vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has not provided me with a credit file. I have access to their website and still can not see my information as no Credit file is available. I reached out to Equifax on several occasions they state that they can see my credit file and dont understand why I can not see my Credit profile. They insisted for me to remove my security freeze in order to see my bureau, which is an absurd as a victim of identity theft prior. They permanently removed the security freeze leaving me at risk for identity theft again. They removed the freeze to still not be able to access my credit file. I was recently denied a loan due to them not reporting information on my Credit file for me for several years and I am unsure to why they can only see my credit profile, but I can not. The reported that I disputed my mortgage even though that was inaccurate. They are not reporting any trade lines nor my mortgage costing me a {$50000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
This is multi-leveled. This is against my uncle XXXX XXXX. XX/XX/year> when I closed on my house I thought the monthly payments were going to be XXXX XXXX something max but the final monthly mortgage was {$1600.00}. XXXX XXXX has also offered me jobs and then had me do work for him without paying me. XXXX XXXX is the most untrustworthy person I know. I really do not want him working in the mortgage industry any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im filing this complaint because there appears to be inaccurate and duplicate reporting of a collection account from XXXX XXXX XXXX on my credit reports. After reviewing my credit files, I noticed that this account is showing up more than once, with conflicting information and no proper proof that the debt is valid or belongs to me. 

The accounts in question are : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX Each account lists different balances ( {$890.00} and {$160.00} ) and different details about the creditor type and status, which makes the reporting appear inconsistent and unreliable. I have not received any documentation or validation showing that XXXX XXXX XXXX actually owns this debt or has the legal right to report or collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX someone logged into my online banking account while I was sleeping from XXXX, while there they changed my shipping address, ordered a new card to themselves, and also requested a new virtual card which they used to take the funds out of my account. They did multiple transactions XXXX of which being sending other peoples money into my account to take as well and also using the mypay function to take money from there and use that as well. I filed a dispute immediately and we locked down my account changing the password, pin, logging out all users ect. Then the day before I was supposed to receive temporary credit to my account they denied my dispute even though it was very obviously fraud stating on the phone that I did not have enough supporting evidence, I asked how I am supposed to provide documentation for accounts that are not mine and the supervisor agreed, we reopened the dispute as a rebuttal and I provided info such as I filed a police report, a complaint to the FDIC, a report to XXXX per the police dept request. They have now denied it once again and have refused to let me speak with anyone that could tell me why and barely would let me reopen the dispute. Also, when I filed a police report on XX/XX/XXXX I called Chime requesting an official statement saying I disputed the charges per the polices request and they refused to provide this to me. I will outline all transactions below. All transactions listed below were not made by me, no one else had access to my account or my card/card information. 

XX/XX/XXXX XXXX - {$20.00} - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
After reviewing my Target XXXX XXXX statement in XXXX of 2025, I noticed that my autopay made huge payment for charges that did not belong to me. There were a total of 5 international purchases along with 2 credits on my statement that I knew nothing about. contacted Target immediately to report this issue and was told that they would connect me to their Fraud Department. I canceled my card and was instructed by a fraud dept employee to complete an affidavit that I would receive in the mail. I completed it and listed all fraudulent charges, signed and dated it and returned it as asked. Since that time, I have contacted Target over 8 times. Every time I have called, they have assured me that there were no updates and that they would respond in 90 days which never happened. I was assured on multiple occasions that I would receive something in the mail with a final decision on how they'd proceed. Still nothing. I have been a long standing customer and I'm so disappointed on how Target as well as TD Bank have given me the run around. As of today, I have yet to receive any resolution. I am owed over {$600.00}. This delay has caused a hardship for me as I am still recovering from XXXX XXXX and have had to deal with this horrific behavior from an institution that I deemed reputable. Can you please help me with this as I am was held financially responsible for charges that I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
I am disputing the above account because it contains multiple inaccuracies, including incorrect balances, wrong dates, missing original creditor information, and conflicting reporting across credit bureaus. XXXX XXXX also obtained a default request, default entry, and judgment based on unverified and inaccurate information. 

This account was for a used vehicle I purchased, for which I paid a higher interest rate, and the vehicle came with undisclosed damages. These issues further show the account is invalid, inaccurate, and unverified.

Under FCRA 1681s-2, 1681i, 1681e ( b ) and FDCPA 809, I request : 1. Immediate deletion of this account from all credit bureaus ( XXXX, Equifax, XXXX  ) 2. Cessation of all collection activity 3. Full validation of the debt, including the original signed contract, full payment history, proof of ownership, and documentation showing the vehicles condition and interest terms This reporting is illegal and inaccurate, and I request written confirmation of deletion and that no further collection activity occurs. 


Desired Resolution : Delete this account from all credit bureaus Stop all collection attempts Provide validation if they intend to pursue the debt Signed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Consumer USA is reporting a charged-off auto account on my credit report with a balance of {$6700.00} and a charge-off amount of {$14000.00}. I was never properly notified of any default, right to cure, repossession deficiency, recalculation of balance, or post-charge-off activity. 

I have requested validation and documentation, including : The original signed retail installment contract A full payment history ledger Proof of how the alleged deficiency balance was calculated Copies of required notices of default or right to cure Santander has not provided any of this information, yet continues to report the debt.

