vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
The details shown in my record do not accurately reflect my financial behavior and appear incomplete. I respectfully request a formal investigation and any corrections required to restore accuracy.

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am filing a complaint regarding my auto loan with Bridgecrest/XXXX because the vehicle sold to me on XX/XX/XXXX became unsafe and undriveable due to undisclosed defects that were present at the time of sale. Since the vehicle is now inoperable and under active dispute, I should not be penalized financially while awaiting resolution. 

Shortly after purchase of my XXXX XXXX XXXX XXXX XXXX, multiple mechanical and electrical issues began to appear, including navigation/compass failure, fuse issues, shifting hesitation, and a defective driver-side door check. My mechanic retrieved fault codes early on, and leaking was observed under the vehicle. 

On XX/XX/XXXX, XXXX XXXX diagnosed a transmission oil cooler leak, dangerously low transmission fluid, and potential internal transmission damage. They advised the vehicle is unsafe to drive. This is a major safety issue, and the failure clearly stems from pre-existing conditions that were not disclosed by XXXX at the time of sale. 

I attempted to resolve this by contacting XXXX and informing Bridgecrest that the vehicle is defective and under dispute. I asked how my loan would be handled while the vehicle is undriveable and under review, including whether billing, late fees, or negative reporting would continue. I was not provided with any clear information. 

Bridgecrest has continued to bill me despite the loan being tied to a defective, undriveable vehicle. I should not be penalized with late fees, collection activity, or negative credit reporting while the seller and lender review the situation. 

I have already filed complaints with the XXXX Attorney General and the XXXX XXXX XXXX regarding the condition of the vehicle and delays in XXXX response. The vehicle remains at the dealership and is not drivable. 

I am asking for immediate assistance so that I am not financially harmed for a situation caused by undisclosed defects in the vehicle XXXX sold to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-12-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My complaint is against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not against Chase. 

I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for misrepresentation and unfair business practices related to a timeshare purchase. During the sales presentation on XX/XX/year>, I was given false and misleading information about resale value, rental potential, maintenance fee coverage, and investment benefits, which directly influenced my decision to purchase. 

Complaint Summary : On XX/XX/year>, I purchased a points-based XXXX timeshare for {$21000.00} with a down payment of {$3200.00}. During the sales presentation, the representatives made several statements that were false or misleading, including : The purchase would increase in value and was an investment. 
I could rent out the timeshare to cover loan payments and maintenance fees. 
Maintenance fees would be covered by benefits or rental income. 
The timeshare would pay for itself over time. 
Immediate purchase was required due to limited availability. 

These representations were central to my decision to purchase. After the purchase, I never received these promised benefits and have never used the points. 

Financial Hardship : I do not have savings to cover payments. 
I have XXXX young children and can not afford necessary living expenses alongside this contract. 
Payments were made on credit cards, now maxed out. 
Continuing payments is impossible. 

Attempts to Resolve : Multiple written requests to XXXX regarding both hardship and misrepresentation have been ignored. 
XXXX has repeatedly called me despite my request for written-only communication. 
They have missed every deadline I provided. 

I am filing this CFPB complaint because XXXX is refusing to respond in writing, ignoring my documented attempts, and continuing to bill us for a product that we can not afford and that was sold through deception. 

I am not alleging wrongdoing by Chase. I am filing this complaint through Chase only because the CFPB requires complaints to be linked to a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I disputed inaccurate information with TransUnion in XX/XX/year>. TransUnion updated certain remarks, but major reporting errors still exist. TransUnion is reporting : re-aged charge-offs, repeated past due balances for years, and inaccurate derogatory data across XXXX, XXXX, XXXX XXXX, and XXXX XXXX. 

These accounts all show repeated CO codes and fixed past-due amounts every month from XXXX. This is not allowed. TransUnion has violated FCRA 607 ( b ) and 623 ( a ) ( 5 ) by re-aging derogatory information.

TransUnion has multiple name and address variations on my file, and I have confirmed exposure in numerous large data breaches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This creates a heightened mixed-file risk that TransUnion did not account for. 

Past disputes appear to have been processed via e-OSCAR without obtaining original contracts, statements, full payment histories, or DOFD documentation from the furnishers. This does not meet the requirements of a reasonable reinvestigation under FCRA XXXX ( a ). 

I am requesting CFPB oversight.

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 2025-12-09 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: GA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section XXXX ( a ) ( XXXX ) [ XXXX U.S. Code XXXX ( a ) ( XXXX ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section XXXX ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
The current entry is not representative of my true financial behavior, as it lacks completeness and accuracy. I am requesting a formal review and the necessary updates to correct this misrepresentation.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am disputing inaccurate information under the FCRA and request a full reinvestigation under 15 U.S.C. 1681i. Any item that can not be verified, or is inaccurate or incomplete, must be corrected or deleted from my XXXX  file immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
EQUIFAX CREDIT REPORTING HAS VIOLATED MY RIGHTS TO FCRA! On XX/XX/XXXX I REQUESTED A CEASE AND DESIST OF REPORTING FROM ( XXXX XXXX XXXX -BALANCE XXXX ) as it appears on my EQUIFAX credit file. Since then EQUIFAX HAS ALLOWED CREDIT CONTROL TO GAIN ACCESS TO MY CREDIT FILE AND UPDATE ACCOUNT ON FILE! I SENT EQUIFAX A FTC REPORT REPORTING ID THEFT FOR THIS ITEM. I SENT FTC REPORT VIA MAIL AND THRU CFPB WEBSITE PORTAL ON XX/XX/year>! EQUIFAX REFUSES TO REMOVE ITEM I HAVE CONSISTENTLY REPORTED AS IDENTITY THEFT! THIS ITEM SHOULD HAVE BEEN REMOVED IN 5 DAYS PER FCRA! EQUIFAX MUST BLOCK AND REMOVE ( XXXX XXXX XXXX ) FRON MY EQUIFAX CREDIT FILE BEARING SOCIAL SECURITY NUMBER XXXX and date of birth XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I am filing a complaint against National Credit Systems because they are attempting to collectand/or are reportinga balance that was fully paid at move-out with my previous property. Proof of payment, including screenshots and confirmation details, was already provided to the property management, yet the balance was never corrected before being passed to National Credit Systems. By continuing to report or collect a debt that has already been satisfied, National Credit Systems is violating the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and ( b ) for failing to ensure accurate reporting and failing to properly investigate disputed information. This also violates the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) for misrepresenting the character, status, and amount of a debt. Their inaccurate reporting is negatively impacting my credit, lowering my score, and causing economic hardship including difficulty securing housing and increased borrowing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding inconsistent and conflicting information being reported by TransUnion, Equifax, and Experian on the same XXXX account, listed as XXXXXX/XX/XXXX with a reported balance of {$910.00}. While reviewing my credit reports, I discovered that TransUnion shows a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year>, whereas Equifax lists the Date of Last Activity as XX/XX/year> and the Date Reported as XX/XX/year> for the exact same account. Experian, however, reports a Date of Last Activity of XX/XX/year>, a Date Reported of XX/XX/year>, and shows the account as 30 and 60 days late, which does not match the dates or activity displayed on the other two credit reports. These discrepancies create a conflicting and confusing representation of my credit history and do not match the records I have maintained for my personal finances. I carefully reviewed my statements, prior communications, and payment logs to understand whether any of these reported dates corresponded to actual activity, and I could not identify any transactions or events that justify three separate reporting timelines for one account. The inconsistent information affects the accuracy of my credit profile, and because each bureau is reporting different dates, statuses, and timelines, I am unable to determine which information if any is being reported correctly.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-09 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : Deceptive Marketing and Failure to Honor Promotional Bonus via Partner XXXXXXXX Description of Complaint : I am filing this complaint regarding SoFi 's failure to honor a new account promotional offer marketed through their affiliate partner, XXXX. 

1. The Inducement : I was induced to open a new Checking & Savings account with SoFi based on a specific advertisement on the XXXX platform. The offer promised a cash bonus of XXXX upon opening a new account and receiving a qualifying direct deposit. This promotional offer was the primary reason I chose to do business with SoFi. 

2. My Compliance : Acting in good faith, I fulfilled all requirements outlined in the promotion : I initiated the account application via the designated affiliate link on XXXX XXXX My account was successfully opened on XXXX XXXX I completed a qualifying Direct Deposit on XXXX XXXX, which posted to my account as required. 

3. The Violation : Despite meeting all terms, the promised bonus has not been paid. XXXX has denied the payout saying Sofi fails to report a transaction to XXXX or fails to make payment to XXXX for any reason. Since SoFi utilizes XXXX as a marketing channel to acquire new customers, SoFi bears the ultimate responsibility for ensuring its marketing partners honor their advertised offers. 

4. Impact : I have wasted significant time attempting to resolve this with customer support to no avail. The failure to provide the advertised incentive constitutes a " Unfair, Deceptive, or Abusive Act or Practice '' ( UDAAP ), as the financial product was marketed with a benefit that was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a former Bank of America customer currently living overseas ( XXXX ). My checking account was closed by the bank, and a refund check ( XXXX $ ) was issued in my name. 

The problem is that I can not cash this check from abroad. XXXX banks no longer accept XXXX checks, and Bank of America will not provide an alternative solution such as a domestic or international wire transfer. 

I have now regained access to my online banking, so my identity is fully verified. However, the system only allows transfers between my own accounts, and I can not deposit the refund check or request a wire transfer. The phone support team confirmed they can not initiate a wire on my behalf and offered no alternative solution. 

I simply need access to my own funds, but the bank is providing no workable process for customers living outside of the United States, even though I now have secure access to my account.

I am requesting assistance from Bank of America 's Executive Customer Relations team to : verify my identity through my restored online access ( or any additional documentation ), and issue a domestic wire transfer to my U.S. account at Wise ( or another reasonable method ).

Without an alternative to deposit the check, I am unable to access money that rightfully belongs to me. I respectfully request the CFPBs help so Bank of America can provide a functional solution.

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 2025-12-09 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation