vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NC

Complaint narrative:
I purchased furniture using XXXX XXXX in XXXX. The merchant delivered incorrect merchandise. 

I contacted the merchant and XXXX to resolve the issue. The merchant became unresponsive and appears to be closed or unreachable. The merchant stated that they would arrange pickup of the incorrect items themselves, meaning they would front the pickup and delivery costs. The merchant never followed through with pickup and then became unresponsive. 

XXXX denied my dispute based on an internal dispute timeline. I then filed a chargeback with my bank. After investigation, my bank ruled in my favor. 

Despite the merchants failure to deliver the correct item, failure to retrieve the incorrect item, and the banks ruling, XXXX initiated collection activity for a negative balance. 

In XXXX XXXX XXXX, XXXX confirmed in writing that it does not provide return shipping and can not require the merchant to facilitate or accept a return, while still requiring a return in order to resolve the balance.I have consistently remained willing to return the item in accordance with what the merchant stated, that they would arrange and pay for pickup due to their mistake. XXXX later confirmed it does not provide return shipping and can not require the merchant to facilitate a return, yet collection activity continues. 

I remain willing to return the item upon receipt of written return instructions and confirmation that the item will be accepted. Absent that, continued collection activity is improper. 

I am requesting removal of the collection balance, cessation of collection activity, and confirmation that no negative credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
I am filing this complaint regarding TransUnions repeated refusal to conduct a reasonable investigation into my direct consumer disputes, in violation of the Fair Credit Reporting Act.

I have now submitted five ( 5 ) separate disputes directly to TransUnion concerning inaccurate information on my credit report. Each dispute was submitted by me personally, as the consumer, and not through any third party. I did not authorize any credit repair organization, representative, or agent to act on my behalf.

Despite this, TransUnion has closed each dispute the same day it was received, asserting that the disputes were submitted by a third party. This assertion is incorrect and has been used repeatedly to avoid conducting a lawful investigation.

TransUnions actions demonstrate a pattern of procedural refusal, not a good-faith investigation. By repeatedly misclassifying my direct consumer disputes as third-party submissions, TransUnion has : Failed to conduct a reasonable investigation Denied me my right to dispute inaccurate information Prevented correction or deletion of unverifiable data Allowed inaccurate information to continue reporting This is not an isolated error. This is the fifth dispute attempt, and each time TransUnion has refused to investigate without requesting additional identity verification or providing a lawful basis for rejection.

I am requesting that the CFPB require TransUnion to : 1. Accept my dispute as a direct consumer dispute 2. Conduct a reasonable investigation as required by law 3. Correct or delete any information that can not be verified 4. Cease improper rejection of my disputes under false third-party claims I have attached documentation showing my prior disputes, TransUnions same-day closures, and proof of my identity.

Attachments to include with this CFPB complaint Attach all of the following ( this is important ) : 1. All prior dispute letters ( including the law-based ones ) 2. TransUnions same-day closure responses 3. Proof of identity Government ID Proof of address 4. ( Optional but strong ) A short signed statement : I am the consumer and have submitted all disputes myself. No third party has been authorized.

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 2025-12-24 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: Professional Recovery Management
State: NC

Complaint narrative:
I have a medical bill that is on my credit report that is under {$500.00} based on information I have read online on experience own website. It says that medical debt under {$500.00} does not appear on credit reports when I realized it shouldnt be on my report I disputed its appearance on my report however, I was just notified that my dispute was rejected. I still believe this needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB COMPLAINT Transunion , Equifax , Experian Violation Re : Formal Notice of Dispute Unauthorized Credit Inquiries To Whom It May Concern, This correspondence serves as formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., as enforced by the Federal Trade Commission ( FTC ).

Upon review of my consumer credit report, I identified one or more credit inquiries that I did not authorize, initiate, or consent to. Under 15 U.S.C. 1681b, a consumer reporting agency and any furnisher of information may only obtain or report a credit inquiry when a legally permissible purpose exists. 
The following inquiry is disputed : EQUIFAX 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 have no record , recollection, or contractual relationship with the above-referenced entity that would establish a permissible purpose for accessing my consumer report. As such, the inquiry constitutes an unauthorized access of my consumer file.

Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter. If you are unable to produce competent evidence demonstrating a valid permissible purpose as required by 15 U.S.C. 1681b, you are obligated to delete the inquiry immediately and cease any further reporting. 
Additionally, please provide : Written verification of the investigation results Documentation evidencing the claimed permissible purpose Confirmation of deletion if verification can not be produced Failure to comply with the FCRAs requirements may subject the responsible party to civil liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 
This letter is sent without waiver of any rights, all of which are expressly reserved. 
I expect your full compliance within the time limits prescribed by federal law. 
Sincerely, XXXX XXXX XX/XX/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 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I submitted an outgoing wire transfer request that was never processed. There was no written confirmation, rejection, or explanation provided by the bank. 

I spent several hours on the phone over multiple days, placed multiple callback requests, and spoke with more than XXXX different representatives. None were able to explain why the wire request was ignored or resolve the issue. Despite explicitly requesting a written explanation, none was provided. 

After the wire failed, I requested to close my account and receive my funds by check. I was told a representative would contact me within XXXX hours. No one followed up, and my account was not closed. 

As of today, my funds remain inaccessible. Because I could not access my money, I incurred transaction-related financial damage, including fees from other transactions that could not be completed.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: AK

Complaint narrative:
Chime has been ruining my credit score for more than three months, and it has been a total disaster for my credit profile, as they are reporting the wrong balance, which is affecting my score every time. I'm just transferring my direct deposit paycheck from Chime to another bank, and then I will definitely close this account. I hope I will come out of this painful stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Wiicar U.S., LLC
State: FL

Complaint narrative:
While my complaint is pending, the lender proceeded with repossession of the vehicle. 

This action has caused immediate hardship, including loss of transportation, loss of income capacity, and retention of personal property and prescribed medication inside the vehicle. 

The repossession occurred during an active dispute involving material contractual inconsistencies and regulatory review. 

I am requesting expedited review due to operational harm and potential retaliatory conduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing in response to a new accounts that has appeared on my credit report under the name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I received an alert indicating that these accounts were inserted into my credit file without my authorization and without my knowledge of any such debt. I do not have a contract or lawful relationship with this company, and the reporting of this alleged account is damaging my credit reputation and standing. 
I attempted to contact the company directly ; however, they did not provide any documentation that validates the alleged debt no contract, no signed agreement, no itemized accounting, and no supporting records of ownership or consent. In the absence of original, verifiable documentation, this reporting is unsupported and improper. 
This matter also concerns my privacy and the permissible use of my consumer information. Under Section 601 of the Fair Credit Reporting Act ( FCRA ) and related provisions governing privacy, accuracy, and permissible purpose, no party may report or circulate consumer information without a lawful basis, proof of authorization, or a valid underlying obligation. 
Because there is no evidence of a valid contract or verified account, I am demanding the immediate deletion of this entry from my credit report and written confirmation once the deletion has been completed. Continued reporting of an unverified and unauthorized account constitutes a violation of my rights and must cease without delay. 
Thank you for your prompt attention to this matter. I remain willing to review any legitimate, original documentation if it exists, but until such records are produced, this account must not be reported, collected upon, or treated as valid.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Re : Formal Complaint Unverified Credit Reporting Consumer : XXXX XXXX Dear CFPB : I am submitting this complaint regarding an account reported under my name by Nissan Motor Acceptance Company LLC ( NMAC ) that appears on one or more credit reports. I do not recognize this account and dispute its validity. 

Background : I previously filed complaints with CFPB regarding this account ( File # XXXX and # XXXX ). 

NMAC responded to my disputes on XX/XX/XXXX and XX/XX/XXXX, admitting that they can not locate or verify the account with the information provided. 

Despite this admission, the account continues to be reported on my credit reports with specific balances, charge-off status, and payment history. 

Issues : Failure to Verify Account NMAC has admitted they can not locate the account in their records. 

Under FCRA 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation after receiving a dispute. NMAC has failed to do so. 

Inaccurate Reporting The account shows a balance, past-due amount, charge-off, and payment history that can not be verified. 

Reporting unverified information violates FCRA 1681e ( b ) and is materially misleading.

Violation of Consumer Rights Continued reporting of an unverified account harms my creditworthiness and is a violation of my rights under the FCRA.

Requested Action : I request that CFPB investigate this matter and ensure that NMAC : Immediately deletes the unverifiable account from all credit reporting agencies ( XXXX, XXXX, XXXX  ). 

Provides written confirmation to me and the credit bureaus that the account has been deleted. 

Ceases reporting unverified information in the future. 

