vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: AK

Complaint narrative:
a PYMENT TO THE CC COMPANY WAS MISTAKEINGLY REVERSED BY ME, AFTER LEARNING THAT THE REAL NAME OF THE CC COMAPNY WAS A CERTAIN BANK I IMMEDIATELY MADE THE CORRECT REVERSED PAYMENT TO THE COMPANY BY DEBIT, FURTHERMORE i WENT TO THE BANK AND CORRECTED THE MISTAKE, IN ADDITION THE CC COMPANY VERIFIED THE BANK INFORMATION ON THE TELEPHONE AND LIFTED THE SUSPENTION THEN IMMEDIATELY SUSPENDED IT 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 2025-12-03 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Date : XX/XX/year> Debt Collector Name : Debt Collector Address : Re : Formal Request for Debt Validation under FDCPA Dispute Numbers : XXXX, XXXX, XXXX To Whom It May Concern : I am formally requesting validation of the alleged debt ( s ) referenced by dispute numbers XXXX, XXXX, and XXXX. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Under federal law, I am requesting the following : XXXX. Verification that the debt exists and that I am the correct person responsible. 
XXXX. The name and address of the original creditor. 
XXXX. A complete, itemized breakdown of the amount you claim I owe. 
XXXX. A copy of the original contract, agreement, or other documents showing I agreed to the debt. 
XXXX. Proof of your legal authority to collect, including chain of custody/assignment. 

Until you provide proper validation : You must stop all collection efforts, including calls, letters, and reporting to credit bureaus, as required by 15 U.S.C. 1692g ( b ). 
Any continued collection attempts without validation constitute a violation of federal law. 

If any part of this alleged debt has been reported to a credit bureau, treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are required to ensure all information is accurate and verified. 

Please send all validation documents to the address listed above. 

Thank you for your attention to this matter. 

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 2025-12-03 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: SC

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 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by this bureau. According to their records, several payments are falsely listed as late. These payments were actually made on time, yet this erroneous information persists on my credit report, resulting in harm to my credit score.

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 2025-12-03 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: Northbrook and Associates
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Demand Dear XXXX  XXXX Department , I, XXXX XXXX , am formally disputing the accuracy and completeness of information being reported under my credit profile with XXXX. This letter serves as a direct dispute pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 602A, 611, and 623, as well as XXXX XXXX reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ). 
Upon reviewing my XXXX  credit report, I identified XXXX or more accounts that contain inaccurate, incomplete, or unverifiable information. XXXX XXXX XXXX guidelines, all data furnishers are required to ensure that every field reported is accurate, verifiable, and complete. Any account that can not be verified with full compliance to these standards must be deleted or corrected immediately. 
Specifically, I am requesting that you : 1Conduct a reasonable reinvestigation of the disputed account ( s ).

2Provide documentation verifying the accuracy of each disputed item, including original creditor records.

3Ensure that all reporting fields meet XXXX XXXX data integrity requirements, including accurate ECOA codes, account status, date of last activity, and balance information. 
XXXX verification can not be completed in full compliance, delete the account ( s ) from my credit file immediately as required by FCRA 611 ( a ) ( 5 ) ( A ).

Failure to comply with these legal and reporting standards constitutes a violation of the FCRA and may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential civil remedies.

Please provide written confirmation of your investigation results within 30 days as required by federal law. I expect all corrections or deletions to be reflected across all reporting agencies. 
Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Signature : XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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:
Dear Experian This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX XXXX - XX/XX/year> - This inquiry was not authorized - I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
XXXX XXXX - XX/XX/year> - This inquiry was not authorized - I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to correct the issue with the illegal reporting of a bankruptcy case attached to my credit profile. I had addressed the issue, and filed a random series of disputes to this matter to each of the companies involved. The reporting of this bankruptcy case is a Federal violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq, as the bankruptcy courts does not report information to any consumer reporting agencies to include : Equifax, Experian, and Transunion. The continuing of this reporting reflected on my credit report constitutes to a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681 e ( b ).

The bankruptcy court does not report information to any consumer reporting agency, information related to bankruptcy filings may be obtained through third-party vendors or public record retrieval systems. Being that i have a common Legal name these reporting methods are inherently prone to inaccuracies, incomplete data, or outdated information, as established in XXXX v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ). 
Any continued reliance on unverified or indirect sources to report my bankruptcy status would constitute willful noncompliance, as described in XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

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 2025-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to resolve this issue, including calling the data furnisher as well as the credit reporting agency directly. I have even filed a report with The Federal Trade Commission which I will attach to this complaint. 

