vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
b'I submitted complaint regarding my federal student loan account(s) currently or formerly serviced by Aidvantage, concerning:\n\tUnverified and potentially invalid loan balances;\n\tFailure to provide required legal documentation of indebtedness;\n\tInaccurate credit reporting; and\n\tViolations of federal privacy protections.\nI have formally requested that the servicer provide:\n\tA signed Master Promissory Note (MPN);\n\tA full chain of assignment or ownership from the Department of Education to the current servicer;\n\tA complete payment history and balance breakdown.\n\nDisputed Accounts:XXXXAccount Number\XXXX am also gravely concerned about the improper and unauthorized disclosure of my personal loan data, particularly in light of recent revelations involving the Department of Educations breach and the Default Oversight Group and Evaluation (DOGE). As reported, data was accessed or shared with third parties without borrower consent, possibly violating both the Family Educational Rights and Privacy Act (FERPA, 20 U.S.C.  1232g) and the Privacy Act of 1974 (5 U.S.C.  552a).\nI have not received any notification that my data was shared or exposed, nor was I given an opportunity to opt out or consent to the release of sensitive financial information to federal contractors or third parties.\n\nWhat I Am Requesting from the CFPB:\n\tA full investigation into the loan servicers failure to validate and substantiate the debt;\n\tImmediate correction or deletion of the inaccurately reported loan from all major credit bureaus;\n\tConfirmation that any unauthorized disclosures of my loan information are investigated, disclosed to me, and remediated in accordance with privacy law;\n\tPotential enforcement action against the loan servicer or Department of Education contractors who may be mishandling borrower data and violating federal regulations.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
CFPB COMPLAINT I am submitting this complaint to report multiple inaccurate, unverified, and unauthorized items being reported on my credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. These inaccuracies are causing me severe harm, denial of credit, higher interest rates, and emotional distress. I have no contractual relationship, no authorization, and no consent for these items to be reported. Despite my previous disputes, the credit bureaus have failed to properly investigate and delete these items as required by law. The following are the disputed items : XXXX XXXX XXXX, XXXX  XXXX Address Issue : This address does not belong to me, I have never resided at this location, and its presence on my report is causing confusion with accounts that are not mine. 
Law Violations : FCRA 604 ( a ) ( 2 ), 607 ( b ) failure to ensure maximum possible accuracy ; reporting unverifiable personal identifying information. 
Story : This incorrect address is being linked to fraudulent or mistaken identity accounts that damage my credit reputation. The continued reporting despite my prior dispute proves a failure of reasonable procedures as required by federal law. 
XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Address Issue : This is a completely unrelated location to my identity and has never been associated with my legal residence or financial activity. 
Law Violations : FCRA 607 ( b ), 611 ( a ) failure to delete unverifiable and disputed address information after notice. 
Story : This address has no connection to me, yet its presence creates false association with potential negative records, lowering my creditworthiness and violating my rights to accurate reporting. 
These items are being reported without proper verification, documentation, or permissible purpose. Under the FCRA, the credit reporting agencies and furnishers are required to conduct a reasonable investigation, delete any unverifiable information, and provide me with the method of verification. The continued reporting of these inaccurate and unverified items shows willful disregard for federal law. I am requesting immediate deletion of all the disputed addresses and the unauthorized inquiry from my credit reports. Failure to do so constitutes continued violation of my consumer rights and will result in further legal action and complaints to the CFPB, FTC, and State Attorney General.

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 2025-08-09 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: NC

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/year> Chase closed my account and took a $ {$52000.00} balance. When I called 13 times, I was told it was under review. My account was closed without notice. My military, VA, and Social Security checks were returned to sender. This put me in a horrible situation. I had no money to pay bills. I had to resort to paying bills with my credit cards. I am a Veteran of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am also on XXXX. 
I never received correspondence on the status of my money. It has been XXXX months. Calling has not resulted in any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
b"I am writing to file a formal complaint against Acima Leasing (also known as Acima Credit) for what I believe are deceptive and predatory business practices that caused me significant financial harm.\n\nI entered into a lease-to-own agreement with Acima under the impression that if I paid off the item within the 90-day early purchase option, I would avoid the excessive fees and interest that come with the full lease term.\n\nWhen I was nearing the end of the 90-day period, I submitted my second-to-last payment of $XXXX in good faith. To my shock and confusion, Acima reversed that payment without notice or explanation. As a result of the reversal, I was unable to complete the 90-day buyout window, and they subsequently charged me the full lease amountmore than 200% of the item's retail value.\n\nThis feels like a deliberate tactic designed to cause a missed payment that would force me out of the early purchase option and into a much more expensive and extended lease. I attempted to resolve the issue directly with Acima, but their customer service was evasive, unhelpful, and dismissive of my concerns. They insisted I now owed the full lease amount despite the fact that I had tried to pay on time.\n\nThis practice appears to be predatory, deceptive, and in violation of fair lending and consumer protection laws. It has not only cost me financially, but caused serious stress and frustration.\n\nI am requesting that the CFPB:\n\nInvestigate Acima's practices regarding payment reversals around the 90-day buyout window\n\nRequire them to honor early payoff agreements when customers attempt to make timely payments\n\nProvide restitution for overcharges based on manipulative lease terms\n\n\nPlease let me know if you need any documentation or transaction records. Im happy to provide evidence to support this claim.\n\nThank you for your time and consideration.\n\nSincerely, A husband and father of XXXX  children.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: UT

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ experian ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report XXXX : XXXX ), [ experian ] has claimed that the disputed accounts have been " verified. '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information. 15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ experian ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. I also believe that the actions of [ experian ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. Thank you for your prompt attention to this ongoing issue.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, 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 2025-08-09 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: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXXBridgecrest Acceptance Corporation . I paid a down payment of $ [ XXXX ] and have since made monthly payments totaling $ [ XXXX ]. 

The Retail Purchase Agreement and the XXXX XXXX XXXX promised a vehicle that was safe, in proper working condition, and covered against defects for 100 days or XXXX miles. However, since purchase, I have experienced [ list specific issuese.g., repeated mechanical defects, undisclosed problems, improper warranty service, misapplication of payments, or other breaches ]. 

Despite contacting the company multiple times, these issues have not been resolved. The vehicle has failed to perform as warranted and as required by implied warranties under state law, and Bridgecrest/XXXX  has not honored the full obligations outlined in the Limited Warranty and the contracts. 

Under the MagnusonMoss Warranty Act, the Truth in Lending Act, and applicable state consumer protection laws, I am entitled to relief. 

Desired resolution : 1. Option 1 : Transfer full ownership of the vehicle to me with no remaining balance owed. 
OR 2. Option 2 : Refund all money I have paid to date, including my down payment and all monthly payments, and I will return the vehicle. 

Given the contract terms and failure to meet warranty obligations, either resolution is fair, lawful, and necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am submitting this formal complaint regarding Equifax and Experian handling of my personal and financial information, which has resulted in both a data breach exposure and inaccurate credit reporting. 

As shown in the attached documentation, my personal information was compromised in the recent Equifax and Experian data breach. I have confirmed that my email address and personal details have been exposed in multiple breaches, putting me at heightened risk for identity theft and fraudulent activity.

Following this breach, my credit report now reflects 25 unauthorized hard inquiries that I did not approve or authorize. These inquiries are negatively impacting my credit score, which is an inaccurate and unfair representation
of my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), Equifax and Experian is obligated to ensure maximum possible accuracy in credit reporting and to remove unverifiable or unauthorized inquiries. Additionally, the Fair Credit Billing Act and other consumer protection laws safeguard my right to dispute inaccurate information and have it corrected promptly.

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 2025-08-09 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: MA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I made multiple formal written requests to XXXX and its parent entity, XXXX XXXX XXXX XXXX, for complete account documentation, including full payment history, transaction logs, internal account status change records, and verification of all credit bureau reporting under the Fair Credit Reporting Act ( FCRA ). These requests were either ignored, incompletely addressed, or responded to with contradictory and unverifiable data. 

Despite clear and documented notice of disputed accuracy, the company continued to furnish inaccurate information to all three major credit bureaus, constituting willful noncompliance under 15 U.S.C. 1681s-2 ( b ). Their actions caused repeated damage to my consumer credit file, impaired my ability to obtain financing, and imposed measurable emotional and financial burden. 

In addition, their counsel, XXXX XXXX XXXX, engaged in procedural evasion by providing partial or evasive responses to legitimate consumer verification requests. This has forced me to escalate the matter to the Massachusetts Attorney Generals Office, where a live dossier of evidence has already been filed and received. 

This pattern of non-response, inaccurate furnishing, and procedural obstruction demonstrates systemic disregard for FCRA obligations and consumer rights. I am requesting immediate CFPB intervention to compel full compliance from XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, including the production of all requested records, correction of all inaccurate credit reporting, and a written confirmation of compliance.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I made multiple formal written requests to XXXX and its parent entity, XXXX XXXX XXXX XXXX, for complete account documentation, including full payment history, transaction logs, internal account status change records, and verification of all credit bureau reporting under the Fair Credit Reporting Act ( FCRA ). These requests were either ignored, incompletely addressed, or responded to with contradictory and unverifiable data. 

Despite clear and documented notice of disputed accuracy, the company continued to furnish inaccurate information to all three major credit bureaus, constituting willful noncompliance under 15 U.S.C. 1681s-2 ( b ). Their actions caused repeated damage to my consumer credit file, impaired my ability to obtain financing, and imposed measurable emotional and financial burden. 

In addition, their counsel, XXXX XXXX XXXX, engaged in procedural evasion by providing partial or evasive responses to legitimate consumer verification requests. This has forced me to escalate the matter to the Massachusetts Attorney Generals Office, where a live dossier of evidence has already been filed and received. 

This pattern of non-response, inaccurate furnishing, and procedural obstruction demonstrates systemic disregard for FCRA obligations and consumer rights. I am requesting immediate CFPB intervention to compel full compliance from XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, including the production of all requested records, correction of all inaccurate credit reporting, and a written confirmation of compliance.

Company response to consumer: Closed with explanation