documentation from a licensed healthcare provider confirming the physical symptoms experienced after use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX I received two emails my checking, savings and credit account were closed. The emails did not state why they were closed and stated I could call their member support number for assistance. I attempted to login to the account and the notification was that my account was closed and to contact customer service. So I called, the gentleman said it was closed for non compliance with something but he cant provide anymore information even if he wanted to cause he doesnt have any more access. I requested an explanation because maybe theres a misunderstanding. He said he cant provide anymore information because its not available. I repeated my request reworded and he replied with for quality reasons he has to end this call and hung up on me. 
I called again and informed them I would be reporting this to the XXXX and CFPB, they said they would look into my account. They stated there was a discrepancy with a deposit but could not disclose any other information. I requested when I could expect the money and again was told they didnt have access to that information. I requested a supervisor and was told I would get the same information. Again I said I would be reporting it because I have been a member for almost 3 years with no issues, theyre trusted with thousands of peoples accounts and their money and this disrespectful and unacceptable, they said thats okay. So I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing you about the the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX  The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am filing this complaint against Bridgecrest XXXX XXXX XXXX regarding an XXXX XXXX account ( Account No. XXXX ) that is being falsely reported as charged-off on my credit reports. 

In XX/XX/XXXX, I financed a XXXX XXXX XXXX ( VIN : XXXX ) through XXXX, with Bridgecrest as the lienholder. However, despite numerous efforts, I never received the vehicle title, which made it legally impossible to register or operate the vehicle in my state ( Michigan ). I submitted multiple inquiries through both the Michigan Secretary of State and the lienholder support teams, and the title was never delivered or transferred to me.

This is a clear violation of Michigan Vehicle Code 257.217, which mandates that lienholders deliver the certificate of title within 15 days of the sale. Because Bridgecrest and XXXX failed in this legal obligation, I was prevented from taking full legal ownership or use of the vehicle, which invalidated the fundamental purpose of the loan.

Despite this, Bridgecrest reported the loan as a charge-off, seriously damaging my credit. This action : Violates FCRA 1681s-2 ( b ), as the debt is materially incomplete and misleading.

Constitutes unfair and deceptive conduct under Section 5 of the FTC Act.

Violates UCC 2-615, due to the lenders failure to fulfill a contractual obligation necessary for my performance.

I am requesting the CFPB assist in the immediate : Removal of this account from all credit reporting agencies, due to material misrepresentation and non-compliance with applicable state and federal laws. 

Written confirmation from Bridgecrest / XXXX that the matter is resolved. 

I am attaching supporting documentation, including the official XXXX record showing the title was never released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-06-05 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: GA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section XXXXB of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-06-05 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: CA

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-05 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
1.You have reported private financial information about me to third parties including but not limited to Consumer Reporting Agencies, that is injuring me.

2. I am not in receipt of any document which verifies your furnishing company obtained my consent to share my information with third parties including but not limited to any Consumer Reporting Agencies.

3. Your " Customer Agreement '' has an impaired disclosure, as it fails to disclose the consumers right to direct that such information not be disclosed ( opt-In consent ) ; and fails to provide the consumer with instructions on how the consumer could exercise that non-disclosure option as defined by the GLBA 15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I sold my house last Friday went to the closing and received a {$25000.00} check a cashiers check might I add. I go to the regions bank go inside and try to deposit that check along with another smaller check. The guy didnt say one word he did everything he did everything that he needed to do and then before I got up to leave, he said OK its all done now. Were gon na release a little bit of this money but most of us gon na be on hold until 611 seven days later and I immediately had a problem. This is a cashiers check. You can only get a cashiers check with cash so its a good check. Its not theres nothing wrong with it. Why is my money not gon na be available now because I need the money Im going through a divorce and I need the money to secure new housing he gave me the check back because I was going to try and go to the XXXXXXXX XXXX and cash it there cause I needed the money. Well I wasnt able to get XXXXXXXX XXXX  before they closed so I brought it back to the bank and then put it in the ATM deposit deposit area now theyre saying it is fraudulent check and theyre holding it without any release date

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 2025-06-05 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-05 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:
XXXX XXXX XXXX is furnishing a negative collection account under my name to all three major credit bureaus. However, I have never received proper validation of this debt as required by 15 U.S. Code 1692g ( FDCPA ). Additionally, XXXX has failed to provide any original signed contract or legally binding agreement bearing my signature, which violates my rights under FCRA Section 609 ( a ) ( 1 ) and FCRA Section 623 ( a ) ( 1 ) ( A ).

The Fair Credit Reporting Act mandates that only accurate, complete, and verifiable information may be reported. XXXX has failed to validate the accuracy of this account and continues to report it, which is a willful violation of federal law.

I am also protected under 15 U.S. Code 1681s-2, which prohibits any person or company from furnishing inaccurate information to a consumer reporting agency once a formal dispute has been submitted. I believe XXXX is knowingly in violation of this 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 2025-06-05 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: LEXISNEXIS
State: RI

Complaint narrative:
I have sent multiple requests for a reinvestigation into the following discrepancies on my consumer report. LexisNexis has FAILED TO PROVIDE PROOF to verify these records. The return response from LexisNexis Risk Solutions is continually located and verified, claiming the said records have been verified with the court, Experian, TransUnion, and Equifax. That information is NOT correct. All three credit bureaus do not contain the information LexisNexis Risk Solutions is claiming. The district courts have provided a letter ( see attached ) stating they DO NOT PROVIDE OR VERIFY ANY RECORDS with any of the credit bureaus including LexisNexis Risk Solutions , Inc. I am demanding LexisNexis and or LexisNexis Risk Solutions to PROVIDE PROOF FOR THE METHOD OF VERIFICATION, if you can not provide proof, remove the inaccurate accounts/items from my consumer report. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. This is the federal law and LexisNexis is in direct violation of my rights per the FCRA for not following the law and providing proof of the said " located and verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AR

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorneys fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-06-05 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: IL

Complaint narrative:
I have incorrect addresses reporting on my credit report due to identity theft.

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