I would like to be provided proof I consented to these inquiries via FCRA section 604 and 607 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately within 7 Business Days.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
Constant calls, multiple times in a row, every day. 7 calls today alone, 25 in the past week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I did not open these accounts please remove now thank u

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 2025-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
someone stole my physical debit card. i noticed this XX/XX/year> at XXXX XXXX. when i checked my bank account and noticed that XXXX dollars was taken out at a macys and that {$25.00} was taken out at a XXXX  gas station. considering that the XXXX  that it was used at is XXXX minutes away from me and used at a gas station when i am not able to drive. when i found this out i called my bank and locked the card while reporting it missing and telling a bank teller that these charges are fraud. they told me my case number and said that i will get a letter in the mail within XXXX days if my claim is honored or not. on XX/XX/year> i got a mail in the letter saying that they can not honor my claim and that the credit that they put into my account will essentially be taken back out. i am beyond upset considering i am a XXXX  working a minimum wage job to pay for bills and i am NOT able to drive so what good does buying gas get me let alone ive never going to a XXXX  store. i am absolutely upset with my bank and hope that they can understand someone stole my debit card.

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 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I am a XXXX veteran and federal civilian employee who was significantly impacted by the recent federal government shutdown due to the lapse in the federal funding. Despite not receiving my full pay for my XX/XX/year> pay, I made my XX/XX/year> mortgage payment on time. However, I struggled to pay my XX/XX/year> mortgage payment because I did not receive my backpay for XX/XX/year> due to the XXXX long historic government shutdown. I called my mortgage company on XX/XX/XXXX and sent the attached message asking to let me pay late without penalty. I was told over the phone that since there is no late fee charged yet on the account I have to call the company back once it is applied. I received my backpay and made my XX/XX/year> payment on XXXX by being late for 1 day. This is my first time being late on my mortgage and I have been with this company for almost 5 years. On XX/XX/year>, I called the company and asked for a one time courtesy waiver of the late fee. I was promised that I will get a response soon. I waited until XX/XX/year> and sent the attached message asking for the waiver in writing. However, I received the attached response today on XX/XX/year>, that the company is not willing to waive the fee and encouraging me to pay it at a future date. The late fee is in the amount of {$160.00}. It is a lot of money for me. This company has been called a military family. However, I find it military unfriendly because of its greed. Many of my coworkers were not charged late fee in XXXX and XXXX by their mortgage companies. In fact, their companies reached out immediately to then during the government shutdown offering assistance. This company does not seem to care for XXXX veterans and public servants who have VA loans backed by the US government. Please help me to alert the senior leadership of this company and those who are in charge of VA loans who could be my brothers and sisters at arms and may understand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC
State: TX

Complaint narrative:
b'I need the Consumer Financial Protection Bureau to investigate violations of my rights under ECOA/Regulation B and FCRA/RegulationV disclosures.  For the deficiency of their adverse action notices.  HFS Financial  Failure to Provide Specific Adverse Action Reasons and Refusal to Accept CertifiedMail Dispute. ***I have attached a copy of that ECOA/FCRA dispute package for HFS Financial.  On 1XXXX  HFS Financial sent an adverseaction notice for my HELOC application that listed HFS Financial, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX as the contact address and provided a phone number for questions. I timely mailed a detailed written dispute and request for specific reasons to that address via XXXX  Certified Mail, Return Receipt Requested, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows an attempted delivery on XXXX XXXX XXXX  and a notice left for pickup; the item may be returned if unclaimed. HFS has not acknowledged receipt, provided the required specific reasons under ECOA/Regulation B, nor provided required FCRA disclosures when an adverse action is based on a consumer report.  Regulation B (ECOA) requires creditors to provide a written adverseaction notice and to deliver it to the applicants last known address; notification occurs when mailed to that address.  FCRA/Regulation V requires specific disclosures when an adverse action is based on a consumer report and gives consumers the right to obtain and dispute the report.  Sending a certifiedmail dispute to the address provided on the adverseaction notice is a goodfaith compliance step; documented XXXX  delivery attempts and returnreceipt records are evidence of attempted delivery and notice.  Because HFS failed to provide specific principal reasons and has not acknowledged my written dispute, I cannot meaningfully challenge potential discriminatory or inaccurate underwriting factors, and my ability to correct creditreport errors is impaired. This ongoing failure has caused stress, delay in resolving credit issues, and potential financial harm.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally Financial Account number XXXX, showing XXXX late payments as delinquent when the payments were made. XXXX late payments reported inaccurately. Payment records do not substantiate delinquencies. Please verify with original documentation or delete under FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers. 

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ).

These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

Company response to consumer: Closed with explanation