Attached are copies of : NMACs responses dated XX/XX/XXXX, and XX/XX/XXXX My prior correspondence disputing this account This complaint is filed under my rights pursuant to : 15 U.S.C. 1681g Right to request all information in a consumers file 15 U.S.C. 1681s-2 ( a ) & ( b ) Duties of furnishers to report accurate information and conduct reasonable investigations I expect that CFPB will take action to ensure that inaccurate, unverifiable, and harmful information is corrected or removed immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Last XXXX of XXXX : XXXX Date of Birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This issue has been ongoing for approximately 18 months, following the passing of my husband. 

I was charged unusually high monthly fees totaling approximately {$6000.00} for one XXXX property, and about {$12000.00} in total for two struggling properties. When I asked why the fees were so high, the bank acknowledged that the fees were excessive and said they would be reduced. 

Later, the Truist bank stated that there was a system issue and issued a partial fee credit of approximately {$200.00} for each of two accounts. Given that this was described as a system issue, the lack of a clear explanation and the minimal {$200.00} credit per account do not reasonably address the impact of the excessive fees. Despite these acknowledgments, the same high fees continued to be charged without any reduction. 

I also attempted to close or consolidate the accounts to avoid these high fees. Despite repeated requests and coordination with all required parties, the accounts remain open. 

I am requesting retroactive fee credits and that the bank immediately stop charging these fees and close the accounts as requested. Additionally, since Truist Bank described this as a system issue, it appears that the issue has not been resolved. I am concerned that this system problem may continue to affect other customers and should be addressed to prevent similar situations 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 2025-12-24 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: MI

Complaint narrative:
XXXX XXXX  or XXXX XXXX  reported my account as charged off and closed I called them and informed them in XXXX several times to inform someone that I was affected by financial difficulty and that I was having trouble making my payments but that my situation is temporary however they did not offer affordable options instead they reported my account as a charge off and as a closed account. I also informed them that I will resume with my payments in XXXX but they proceeded to report my account as closed when in fact was not and as a charge off. I paid off my account in XX/XX/XXXX and brough it to current but they did not remove that information from my credit report. This loan company charges over {$200.00} fees for each billing cycle and person like me who has no option than to borrow from this company feels trapped as is and never ending cycle and when in hardship even thou it is communicated this company offers no payment deferment or temporary interest reduction to help customer get back on track. I want their comments and incorrect charge off reporting removed .Thank you

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: GA

Complaint narrative:
I sent in payments to US Department of Education for {$50.00}, XXXX, {$75.00}, {$20.00}, {$34.00} and {$70.00}. These are for the months XXXX through XXXX of 2025. I asked chime to provide check number, or tracking numbers or pictures of those checks so I can show proof of payment. The customer service team said there is no way to provide that documentation. If that is the case it's is completely unacceptable, this is a basic banking task.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I applied for a XXXX XXXX  Credit Card through Comenity on XXXX official website. I was approved for the XXXX version, not the store card. The approval screen clearly stated You have been approved for a XXXX XXXX Credit Card with an APR of 32.25 %. It also displayed XXXX-specific terms and a temporary {$500.00} credit line for immediate use. 

I have screenshots of this approval. 

However, when I contacted Comenity, multiple representatives including a U.S.-based agent told me that my account probably changed afterward and is now a store-only card ( PLCC ). They also claimed they could not give me temporary card information even though the approval specifically stated I would receive that immediately. 

This is bait-and-switch behavior and is misleading, deceptive, and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing in response to a new account that has appeared on my credit report under the name XXXX XXXX XXXX XXXX. I received an alert indicating that this account was inserted into my credit file without my authorization and without my knowledge of any such debt. I do not have a contract or lawful relationship with this company, and the reporting of this alleged account is damaging my credit reputation and standing. 
I attempted to contact the company directly ; however, they did not provide any documentation that validates the alleged debt no contract, no signed agreement, no itemized accounting, and no supporting records of ownership or consent. In the absence of original, verifiable documentation, this reporting is unsupported and improper. 
This matter also concerns my privacy and the permissible use of my consumer information. Under Section 601 of the Fair Credit Reporting Act ( FCRA ) and related provisions governing privacy, accuracy, and permissible purpose, no party may report or circulate consumer information without a lawful basis, proof of authorization, or a valid underlying obligation.

Because there is no evidence of a valid contract or verified account, I am demanding the immediate deletion of this entry from my credit report and written confirmation once the deletion has been completed. Continued reporting of an unverified and unauthorized account constitutes a violation of my rights and must cease without delay. 
Thank you for your prompt attention to this matter. I remain willing to review any legitimate, original documentation if it exists, but until such records are produced, this account must not be reported, collected upon, or treated as valid.

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