vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-18 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 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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/year>, Bridgecrest debited {$2000.00} from my bank account for an auto loan payment. At the time, my vehicle had already been repossessed. 

Bridgecrest later stated that this payment was returned ; however, no refund was received in my bank account and no credit was applied to my auto loan balance. The funds are missing. 

I contacted Bridgecrest customer service multiple times requesting a refund confirmation or proof of where the money was sent. The representatives stated they could not provide any refund confirmation number, ACH trace number, or documentation, and advised that they did not know how to resolve the issue. 

I am requesting that Bridgecrest either immediately refund the {$2000.00} to my bank account or properly apply the payment to my auto loan, and provide full accounting documentation showing the disposition of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries listed on my credit report, including those from XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. These inquiries were made without my permission or consent, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a permissible purpose is required for any inquiry. I did not authorize these companies to access my credit report, and their actions have negatively impacted my credit score. I request that these inquiries be removed from my report immediately. If this issue is not resolved within 30 days, I will consider escalating the matter through legal channels. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2.

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed written disputes regarding inaccurate credit reporting, including multiple tradelines reporting inaccurate or unverifiable late payments, accounts impacted by identity theft or data breaches, and multiple impermissible credit inquiries. Despite my disputes, the inaccurate information remains.

The issues reflect a pattern of continued reporting without adequate investigation, including late payment history that is inaccurate or stale and continues to be reported as current, as well as credit inquiries that appear unauthorized or lacking a permissible purpose. I declined to proceed after being presented with materially different or misleading terms.

I requested investigation, correction or deletion, and written verification. As of today, no adequate investigation results have been provided, and the inaccurate information continues to be reported, causing ongoing consumer harm.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding Upstart Network Inc for inaccurate/unverifiable credit reporting related to account/reference XXXX. 

I dispute the accuracy, completeness, and verifiability of the Upstart tradeline being furnished to the CRAs. I requested documentation and verification to substantiate the reporting, but I have not received adequate verification addressing the disputed information. 

This complaint is a continuation of my written disputes : - On XX/XX/2025, I previously disputed and requested validation/verification in writing. 
- On XX/XX/2025, I mailed a follow-up written dispute titled Cease & Desist Opt-Out Furnisher Notice via USPS Certified Mail Return Receipt Requested ( Certified Mail ending XXXX ; Return Receipt # XXXX XXXX ) to Upstart Network Inc.

As of the date of this complaint, Upstart has not provided adequate verification/validation supporting the reporting, and the tradeline dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
Ray Klein credit service - XXXX * My EX. Husband, XXXX XXXX and I filed bankruptcy I was told by customer service that they would make me pay. 

* I have been receiving XXXX benefits since XXXX * Professional credit service /Ray Klein XXXX Received a bill for my son, XXXX XXXX XXXX Professional Credit - XXXX Received a bill for my daughter, XXXX XXXX I receive XXXX and 100 % covered and my household. I have been telling Professional Credit for years in-between XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5900.00} Account name XXXX XXXX XXXX Account number XXXX  Account type Charge Card Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime provided poor customer service while handling a scam/fraud issue. I lost {$75.00} due to unauthorized transactions/scam. I requested Chime to investigate on XX/XX/year>, they closed the investigation on XX/XX/year>. I called to get clarification as to why the investigation closed and if I could provide additional information. In the process of this call the rep was very rude, disrespectful, and spoke over me the entire call. I asked to be transferred to a manager/supervisor and the rep refused to transfer the call. This issue is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had 6 business credit cards with American Express, and these businesses relied on these credit card for operating expenses to continue operations. I went on family vacation to XXXX in XX/XX/year>, on my vacation I attempted to use one of my american express cards and they declined. I called them, to find out my accounts were suspended due to a review process. I submitted P & L statements, and multiple years of tax returns. I was advised this process would take 7-10 business days, and I did not get a response for 3 months. They wouldn't allow me to speak to anyone other than the representative assigned to my review, XXXX XXXX, and she refused to provide me any information. After the 3 months, XXXX XXXX called me to say theyre closing all of my accounts. I asked for the reason why, and if I could appeal it, and was provided no information. This has ruined my businesses ability to operate and has drastically effected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Product Checking account/XXXX XXXX  Issue Problem with a transaction / Dispute handling / Account closed What happened? 

