vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a vehicle on or around XX/XX/XXXX. I was XXXX at the time, a first-time buyer with limited understanding of auto financing. The dealer originally offered a XXXX XXXX XXXX but persuaded me to accept a XXXX XXXX XXXX XXXX, which significantly increased the cost and my monthly payments. 

I was required to purchase a warranty for {$1300.00}, which was not explained as optional. I believed it was mandatory. Shortly after taking possession, the cars battery failed. When I contacted the dealer, I was told to just buy a new battery rather than honoring any warranty. I personally incurred additional repair costs exceeding {$1100.00}, including two batteries at {$200.00} each and brakes with wheel alignment totaling about {$700.00}. 

The loan had a 20.99 % APR and total cost nearly double the cars value. I paid approximately {$7100.00} so far, plus a {$3000.00} down payment. I repeatedly entered payment arrangements and paid what I could, but eventually I could no longer afford the loan. The monthly payments was {$690.00} a month plus my insurance. 

The vehicle was repossessed twice. The first repossession occurred at the end of XXXX, and I paid {$1000.00} to reinstate the car. The second repossession occurred this past XXXX, XXXX, and I refuse to reinstate the vehicle due to repeated predatory practices and financial abuse. 

I have suffered significant emotional, financial, and psychological harm due to these actions. I am requesting : cancellation of any deficiency balance, investigation into predatory lending and sales practices, full tradeline deletion from my credit, reimbursement of funds paid toward an unconscionable contract, and possible refund or compensation for the useless warranty. I do not wish to reinstate the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: PA

Complaint narrative:
I applied for a position with a company named XXXX. XXXX completed a background check through Checkr. Checkr reported I had a dwi on my driving record. I reached out and provided my driving abstract and court documents to show that was incorrect, Checkr responded it was correct and XXXX terminated my account for this false information. Even though I submitted proof to both the company and background check company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I settled an account with XXXX XXXX XXXX  in XX/XX/year>. Despite settlement, Experian continues to report the account as a charge-off, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). The account should reflect Settled {$0.00} balance and not show any ongoing charge-off updates. I have disputed this information multiple times without correction. This constitutes a failure to maintain accurate reporting ( 607 ( b ) ) and improper verification procedures ( 611 ( a ) ).

I request that the Consumer Financial Protection Bureau investigate this matter and require both Experian  and XXXX XXXX XXXX  to delete this inaccurate information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AZ

Complaint narrative:
See that disputed accounts are deleted promptly under 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 non-monetary relief
Consumer complaint received 2025-10-26 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: MO

Complaint narrative:
This request is being made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I do not recognize this account, its number, the reported balance, payment history, or any late payments associated with it. I therefore dispute the accuracy and completeness of all information being reported. Everything reported here does not meet the FCRA. Remove this account XXXX XXXX XXXX XXXX XXXX immediately. XXXX XXXX XXXX Account 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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I have a biller reporting that they did not receive a check issued through USAAs Bill Pay service. This issue involves a quarterly payment that is automatically sent to a city water department. At this point, I am unsure whether the check was lost by the city or not sent by USAA. 

I contacted USAA to request a record of all checks issued to the city between XX/XX/XXXX and XX/XX/XXXX. The customer service supervisor informed me that they can only provide check numbers for checks that have been cashed. I explained that, as a banking institution, USAA is required to retain these records for at least five years. She stated that a third-party company, XXXX, XXXX responsible for sending the checks and that there was nothing more she could do. 

When I asked if there was another department I could contactor an address to which I could send a written request for these recordsshe told me that she was the only point of contact. She also said that if I wanted the information, I could issue a subpoena to USAAs legal department. 

This matter remains unresolved, and I still need the complete record of the requested checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
I had an up coming payment due on my vehicle loan and I made the payment as usual and one of the branches into about a month I get I havent made a payment which was false. I sent a dispute letter to Experian. Of course they decided with XXXX and that was in XX/XX/year> I recently sent another one. Stating Under 15 U.S.C. 1666b, a creditor must apply payments as of the date received and may not report payments as late without documented proof. XXXX has not produced any verifiable records confirming this delinquency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
account closed!! yearly fee not removed .. instead they charged late fee and interest.

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 2025-10-26 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: NC

Complaint narrative:
Disputed accounts must be removed in a timely fashion, as per legal requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am reporting multiple inaccurate, unvalidated, and harmful accounts that are being reported to the credit bureaus without proper validation. These accounts are negatively affecting my creditworthiness and score. I requested full validation and verification from each company under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), but none have provided the required documentation. Despite this, they continue to report inaccurate and unverified information to XXXX XXXX XXXX XXXX  in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 

