vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WAMM Sales, LLC d/b/a Auto Simple
State: TN

Complaint narrative:
My mother obtained a vehicle loan from Auto Simple, and since the purchase she has experienced ongoing harassment and abusive collection behavior. Her payment was due XX/XX/year>. Beginning on XXXX XXXX about XXXX days lateshe began receiving repeated threatening and unprofessional text messages from the company. These messages included statements such as You owe me a car payment, not silence, and threats to repossess the vehicle at specific times ( for example, Repossessing at XXXX PM on Wednesday XX/XX/XXXX ). Most recently they also threatened wage garnishment and claimed an attorney would sue her, even though no lawsuit has been filed and no judgment exists. These threats are false, misleading, and violate federal and state collection laws. 

In addition to the harassment, the loan terms were predatory, and she was pressured into signing quickly without receiving accurate information about the vehicles condition. 

We are filing this complaint because the company is using intimidation, false legal threats, and deceptive practices to pressure her, even though she is only slightly past due. We want the harassment to stop, for communication to be professional and accurate, and for the loan and vehicle issues to be properly 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-12-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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 2025-12-08 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: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
I took out a loan with Personify Financial for {$5400.00}. My first payment was made on XX/XX/XXXX, and since then I have been making consistent payments of {$270.00} every XXXX weeks from my bank account. 

Since XX/XX/XXXX, I have paid over {$2000.00}, but my loan balance has not been decreasing correctly. The numbers do not match what I have paid, and it appears that my payments are not being properly applied to my loan. 

I sent XXXX written email requests to XXXX  asking for : a full payment history the dates and amounts of all payments how each payment was applied a copy of my loan agreement and a correction to my balance XXXX never responded to either of my XXXX written requests, and they still have not provided any explanation or documentation. Because of this, I believe my payments are not being accurately credited, and my balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI card is applying a promotional loan due until XX/XX/year> and mixed with my current purchases. CITI is charging interest in both my current purchases plus the amount of the loan. They received autopay payment from my side for both current purchases and the loan. CITI is not honoring their commitment and contract on the promotional loan and they are charging interests. This is the second time that CITI have done this to my credit cards so CITI acknowledge that this is a problem in their system ( mixing current purchases and reward promotional loans ). I want to report this as a " scam '' and very bad practices from CITI since I have tried to fix this problems for months now and I only keep getting delayed and CITI continue charging interest for soemthing they know it is wrong on their side and they need to fix. The way CITI has been dealing with this error in their systme it make it a " scam '' to attract customer with promotional loans and then charge interests as regular purchases.

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 2025-12-08 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: IL

Complaint narrative:
Complaint about XXXX inaccurate and inconsistent reporting of a joint account and failure to conduct a reasonable reinvestigation. 

I am disputing the reporting of the XXXX XXXX XXXX ( XXXX XXXX ) account that appears on my TransUnion credit report as a joint installment account with a {$12000.00} credit limit and an opening date of XX/XX/XXXX. 

This account was opened by my husband without my knowledge or authorization. I did not sign any contract or credit application for this account and I did not give permission to add me as a joint borrower. I am not legally responsible for this debt. TransUnion is inaccurately reporting this account as if I am a joint obligor. 

I have already disputed this account with TransUnion multiple times in writing. On XX/XX/XXXX, I sent a formal dispute requesting that TransUnion verify my authorization and provide a copy of the original signed contract. I also notified TransUnion that XXXX  had already completed an investigation of the same account and deleted it from my XXXX XXXXredit file as inaccurate/unverifiable. Later, on XX/XX/XXXX, I sent another letter asking for full deletion of the account because TransUnion had only removed the late payment history but left the account itself on my report. 

The reporting of this account is inconsistent across the credit bureaus : XXXX has completely deleted this account from my file after its investigation. 
XXXX  has never reported this account on my file. 
Only TransUnion continues to report it as a joint account. 

These discrepancies strongly indicate that the information is inaccurate, incomplete, or not verifiable. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation when information is disputed ( 15 U.S.C. 1681i ). 

TransUnion has so far failed to : Provide any documentation showing that I actually signed for or authorized this account ; and Correct or delete the account despite XXXX deletion and XXXX  non-reporting. 

I am attaching copies of : My prior dispute letters to TransUnion dated XX/XX/XXXX and XX/XX/XXXX ; A letter/notice to TransUnion regarding FCRA violations XXXX Screenshots showing that XXXX  has XXXX the account ; Screenshots from XXXX showing that the account does not appear there ; Screenshots of my TransUnion report XXXX the account is still being reported as joint. 

I believe XXXX handling of my disputes constitutes a failure to conduct a proper reinvestigation and a failure to ensure maximum possible accuracy of my credit report

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe are inaccurately reported. I have reviewed the information, and I am requesting a correction based on the following accounts. Below, I have separated the disputes by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Inquiries : Bank XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
Went to a atm XX/XX/XXXX to withdraw XXXX dollars the atm glitched didnt dispense my money but approved the transaction on my online banking end taking the XXXX dollars out of my account leaving me with nothing but a receipt stating that they couldnt complete my withdrawal right and to contact my bank so I can be credited so I went ahead and did that sent them a picture of the receipt that came out receipt and they have left me going onXX/XX/XXXXdays no refund no information on my case but they refunded me XXXXXX/XX/XXXX out of the XXXXXX/XX/XXXXand sent me a email stating my dispute was resolved in my favor but then went ahead and sent me another email stating there going to contact the location of the incident took place but I dont see why they didnt do thatXX/XX/XXXXdays ago which is absurd I also read up on your agreement with cashapp after XXXX business days Im owed a provisional credit which I have asked for multiple to pay my rent which was due on the XX/XX/XXXX I also have a flight inXX/XX/XXXX days Im gon na need my money to survive and pay my bills i also been tryna contact the team abt this everyday since and they done nothing but lie to me and give me the run around

Company response to consumer: Closed with explanation
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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
my debit card information was stolen in the month of XXXX and I saw alot of fraudulent charges on my account being made at XXXX gas station/grocery stores for the amount of {$1500.00}. I submitted everything needed to prove it was all fraudulent, time stamps at work showing I was at work when they tried to use it at places over an XX/XX/XXXX away. I filed a police report, the police came to my house and everything. I even got time stamps from my gym showing I was at a gym an XX/XX/XXXX away from the XX/XX/XXXX they stole money from me. I appealed it and I have not heard anything back. they have provided me no formal documentation for the denial reasoning and its like no one cares at Navy Federal credit union. XXXX is the incident number. they even tried to use my card again after I canceled the card at the same store. please, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following items on my credit report. These accounts are inaccurate, and I respectfully request a thorough investigation to ensure they are reported accurately, in compliance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I request that it be removed from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The reported balance is inaccurate. Please verify this account or remove it from my report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
A fraudulent account was made using my name, address, and email. At least one transaction was completed. When I called the company, they refused to provide any further information and would not confirm account closure. They would not answer any of my questions.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the following items on my credit report. These accounts are inaccurate, and I respectfully request a thorough investigation to ensure they are reported accurately, in compliance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I request that it be removed from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} Dispute Reason : This account balance is incorrect. Please investigate and correct the reported amount. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The balance and account status reported here are incorrect. Please verify or remove this account from my report. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: TX

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.

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