Reporting information that can not be verified violates : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverifiable data ) FCRA 15 U.S.C. 1681i ( failure to reinvestigate and correct ) If this account has been transferred or assigned to any third-party collector, further collection efforts without validation violate : FDCPA 15 U.S.C. 1692c ( c ) ( Cease Communication ) FDCPA 15 U.S.C. 1692g ( b ) ( must cease collection until validation is provided ) At this time, no verified debt has been established and no evidence has been provided that I legally owe the amount Santander is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit file by the XXXX major credit bureaus. My XXXX  XXXX bankruptcy was filed and XXXX through the Bankruptcy XXXX XXXX XXXX, Georgia. Upon contacting the court directly, I was informed that they DO NOT provide bankruptcy information to any credit reporting agencies and said they DID NOT supply said info to Equifax, Experian or Transunion. 

Therefore, the presence of this bankruptcy on my credit report indicates that the information may have been obtained by an unauthorized third party, which could constitute a violation of the Fair Credit Reporting Act ( FCRA ). Since this data can not be verified as obtained from an official source, I am requesting the immediate removal of the bankruptcy record from all 3 of my credit reports.

Additionally, several credit inquiries appear on my file that are directly associated with debts that were included and XXXX in the same XXXX  XXXX bankruptcy. These inquiries no longer have a permissible purpose under FCRA 604, as the underlying accounts have been legally extinguished. I am requesting that the CFPB require all 3 credit bureaus to remove all such inquiries as well, as they are now unauthorized and misleading.

Please investigate this matter and compel all 3 credit bureaus to : 1. Delete the unverifiable bankruptcy record from my credit files.

2. Remove all related hard inquiries tied to debts discharged in bankruptcy. 

XXXX. XXXX rescore so that my credit score is accurate and up to date. 


Thank you for your assistance and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
Company : Acima Credit , LLC ( Acima Leasing ) Address : XXXX XXXX XXXX, XXXX, UT XXXX Type of Product : Lease-to-own agreement Issue : Deceptive or misleading practices, unauthorized account changes, and denial of access to account information Complaint Details : I am filing this complaint against Acima Leasing due to deceptive and unethical practices related to a lease agreement I entered into through one of their partner retailers.

I was approved by Acima for a lease-to-own agreement to purchase several items from a retailer. Acima informed me that they would pay the retailer in full for the selected items. However, Acima only paid for certain items from my order without providing any explanation. They then adjusted the total amount owed based on what they decided to cover, effectively changing the terms of the agreement without my consent or authorization. 

Following this, Acima revoked my access to their app, which is the only way customers can view lease documents, payment schedules, and account details. I have been unable to view my lease agreement, payment history, or account balance since this occurred. This has left me without transparency or control over my own financial obligations.

Acimas actions have created confusion and hardship. Their advertising and communication made it appear that I was entering into a straightforward financing arrangement, not a complex lease agreement with unilateral adjustments and account restrictions. I believe this constitutes deceptive business practices, failure to disclose key terms, and obstruction of access to financial information.

Desired Resolution : 1. Immediate restoration of my full access to the Acima app and my lease account.

2. A written explanation and documentation detailing why Acima only paid for part of my order and changed the amount owed.

3. A corrected lease statement reflecting the original agreement or a fair cancellation without penalty.

4. A review by the CFPB into Acimas deceptive presentation of lease agreements and their denial of account access to consumers.

Additional Information : I am willing to provide documentation of my communication with Acima, including evidence of the missing items from my order and my attempts to regain access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
In XX/XX/2025, I submitted a written debt validation request to XXXX XXXX XXXX for a collection account reported at {$9000.00} account. The request, submitted on XX/XX/2025, asked for full supporting documentation, including : -A complete, itemized ledger -Proof of all payments received -A breakdown of all fees or charges applied -A clear calculation showing how the total balance was determined I followed up by phone and email on XX/XX/2025, during which a representative confirmed that the requested documentation had not yet been provided and gave no estimated timeframe for sending it. 

Despite this, on XX/XX/2025, Experian verified and updated the account on my credit report, stating that National Credit Systems had stated they provided the information. This is inaccurate because the collection agency had not provided any documentation, meaning the account was verified and reported without proper validation, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

I am requesting : 1. Immediate removal of this unverified collection from my credit report.

2. Written confirmation that the account will no longer be reported.

3. Documentation showing what verification, if any, was conducted to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
In XXXX I found fraudulent and inaccurate information on my credit reports with Experian, Equifax, and TransUnion, including an unauthorized address, phone number, and several charge-offs and late payments. My data was exposed in the Equifax breach and confirmed by XXXX XXXX XXXX dark-web alerts. I filed a police report and submitted full documentation under FCRA 605B to all three bureaus requesting immediate blocking and deletion. Disputed items include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX entries . Despite proof of identity theft, these errors remain. Im requesting each bureau remove all unverifiable and fraudulent data, retain only accurate identifiers, and confirm compliance with 605B within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have a collection from a car I was never in possession of and it has been in collections since XX/XX/year>, I reached out to the collections company via certified mail asking for clarification on the collection and have not gotten a response it has been well over a month since I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/year>- Requested a refund of {$18000.00} as listed on my monthly statement. Called XXXX  after not receiving. 
Finally received a check for XXXX the amount, {$9100.00}. Did not cash but called to find out why. They had no real reason only to say I could not be issued the rest until I actually cashed the first check. I deposited into my bank on XX/XX/year> it was rejected by XXXX  bread financial and returned to my bank. Once again I am out {$18000.00}. I called again and the automated service said I have a credit balance of {$9100.00} instead of the full amount. I stayed on hold for an agent for over XXXX minutes and no one ever answered. There is no physical bank I can go into to speak with someone. I believe there is fraud on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: DE

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-06 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: DE

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief