vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Sent to Bridgecrest : emailed XX/XX/XXXX last spk to XXXX XX/XX/XXXX from XX/XX/XXXX. Hi you have misled me as a consumer along with XXXX. Today I see {$880.00} due XX/XX/XXXX just paid total {$1200.00} + yet XXXX already deferred months before XXXX XXXX and your system is still charging pymt thats deferred thats an error that needs to be fixed I spoke to him yesterday on consumer relations. He is my go too from XXXX billing. Therefore, I wasnt told that when I made pymt and ask to place it towards my principle that the system will assume that Ihave not made a pymt! Or when you receive a pymt from an OUTDSIDE source that your system mark it was a refund not a pymt and it automatically goes on principle. This is misleading as a consumer unfair & unknown practices with BRIDGECREST. So I filed today a complaint against your practices more to come. By the way, I have a recording from speaking with XXXX as you record our conversations that I am official XXXX mos behind ( which was apart of the deferment ) not XXXX mos as experian has reported in my history on the credit file. This is unlawfully or in error per your system misleading consumers as a whole.Other bureaus have reported different figures as well and they all need to say the same thing. Im trying to get a house through XXXX. 

XXXX XXXX XXXX when I do email you XXXX said that you dont communicate via email but send out automatic emails or do you use only by mail and text. Weird Plus the bi weekly isnt working from XX/XX/XXXX layoff under XXXX XXXX XXXX CX THE XXXX. I GET XXXX AND YOU HAVE NO CLUE AS BC HAVE BEEN INFORMED UP TO DATE. But you fail to change the bill from bi to monthly yet on my cr file it says monthly owing more than whats owed. On my portal the balance says I owe XXXX thats for the deferment its not owed it shld be on the back of the loan? Correct to go on now you show XXXX due XX/XX/XXXX when I just paid XXXX on XXXX and XXXX yet XXXX said that went toward months in deferment! So IS MY LOAN IN A HONEST DEFERMENT OR EXTENSION BECAUSE ON THE PORTAL IT SHOWS AN Extend for XXXX ONLY WHEN XXXX JUST SAID HE DID THE DEE-FERMENT FOR PART XXXX IDK I PAID XXXX ( the pymts I paid I ask for them to go to principal which no one told me that it will cause the syst to read non paid ) it will show reverse on the portal only and XXXX XXXX DEFERED BUT I TOLD XXXX IT ONLY SHOW ON THE PORTAL EXTENSION and on CREDIT FILE IT DOESNT SHOW THAT AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BUSEY BANK
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the recent closure of my account with Busey Bank. I was informed that the account was closed due to checks that were returned. However, I did not write those checks, as I was hospitalized at the time. Despite explaining my circumstances, I was not asked to provide any proof or documentation to support my statement. Instead, the bank appears to have made its decision solely on assumptions, which I find deeply unfair. 

Over the time I have banked with Busey, I have deposited multiple checks without any issue. I also received a letter demanding repayment of the funds in question. While I have no issue fulfilling my financial responsibility, the closure of my account has directly delayed my ability to resolve this matter. My business and employment deposits were scheduled to be made into this account, which would have satisfied the balance owed. By closing my account prematurely, the bank has disrupted my income flow and created unnecessary hardship. 

The letter I received states that the amount must be paid by XX/XX/XXXX. Due to the circumstances created by Busey Banks actions, I respectfully request an extension of XXXX months to allow me sufficient time to reestablish a new banking account and organize my finances to make repayment. 

At this point, I am not requesting the reinstatement of my account, as I no longer wish to continue banking with XXXX due to this experience. However, I do expect to be treated fairly in resolving this matter. To close my account without consideration of my situation or history as a customer is unreasonable and does not reflect the standards of care and fairness I would expect from a financial institution.

I ask that you reconsider the timeline for repayment and grant me the requested extension. Please confirm receipt of this letter and provide a written response to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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 am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-23 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-23 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: Starmark Financial LLC
State: TX

Complaint narrative:
Hi, This is regarding the fake collection on my credit report.

Company name : Starmark Financial LLC Original creditor : XXXX XXXX XXXX ( says in XXXX XXXX ) When i contacted Starmark Financial LLC for the origination documents they failed to provide that and also i was misguided that original creditor was XXXX XXXX  which i dont see on my credit report. 
Also i checked calling both XXXX  and XXXX XXXX to see records match with my SSN and nothing does ( Did it through customer call ) Please help me with this situation to get the fake collections account getting resolved as i will be badly affected in future as i need to lease a new appartment Kindly, 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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since XX/XX/XXXX Citi has been charging me double interest and I don't understand why. When I called Citi to inquire about it, the agent didn't give a direct answer, was evasive and didn't follow up my inquiry with a letter. In XXXX I've paid {$900.00} to Citi and {$440.00} in interest. I will attach photos of the first and last of the double interest statements but I have every statement since my credit card balance was XXXX so I can provide additional info on request. You have my permission to contact Citi about this matter.

