vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: CA

Complaint narrative:
i got my account closed and my money wasnt sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I previously filed a complaint against Bridgecrest about an inaccurate repossession tradeline. Bridgecrest responded but failed to verify the account or provide lawful documentation. The Notice of Right to Cure dated XX/XX/year> is only a pre-repossession letter, not the required post-sale notice under Georgia UCC 11-9-611614. The Explanation of Deficiency dated XX/XX/year> has no proof of sale, buyer info, or mailing evidence. No deficiency billing statement or 1099-C was issued. The alleged {$16000.00} balance is unverifiable and inaccurate under FCRA 1681s-2 and 1681i. Bridgecrests investigation did not correct or substantiate the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered a tesla XXXX with the order XXXX XXXXXXXX and applied a loanconfirmed with APR 2.99 % but before I pick upI find the confirmed rate changed upto 5.49 % without my agreementI tried to communicated with my agent team and Tesla financal teambut they said they dont know the reson the only way is I have to accept the higher rate with 5.49 % after that I search with XXXX often happened such as methe rate increase after confirmed and you have to accept it or cancel you order without your order fee refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a FTC Identity Theft Criminal Complaint from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-21 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered an inquiry that I do not recognize and never authorized. I have not applied for credit with this company, nor have I given consent for them to access my personal information. This unauthorized activity is very concerning and has caused me unnecessary stress and 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 2025-10-21 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: CA

Complaint narrative:
I hereby dispute specific credit report entries tied to accounts I did not authorize. Please perform a comprehensive audit and remove them. Relevant exhibits are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Our mortgage is coming to maturity in XX/XX/year>, we decided to secure a HELOC with the property for XXXX the property is value at over XXXX and got denied. The lender claims to have send the adverse action letter to the wrong address not the address I provided. 
CITIZENS BANK was not risking any of they're money or collateral in this deal, not only were they not lending money but now Im left with anothet derogatory mark on my FICO score harming my financial health putting me at risk for more denial higher insurance premiums. Making this a big lost for me whom gained nothing from the transaction after having my credit extension denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
The account listed is incorrect and has been inaccurately reported under my name.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-21 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because TransUnion is reporting inaccurate and inconsistent information regarding my XXXX XXXX XXXXXXXX XXXX account, which was sold to XXXX XXXX XXXX XXXX XXXX ). 
Details : XXXX XXXX XXXX sent me a letter dated XX/XX/year>, confirming that they closed my account and requested that all three credit bureaus delete or remove the trade line related to this account. However, TransUnion continues to report this account as a charge-off under XXXX XXXX XXXX with a balance of {$0.00}, marked paid in full/charge-off, which is inconsistent with the furnishers update and violates the Fair Credit Reporting Act ( FCRA ). 
I disputed this with TransUnion on multiple occasions. Most recently, TransUnions investigation dated XX/XX/year>, claimed the account was updated but still lists inaccurate and outdated information. This continued reporting is misleading, inaccurate, and causes harm to my credit reputation.

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 2025-10-21 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate information that has not been corrected despite multiple disputes and attempts to resolve the issue directly with the credit bureaus. I have followed all proper procedures under the Fair Credit Reporting Act ( FCRA ), yet the inaccurate items remain on my report. 
These errors continue to negatively impact my creditworthiness and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the credit reporting agencies and the furnishers of this data to ensure compliance with the FCRA. 
I am demanding the permanent deletion of all inaccurate, unverifiable, and outdated accounts or information from my credit file. The ongoing presence of these errors, even after several disputes, demonstrates negligence and noncompliance by the credit bureaus and/or data furnishers. 
I have documented my previous dispute attempts and communications, and I am asking for immediate action to have these items removed from all three credit bureaus Experian, TransUnion, and Equifax.

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 2025-10-21 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: AZ

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I reported a fraudulent transfer totaling {$2700.00} from my Bank of America checking account. The money was sent to a criminal impersonating a landlord in a verified rental scam. I filed reports with the FBI IC3 and FTC, both confirming the fraud and listing the payment recipients. 

Bank of America opened two related claims ( # XXXX and # XXXX ) but only credited {$400.00}, stating that it relied on information from the merchant. There was no legitimate merchant, these were peer-to-peer transfers to scam accounts. By issuing a partial credit, the bank effectively admitted that fraud occurred but failed to reimburse the remaining {$2300.00} from the same event. 

