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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) 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 CXX/XX/XXXXe XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) 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 CXX/XX/XXXXe XXXX 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 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 information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is not a mistake. Multiple accounts on my credit report are inaccurate and fail to meet the maximum possible accuracy required by the FCRA ( 15 U.S.C. 1681e ( b ) ). These erroneous entries are materially misrepresenting my financial history, damaging my creditworthiness, and causing ongoing emotional and financial hardship. I take my credit seriously, and these persistent inaccuracies are creating tangible negative consequences during an already difficult time.

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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 accounts are fraudulent and not authorized by me ; therefore, I am requesting their immediate deletion from my credit report. Pursuant to USC 1681g, please remove them within 15 days. Supporting evidence is enclosed.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I am writing to respectfully request that my dispute for the XXXX XXXX transaction dated XX/XX/XXXX be reopened for reconsideration. 

I ordered a vegetarian meal, but I received non-vegetarian food, which I could not consume due to personal and dietary restrictions. This qualifies as receiving incorrect goods/services. 

I contacted XXXXXXXX XXXX within their required XXXX window, but despite providing the necessary information, they refused to issue a refund. I have followed up multiple times, but the issue remains unresolved. 

Since the merchant failed to provide the correct order and denied a valid refund request, I kindly request Bank XXXX XXXX assistance in reopening and reconsidering this dispute. 

I can provide any additional documentation needed, including : Screenshots of the incorrect order delivered Proof that I contacted XXXX Eats within XXXX hours All communication with the merchant Thank you for your time and support. I sincerely appreciate your help. 

Kind regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

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 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: PA

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information XXXX have been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit in accordance with 15 U.S.C. 1681c-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF 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 — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information XXXX have been generated as result of a data breach, In which my personal information was compromised. I did not authorize the creation of this accounts or any associated transaction. I request that these items be blocked from my credit in accordance with 15 U.S.C. 1681c-2 which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been complete. I understand that the fair credit reporting act, you are required to complete your investigation and respond within 30 days. 

PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XX/XX/XXXX CREDIT BUREAU DISPUTE & LEGAL NOTICE XXXX XXXX XXXX BANK / LVNV FUNDING LLC ) Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX Date : XX/XX/XXXX This letter formally disputes inaccurate and misleading credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ). 
ORIGINAL CREDITOR : XXXX XXXX Bank, XXXX. 
CURRENT OWNER : LVNV Funding LLC SERVICER : Resurgent Capital Services L.P . 
Original Balance at Charge-Off : {$1200.00} Current Reported Balance : {$1000.00} Settlement Balance : {$690.00} Current Accurate Balance : {$420.00} Date of Charge-Off : XX/XX/XXXX Date Acquired by LVNV : XX/XX/XXXX Last Payment Date Reported : XX/XX/XXXX This account is actively enrolled in a negotiated settlement and repayment program throughXX/XX/XXXX. Verified monthly payments are being made. 
VIOLATIONS CURRENTLY OCCURRING : - Active settlement plan is not being reported - Payments are not properly reflectedBalance is inaccurately reported - Account is still falsely labeled as severely delinquent - Credit reporting is materially misleading and non-compliant FORMAL DEMAND FOR CORRECTION : XXXX. Immediate reinvestigation of this account XXXX. Correct balance to reflect payments and settlement terms XXXX. Accurate reporting of active settlement/payment status XXXX. Removal of false delinquency and derogatory remarks XXXX. Written confirmation of compliance Failure to correct this account will result in escalation to : - Consumer Financial Protection Bureau - State Attorney General - Federal civil litigation for statutory damages This notice is sent in good faith to provide an opportunity to cure legal violations. 

XXXX XXXX XX/XX/XXXX

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: EQUIFAX, INC.
State: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) 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 CXX/XX/XXXXe XXXX 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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Company Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX. 
Bridgecrest Acceptance Corporation XXXX XXXX : Auto Loan / Vehicle Financing Issue Type ( XXXX ) : Loan terms not disclosed clearly, deceptive sales practices, misrepresentation, unauthorized add-ons, privacy violation, bait-and-switch financing Complaint Narrative I am submitting this complaint regarding material misrepresentation, deceptive financing practices, and undisclosed vehicle tracking associated with my auto loan through XXXX and Bridgecrest. 

At the time of purchase, I knowingly agreed to the optional XXXX XXXX system based on the express representation by the sales associate that XXXX was the only GPS device associated with the vehicle. I specifically asked if any other GPS tracking device was installed or required, and I was told no. After the sale was completed, I later discovered I had been unknowingly signed into a separate Buyer Disclosure Statement and Agreement for Installation of a GPS System, authorizing a lender-controlled GPS device used for tracking, collections, and repossession. This lender-controlled GPS was never disclosed to me verbally and directly contradicts what I was told. I would not have purchased XXXX and would not have signed the financing contract at all had I known a separate lender-controlled GPS device was installed. 

In addition, I was pre-qualified online with a specific down payment amount, which I relied upon in good faith when traveling to the dealership. Once I arrived, the required down payment increased drastically without any legitimate change in my financial profile, which constitutes a bait-and-switch financing practice designed to induce me into the dealership under false financial terms. 

The discovery of the undisclosed tracking device and the deceptive financing practices caused severe emotional distress. This distress escalated into an emergency room visit for chest pain and possible cardiac involvement, caused missed days of work, financial loss, and emotional strain on my household, including my spouse. 

These actions constitute material misrepresentation, failure of informed consent, deceptive lending practices, unauthorized add-ons, and unfair inducement into contract. 

I relied in good faith on verbal and written representations by XXXX at the time of sale. Those representations were materially false and directly induced me into a contract I otherwise would not have entered. I am requesting immediate corrective action and regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX claiming to be XXXX XXXX, an HR XXXX. He was offering me a job as a XXXX XXXX at their supposed gaming studio. After a bit of research and seeing the company, XXXX Games, was seemingly real with credentials, I decided to reach out to the " HR '' on XXXX, username @ XXXX. 
We did a text only interview and I was lead to believe I got the job, but I would have to help pay for the equipment I needed. I was told I needed to send {$2400.00} to cover all of the equipment costs, and I started to send the person money through " Vendors '' in small amount through Zelle. He made the promise that he was going to refund all of the money to me, and it did not happen. Here are the following transactions : on XX/XX/XXXX, I sent a total of {$750.00} to " XXXX XXXX '' on XX/XX/XXXX, I sent a total of {$300.00} to " XXXX XXXX XXXX '' on XX/XX/XXXX, I sent a total of {$300.00} to the same vendor again on XX/XX/XXXX, I sent a total of {$300.00} once again to the same vendor on XX/XX/XXXX, I sent a total of {$700.00} to the same vendor. All of the transactions will have been done with this vendor, whom I have the fraudulent email of. At this time, the person I was communicating with has been telling me that the equipment has sustained damage and will need to be replaced, so I had to shell out more cash. on XX/XX/XXXX, I sent {$450.00} to supposedly cover a " broken graphics card replacement '' on XX/XX/XXXX, I sent {$500.00} to the same " vendor '' on XX/XX/XXXX, I sent {$370.00} the final transfer was made on XX/XX/XXXX, sending over {$590.00} Shortly after, I was hit with the hard truth that I have been scammed ; firguring out too late that this person was impersonating a real HR person of the real company he claimed to be a representative of. The scammer was unhappy that I discovered his game, but I was angered that this had happened, and I cut off communication with him. I ended up going to my bank, XXXX XXXX, got my routing numbers switched, and my remaining money transfered to a new account. This scammer was also contacting me via a fake email address under the name XXXX XXXX. I also contacted the bank to see if I could get my money back, but they have said they are completely unable to refund my losses because the transfers were made through Zelle. I am deeply upset about this so much so that it caused my mental health to spiral downwards and nearly committing self harm due to this lack of justice. I have all of the information of the false Zelle accounts, as well as the fake emails.

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 — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I was making really good payments on time but I had to love for work and I started struggling with payments. I have said that once then they proceeded to called about XXXX times a day when XXXX slowly making payments when I can because I was affected by the government shutdown.

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: OK

Complaint narrative:
Kindly review the materials provided ; the inquiries arrived without warning and XXXX not be approved.

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