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 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NV

Complaint narrative:
I placed an order with XXXX on XX/XX/year>, using Klarna. The order was marked as delivered, but I never received the package and never took possession of the goods. 

I opened a dispute with Klarna, but they closed it on XX/XX/year>, saying the merchant provided shipping details. Klarna has now referred the balance to XXXX collections. 

Tracking only shows a scan by the carrier, not that I actually received my purchase. I am being charged for merchandise I never got. 

I want Klarna to stop collections, remove this charge, and close the account balance since they can not provide proof that I received the goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MO

Complaint narrative:
XXXX XXXX  XXXX XXXX / Sent XXXX XXXX XXXX From : XXXX To : XXXX XXXX XXXX, XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  I made a payment of XXXX today and I want to ensure that that payment goes towards the principal as I instructed the agent to do. I also mailed a payment on last Friday for the amount of XXXX dollars. Again I need confirmation that the payment has gone towards the principal! My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX the telephone number associated with my account is XXXX and the account ends in XXXX XXXXXXXX XXXX XXXX XXXX XXXX From : XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  Good XXXX, The request was put in but it will be denied because if we put the full {$4000.00} to principal then your XXXX payment will become past due. A portion of this payment needs to be applied to cover your XXXX payment and the remaining will be applied all to principal. If you'd like to discuss this further, please call us at XXXX Mon-Fri XXXX ET. 

Thanks, XXXX Customer Service Global Lending Services LLC XXXX From : XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX Good XXXX, The request was put in but it will be denied because if we put the full {$4000.00} to principal then your XXXX payment will become past due. A portion of this payment needs to be applied to cover your XXXX payment and the remaining will be applied all to principal. If you'd like to discuss this further, please call us at XXXX Mon-Fri XXXX ET. 

Thanks, XXXX Customer Service Global Lending Services LLC ] XXXX XXXX XXXX From : XXXX To : CustomerService Sat, XX/XX/XXXX at XXXX XXXX I ASKED THAT IT BE PLACED TOWARDS THE PRINCIPAL DO NOT DO ANYTHING OTHER THAN THAT AS A XXXX PAYMENT HAS ALREADY BEEN MADE!! YOU DONT TAKE MY MONEY AND TELL ME WHAT YOUR GOING TO DO WITH IT I SAID PUT XXXX TOWARDS THE PRINCIPAL AND THAT IS WHAT I MEAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MD

Complaint narrative:
I am formally disputing derogatory accounts that are falsely reported on my credit profile. These accounts include incorrect account numbers and addresses that do not pertain to me, XXXX XXXX. 

This constitutes a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit bureaus to maintain accuracy and remove unverifiable or false data.

2. Detailed Complaint Statement A. False Derogatory Accounts Certain accounts reported on my credit file are derogatory and tied to incorrect account numbers and false addresses. These accounts are not mine and must be permanently deleted. 
Any account tied to an address other than : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX MD XXXX must be removed immediately. 
Any account where the account number does not match my verified records must be deleted. 

Failure to correct these items violates : FCRA 1681e ( b ) Accuracy requirement ( reasonable procedures to assure maximum possible accuracy ).

FCRA 1681i ( a ) ( 5 ) Obligation to delete inaccurate or unverifiable information.

FCRA 1681c ( a ) ( 5 ) Prohibition on obsolete or incorrect identifiers.

B. Previous Disputes I have submitted multiple disputes requesting removal of these false derogatory items. Your failure to reinvestigate and remove them constitutes non-compliance with FCRA 1681i ( a ) ( 1 ) ( A ) ( duty to reinvestigate within XXXX XXXX  ). 

XXXX XXXX Caused By leaving these accounts on my profile, your bureau is reporting false derogatory information that directly harms my creditworthiness, ability to secure credit, and overall consumer standing. This exposes your bureau to liability under : FCRA XXXX681n Civil liability for willful noncompliance.

FCRA 1681o Civil liability for negligent noncompliance. 

The attached report identifies a XXXX account being reported with erroneous account numbers and inaccurate information. This account is not valid for XXXX XXXX and must be permanently deleted. 
- The account appears with duplicate or mismatched account numbers. 
- It is associated with addresses not belonging to the consumer. 
- It is falsely classified as derogatory when it should not appear at all. 
This violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( 5 ) ( deletion of inaccurate/unverifiable info ), and 1681c ( a ) ( 5 ) ( false identifiers ). 
Requested Action : Delete all XXXX accounts tied to incorrect account numbers or false addresses and provide written confirmation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
I am formally disputing derogatory accounts that are falsely reported on my credit profile. These accounts include incorrect account numbers and addresses that do not pertain to me, XXXX XXXX. 

