vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: LA

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
Yesterday XXXX XXXX XXXX XXXX XXXX I made a {$100.00} deposit at a First Interstate Bank ATM in XXXXXXXX XXXX into my First Interstate checking account. I have the receipt for the transaction. It did not post yesterday or today so I called the bank customer service number at XXXX a.m. today Monday XX/XX/year> and spoke with a customer service rep who told me there has been system maintenance and they were working on the issues and that it should be resolved in a few hours. It is now XXXX p.m. on XX/XX/year> and it still has not posted so I spoke online with a chat representative who said there is a system maintenance going on and updates.I told the chat rep that maintenance and updates do not take this long and tell me what is really going on here i.e. the bank has been hacked?? This person so it was not a hack. It does not take over XXXX hours for a major financial institution to have maintenance for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-11 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX i have purchased western union money orders to make payments to XXXX XXXX XXXX XXXX After fraud and forced closed account by XXXX XXXX XXXX XXXX XXXX fraudelent transfers, unauthorized access and activity since conducting business with XXXX XXXX XXXX XXXX XXXX i considered it safer to pay with money orders due to the establishment utilizing my card without my permission XX/XX/XXXX. This activity has disturbed my peace because not only was the unauthorized activity for fraudelent transactions withdrawing about XXXX from my account. I did not get my money back from XXXX XXXX XXXX XXXX with a negative reputation which will affect me. My account was closed and never made right by XXXX to do the right thing and being fair to investigate the issue. If this was a fair outcome XXXX would have noticed the XXXX XXXX parent company for XXXX XXXX XXXX money processors had a total of XXXX debits on XX/XX/XXXX leaving me alone and vulnerable to be had by corrupt behavior. Even though i immediately expressed my concern for the transaction. When it happened. Now this is even more egregious to purchase XXXX money orders totaling {$6000.00} snd its not applied or credited that i have purchased. This was not a donation. The money orders was cashed by XXXX XXXX XXXX XXXX who claims to be XXXX affiliated to be excused from being reprimanded for criminal activity. XXXX XXXX XXXX XXXX can not produce the legal steps taken proving the Tribal Membership instead they " XXXX XXXX XXXX XXXX '' is disrespecrful to the tribal nation having the XXXX of deception which is far from us. I speak from dna proven born by blood. There is no robbery in the mind of XXXX XXXX XXXX XXXX XXXX Not a affiliation!! This is going to caused these people to stalk and follow me to intimidate me. But I fear not!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation regarding a loan they financed for a XXXX XXXX XXXX purchased on XX/XX/XXXX. The total amount financed was {$15000.00}, with an APR of 22.99 %, and the total payment obligation was {$28000.00}. 

My vehicle was later totaled while I had no active auto insurance. I discovered that Guaranteed Auto Protection ( GAP ) coverage had never been offered, disclosed, or explained at the time of purchase. Both the buyer and lender versions of my Retail Installment Contract clearly show the GAP section marked NOT PURCHASED DO NOT SIGN, with no signature or acknowledgment. I was not aware of GAP nor given the opportunity to accept or decline it in writing. 

I submitted multiple written disputes requesting validation and deletion of the reported deficiency balance ( approximately {$18000.00} ), but received a templated denial from their legal team that ignored the core issue of GAP non-disclosure. They continue to report the debt to credit bureaus as 180+ days late, which violates XXXX XXXX, FDCPA, and FCRA guidance for disputed accounts. 

Credit Acceptance is deflecting all responsibility to the dealership, even though they financed the loan and have an obligation to verify optional coverage products that materially affect a borrowers risk. The lack of GAP coverage, paired with a predatory APR and no insurance verification, left me in financial ruin. 

I am requesting that CFPB : Investigate their practices around GAP non-disclosure Order immediate deletion of this tradeline from all credit bureaus Prevent further collection of this unlawful deficiency Pursue penalties or corrective action if regulatory violations occurred