I am submitting this complaint regarding my banks handling of an unauthorized transaction dispute and the closure of my checking account. 

Approximately {$3600.00} was transferred from my account through XXXX XXXX without my consent. I reported the transactions promptly and disputed them with my bank. 
I went to the branch and have called every day since reporting this, and neither the branch nor customer service, and fraud team will give me a real reason for closing other than they look consistent. Of course they are, she moved to Florida and came back I want to say XXXX and on my XXXX XXXX  I need ever sent anyone money from the time I had my XXXX XXXX, and there were no XXXX XXXX sent before bed being away. No evidence of authorization or consent was provided to me, and no meaningful investigation into intent or authorization appears to have been conducted. 

I also reported the transactions directly to XXXX XXXX. XXXX XXXX denied the disputes stating there was not enough evidence to prove that it did or did not happen. This response does not establish that the transactions were authorized. 

Despite the lack of evidence of authorization, my bank closed my account without providing a clear explanation. When I visited a branch, staff stated they could not see the reason for the closure or provide documentation. 
A provisional credit of approximately {$850.00} was initially applied and later reversed. I was not provided with a written explanation or evidence supporting the reversal, and I am now being told I owe this amount back to the bank. 

I am requesting a formal review of my dispute based on authorization and consent standards, written documentation of the banks findings, and validation of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I am submitting this complaint as a consumer who is actively working to correct inaccurate or unverifiable information on my TransUnion credit report. 

I am disputing the following charged-off account : * XXXX Account XXXX XXXX ( Opened XX/XX/year>, Balance {$0.00} ) I am disputing the accuracy and reporting status of this account and request a full reinvestigation with documentation from the furnisher verifying the reporting. 

I am also disputing the following inquiries, which I do not recall authorizing XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, I am disputing the late payment reporting on the following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account XXXX XXXX If the disputed account, inquiries, or late payment history can not be fully verified in compliance with the Fair Credit Reporting Act, I request that they be removed from my TransUnion credit report.

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 2025-12-18 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: VA

Complaint narrative:
I am submitting this dispute regarding several inaccuracies on my credit report. Please review the accounts listed below, which contain incorrect reporting for each of the credit bureaus. 

Charged-Off Accounts : XXXX  XXXX Account XXXXXXXX XXXX XXXX  Date Opened XX/XX/year>, Balance 0 Inquiries : No inquiries listed for dispute in this section. 

Late Payments : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXXXXXX 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 2025-12-18 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 filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
What happened : On XXXX, I was the victim of an account takeover scam involving a caller impersonating USAA. They had detailed knowledge of my account and convinced me to reset my password. The scammer then accessed my account, moved {$16000.00} from my savings to checking, attempted a {$5000.00} external transfer, and coerced me to perform a {$19000.00} debit card cash advance at XXXX in order to protect my finances. 
I notified USAA within 20 minutes of the cash advance. 

Despite clear evidence of unauthorized access, USAA denied reimbursement and claimed the transactions were authorized. This is incorrect. Under Regulation E, being coerced by an individual under the guise of said fraud team with my intent to protect my finances is protected and not classified as approved authorization. 

USAA failed to properly investigate : Password reset under duress New device/IP login Large, unusual internal transfers A cash advance far outside my typical behavior A cash advance exceeding my true available balance These indicators are consistent with account takeover, and other banks routinely reimburse such cases. 

I am requesting CFPB assistance in compelling USAA to comply with Regulation E, treat the transactions as unauthorized, and reimburse the loss.

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 2025-12-18 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: AL

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit report from XXXX  ExperianXXXX XXXX XXXXXXXX. The accounts in dispute contain inaccuracies, including but not limited to reporting errors, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ). I request that the following accounts be investigated and corrected in accordance with FCRA guidelines. 

Charged Off Accounts : 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 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to request debt validation for an account under the name " REGIONALAC '' with account number XXXXXXXX XXXX XXXX. I was notified of a debt that I do not recognize, nor have I been provided sufficient information regarding this account. The creditor has not clearly demonstrated that I owe this debt, nor have they supplied any supporting documentation or the original terms of the agreement.

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 2025-12-18 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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