Under Regulation E ( 12 C.F.R. 1005.11 ) and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), the bank had 45 days to complete its investigation and issue a final written determination or full reimbursement. More than 100 days passed without a compliant resolution. As of XX/XX/year>, my claim was still listed as Researching in the online tracker. 

I later submitted two written escalation letters, an Appeal of Claim Denial and a Final Notice of Regulation E Violation, requesting full reimbursement and compliance. Bank of America never responded or corrected its violation.

This failure to follow federal error-resolution procedures and refusal to reimburse the full amount constitutes a clear Regulation E and EFTA violation 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 2025-10-21 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: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
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

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the immediate removal of this incorrect account from my credit report, as I never authorized its creation or usage. I have included all necessary documentation to substantiate my claim.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: DE

Complaint narrative:
CFPB Complaint Narrative : Funds Withheld Due to Unreasonable Document Demand Product : Bank account or service/ Money transfer The Company Involved : Mercury XXXX  ( or relevant legal entity ) Date Range of Incident : XX/XX/XXXX Present ( XX/XX/XXXX ) Amount of Loss : XXXX XXXX ( XXXX XXXX  ) What Happened? 

On or around XX/XX/XXXX, an initial transfer of XXXX XXXXXXXX was sent to a XXXX account at a XXXXXXXX bank ( XXXX ) via a US-based intermediary ( XXXX XXXX ). Due to account limits, the XXXX bank was required to return a portion of the funds, specifically XXXX XXXX. 

Date of Return : On XX/XX/XXXX, the XXXX bank ( XXXX ) returned the XXXX XXXX to the originating source/intermediary. XXXX has formally confirmed via email that this return was executed as a DOMESTIC TRANSFER within XXXX, and therefore, no XXXX XXXX document exists for the return transaction. 

Mercury 's Obstruction : Starting in early XXXX and continuing through XX/XX/XXXX, Mercury XXXX has consistently refused to acknowledge the return of the XXXX  XXXX and has made the resolution of this case contingent upon the submission of an XXXX document. 

Refusal to Acknowledge Evidence : Despite receiving clear, documented evidence and explicit confirmation from the XXXX sending bank ( XXXX ) that the return was a domestic transfer and that the XXXX does not exist, Mercury support personnel ( e.g., XXXX, XXXX, XXXX ) have repeatedly issued identical template responses demanding this impossible-to-provide document. 

Result : This deliberate, two-year-long action of demanding non-existent documentation has resulted in the continuous and wrongful withholding of XXXX XXXX. The consumer seeks immediate intervention to compel Mercury XXXX to acknowledge the domestic transfer documentation provided by the sending bank and immediately locate and return the principal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I previously filed a CFPB complaint in XXXX regarding Sallie Maes refusal to provide hardship relief. The case was marked resolved with non-monetary relief, but nothing has changed. Sallie Mae is still refusing to offer any realistic hardship accommodation. 

On XX/XX/XXXX at approximately XXXX and XXXX, I called Sallie Mae and explained that I am 54 days late, unemployed, going through a divorce, and currently undergoing XXXX XXXX which limits my ability to work. I told them I only had {$50.00} available and asked if a partial payment could be accepted until a hardship plan could be reviewed. 

They refused to accept the partial payment and insisted I must pay {$170.00} minimum. When I explained that I can not afford that, they told me to " use a credit card '', which would force me into additional debt I can not repay. They also stated negative credit reporting would continue despite knowing I am in documented hardship. 

At no point did Sallie Mae offer forbearance, deferment, or any actual hardship assistance. They are pressuring me to take on more debt rather than reviewing or accommodating my financial and medical situation. 

I am requesting CFPB intervention because Sallie Mae is : 1. Refusing partial payments during hardship 2. Pressuring credit card debt to fabricate on-time payments 3. Ignoring a prior CFPB complaint outcome 4. Worsening my financial harm during a documented hardship 5. Refusing reasonable accommodation despite medical limitations I am not refusing repayment I simply can not afford the minimum right now. I am requesting : a legitimate hardship review temporary relief or forbearance acceptance of partial payments suspension of harmful reporting while under active hardship This situation is severely impairing my ability to recover financially, and I need CFPB assistance to secure a fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX  out of XXXX  of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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