vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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:
Please conduct a reasonable, independent reinvestigation of the following tradelines, which are inaccurate and/or unverifiable : Collection Management XXXX XXXX XXXX XXXX ( multiple ) duplicates ; no DOFD ; missing itemization ( medical/HIPAA-limited ). 
XXXX XXXX XXXX XXXX Refinanced/Open coding ; DLA conflicts ; DOFD missing. 
XXXX XXXX XXXX XXXX XXXX XXXX Open here vs Closed elsewhere ; DOFD/lease ledger absent. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. Refinanced/Open/Placed conflicts ; no assignment/authorization or DOFD. 
XXXX XXXX XXXX ( XXXX ) debt-buyer items without chain of title, itemization, or DOFD ; status/date conflicts. 
XXXX XXXX XXXX XXXX Open/collection with Past Due vs conflicting dates ; DOFD not shown. 
XXXX XXXX XXXX XXXX Refinanced/Open conflicts ; DOFD absent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX medical ; DOFD/assignment missing. 
XXXX XXXX XXXX Closed but Past Due = Balance and implausible late counters ; provide ledger/DOFD. 
XXXX XXXX  ( two repos ) provide NOI, sale/accounting, DOFD ; remove any unverified late codes. 
XXXX XXXX ( two tradelines ) Open/Closed/collection contradictions ; DOFD missing. 
XXXX XXXX ( several ) & XXXX XXXX charge-off coding with High Credit and date inconsistencies ; provide charge-off ledgers/DOFD. 
Statutes : FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( b ) ; Reg V ; GLBA 68016802 ; FCRA 604. Metro-2 : Fields 1719, 2425, 66, 71, Payment History Profile.

Relief Sought ( 30 days ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Complaint Summary Improper Vehicle Repossession / Breach of Peace I am filing a complaint against Credit Acceptance Corporation, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX regarding an unlawful repossession and breach of peace that occurred in XXXX XXXX, Illinois. 

On or about XX/XX/XXXX, my XXXX XXXX XXXX ( VIN ending in XXXX ) was repossessed between approximately XXXX XXXX  and XXXX XXXX  while parked at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, IL. 
I was not present at the time, and the property where my vehicle was located is private property owned by XXXX XXXX XXXX XXXX, not by me. 

The repossession was carried out by XXXX XXXX XXXX XXXX, contracted through XXXX XXXX XXXX XXXX, which was acting under assignment from Credit Acceptance.

However, there was no authorization or consent from the property owner for entry onto the lot. This violates Illinois law requiring repossessions to
occur without breach of the peace ( 810 ILCS 5/9-609 ( b ) ( 2 ) ) and may also constitute criminal trespass under 720 ILCS 5/21-3 ( a ).

I filed a complaint with XXXX  ( Ref # XXXX ), and Credit Acceptance later opened an internal investigation. Despite acknowledging my evidence, Credit Acceptance closed the investigation claiming the contract I signed allows recovery from private property. However, the property involved does not belong to me it belongs to a third party so that clause does not apply.

I am asking the CFPB to review whether Credit Acceptance and its contractors violated federal or state law by authorizing repossession on private property without owner consent and by failing to ensure a lawful process.

I also request that Credit Acceptance pause or correct negative credit reporting while this issue is under review, as my credit report now shows a repossession even though the matter remains disputed.

I have timestamped photos, video, and correspondence verifying the location and events and can provide them upon request. 

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Email : 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 explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-20 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Red River Credit Corporation
State: OK

Complaint narrative:
Made them aware the payment would be late gave them a date and they said that was fine. They continue to blow up my phone. On XX/XX/year> I received 6 phone calls first one at XXXXXXXX XXXX, the other 5 calls at XXXX, XXXX, XXXX, XXXX & XXXX. Today the calls were at XXXX, XXXX, XXXX, XXXX, XXXX & a text message from XXXX. They are also called my boyfriend twice in a row today once at XXXX and XXXX. This is beyond harassment in my opinion especially when I have already scheduled a payment with them.

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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and inconsistent information being reported on my credit report by a data furnisher. The account in question appears as both Current and Closed simultaneously, which is contradictory and misleading. Additionally, the account indicates a 6089 days late payment history and an 83 % on-time payment rate, which are inconsistent with the actual record of timely payments through XX/XX/year>. 

According to my report, my last payment was made on XX/XX/year>, and the payment status is listed as Current. If the account was paid and closed in good standing, it should not continue to display derogatory or late payment information. 
This reporting constitutes violations of the Fair Credit Reporting Act ( FCRA ) and the CFPBs Regulation V ( 12 CFR 1022 ), including but not limited to : 1. FCRA 607 ( b ) Failure to maintain accurate and up-to-date information. 
2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that is known or should be known to be inaccurate. 
3. 12 CFR 1022.42 ( a ) Duty of furnishers to update and correct information once an account is brought current. 
4. FCRA 611 ( a ) Failure to ensure accuracy during consumer-initiated disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Dear Equifax : I dispute the tradelines below as inaccurate, incomplete, and/or unverifiable : 1. XXXX XXXX XXXX ( XXXX XXXX ) Conflicting status and dates vs other bureaus ; missing DOFD/assignment ; provide contract, chain of title, itemization, or delete.

2. XXXX XXXX Charge-off with {$940.00} balance/past-due ; High Credit/Limit inconsistencies ; missing DOFD/ledger ; correct or delete.

3. XXXX XXXX XXXX  XXXX late-count and status conflicts ; reconcile Payment History/DOFD ; provide ledger or delete.

4. XXXX XXXX XXXX Charge-off while closed; missing DOFD, contract, itemization.

Authority : FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( b ) ; Reg V ; GLBA 68016802 ; FCRA 604 ; Cushman ; Johnson ; Gorman ; Saunders. Provide Method of Verification and an updated disclosure within 30 days ; delete any data not verified to original-record standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX I submitted my XXXX application. 
XX/XX/XXXX I received a Notice of Repayment Schedule Change " Your new Monthly Payment Amount is {$1400.00} and will begin on XX/XX/XXXX. Your Repayment Plan is : INCOME-DRIVEN REPAYMENT ( XXXXDR ) '' XX/XX/XXXX I submitted another XXXX  application. 

Current MOHELA Loan Details Loan Status : Administrative Forbearance-Ends XX/XX/XXXX Repayment Plan : Saving on a Valuable Education - Ends XX/XX/XXXX My administrative forbearance ends on XX/XX/XXXX, but my XXXX  application has not been processed. My current repayment plan is under SAVE, which is not a valid repayment plan. Please process my XXXX application and place my account under the XXXX Repayment Plan.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Good afternoon, I am reaching out in an attempt to file a complaint. Before you will see the list of events in chronological order : 1. I was in the process of moving from Colorado to Alabama. This was short notice, so I didn't exactly have enough funds and applied for a loan.

2. A mobile deposit was attempted that citibank flagged as fraudulent 3. I attempted to use my bank card, only to find out it would no go through 4. Located an email from citibank stating the account would close and no activity could be done on the account. ( I.e., Deposits, Withdrawals, Transfers, Purchases, etc. ) 5. I contacted customer service at which time I was informed of all the above listed actions on my account 6. I was given a different phone number to call to get the specific issue resolved 7. I contacted the number, where I was informed that there would be nothing could be done and I would have to open a new account ( which I did not and will not do ) 8. At this point, I needed to reach out to my payroll ( XXXX XXXX XXXX XXXX ) to let them know of the closed account which was currently being used for direct deposit ; however, payroll was already processing by the time I could get to them.

9. The process would then change to the attempt to be deposited into tyne citibank account, the deposit was to be denied since the account was closed,
the funds would be returned to XXXX XXXX where they would re issue the funds to me 10. I spoke with customer service today and was told now, that the funds are going to be in the form of a physical check and mailed out to me 11. The rep couldn't even give me a time frame for delivery Firstly, I was bounced around from person to person, only to me told there was nothing they could do. Secondly, my account was closed without a warning or advance notice. Essentially, CITIBANK HAS STOLEN MY MONEY!!!!

I am beyond livid! This is not how good business practices are implemented. I will be seeking legal counsel regarding this matter as well.

I expect MY MONEY to be issued to me IMMEDIATELY, without fail! 

With regards, XXXX XXXX Account being referenced : Checking Account ending in XXXX Debit Card reference : Visa ending in XXXX Address previously on file : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX New Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX Contact phone : XXXX Contact email : XXXX If you need anything else, please notify me ASAP.

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 2025-10-20 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 am a verified identity theft victim. My personal data was exposed in multiple breaches ( Equifax, XXXX XXXX XXXX XXXX XXXX XXXX , Experian ) and used to open fraudulent accounts and inquiries across all three credit bureaus. I placed fraud alerts and submitted disputes, yet unvalidated tradelines remain. Attached is my sworn Identity Theft Affidavit and evidence package detailing each account and violation for immediate block and deletion under FCRA 605B.

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 2025-10-20 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: RI

Complaint narrative:
Beginning in XXXX of XXXX  began attempting to reach Federal Govt Dept of Ed at suggestion of XXXX, Feds never responded. Beginning in XXXX XXXX began sending delinquincy notices. The XXXX system telephonically and on line to this day keeps saying " we don't recognize your SSN, give us your account number ''. Can never get a human being. XXXX was assigned the loan from XXXX. I DO NOT have an account number!!! 

I am trying to set up a repayment plan going forward. In the meantime my XXXX plus credit score has plummeted!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within XXXX days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank holding my remaining balance from checked deposit and all the check has been verified, every time I call Chase bank want to verify again!!!! Even they all called the check maker and verify! Every single time and people with chase has no patience the fraud department its been a year they dont call and no further update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
When I originally took out my student loans, they were serviced through Great Lakes and appeared as a single loan on my credit report. Without my authorization or approval, Great Lakes sold my loans to Nelnet. After the transfer, Nelnet itemized the loans, and instead of showing as one consolidated amount, I now have more than ten separate loans listed on my credit report. I was never contacted for consent regarding this change, and my loans should have remained in the same consolidated format as they were with Great Lakes. This new reporting makes it appear as though I have multiple separate loans, which is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Subject : FCRA/GLBA Dispute Inaccurate, Incomplete, and Unverifiable Reporting Dear Experian : Pursuant to FCRA 611, I dispute the following items : XXXX XXXX XXXX XXXX ( XXXX ) : Dispute resolved subscriber disagrees while still coded Collection ; activity/date inconsistencies exist cross-bureau ; missing DOFD, itemization, assignment. 
XXXX XXXX ( XXXX ) : Past-due and activity dates conflict with XXXX  ; nonsensical 90-day late 17x counter on a collection ; missing chain of title, original contract, itemized balance, DOFD. 
XXXX  XXXX ( XXXX ) : AsAgreed/Open but carried as Negative ; prior dispute markers without proof of independent reinvestigation.

Violations : FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( b ) ; Reg V ; potential GLBA/permissiblepurpose failures ( 68016802 ; FCRA 604 ). Under 611 ( a ) ( 5 ) ( A ), unverifiable items must be deleted.

Requested Relief ( 30 days ) : Delete or correct ; supply Method of Verification and furnisher contacts ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) ; send a corrected disclosure.

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