vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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 2025-08-28 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
In XXXX about XXXX bitcoins and it was stolen in XX/XX/XXXX. Im still receiving emails if theyre still depositing withdraw my money I can watch it but I cant get into it. I hired a lawyer he hacked me for {$10000.00}. I have all the transactions through Coinbase to XXXX XXXX to buy it all that I just need somebody to help me get all the information. Im watching them. Send me emails depositing my money taking my money but I cant do anything about it. I need some help. Ive taken everything and Ive got ta have nothing left. Im a single father with a daughter I need some help to get my money back. Theyve got {$9.00} XXXX in this account, but that wasnt how much I had but Im sure theyve stolen from other people as well. You can contact me at XXXX. My name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Any help would be very grateful and appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
i received a letter on Monday XX/XX/XXXX from my employer that this debit collection company had filed a court order to garnish my wages effect XX/XX/XXXX for a debit. I called the debit collection company looking for answers. They informed me it was a financial institution and the debit in question was from XX/XX/XXXX. I stated the debit wasn't mine and did the company know that was 26 years ago and why are contacting me now. The company informed me the tried contacting me back in XX/XX/XXXX again I stated that was 10 years ago. I asked for a dispute letter from the company and they agreed to send it but it will take 7 to 10 business day for me to received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding Capital Ones shopping rewards program. I completed three consecutive hotel stays ( 'shopping trips ' ) in XX/XX/year> at a XXXX XXXX, booked under my husband 's name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The total amount spent across these stays was approximately {$500.00}, which under Capital Ones rewards program should have earned me roughly XXXX miles ( XXXX points per dollar ). I carefully read all the fine print multiple times to ensure I qualified for the miles.

These rewards remained pending until 90 days had passed. I called Capital One on XX/XX/year>, and after escalating to a supervisor, was advised to wait 90 days. I followed this guidance and called again on XX/XX/year>, only to be told that because the 90 days had passed, and since XXXX never sent back the confirmation for my shopping trips, there was nothing that could be done. The rewards are now marked as inactive.

This is unacceptable. I completed the transactions, followed all instructions, and attempted to resolve the issue in good faith. Capital Ones refusal to credit my account after these stays, and their marking the rewards as inactive, is inconsistent with the programs terms and constitutes improper handling of the rewards.

Thank you for your attention to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for violating my rights under the Fair Credit Reporting Act ( FCRA 605B ). Despite providing Equifax with sufficient documentation of identity theft, including proof of my identity and supporting evidence, Equifax has refused to block and remove fraudulent account from my credit file as required by law. Instead of complying with their clear legal obligation to block identity theftrelated information within four business days, Equifax issued a letter dated XX/XX/year>, stating they would not block the account at this time. This is a direct violation of FCRA 605B, as I have met all statutory requirements. Equifaxs refusal to comply has caused ongoing harm, including inaccurate reporting, damage to my creditworthiness, and significant emotional and financial distress. I am requesting that the CFPB take immediate action to hold Equifax accountable for willful and negligent noncompliance with the law. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
Stewart, Zlimen & Jungers , Ltd. ( XXXX, Mn ) is nationally recognized for consumer collection and bankruptcy work for creditors, as well as Fair Debt Collection Practices Act defense litigation- the law firm is hired byXXXXXXXX XXXX is a debt collection agency that purchases charged-off debts and seeks to collect on them, often through a third-party company called XXXX XXXX XXXX. the law firm prey on consumers by collecting debt knowing that the debt is fraud, but they do it anyway. for example, the credit card original value of the credit card was XXXX dollars, and the organization sent XXXXdollar garnishment to my employer. In XXXX I received an email notification form XXXX stating my information was part of a data breach and I filed a claim because I learned all of my personal information was leaked- soon after my information was used to get four fraudulent credit card accounts. I was contacted by the banks, and I explained to them it was fraud, and they agreed to remove from my credit, but they sold the accounts and then wrote them off. Stewart, Zlimen & Jungers , LtdXXXX ( XXXX, Mn ). went to the XXXX XXXX XXXX court and lied to the court to get the garnishment knowing it was fraud by pretending the debt was legit and lied about the chain of custody

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % 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 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 2025-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Failure to Maintain Accurate and Verified Personal Information FCRA and Metro 2 Violations I am filing this complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and verified personal information in my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards established by the Consumer Data Industry Association ( CDIA ).

Despite prior disputes and requests, my credit reports continue to display outdated, duplicate, or unverifiable personal identifiers, including former addresses, name variations, and obsolete employer data. These entries are inaccurate, misleading, and do not comply with the accuracy and relevancy requirements of the FCRA or the Metro 2 guidelines.

The only information that should appear on my credit profile is the following verified and accurate personal data : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SSN ( last four ) : XXXX I have provided supporting documentation, including a government-issued ID and a recent utility bill confirming my current address, yet the credit bureaus have failed to make the required corrections. 

This constitutes a violation of : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Duty to reinvestigate disputed information

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
This complaint is with complaint XXXX. I did it separately because your system doesn't allow having two businesses on one complaint form. This is what happen. 
On XX/XX/XXXX, I traded in a car with XXXX  and used the trade-in to purchase a XXXX XXXX XXXX. The amount of that trade was {$8500.00} net amount. I finance the XXXX with Bridgcrest. Using XXXX. The amount financed was {$37000.00}, and I was informed that the APR was 24 % per year. Looking at my contract, I see it was all a scam. The contract states nothing about a daily interest rate of {$23.00} ; it just states the yearly amount of the APR. The APR is XXXX, which is illegal based on the XXXX limit, which is 16 %. My APR is XXXX as per contract but actually it {$23.00} a day in interest because they keep telling me I signed a daily interest loan. It also states in my contract that there will be no penalty if I choose to pay this off early. But it clearly states in my payoff amount that {$23.00} is included in this payoff amount. Now {$23.00} is also illegal as a daily interest. Additionally, XXXX and Bridgcrest inflated the car 's cost. Now I am asking, please look at the contract, the APR is 24.900 % which is illegal. The actual interest they are really applying is XXXX daily, which is also illegal. Look at the screenshot of the payoff amount. The way the loan is set up, you never get ahead of it. The amount I financed was {$37000.00}. XXXX The amount after paying back the loan in full is {$73000.00}. The amount of interest is XXXX. The interest on the car is more than the car itself. Also if you notice on the contract, it does not state the length of the loan, just the amount they finance. They finance a cosmetic fee. This whole contract was a scam set up by XXXX and Bridgecrest. Just look at the APR. Also, the amount of the car after paying never goes down, which locks you into them cause you can't refinance. The payoff is more than the car. This is two loans that Bridgecrest scammed me. I co-signed at the same time a car for my wife. She gave the car back because of the scam. Calling them, the only thing I get is I sign a daily interest loan, which is XXXX a day in interest. Thats what you signed. That is not what I signed or was told to me by XXXX when I was signing it. Plus, XXXX, which does business in XXXX, knows a XXXX car loan is illegal, so they use a loan company that is affiliated with them outside of XXXX to do this scam with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have disputed this debt several times but with no resolution. I did not have this debt is is fraud but yet I'm being held responsible and being harassed and its putting a bad impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: VA

Complaint narrative:
I am filing this complaint regarding Universal Acceptance Corporation ( UAC ) and XXXX XXXX for fraudulent auto sales practices, breach of contract, and unlawful credit reporting. 

On or about XX/XX/year>, I purchased a vehicle ( XXXX XXXX ) from XXXX XXXX. The vehicle was sold to me under fraudulent pretenses, with a defective motor, and I was provided a warranty promising repairs. When the car failed, I took it to their contracted repair shop, but XXXX  and

UAC refused to honor the warranty. Instead, they repossessed the vehicle despite the fact that I was sold a non-operational car under fraudulent and deceptive circumstances. Universal Acceptance Corporation has since reported the account as an involuntary repossession with a past-due balance of {$5500.00}. This is inaccurate, incomplete, and unlawful for the following reasons : Fraudulent Origination The car was knowingly sold in defective condition with falsified and misleading documents. Breach of Warranty XXXX  failed to honor the written repair warranty.


Unenforceable Obligation Under the Uniform Commercial Code ( UCC 2-721 and 3-305 ), contracts based on fraud and misrepresentation are void. Unlawful Credit Reporting Universal Acceptance Corporation is furnishing inaccurate and
incomplete information to XXXX XXXX and XXXX, in violation of the Fair Credit

Reporting Act ( 15 U.S.C. 1681s-2 ). Failure to Validate Debt As required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), UAC has not provided validation despite demands. I am requesting that the CFPB investigate both XXXX XXXXXXXX and Universal Acceptance Corporation for fraudulent sales practices,

breach of warranty, and unlawful credit reporting. Resolution Sought : Immediate removal of the repossession account from my credit reports with XXXX XXXX, and XXXX. 

Written confirmation that the debt is invalid and will not be pursued further. 

Investigation into XXXX XXXXXXXX fraudulent sales and warranty practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % 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 explanation
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
When I carefully reviewed my TransUnion credit report, I was deeply concerned to find that a XXXX  XXXX bankruptcy is still being reported under reference number XXXX, filed on XX/XX/year>, with the court listed as U.S. 
Bankruptcy XXXX. This information is outdated, inaccurate, and should no longer be appearing in my credit history. Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 1 ) [ 15 U.S.C. 1681c ], consumer reporting agencies are strictly prohibited from reporting bankruptcies beyond the 10-year limit from the date of filing. My bankruptcy was filed in XX/XX/year>, which means it is now past the allowable reporting period. Continuing to display this bankruptcy on my file is a violation of my rights under the FCRA.

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