vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Friday XX/XX/2025 I created and opened an account in person with XXXX XXXX. They then closed the account on two different attempts of fraud and choosing not to bank with me.

Zelle then told me to contact XXXX because at this time they were no longer going be an available for contact only through the bank. 
I contacted XXXX and theyre Zelle department and they stated that they would not let go of my number that I pay MONTHLY for and since they insisted on that I prompted them to pay my phone bill and they denied. To this day. I can not register my number with any other company that is banking because they stated they would not release my number. They keep directing me to Early warning signs and not even they can tell theyll redirect me to Zelle. At this point Im sick and tired and tried numerous times and want to attempt a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest is reporting an alleged deficiency balance of {$8800.00} for an auto loan that resulted in repossession. I dispute the accuracy and completeness of this account under both federal law and state commercial statutes.

Under the Uniform Commercial Code ( UCC 9-610, 9-611, and 9-616 ), Bridgecrest was required to provide : A complete post-sale accounting ( including date of repossession, date/method of sale, gross sale amount, deductions, and net deficiency calculation ).

Written notice of intent to sell prior to auction.

Bridgecrest has not produced evidence that these notices were sent and received. Failure to provide this documentation voids their right to claim any deficiency balance under applicable law.

Further, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) and 623 ( a ) ( 1 ) ( A ) ), Bridgecrest is obligated to ensure all furnished information is accurate and verifiable. Continued reporting of unverifiable or incomplete data constitutes willful noncompliance. This has caused harm to my credit standing, resulting in lost credit opportunities, increased interest rates, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft. Recently, I discovered that my personal information was used to conduct unauthorized transactions. In addition, multiple addresses have been registered under my name without my consent. Because of these fraudulent activities, there is now an internal block placed on my Equifax account, which has prevented me from accessing my credit report entirely. I am requesting that this internal block be removed immediately. I also urgently request that my address be updated as soon as possible to ensure that all my personal information is accurate and fully protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft. Recently, I discovered that my personal information was used to conduct unauthorized transactions. In addition, multiple addresses have been registered under my name without my consent. Because of these fraudulent activities, there is now an internal block placed on my Equifax account, which has prevented me from accessing my credit report entirely. I am requesting that this internal block be removed immediately. I also urgently request that my address be updated as soon as possible to ensure that all my personal information is accurate and fully protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Made my XX/XX/year>2025 XXXX XXXX payment to XXXX on XX/XX/XXXX, before loan servicing was transferred. Payment cleared my bank, but new servicer ( XXXX XXXXMr. Cooper ) says they havent received it and threatens late fees by XX/XX/XXXX. XXXX routes me to an automated Mr. Cooper system with no live help ; XXXX says they cant contact XXXX. Under RESPAs 60-day grace period, I should not be penalized. Need payment located, applied, and confirmation that no fees or negative credit reporting will occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: KY

Complaint narrative:
A company I worked for shut down XX/XX/ 2025. My old boss shut down his payroll and wrote me a check for {$2400.00} as my final paycheck. On the XXXX of XXXX I picked up my check and immediately cashed it through the online mobile app with US Bank. Usually when we cash a check with US Bank we get XXXX XXXX {$270.00} right away. The app said it would be deposited on XX/XX/2025. My wife called XX/XX/XXXX and asked why we didnt receive any funds soon as I deposited the check through the mobile app. They said theres nothing they can do and that the check is on hold. I checked my account around XXXX on XX/XX/XXXX and it says my check is now on hold till XX/XX/XXXX. I called again today and spoke to customer service asking why my check is now on hold longer. Customer service also said theres nothing they can do and that my check was still being hold for verification. I called my old boss and he told me the check already posted on his end.

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 2025-08-13 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$450.00}

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: MD

Complaint narrative:
The account was paid in full in XX/XX/year>2025, I received lien release and I sold the motorcycle XX/XX/year>2025. The debtor is still reporting late payments on a paid in full account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a vehicle from XXXX, financed through Bridgecrest, and received it in defective condition. Upon delivery, the vehicle had significant electrical and lighting issues that made it unsafe and unfit for normal use. 

Since the purchase, I have made three monthly payments of {$500.00} each, but the vehicle has been in repair facilities for practically the entirety of the three months I have owned it, leaving it unavailable for my use. It has been through three separate repair shops, yet the original defects remain unresolved.

This situation constitutes a breach of the implied warranty of merchantability because the vehicle was not in working condition at the time of sale and has never been fit for its intended purpose. I also believe this arrangement reflects an unfair and abusive lending practice, as I am being compelled to pay for a non-operational vehicle that was misrepresented at the point of sale.

My states lemon laws do not apply due to the nature of this transaction. I am requesting full loan cancellation, reimbursement of payments already made, and removal of any negative credit reporting related to this account. I am also requesting that the CFPB investigate Bridgecrest and XXXX for potential violations of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report.

The original signed contract or application bearing my signature.

Any documentation used to verify the accounts validity.

The name and address of the original creditor.

A full explanation of how the account was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: OH

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

15 U.S.C 1681 section 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 a 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 to any 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 2025-08-13 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: FL

Complaint narrative:
Remove immediately the fraudulent credit inquiry listed below from my Equifax credit report. This inquiry is the result of identity theft and must be blocked under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I have already provided Equifax with my FTC Identity Theft Report XXXX. XXXX ) and a valid Police Report as proof. Federal law requires Equifax to block identity theftrelated information within four ( 4 ) business days of receiving such documentation, yet this inquiry remains on my file. 

Fraudulent Inquiry to Be Deleted Immediately : XXXXXXXX XXXX XXXX XXXXXX/XX/year> ) Violations by Equifax 15 U.S.C. 1681c-2 Failure to block identity theftrelated inquiries within the required timeframe. 

15 U.S.C. 1681b ( f ) No permissible purpose for this entity to access my credit file.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to reinvestigate and delete unverifiable information.

Harm Caused This unauthorized inquiry is harming my credit score, limiting my access to financing, and impacting my ability to purchase a home for my children. I have requested signed contracts or authorizations proving my consent, but over 60 days have passed without any documentation, confirming this inquiry is invalid. 

Conclusion : Equifaxs continued reporting of this fraudulent inquiry after receiving my FTC and police reports is a willful and negligent violation of the FCRA. I request that the CFPB investigate and require Equifax to comply with federal law by deleting this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XX/XX/year> {$20000.00} Bal ; XXXX written off, however I didn't get my 1099 although this was written off as a loss on Foursight Capital tax returns, but the 1099 should have been provided to me as cash received, therefore this should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-08-13 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$9500.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00}

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