vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Superior Holdings, LLC
State: MI

Complaint narrative:
Surrendered the vehicle and signed off on it and they released the car to the cosigner and he failed to make payments so now they are coming after me for the money he was supposed to pay And gave my information to him when my information was not allowed to be released to this person

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CO

Complaint narrative:
On XX/XX/year> I was contacted by XXXX at the XXXX XXXX XXXX and he told me I was approved for an XXXX XXXX XXXX  for a total of {$550.00}, with {$50.00} down. So I paid that and I received the phone on XX/XX/year>. Then I was about to login to Acima 's website, and it showed that I owe {$28.00} a week plus taxes and fees for 52 weeks. Which is over {$1400.00} total. So that {$550.00} total and the {$500.00} that Acima approved me for were all lies. I'm being charged way more than I was told, and I am not out of a job, and nobody wants to work with me to let me return the device, and give me my refund for the {$53.00} that was charged to get the phone to begin with. I want this fixed, and I refuse to give this company another red dime of my money. They lied and are trying to get way more than they initially led on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00}

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 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a vanilla gift card last year in XXXX [ XXXX  ]. My balance that I applied to it was XXXX. Immediately after purchasing the card, I registered it online, linking my name, address, and other personal information to that card. Unfortunately, the card was lost. The Vanilla XXXX company offers a replacement card and even states this on their customer service number in a pre recorded statement. However, their agents do not offer this option and get rid of the customer by telling them that they can not replace the card without the number. How does anyone remember their lost card 's number? I know they can replace using my info but they make it impossible to utilize their policies and thereby deprived me of nearly XXXX for almost a year now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
This is my third complaint regarding XXXX furnishing of inaccurate student loan delinquency data. Despite multiple disputes, XXXX continues to report factually inconsistent late-payment information across Experian, XXXX XXXX XXXX and has failed to correct or adequately investigate the errors. 
XXXX previously cited the Fair Credit Reporting Act ( FCRA ) in its response but failed to comply with it. I am not requesting goodwill, deferment consideration, or a courtesy adjustment. I am submitting a factual accuracy dispute under FCRA 623 ( a ) ( 1 ) ( A ) because the data XXXX furnished is not accurate, complete, or consistent across all consumer reporting agencies, as required by federal law and Metro 2 reporting standards. 
Inaccurate and inconsistent reporting, for the same account and the same months, XXXX reported conflicting payment statuses to different credit bureaus, including : Months reported as ON TIME to one bureau and 90 DAYS LATE to another Months where no data was reported at all, followed by sudden 90-day delinquency reporting Payment histories that contradict XXXX  own statement that it does not furnish delinquencies until an account is 90 days past due A consumer can not legally be on time and 90 days late for the same obligation in the same month. Missing months, conflicting statuses, and sudden jumps to 90-day delinquency violate Metro 2 payment rating logic and the FCRAs accuracy requirements. 
Failure to investigate and correct XXXX responses have ignored the core issue : the late-payment data it furnished is factually inaccurate. XXXX has not provided : A reconciled, bureau-by-bureau explanation of the discrepancies Proof of the exact delinquency dates used to justify 90-day reporting A complete Metro 2compliant payment history showing how the data was derived If this dispute has been routed through a consumer reporting agency or CFPB workflow, XXXX is subject to FCRA 623 ( b ) and must conduct a reasonable investigation and correct or delete inaccurate information. That has not occurred. 

This is now the third complaint because XXXX continues to rely on conclusory statements and policy explanations instead of correcting demonstrably inaccurate data. Continued furnishing of inconsistent delinquency information after notice constitutes ongoing noncompliance with FCRA 623 ( a ) ( 1 ) ( A ) and undermines the integrity of my credit file.

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 2025-12-28 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: TX

Complaint narrative:
This is my third complaint regarding XXXX furnishing of inaccurate student loan delinquency data. Despite multiple disputes, XXXX continues to report factually inconsistent late-payment information across XXXX XXXX XXXX  TransUnion and has failed to correct or adequately investigate the errors. 
XXXX previously cited the Fair Credit Reporting Act ( FCRA ) in its response but failed to comply with it. I am not requesting goodwill, deferment consideration, or a courtesy adjustment. I am submitting a factual accuracy dispute under FCRA 623 ( a ) ( 1 ) ( A ) because the data XXXX furnished is not accurate, complete, or consistent across all consumer reporting agencies, as required by federal law and Metro 2 reporting standards. 
Inaccurate and inconsistent reporting, for the same account and the same months, XXXX reported conflicting payment statuses to different credit bureaus, including : Months reported as ON TIME to one bureau and 90 DAYS LATE to another Months where no data was reported at all, followed by sudden 90-day delinquency reporting Payment histories that contradict XXXX  own statement that it does not furnish delinquencies until an account is 90 days past due A consumer can not legally be on time and 90 days late for the same obligation in the same month. Missing months, conflicting statuses, and sudden jumps to 90-day delinquency violate Metro 2 payment rating logic and the FCRAs accuracy requirements. 
Failure to investigate and correct XXXX responses have ignored the core issue : the late-payment data it furnished is factually inaccurate. XXXX has not provided : A reconciled, bureau-by-bureau explanation of the discrepancies Proof of the exact delinquency dates used to justify 90-day reporting A complete Metro 2compliant payment history showing how the data was derived If this dispute has been routed through a consumer reporting agency or CFPB workflow, XXXX is subject to FCRA 623 ( b ) and must conduct a reasonable investigation and correct or delete inaccurate information. That has not occurred. 

This is now the third complaint because XXXX continues to rely on conclusory statements and policy explanations instead of correcting demonstrably inaccurate data. Continued furnishing of inconsistent delinquency information after notice constitutes ongoing noncompliance with FCRA 623 ( a ) ( 1 ) ( A ) and undermines the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
This is my third complaint regarding XXXX furnishing of inaccurate student loan delinquency data. Despite multiple disputes, XXXX continues to report factually inconsistent late-payment information across XXXX, Equifax, XXXX XXXX and has failed to correct or adequately investigate the errors. 
XXXX previously cited the Fair Credit Reporting Act ( FCRA ) in its response but failed to comply with it. I am not requesting goodwill, deferment consideration, or a courtesy adjustment. I am submitting a factual accuracy dispute under FCRA 623 ( a ) ( 1 ) ( A ) because the data XXXX furnished is not accurate, complete, or consistent across all consumer reporting agencies, as required by federal law and Metro 2 reporting standards. 
Inaccurate and inconsistent reporting, for the same account and the same months, XXXX reported conflicting payment statuses to different credit bureaus, including : Months reported as ON TIME to one bureau and 90 DAYS LATE to another Months where no data was reported at all, followed by sudden 90-day delinquency reporting Payment histories that contradict XXXX  own statement that it does not furnish delinquencies until an account is 90 days past due A consumer can not legally be on time and 90 days late for the same obligation in the same month. Missing months, conflicting statuses, and sudden jumps to 90-day delinquency violate Metro 2 payment rating logic and the FCRAs accuracy requirements. 
Failure to investigate and correct XXXX responses have ignored the core issue : the late-payment data it furnished is factually inaccurate. XXXX has not provided : A reconciled, bureau-by-bureau explanation of the discrepancies Proof of the exact delinquency dates used to justify 90-day reporting A complete Metro 2compliant payment history showing how the data was derived If this dispute has been routed through a consumer reporting agency or CFPB workflow, XXXX is subject to FCRA 623 ( b ) and must conduct a reasonable investigation and correct or delete inaccurate information. That has not occurred. 

This is now the third complaint because XXXX continues to rely on conclusory statements and policy explanations instead of correcting demonstrably inaccurate data. Continued furnishing of inconsistent delinquency information after notice constitutes ongoing noncompliance with FCRA 623 ( a ) ( 1 ) ( A ) and undermines the integrity of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to you regarding the following accounts that have been reported incorrectly on my credit file with TransUnion. I request a full investigation to resolve these discrepancies : Charged Off Accounts : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$780.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$330.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$720.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$230.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$440.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$330.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$190.00} XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$1600.00} XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$960.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$310.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$2400.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$1200.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$0.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$15000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$0.00} Inquiries : 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am submitting this complaint because my wages are currently being garnished for an alleged debt, yet I was never properly served with court papers, never notified of a lawsuit, and never given the opportunity to appear in court or dispute the debt.

I did not receive a summons, complaint, judgment notice, or any legal documentation informing me that a court case had been filed against me. I was completely unaware of any legal action until my employer notified me that a wage garnishment order had been received and deductions began from my paycheck.

This lack of service violates my right to due process. I was denied the opportunity to : Respond to or dispute the alleged debt Appear in court Verify the validity of the judgment Request exemptions or payment arrangements To my knowledge, no attempt was made to properly serve me at my current or previous address, nor was I notified by certified mail or personal service as required by law.

I am requesting that the CFPB investigate this matter and require the company to : 1. Provide proof of proper service and notice 2. Validate the alleged debt and judgment 3. Cease garnishment activity until this matter is resolved 4. Correct any violations of federal and state debt collection and consumer protection laws This situation has caused financial hardship and emotional distress, and I believe the garnishment is improper due to the failure to notify or serve me as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
I am writing to dispute the following accounts that have been incorrectly reported as charged off. I request that these accounts be investigated and corrected as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

============================== CHARGED OFF Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$600.00}

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 2025-12-28 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: NY

Complaint narrative:
I am writing to dispute an inquiry on my credit report. Please see the details of the disputed inquiry below : INQUIRIES : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year>

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 2025-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a XXXX XXXX XXXX  ( XXXX ), XXXX. account ending in XXXX XXXX XXXX XXXX XXXXXXXX with multiple material inaccuracies. The account is being reported with an inaccurate open date of XX/XX/year>, an inaccurate balance of {$330.00}, and a late payment. This account was previously closed and deleted. A late payment, reopened date, or balance on a closed and deleted account is factually and legally impossible. 

I disputed this account in writing and provided formal notice, including a verified complaint. Equifax failed to conduct a reasonable reinvestigation and failed to delete or correct the inaccurate information. Equifax has not provided any documentation verifying the accuracy of the reported information.

Equifaxs continued reporting of this fraudulent and inaccurate account is harming my credit and violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), and 1681i ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was not notified of the costs or damages. I was not the only one who lived there. I did not give permission for the release of my information nor did I receive the original bill from them. I asked for an itemized receipt recently, also to Experian. No one will provide one they just send me emails about leasing the apartment again. XXXX and XXXX came into my apartment and got in my face several times.I did not have air conditioning for more than half of my lease. I had a severe pest problem. I lost my job due to lack of sleep because maintenance was always at my window blowing with the leaf blower. I was really young when I got this apartment and they definitely were scamming me. I paid a huge XXXX deposit. All my life savings as I was homeless before that and I didnt complain at first because of it. This is a scam. I did not create XXXX worth of damage in those really outdated apartments. My old neighbors at XXXX XXXX drilled holes in my walls and smoked XXXX. Ive been in my current apartment for two years no problems. No pests. Complete peace.

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