This constitutes a violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit bureaus to maintain accuracy and remove unverifiable or false data.

2. Detailed Complaint Statement A. False Derogatory Accounts Certain accounts reported on my credit file are derogatory and tied to incorrect account numbers and false addresses. These accounts are not mine and must be permanently deleted. 
Any account tied to an address other than : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX MD XXXX must be removed immediately. 
Any account where the account number does not match my verified records must be deleted. 

Failure to correct these items violates : FCRA 1681e ( b ) Accuracy requirement ( reasonable procedures to assure maximum possible accuracy ).

FCRA 1681i ( a ) ( 5 ) Obligation to delete inaccurate or unverifiable information.

FCRA 1681c ( a ) ( 5 ) Prohibition on obsolete or incorrect identifiers.

B. Previous Disputes I have submitted multiple disputes requesting removal of these false derogatory items. Your failure to reinvestigate and remove them constitutes non-compliance with FCRA 1681i ( a ) ( 1 ) ( A ) ( duty to reinvestigate within XXXX XXXX  ). 

XXXX XXXX Caused By leaving these accounts on my profile, your bureau is reporting false derogatory information that directly harms my creditworthiness, ability to secure credit, and overall consumer standing. This exposes your bureau to liability under : FCRA XXXX681n Civil liability for willful noncompliance.

FCRA 1681o Civil liability for negligent noncompliance. 

The attached report identifies a XXXX account being reported with erroneous account numbers and inaccurate information. This account is not valid for XXXX XXXX and must be permanently deleted. 
- The account appears with duplicate or mismatched account numbers. 
- It is associated with addresses not belonging to the consumer. 
- It is falsely classified as derogatory when it should not appear at all. 
This violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( 5 ) ( deletion of inaccurate/unverifiable info ), and 1681c ( a ) ( 5 ) ( false identifiers ). 
Requested Action : Delete all XXXX accounts tied to incorrect account numbers or false addresses and provide written confirmation within 30 days.

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 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
Following is an excerpt from an agreement I had with XXXX XXXX XXXX. After this initial agreement and first payment I received no other information on how and where to make the payments. I tried to find out but with best efforts to no avail. 

Payment Confirmation First Name : Omitted Last Name : Omitted Property Name : XXXX XXXX on XXXX Notes : Agreed settlement figure is {$4900.00} on XX/XX/XXXX. Pay it off over time I have received a letter dated XX/XX/XXXX from XXXX. XXXX XXXX ( XXXX. ), XXXX a debt collector claiming {$6600.00} for this debt. 

Although, as stated in this letter, I have until XX/XX/XXXX to call or write to deny this claim, I received a phone call from XXXX. on or about Thursday XX/XX/XXXX and the person on the other end began an abusive tirade and ignored everything I had to say. I assume this is just a part of their tactics. 

I lived at this apartment for 5 years. Always paid on time. I was a good tenant. 

I attempted in good faith to pay XX/XX/XXXX rent and presented a credit card on XX/XX/XXXX, I had used prior. The charge would not go through. The issuing bank said there was no block nor problem with the card and that the problem lay with the merchant. Other charges went through without a hitch. The XXXX XXXX XXXX XXXX department denied there was a problem at their end, but the facts contradict them. 

The on-site property XXXX XXXX XXXX XXXX XXXX month several times to charge the card without success. As I said, other charges on the card were paid with no problem. Although the XXXX XXXX department denied there was any problem at their end. 

At the end of XXXX the link in XXXX was still not working. I had the funds for XX/XX/XXXX and attempted to pay the XXXX rent, while the credit card issue was resolved. However, XXXX refused to accept the payment and insisted I vacate at the end of XXXX. 

I was evicted without cause. 

The non-payment of XX/XX/XXXX was due to a XXXX problem. 

This is after XXXX years of being a good tenant and continual on-time payments for rent. 

The XXXX. letter further did not include the payment of {$100.00} already been paid over the phone when the settlement agreement was made. 

The XXXX. representative said abusively that the existing agreement was " null and void ''. That is not the case. 

I believe that morally I don't owe any rent because of the appalling behavior of XXXX. Without cause they rendered me homeless and are threatening to destroy my credit and basically make it impossible for to me to rent anywhere again. 

Please help.

Company response to consumer: Closed with explanation