vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group
State: MD

Complaint narrative:
The company was contacted multiple times to inform them that I was activated for military service in XX/XX/year> and am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ). My initial request was incorrectly disapproved due to an internal error and subsequently resubmitted for review. Each time I contact the company, I am given varying responses indicating the request is pending, processing, or with another department. It has now been four months, and my account still does not reflect the required SCRA adjustments. 

Dates contacted : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
well my credit is XXXX after XXXX XXXX left me everything and sumone 0 out my credit and show preapproved credit cards then turn me down XXXX XXXX my XXXX XXXX account was stollen XXXX reported fbi my credit must show 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
well my credit is XXXX after XXXX XXXX left me everything and sumone 0 out my credit and show preapproved credit cards then turn me down XXXX XXXX my XXXX XXXXXXXX account was stollen XXXX reported fbi my credit must show XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/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 explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in reviewing a negative account reported on my credit file by Autonation Finance ( Auto Loan, opened XX/XX/year>, charged off during the COVID-19 period ).

This account became delinquent and was later charged off during the COVID-19 pandemic, a time when I experienced serious health-related hardships and significant financial disruption beyond my control. Due to these medical and economic difficulties, I was temporarily unable to continue making payments.

I would like to respectfully note the following : The hardship occurred specifically during the COVID-19 emergency period, which affected millions of consumers nationwide.

My inability to pay was directly related to health issues and pandemic-related financial hardship, not negligence or willful non-payment. 

This account has now been reported on my credit file for approximately six and a half ( 6.5 ) years, which is a substantial amount of time.

I have been making sincere efforts to rebuild my financial stability and creditworthiness since that period.

Given the extraordinary circumstances surrounding the pandemic, and considering the significant time that has passed, I respectfully request that this account be reviewed for possible removal or adjustment under applicable consumer protection and COVID-19 relief considerations.

I am requesting CFPBs assistance to ensure this account is reported fairly, accurately, and in a manner consistent with consumer protection principles, especially those applicable to pandemic-related hardships. 

Thank you for your time and consideration. I appreciate your help in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, multiple unauthorized debit card transactions occurred on my Bank of America checking account using a physical debit card that was not in my possession. I did not authorize the transactions, share my card or PIN, or receive any benefit. 

I reported the fraud on XX/XX/XXXX. 

Bank of America issued a temporary credit on XX/XX/XXXX, then later denied the claim solely because I accidentally replied Yes to an automated fraud alert while distracted at work. 

1. On or around XX/XX/XXXX, Bank of America closed my account and restricted access to my funds totaling over {$11000.00}. 

2. The bank refused to provide clear information, a timeline, or allow withdrawal of funds, cash access at a branch, or immediate issuance of a check.

3. Despite submitting a written statement confirming the transactions were unauthorized, Bank of America stated that a check may not be issued until XX/XX/XXXX. 

4. I have filed prior CFPB complaints regarding this matter due to the lack of transparency, prolonged withholding of my funds, and denial of access despite no fraud finding against me.

5. As a result of this unfair process, I am experiencing severe financial hardship, particularly during the holiday season, because I can not access my own funds.

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 monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding EdFinancial Services, my federal student loan servicer. 

I graduated from XXXX XXXX XXXX  ( XXXX ) in XX/XX/year> and recently discovered a 90-day delinquency on my credit report due to missed communications from EdFinancial. My credit score dropped from XXXX to XXXX, which is now affecting my ability to qualify for a mortgage and other financial opportunities. 

I did not receive any repayment notices or emails because EdFinancial had my old personal email on file, which I no longer use. I did not have an account set up and was completely unaware that payment requirements began. I only found out about the delinquency when I checked my credit score. 

They continued sending all official communications to an email address that I no longer use. 

They failed to provide alternative forms of notification to ensure I was aware of my repayment obligations. 

They did not alert me that my account had not been set up, nor guide me to resolve the issue before reporting the delinquency. 

Because of these failures, I was completely unaware that repayment had started. I have an excellent credit history and have never missed a payment prior to this incident. The delinquency is entirely the result of EdFinancials failure to communicate effectively, not due to any negligence on my part. 

I have now set up my account and am prepared to make payments immediately. I am requesting that EdFinancial review this situation and provide a resolution, including correction and removal of the delinquency from my credit report. 

I am submitting this complaint because the failure to communicate caused significant financial harm and I would like guidance on the steps EdFinancial will take to rectify this. 

Thank you for reviewing my case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information currently appearing on my TransUnion credit report. These issues persist despite prior disputes and require immediate regulatory review. 

Charged-Off Accounts in Dispute XXXX XXXX Account XXXX. XXXX ( Opened XX/XX/XXXX, Balance {$230.00} ) XXXX XXXX Account XXXX. XXXX ( Opened XX/XX/XXXX, XXXX {$650.00} ) XXXX  XXXX Account XXXX. XXXX ( Opened XX/XX/XXXX, Balance {$89.00} ) XXXX XXXX Account No. XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) These accounts show inconsistent reporting when compared to other bureaus, including mismatched dates and balances. This indicates a failure to ensure maximum possible accuracy as required by the FCRA. 

Late Payments in Dispute XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX, XXXX, XXXX, XXXX Late payments are being reported inaccurately and without sufficient verification. Some accounts reflect XXXX balances while still showing derogatory payment history, which is misleading and harmful.

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 2025-12-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-22 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: IL

Complaint narrative:
Experian is reporting inquiries that were placed without my authorization and without proper verification. Reporting such inquiries without documented permissible purpose violates the FCRA. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> If Experian can not produce evidence of my written authorization or a valid permissible purpose, these inquiries must be deleted.

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 2025-12-22 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: MN

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 2025-12-22 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
XXXX XXXX is violating the Electronic Fund Transfer Act by not providing accessible provisional credit. They deposited funds into a locked account ( XXXX XXXX XXXX XXXX XXXX XXXX  ), making the credit inaccessible. This defeats the purpose of provisional credit under Regulation E. They have failed to recredit my account in a meaningful way. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AR

Complaint narrative:
I am submitting this complaint because TransUnion continues to report inaccurate and incomplete credit information that has not been properly verified after dispute. These reporting errors are causing significant harm to my credit profile. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts with inconsistent reporting across bureaus, incorrect balances, and unverified collection authority : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized / Unverified Inquiries I am disputing these inquiries due to lack of authorization and failure to show permissible purpose : XXXX XXXX XXXX ( multiple dates XXXX XXXX XXXX XXXX  Late Payment Reporting The following late payments are inaccurate, incomplete, or unsupported by valid payment records : 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 non-monetary relief
Consumer complaint received 2025-12-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
My account was closed shortly after being approved for a credit card. They blocked my online banking but still allowed me to incur fees on my credit card without having access to their system to pay my balance. I did not have fair means to cancel or pay my service due to how my checking account was close out by SoFi. Im not incurring damages to my credit report monthly due to the fact. I was given an number to a fake rep that has been away from their desk the entire year, anytime of the day or any day it goes to voicemail after ringing.

Company response to consumer: Closed with explanation