vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I leased furniture through Acima beginning on XX/XX/XXXX, with a XXXX early purchase option clearly listed as ending on XX/XX/XXXX. I made my final payment on XX/XX/XXXX within the early payoff window but was still charged {$710.00} on top of multiple prior payments totaling over {$1600.00}. In total, I paid more than {$2300.00} for furniture that was supposed to cost {$1600.00} under the early buyout terms. 

This company also charged {$6.00} per payment for a Benefits Plus program that I never opted into or signed for, and {$15.00} for a Liability Damage Waiver I also never agreed to. No signatures or clear disclosures were provided for these charges. 

Additionally, I was taxed nearly {$500.00} across the lease without any clear explanation of what was being taxed. My final payment alone included over {$65.00} in tax with no breakdown. When I attempted to contact Acima to dispute these charges, I found no working email address and the contact phone number on their website is only for purchase support. The email they used to send payment confirmations ( XXXX ) does not receive replies. I had to call and demand a valid email and mailing address. The first email address I was given ( XXXX ) sent an automatic reply stating Please be advised that this email address is not monitored for incoming messages, and as such, we are unable to respond directly to emails received here. Once I let the agent know she then provided a different email address ( XXXX ) but only after I let her know the reply message that I received from the first XXXX. 

As a federal employee, I feel these are deceptive practices targeting financially vulnerable consumers who rely on lease-to-own options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have contacted all 3 credit bureaus to cancel disputes and remove comments since XX/XX/XXXX and I keep getting told they are but they still appear online and the paper reports I get mailed still have them on it. I need this removed ASAP as I am trying to get a mortgage loan. I have called all 3 bureaus countless times to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XX/XX/year> I received an email after closing of business advising that my account had restrictions placed on them for funds that had been deposited into my account. The next morning I called XXXX XXXX who told me to fill out the appeal form and wait 10 business days. I filled out forms, sent them back and called back. At the time of call back I was then advised 15 business days but it could take longer. I advised agents that this was a long time and I didnt have time to wait with me being in school having bills and having an ill toddler. At this point in time there is no resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
At the end of 2022, XXXX credit card transferred to Comenity Bank. My account with XXXX was on auto-pay. When they transferred the account, they did not continue to honor this arrangement. I was not notified that my card with XXXX was closing and Comenity Bank would be taking on the account. I received a statement in XXXX that shows my account was late. The ONLY notification that I received showing that there was an issue with my account. Once notified, I contacted the company and paid the card. It is paid in full and closed. I was notified the correction to my credit report would be adjusted due to their error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My email and phone number was hacked on XX/XX/year>. I called Experian to try and change my email and phone number, but no one would help me. Every time they wanted to send a verification code to my old number, but I do not have access to that any longer. I was on the phone for hours being transferred with each person at Experian telling me they can not help me. My credit is frozen with Experian and I need to apply for a loan soon. I can not unfreeze it because I do not have my number any more.

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 2025-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: WI

Complaint narrative:
The XXXX is avoiding addressing my issue and failing to explain why the total balance including the TOTAL principal plus the TOTAL interest amount increased from XXXX on XXXX to an amount greater than XXXX. Specifically, I am disputing the total principal plus interest value of my loan. On XXXX the total interest plus principal amount equaled {$170000.00}. The Company came up with a phantom interest amount of nearly {$10000.00} with providing no justification for this amount. It appears that I am wrongly being assigned nearly {$10000.00} due to either negligent loan servicing or fraudulent activities by the Company or its staff. My complaint was not addressed. 

I am requesting proof showing total loan balance plus interest exceeded {$170000.00} on XXXX. The Company appears to either negligently or fraudulently claim my total principal plus interest amount exceeded this value and did not justify increases since XXXX. Again, see attached screenshot showing total principal plus interest of my loan when serviced by XXXX is an amount equal to {$170000.00} in total. The Company has previously appears to have fraudulently or negligently stated that there was an interest value assigned to my loan exceeding this total value of interest plus principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, XXXX, and XXXX. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mandarich Law Group, LLP
State: ID

Complaint narrative:
Someone left a summons on the hood of my daughters car claiming " breach of contract '' stating that " on or about XX/XX/year>, XXXXXXXX XXXX XXXX  agreed to make a loan to me, claiming that I gave assent to the terms and conditions with charges and payments being administered to an account ending in XXXX in the amount of XXXX. I have no knowledge of a XXXX XXXX XXXX nor am I aware of an account ending in XXXX. I will be taking steps to see if this is a case of identify theft, but for now I am very concerned that this is the first I am hearing of a " XXXX XXXXXXXX XXXX '' or any of this- and the manner of which I am being made aware. 

On the summons it shows Mandarich Law Group , LLP XXXX XXXX XXXX XXXXXXXX XXXX, The plaintiff shows XXXX XXXX, XXXX ( I have no knowledge of who this is either ) and in the summons it mentions XXXX XXXX XXXX, who ( again ) I have never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-05 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: TX

Complaint narrative:
I recently did an investigation on my credit report which caused XXXX XXXXXXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$55.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I recently did an investigation on my credit report which caused XXXX XXXXXXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation not reporting 100 % accurate. Also your responsibilities as a data furnisher let me remind you are in violation of 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$55.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$400.00}

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 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt was the result of identity theft and was discharged in XXXX. The debt collection agency rep that I spoke with said that she could actually see that this debt was already removed in XXXX. They then offered be a monthly program around {$220.00} to start and monthly $ XXXX that I would pay them to dispute it with the original company until it is removed. She stated theres a 95 % chance it would get removed if I paid for this program since it is clear its fraudulent. I did not take her offer to pay for the fraudulent debt to be removed, as it was placed back on by them. 

The debt via Jefferson Capital Systems LLC in the amount of {$5400.00} was removed I believe in XXXX of XXXX, and reappeared XX/XX/XXXX but I didn't see it until I checked by credit in XXXX. Which is when I called the debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-04-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CO

Complaint narrative:
1 : The company with address identification number ; XXXX and address ; DISCOVER BANK XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX, continuously charges a closed account ( XXXX ) an illegal interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting BRCLYGAP Account Dear Experian Dispute Department, I am writing to formally dispute inaccurate information appearing on my XXXX credit report in connection with the account listed as BRCLYGAP, last reported on XX/XX/year>, with a balance of {$490.00}. According to your records, this account has a credit limit of {$250.00}, which means it is reporting at 198 % utilization and includes a history of missed payments, misrepresenting the true status and damaging my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is legally required to ensure maximum possible accuracy of the information it maintains. Furthermore, in Consumer Financial Protection Bureau v. Experian Information Solutions , Inc. ( Case No. 2:17-cv-00129, D. Kan., 2017 ) , XXXX was found to have violated these obligations, establishing a clear precedent regarding your duty to uphold data integrity and respond to consumer disputes thoroughly and promptly. 

I am formally requesting that you conduct a full reinvestigation of this account. If you are unable to verify the accuracy of the reported information through documentation from the original creditor, the item must be removed from my credit file in compliance with the FCRA. 

Failure to resolve this issue in a timely and satisfactory manner will result in me filing a complaint with the Consumer Financial Protection Bureau and pursuing all available legal remedies under federal law. 

Please provide written confirmation of the investigation outcome and an updated copy of my XXXX credit report reflecting the corrections. 

Sincerely, 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 2025-04-05 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: MA

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information reported on my credit file regarding the XXXX XXXX account referenced above. Upon reviewing my credit report, I noticed the following discrepancies : XXXX. Account Status Discrepancy : TransUnion and Experian list the account status as Paid, while Equifax lists it as Derogatory. 
This inconsistency should be investigated and corrected to reflect a uniform and accurate status across all bureaus. 
XXXX Credit Limit and High Credit Inconsistencies : Equifax does not report a credit limit, while TransUnion and Experian both list it as {$700.00}. 
Experian does not list a high credit amount, while TransUnion and Equifax report it as {$1000.00}. 
XXXX. Payment Status Conflicts : XXXXransUnion and Equifax state Collection/Charge-off, whereas Experian marks it as Unknown.

Comments also differ across all three bureaus regarding how the account was settled. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the above information be verified with XXXX XXXX and corrected to ensure consistency and accuracy across all reporting agencies. Additionally, I am formally requesting a copy of the original credit card agreement associated with this account, as I have a right to review the terms and conditions I agreed to. 

Please investigate these matters and provide written confirmation of the outcome. If the information can not be verified, it must be removed from my credit file. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed unauthorized inquiries on my credit report by the following credit union and banks. On XXXX XXXX, I noticed unauthorized credit from the following : XXXX XXXX XXXX XXXX XXXX XXXX ( finance ), XXXX, XXXX XXXX and XXXX XXXX 
Also on the XXXX XXXX I noticed another unauthorized report from : XXXX XXXX XXXX XXXX on the XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: MI

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

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are- XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, -XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Amount : XXXX, -XXXX XXXXXXXX  opened XX/XX/XXXX Amount : XXXX, -XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and haven't received any type of feedback back

Company response to consumer: Closed with non-monetary relief