vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Account shows charge off I asked for my 1099 schedule C for tax purposes and was never provided with one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The bank doesnt approve my application because of the economic and loss trends also because of current and past frequency, public record and collection accounts, limited or no deposit or investment balances with us or affiliates one of our accounts open recently with the balance there are too many revolving increase on my credit file. This is my XXXX  score was XXXX. Also lack of recent installment loan information length of time account has been established. 

Every time I try to open an account, they take adverse action and it just says it is unable to provide me with the specific reason to why they take action

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 2025-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Dispute Statement : I am disputing the {$890.00} collection account reported by Credence Resource Management on behalf of XXXX XXXX XXXX. This debt is inaccurate and should not be on my credit report for the following reasons : XXXX. The account was closed and equipment was returned. I have proof from XXXX XXXX XXXX ( termination notice and equipment return letter ) showing that my XXXX  service was deactivated on XX/XX/year> and the XXXX equipment was returned by the required date ( XX/XX/year> ). XXXX XXXX XXXX acknowledged my account termination. 
XXXX. This charge is invalid. Despite providing confirmation, XXXX XXXX XXXX or its agent failed to properly update my account records and wrongfully referred it to collections. 
XXXX. Military status protection. I am currently an XXXX XXXX XXXX XXXX XXXX member. Under the Servicemembers Civil Relief Act ( SCRA ), I am entitled to certain protections, and this alleged debt originated prior to my enlistment. 

For these reasons, I request that this account be investigated, verified with the original creditor, and deleted from my credit file if it can not be validated with accurate documentation. 

Supporting documents ( XXXX XXXX XXXX  termination notice and equipment return letter ) are attached. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: CA

Complaint narrative:
I am a victim of identity theft. My credit report with Equifax  contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

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 2025-09-14 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: NC

Complaint narrative:
Equifax noted that they involuntarily repossed the vehicle when actually I voluntarily gave it back. 
Why are the credit bureaus allowed to report incorrect information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NM

Complaint narrative:
My account was closed, there saying that I didn't follow the terms of cash app but I did nothing wrong or illegal I'm trying to get my account back on and activated please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MI

Complaint narrative:
I have been trying to get these accounts off of my credit report for a while now. they are duplicate accounts, have different payments, hi balances and balance owed. The dept of education doesn't have the account as well. I was looking at Equifax and the payment history has all of a sudden disappeared. XXXX  themselves have changed the payment history to show they are the same. This is illegal stuff being done.XXXX XXXX and XXXX  XXXX were accured in the same year so they have been re-dated since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: City Enterprises, LLC
State: TN

Complaint narrative:
Upon review, this reporting contains serious inaccuracies and inconsistencies, including but not limited to : 1. Reporting of the account as both charge-off and closed without proper supporting documentation.

2. Remarks listed as Consumer disputes reinvestigation in progress, yet the information continues to be published without correction or deletion, despite my prior disputes.

3. Failure to provide verifiable documentation from the furnisher proving that the account is accurate, complete, and legally reportable under the Fair Credit Reporting Act ( FCRA ).

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, any consumer reporting agency or furnisher that negligently fails to comply with its obligations is liable for actual damages sustained by the consumer as a result of such failure. By continuing to report unverifiable and inaccurate information, XXXX  ( and the furnisher ) are in violation of their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

If this inaccurate reporting is not corrected or deleted within 30 days of receipt of this letter, I will have no choice but to pursue further remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals office, and seeking civil damages under 15 U.S.C. 1681o for negligent noncompliance.

Please consider this my final attempt to resolve this matter amicably. I expect written confirmation of the deletion or correction of this account within the timeframe mandated by law.

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 2025-09-14 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: VA

Complaint narrative:
I am formally disputing the XXXX XXXX account ( XXXX XXXX XXXX XXXX  ) that appears on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must report only accurate, complete, and verifiable information. This account fails that standard for the following reasons : XXXX. The account status is contradictory reported as Open with TransUnion and Experian, but Derogatory with Equifax. 

XXXX. The Date Last Active and Date of Last Payment are inconsistent across the bureaus ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), which makes the record unreliable and unverifiable. 

XXXX. The High Credit is listed as {$4500.00} while the reported balance is {$4600.00}, which is logically and factually impossible. 

XXXX. The payment status is reported as both XXXX XXXX  Days and Late XXXX Days. These discrepancies can not all be correct. 

XXXX. The payment history shows ongoing late marks ( XXXX ) reported repeatedly for extended periods, which constitutes unlawful re-aging of a single delinquency. 

Because of these material inaccuracies and contradictions, this account can not be verified or corrected under FCRA standards. I am demanding that this account be immediately deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: Lendmark Financial Services
State: GA

Complaint narrative:
1. XXXX XXXX XXXX {$140.00} ( XX/XX/XXXX ), XXXX XXXX  {$1200.00}, ( XXXX XXXX. 
XXXX XXXX {$430.00} ( XX/XX/XXXX ). All of these banks sold my information to 3rd party collection agencies. 
Lendmark Financial services closed my account with a {$0.00} balance. XX/XX/XXXX. And it's still showing as late payments with outstanding balances. All these accounts have been closed by these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
I explained that after a few months of thinking and sitting with my predatory terms of a 28 % percent loan, as well as the salesperson administering terrible communication and forceful convincing to buy gap coverage. Final deal which wasn't clear whatsoever ended up being XXXX with XXXX paid in interest over the life of the loan. {$40000.00} total to be paid on a used XXXX  lowest tier XXXX with no features and haven't been able to get the car inspected since I got it less than a year ago. This has been an absolute nightmare and I am certain Bridgecrest is a predatory lender and will be found and labeled as such in the near future. 

I have been taken advantage of and I feel like a fool. After losing my high paying job, my car payment hasn't been able to paid. Bridgecest assures me to make a payment when I can. I feel they are counting on the poorest of the poor like me to make good on their XXXX dollar loan interest payment. I AM ANGRY and this company should be put out of business and certified as a PREDATORY LENDER that exploits and shakes down the American car buyer. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: IL

Complaint narrative:
This letter concerns the following XXXX loan account # XXXX. 

TransUnion is reporting inaccurate and misleading derogatory late payment remark to a closed and paid XXXX student loan account. The account is closed and paid in full, yet TransUnion continues to report the inaccurate single late payment remark, which is harming my credit. TransUnion, XXXX  and XXXX  are all reporting inconsistent and inaccurate dates and remarks for this same late payment. Furthermore, XXXX no longer services federal student loans therefore the data being reported is outdated, inconsistent, and unverifiable. Under FCRA 607 ( b ), furnishers are required to follow reasonable procedures to ensure maximum possible accuracy. TransUnions  current negative remark reporting 90 days late in the month of XX/XX/2022 for this XXXX loan account violates FCRA 607 ( b ). Also, under 15 U.S.C. 1666b ( Truth in Lending Act ), payments must be credited on the date they are received. My payments were always made on time and were misapplied or misprocessed, therefore it should not have been reported as late to begin with. I request that you correct and update the derogatory late payment remark to reflect positive/paid as agreed.

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 2025-09-14 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:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 


Account Name : XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : 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 2025-09-14 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: VA

Complaint narrative:
I am formally disputing the XXXX XXXX account ( XXXX XXXX XXXX XXXX  ) that appears on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must report only accurate, complete, and verifiable information. This account fails that standard for the following reasons : XXXX. The account status is contradictory reported as Open with TransUnion and Experian, but Derogatory with Equifax. 

XXXX. The Date Last Active and Date of Last Payment are inconsistent across the bureaus ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ), which makes the record unreliable and unverifiable. 

XXXX. The High Credit is listed as {$4500.00} while the reported balance is {$4600.00}, which is logically and factually impossible. 

XXXX. The payment status is reported as both XXXX XXXX  Days and Late XXXX Days. These discrepancies can not all be correct. 

XXXX. The payment history shows ongoing late marks ( XXXX ) reported repeatedly for extended periods, which constitutes unlawful re-aging of a single delinquency. 

Because of these material inaccuracies and contradictions, this account can not be verified or corrected under FCRA standards. I am demanding that this account be immediately deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LAST OF XXXX XXXX Date : XX/XX/XXXX Re : Request for Security Freeze on My Credit File Dear Credit Bureau , I am formally requesting a security freeze ( credit freeze ) be placed on my credit file maintained by your agency in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605A.

This request is made to prevent unauthorized access, credit inquiries, or the opening of new credit accounts in my name without my express consent. 

Personal Information : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LAST OF Social Security Number : XXXX Date of Birth : XX/XX/XXXX My Demands : Place a credit freeze on my file immediately. 

Provide me with written confirmation and a PIN or password that must be used to lift or temporarily suspend the freeze in the future. 

Ensure no third party has access to my credit file without my express written authorization. 

Please process this request immediately and send confirmation to the address listed above. 


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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to my identity being stolen during the equifax data breach and the recent transunion data breach my credit has suffered irreparable damage and I would like the negative items erased

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: LA

Complaint narrative:
It will not let me send out money or receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information reporting on my credit file under the Account Information Being Disputed : - Creditor : XXXX XXXX XXXX XXXX - Account Number ( Last XXXX ) : XXXX - Status : Closed. {$90.00} past due as of XX/XX/XXXX - Balance : {$440.00} - Credit Limit : {$300.00} - Date Opened : XX/XX/XXXX - Closed by Credit Grantor 's Request Grounds for Deletion : 1. FCRA 611 - Information is inaccurate and unverifiable, including post-closure past due balance and inf 2. FCRA 602 ( A ) & 607 ( B ) - Inaccurate history and negligent reporting practices.

3. FCRA 605 - Derogatory data with improper verification.

4. FACTA 315 - Misuse of outdated/incomplete data.

5. FDCPA 807 - Potential false or misleading representation.

6. Metro 2 & E-Oscar Compliance - Improper reporting format.

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