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
I purchased the car XX/XX/XXXX. My first payment was due XX/XX/XXXX, but neither the dealer nor the lender ( UpStart ) provided me with information on how to make a payment on my loan prior to XX/XX/XXXX. I made an account online could not access the account dashboard or view my payment options. I called upstart over XXXX times between XXXX and XX/XX/XXXX with no resolution other than to send in a money order - which I finally did do because I didnt want it to affect my credit further. As it stands I still have no access to this account or way to pay other than to pay for an over night delivery of a check with my payment. Its unsettling to me because my credit is now lower by XXXX points due to their negligence - they admitting several other customers have had issues accessing their payments, but can not provide any solution. They mentioned that they would assist in correcting the markings against my credit, but Im very concerned and do not want this to remain an issue long term.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received a {$50.00} American Express Gift Card on XX/XX/XXXX as a birthday present, but I am unable to use it anywhere. Every time I try to use the card, either online or in person, the card gets declined. I called AmEx customer service to see where the card is accepted and they could not tell me. They told me to just try to use it in person, but the card is made to be used online. I shouldn't have to always try to go in person, but when I do, it doesn't work. I don't want the card to just sit in my wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
The OneMain account on my credit report is listed as charged off/ written off as of XX/XX/year>. I requested a copy of the 1099C form, but I never received it. The account balance has been reported incorrectly as {$14000.00} at the time of the charge off when it should be XXXX. OneMain then sold my information to XXXX XXXX XXXX, who created another trade line on my consumer report for the same debt as a collection account making them appear as 2 different accounts. I have never entered into a contract with XXXX XXXX XXXX and do not owe any money to XXXX XXXX XXXX. This inaccurate information has significant negative impact on my consumer report and credit worthiness and was reported fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This collection has been closed and removed, but it is still being reported on my credit report through my XXXX account. Although it is not on my credit report, it is still showing collections being reported. It needs to be removed and updated, but I am unsure of how to resolve this issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-11 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I got a hard inquiry notification on my XXXX  account from Barclays Bank Delaware and a hard inquiry on my XXXX  Report from XXXX. 
I have not tried to open any recent credit cards this year. This inquiry is not from me.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to ask for your help resolving a serious issue with Comenity Capital Bank regarding my XXXX - XXXX account ( ending in XXXX ). I have attached supporting documentation, including their written payment plan agreement, proof of my ongoing payments, and my credit report showing damaging and inaccurate entries. 

In XX/XX/XXXX, Comenity Capital sent me written confirmation for a payment plan on my account, which I followed exactly. Despite making every scheduled payment, Comenity began reporting my account delinquent starting XX/XX/XXXX, and the severity of those negative entries increased each month. By XX/XX/XXXX, they reported my account as fully charged off. I acted in good faith and upheld the agreement. 

This now reflected as multiple late payments and a charge-off on my credit report, causing lasting damage to my financial reputation. Despite my ongoing compliance with the payment plan and my repeated attempts to resolve the issues directly, Comenity offered no explanation for stopping the plan or for the ongoing reporting of delinquency. Additionally, I have never received written proof of the debt, such as the agreement with my signature. 

Given the written proof of payment arrangement, my documented payments, and the pattern of inaccurate reporting ( starting in XX/XX/XXXX and leading to a full charge-off reported in XX/XX/XXXX ), I am respectfully requesting that the CFPB investigate Comenity Capital 's actions. I ask that you require Comenity Capital to provide written validation of the original debt, including documentation with my signature, and to correct the inaccurate and harmful credit reporting if they can not produce valid proof. 

This situation has unnecessarily harmed my credit and caused great XXXX. Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate, incomplete, and unauthorized information that violates the Fair Credit Reporting Act. There are unauthorized hard inquiries, incorrect personal information, and unverifiable accounts reporting on my file. These errors are in direct violation of 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of all information included in consumer reports. They also violate 15 USC 1681i ( a ), which requires consumer reporting agencies to promptly reinvestigate any disputed items. I did not give permission to any of the companies listed to access my credit file or make hard inquiries. Their actions are a violation of 15 USC 1681b ( c ), which outlines permissible purposes for accessing consumer reports. You have failed to perform proper due diligence in confirming that the information being reported is 100 percent accurate. This negligence has caused unnecessary damage to my credit profile and is a breach of my rights under federal law. As a victim of the Equifax data breach, I have received alerts indicating that my personal information was exposed on the dark web. I believe these violations may be linked to identity theft and the misuse of my personal data as a result of that breach. This puts me at even greater risk and demands immediate action. I have attached a copy of my drivers license, utility bill, and Social Security card for identity verification. I am demanding the immediate deletion of all unauthorized inquiries, the removal of incorrect personal information, and the deletion of unverifiable accounts. Any failure to address this matter will be viewed as willful noncompliance and a violation of federal law. This complaint is supported by case law including XXXX XXXX XXXX  XXXX, where the court affirmed the duty of credit reporting agencies to conduct a reasonable and thorough investigation when a consumer raises a dispute. LIST OF ALL ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the collection account that XXXX  is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation