vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I was lied to about how much I told too get my vehicle back I have an auto trader complaint against them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
XXXX XXXX is reporting an auto loan on my credit report that contains multiple factual inaccuracies, contradictions, and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I am requesting the CFPBs assistance because both the credit bureaus and the furnisher continue to report information that is demonstrably false. 
The account ( ending in XXXX ) shows the following unlawful and impossible reporting patterns : The payment history shows XXXX days late for nearly every month of XXXX and XXXX. 
This is mathematically impossible and constitutes illegal re-aging. Once an account reaches 120 days late, it must progress to charge-off or closure. Reporting XXXX late for two straight years violates Metro 2 and FCRA 1681e ( b ).

The account is simultaneously reported as : Open Over 120 days past due With a $ 0 monthly payment These conditions can not coexist under any lawful reporting format. This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

The bureaus state that no payment data older than two years exists, yet derogatories continue to appear without supporting data.

This means the derogatory payment history is unverifiable, violating 1681e ( b ). 
The trade line reflects XXXX late under the XX/XX/XXXX fields while simultaneously listing continuous XXXX lates. 
Impossible under Metro 2 and further proof of inaccurate reporting.

The account lists liability as Undesignated, which violates the requirement to correctly report consumer responsibility.

The past due balance of {$7200.00} can not be verified because the account does not list a monthly payment amount, a charge-off date, or proper delinquency progression.

Because the information is contradictory, unsupported, factually inaccurate, and legally non-compliant, I am requesting : Immediate correction or deletion of the XXXX XXXX trade line A full explanation of how this information was verified despite its contradictions A full investigation into the furnishers reporting practices This false tradeline is causing ongoing harm to my creditworthiness, loan eligibility, and financial wellbeing. I request the CFPBs assistance in enforcing compliance with FCRA reporting standards.

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 2025-12-08 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: MD

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-08 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: TN

Complaint narrative:
I am filing this complaint due to ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by the above-named companies. 
Despite multiple written disputes, these companies have continued to report materially false and misleading credit information, including : Past-due balances reported after charge-offs Re-aging of charged-off and repossessed auto loans Reporting balances without auction proceeds or deficiency calculations Reporting collection accounts without proof of ownership or validation Verifying disputed accounts without reviewing underlying documentation These inaccurate tradelines directly caused multiple auto loan denials, including documented denials from XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX my credit score was disclosed as XXXX and denials cited delinquent accounts and collections. 
XXXX & XXXX XXXX  ( CRITICAL ) As a direct result of being denied reliable transportation due to these inaccurate credit reports, I suffered documented medical and financial harm. 
I am currently under physician care for symptomatic XXXX, confirmed by a letter from XXXX XXXX for XXXX XXXX, which states that my condition caused : Missed work Reduced income Extensive medical appointments Difficulty maintaining regular attendance at work The inability to secure transportation due to these credit denials : Forced reliance on ride-share transportation Caused missed medical appointments Delayed treatment Exacerbated my medical condition This establishes actual damages, not speculative harm. 
LAWS VIOLATED 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct reasonable reinvestigations 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate information after notice 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance 15 U.S.C. 1692e & 1692g ( XXXX ) False and misleading collection activity UCC Article 9 Failure to provide post-repossession accounting

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart denied me for a hardship program on my other loan, even though I am in a documented financial hardship. After denying me assistance and refusing to offer any temporary relief, Upstart began calling and emailing me repeatedly about this separate loan. This is happening while I am still dealing with their unauthorized debit on my other account. 

I am now exercising my legal right to request written communication only. I have told Upstart to stop calling and texting me, yet they continue to contact me by phone. This is unacceptable, especially after refusing to offer hardship options and while I have active disputes and complaints open due to their previous unauthorized activity. 

Upstart is creating a pattern of misconduct across multiple loans : denying hardship, ignoring my communication rights, and continuing to contact me by phone even after I requested email-only contact. This behavior is escalating my financial and personal stress and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
I am submitting this follow-up regarding inaccuracies reported on my Equifax, TransUnion, and Experian credit reports, initially disputed in my first-round submission. Despite my previous notice, several accounts and addresses remain inaccurately reported, including. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX  XXXX XXXX * * Balance Owed : $ XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These inaccuracies misrepresent my financial history, create potential confusion, and violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require credit reporting agencies to ensure maximum possible accuracy and verify all disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
I am submitting this follow-up regarding inaccuracies reported on my Equifax, TransUnion, and Experian credit reports, initially disputed in my first-round submission. Despite my previous notice, several accounts and addresses remain inaccurately reported, including. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX  XXXX XXXX * * Balance Owed : $ XXXX, XXXX, A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. These inaccuracies misrepresent my financial history, create potential confusion, and violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require credit reporting agencies to ensure maximum possible accuracy and verify all disputed information.

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 2025-12-08 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: AL

Complaint narrative:
I am filing this complaint because TransUnion has obstructed my ability to dispute or block identity-theft-related items and mishandled my identity-theft filings in violation of FCRA 605B. After submitting an FBI XXXX Cybercrime Complaint during the federal shutdown, I suddenly lost access to TransUnions dispute system. This occurred immediately after submitting the identity-theft documentation. Since XX/XX/XXXX, I have been completely unable to dispute online. 

Every time I attempt to access my dispute center, I receive an online disputing is not available at this time error and am redirected to a disclosure-error URL. 

When I contacted TransUnion, a chat representative explained that my file was placed under Special Handling, and that this identity-theft flag is what caused the access block. I have since called repeatedly, been escalated to supervisors, performed account resets, and followed all instructions. Technical support never followed up, and I still can not access my dispute account. 

Instead of fixing the issue, representatives attempted to force me to dispute verbally over the phone. I declined because the issue is the unlawful access blocknot my ability to dispute. 

I filed my FTC Identity Theft Report today, now that the government shutdown no longer prevents FTC submissions. This CFPB complaint is the escalation and includes the FTC Report because the XXXX documentation was mishandled, treated as a standard investigation, and did not result in identity-theft blocking. TransUnion provided no Method of Verification whatsoever for any disputed item. 

My SSN, email credentials, passwords, and financial information are on the dark web due to major breaches ( TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ). I have also lived with other adults. These exposures caused unauthorized accounts, inquiries, and distorted addresses to appear on my TransUnion report. 

TransUnion is violating FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 1681i ( a ) ( 6 ) ( B ) ( iii ), and 605B, as well as XXXX  Deceptive Trade Practices Act. The Special Handling flag is being used to obstruct my federal rights instead of protect my file.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi TD Bank, On XX/XX/XXXX, I wired {$78000.00} USD from TD Bank to XXXXXXXX XXXX  with wrong wire instructions, so I recalled this wire on the same day XX/XX/XXXX and also contact XXXX XXXX as well for this issue. For your reference, this wire transaction XXXX XXXX XXXX XXXXXXXX. 

I contacted chase executive office and their wire department, they told me due to name mismatched with account number, they already bounce back this wire transfer on the next day XX/XX/XXXX, here is the wire return federal reference number XXXX shared with me : XXXX. 

Please perform wire trace for this wire return federal reference number : XXXX, return back my {$78000.00} fund to my original TD checking account : XXXX. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this follow-up regarding the inaccurate reporting of my XXXX account ending in XXXX, which continues to appear as a late open account on Equifax, Experian, and TransUnion. Despite my prior dispute, the account is still reported with multiple late payments 30-day lates in XXXX and XX/XX/year>, a 60-day late in XX/XX/year>, and 90-day lates in XXXX and XX/XX/year> that do not reflect my verified payment history. Under FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), the bureaus are required to ensure maximum possible accuracy and conduct a thorough reinvestigation of any disputed information.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
It's now 69 days since I've had a working debit card. I'm an American living in XXXX using Wells Fargo bank. This is the 2nd time that I have had this happen to me and you interceded on my behalf the first time I had this issue. I'm a veteran on SSDI with XXXX and these XXXX have denied me a debit card ( not really denied, they sent me two last month but because the cards automatically expire after 15 days if they are not activated they are both DOA ) It's worse than that though. They won't take my phone calls and they keep saying they someone will contact me but they never do. Believe me I already have a XXXX XXXX card on the way here and I am trying to open a new account online but these XXXX  will not answer my calls or let me access my money via XXXX as I have been trying to do for an hour. I know that you can't really do anything ( because I have filed on this already and the person representating them lied and said it was not possible to XXXX  me a card which is exactly how you resolved it the first time this happened )

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 2025-12-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint FCRA Violations and Inaccurate Reporting by XXXX XXXX XXXX TransUnion, Experian & XXXX I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by XXXX Credit XXXX TransUnion XXXX Experian, and XXXX  XXXX based on my Three-Bureau Credit Report dated XXXXXX/XX/year>

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am filing this complaint because Credit Corp Solutions Inc and XXXX XXXX are reporting a {$490.00} collection account on my credit report that is inaccurate, unverifiable, and in violation of federal credit reporting laws. This account is causing harm to my credit, and the furnisher has failed to provide ANY proper validation or legal documentation supporting their right to report or collect this alleged debt. 

1. Credit Corp Solutions has NOT validated this debt as required by law. 

Despite the fact that this account is being furnished as an open derogatory collection, the company has not produced : A complete accounting of the alleged balance A copy of the original signed contract Proof of assignment or ownership from XXXXXXXX XXXX Proof this debt is legally collectible Proof the amount is accurate Reporting a collection without providing validation is a direct violation of the FDCPA and FCRA. 

2. The reporting contains multiple inconsistencies. 

The account shows : Opened : XX/XX/year> yet still reporting as Open four years later No closure information Duplicate Placed for collection remarks No verification of accuracy from the original creditor If a furnisher can not report with complete accuracy, they must delete, per FCRA 623. 

3. The furnisher has failed to meet the reinvestigation standards required by the FCRA. 

I have attempted to dispute this information, and the furnishers response was vague, incomplete, and did not satisfy the legal requirements of : FCRA 611 Failure to conduct a reasonable investigation FCRA 607 ( b ) Duty to maintain maximum possible accuracy FDCPA 809 ( b ) Validation of debts Their lack of documentation makes it clear this debt is not properly verified. 

4. This account is causing measurable harm to my credit profile. 

This derogatory mark is lowering my score, restricting my ability to obtain housing, credit, and financial opportunities. A company should not be allowed to damage a consumers credit without iron-clad proof the debt is legitimate and accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-12-08 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: TX

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : 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 2025-12-08 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 just want to Follow up thismultiple inaccuracies on my credit report for the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance, opened XX/XX/year>, which is inaccurate ; XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice with balances of {$2400.00} and {$24000.00}, both of which are incorrect ; DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with balances of {$10000.00} and {$42000.00}, which are inaccurate ; and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a {$30000.00} balance, which is also incorrect.

Company response to consumer: Closed with explanation