The accounts in question are as follows : XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX Balance {$210.00} XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Balance {$520.00} XXXX. XXXX XXXX XXXX  Original Creditor : XXXX XXXX Acct XXXX XXXX Balance {$910.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Acct XXXX XXXX Balance {$220.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. Acct XXXX XXXX XXXX {$590.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Acct XXXX XXXX Balance {$2300.00} XXXX. XXXX XXXX XXXX XXXX XXXX Acct XXXX  XXXX Charged-Off Balance {$31000.00} XXXX. XXXX XXXX XXXX XXXX Account Acct XXXX XXXXXXXX Reported with dispute notation and inconsistent closure dates XXXX. XXXX XXXX XXXX Secured Loan Acct # XXXX Previously charged-off, now paid, but still reporting derogatory status These accounts remain listed as collection, charge-off, or seriously past due, despite lacking validation or verification. I am requesting that the CFPB investigate these companies, require them to produce proper validation or remove these accounts, and ensure all inaccurate data is deleted or corrected immediately from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Im not sure how long this has been going on. My credit limit is only {$200.00} so I didnt suspect it to be an issue. But Ive been getting {$29.00} late fees and thats like XXXX XXXX of my balance. Its hard to find fees and online statement. They do not disclose unless you go to XXXX different screens. I have included the screens that they could show it but dont. The last of three shows itfinally I added the last XXXX of my account number as that should hopefully be enough 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 monetary relief
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
XXXX XXXX XXXX is currently reporting my closed account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with multiple 30-day late payments during late XXXX. However, the alleged delinquency dates are inconsistent across the credit bureaus. For example, one bureau reports a 30-day delinquency in XX/XX/year>, while others report it in XXXX or XX/XX/year>. This inconsistency raises serious concerns about the accuracy and verifiability of the information being furnished. 

I never received any certified documentation or proof showing that my payment was actually 30 days past the due date for any of these months. After the account was paid and closed, no further delinquency should have been reported without verifiable documentation. 

I contacted the company and requested verifiable evidence of the alleged lateness, including the original billing statement date, the due date, and the exact date the payment was received and applied. To this day, XXXX  XXXX XXXX has not provided certified documentation to support the late payment claims. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires data furnishers to ensure the maximum possible accuracy of the information they report. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), the company must report only complete and accurate information. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666i and 1666b ), payment application and billing accuracy must be documented precisely.

Since XXXX XXXX XXXX  has not provided verifiable documentation to certify the alleged delinquency, and the reporting is inconsistent across multiple bureaus, the reporting is inaccurate and harmful to my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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:
I am filing this complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) for the failure of the credit reporting agencies and creditors to maintain accurate and verifiable information on my consumer report. 

The following addresses are fraudulent and do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the following accounts are not mine and are being falsely reported to the credit bureaus : XXXX XXXX XXXXXXXX {$14000.00}, reporting XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$450.00}, reporting XX/XX/scrub>XXXX XXXX XXXX  {$1000.00}, reporting XX/XX/year> These accounts and addresses are causing severe and unlawful harm to my credit reputation. Under FCRA 602 ( A ) and FCRA 607 ( b ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App has my account locked due to to many XXXX verification attempts bc was trying to sell this bit coin that someone convinced me into buying while trying to scam me and I back out. I tried to sell the bitcoin to get it back into real money and send it back to my external banking account. I called Cash App and was hung up on multiple times until someone finally told me it wouldve XXXX to XXXX hours before the account would be unlocked and I still have it locked down and they still are not providing me with any help. They have rude customer service that dont know anything and just repeat themselves over and over again and its nothing helpful they just say they will escalate the problem when will they respond? we will escalate the problem. Like what?? These people are terrible and I will be permanently shutting down this account when I get my money thats rightfully mine back. This is ridiculous this has been going on for a week almost now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
Requested an investigation to be opened by XXXX for deletion of debt from Receivables Management Systems due to debt has been paid in full. Dispute was requested on XX/XX/year> and closed on XX/XX/year>. I feel this was not properly investigated due to timeframe. I have reached out to the debt collection company and original creditor previously and was told they will not report a pay to delete. This debt is hurting my credit and would like resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: CA

Complaint narrative:
Guarantee compliance by removing disputed accounts promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
XXXX  XXXX XXXX is currently reporting my closed account ( Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with multiple 30-day late payments during late XXXX. However, the alleged delinquency dates are inconsistent across the credit bureaus. For example, one bureau reports a 30-day delinquency in XX/XX/year>, while others report it in XXXX or XX/XX/year>. This inconsistency raises serious concerns about the accuracy and verifiability of the information being furnished. 

I never received any certified documentation or proof showing that my payment was actually 30 days past the due date for any of these months. After the account was paid and closed, no further delinquency should have been reported without verifiable documentation. 

I contacted the company and requested verifiable evidence of the alleged lateness, including the original billing statement date, the due date, and the exact date the payment was received and applied. To this day, XXXX  XXXX XXXX has not provided certified documentation to support the late payment claims. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires data furnishers to ensure the maximum possible accuracy of the information they report. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), the company must report only complete and accurate information. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666i and 1666b ), payment application and billing accuracy must be documented precisely. 

Since XXXX  XXXX XXXX has not provided verifiable documentation to certify the alleged delinquency, and the reporting is inconsistent across multiple bureaus, the reporting is inaccurate and harmful to my credit standing.

Company response to consumer: Closed with explanation