vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
Dear CFPB Representative, Thank you for providing the results of Equifaxs, Trans Union, Experian investigation into my complaint regarding inaccurate items appearing on my credit report. 

While I acknowledge receipt of Equifaxs Trans Union and Experian response, I must respectfully reiterate that the accounts in question reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX do not belong to me and are being inaccurately attributed to my credit profile. 

Despite Equifaxs Trans Union and Experian claim that these items have been verified, I have not received any supporting documentation that proves I have a legal or financial responsibility for these debts. Simply stating that the accounts have been verified without providing evidence or proper validation does not satisfy the requirements under the Fair Credit Reporting Act ( FCRA ).

I am requesting the following : 1. A reinvestigation into these accounts, with specific emphasis on how Equifax determined that these accounts belong to me.

2. Full validation and documentation from the furnishers ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) showing : A signed agreement or application; Transaction history showing my involvement ; Any identifying information linking me to these accounts ( e.g., ID verification, address history ). 
3. Immediate removal of these items if they can not be substantiated with concrete proof. 

I also request that Equifax, Trans Union, and Experian mark these accounts as disputed by consumer on my credit file during the reinvestigation process, as required by law. 

If this issue is not resolved adequately and within a reasonable timeframe, I am prepared to escalate the matter, including potential legal action for violations of the FCRA and FDCPA, should evidence of inaccurate reporting and failure to investigate be found. 

Please advise on the next steps for continuing this dispute through the CFPB process. I appreciate your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX North Carolina Attorney Generals Office Subject : Formal Complaint Against Auto Lender and Repossession Company Dear Sir or Madam, I am filing this complaint regarding my auto loan account and the conduct of both the lender and the repossession company. The following issues have occurred : Despite being fully current on my payments, I have been wrongfully told that I am delinquent. 

The lender unilaterally changed the interest rate on my loan without my knowledge or consent. 

During repossession, the company caused visible damage to the front of my vehicle. 

I have been subjected to ongoing harassment through repeated phone calls, text messages, and emails. 

These actions are inaccurate, unauthorized, and abusive. I request that your office investigate and take appropriate corrective action. 

I am attaching the following documentation in support of my complaint : Copies of my payment records showing I am current. 

A copy of the original loan agreement reflecting the correct interest rate. 

Photos of vehicle damage caused during repossession. 

Call/text/email logs showing harassment. 

Any notices or correspondence from the lender/repo company regarding delinquency claims. 

Thank you for your time and attention to this matter. I request acknowledgment of this complaint and a written response outlining the next steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-12 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains multiple inaccuracies that are actively harming my financial standing and causing significant personal distress. These errors have lowered my credit score and are preventing me from achieving financial stability. I will not accept misinformation on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: WV

Complaint narrative:
This is pertaining to a XXXX XXXX account and the account number is the one ending in XXXX supposedly. I have tried to have them remove this account for my credit because it is closed and been paid for by insurance. The last attempt I ended up receiving a letter on XX/XX/XXXX at 2025 is when it was printed from XXXX  XXXX. In this letter it states that we are pleased to inform you that your claim regarding the account balance on your XXXX XXXX has been resolved in my favor and they credited the account the amount of {$110.00}. This just proves that they know it should be removed from my account or my credit reports. And they put it back on the credit with that deduction trying to make it look like I paid on the account that is closed. I did not and in the information and proof that follows you will see this. They need to remove this account from my credit if nothing else a XXXX gesture of deletion since they know they're shaming 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
My student loan account was incorrectly reported as delinquent on XX/XX/year>, despite being placed into forbearance. The forbearance meant that I was not required to make payments during that period, and my account should not have been considered past due. Despite this, the servicer furnished negative information to the credit bureaus, which damaged my credit. 

Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act, this constitutes a billing error because the servicer failed to properly apply a credit/adjustment to my account ( the forbearance ) and then reported the account inaccurately. Section 1666 ( b ) requires that when such errors occur, the creditor must properly credit payments and adjustments and ensure accurate reporting. 

By reporting me as delinquent while I was under forbearance, the servicer failed to comply with its legal obligations. I am requesting that this error be corrected immediately and that the delinquency be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AR

Complaint narrative:
I inquired about a loan through the company & the next day noticed a deposit in my account. At the time, I was fine with it until I learned of the loan terms, interest rate, etc. They state I signed loan documents but all they could provide was a typed name which anyone could do. I offered a settlement amount yet they havent responded in XXXX months. They are charging illegal interest rates according to my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts currently appearing on my credit report that were never authorized by me. Their presence is misleading, damaging, and constitutes false reporting. These entries misrepresent my financial responsibility and harm my creditworthiness.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Offered a credit card with XXXX  months, no interest. Then, I noticed payments being taken from my account to the Citi bank card. The information received in the promotion is clearly misleading as I am being charged almost 30 % interest and when I complained, the credit limit was changed as well as monthly payments that should not exist. I was clearly scammed and when I called to verify the terms, the customer service assistant could not be clear due to a heavy accent and speaking fast. I want the card as set up with original advertised terms in their mailer.

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 2025-09-12 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-12 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Robinhood emailed me after locking my account on XX/XX/XXXX. My remaining positions were liquidated and sold on XX/XX/XXXX for {$5200.00}. Then on XX/XX/XXXX, {$5200.00} in funds were attempted to be withdrawn from Robinhood to my XXXX checking account ending in XXXX but that failed. Robinhood emailed me on XX/XX/XXXX again to say my Robinhood account is now closed. When I log into Robinhood, I now see my account has a negative balance of XXXX and am told I need to deposit funds to fix the deficit, but can not do so because the account is closed and those attempts to deposit fail. Robinhood has been charging interest on this negative balance, and on XX/XX/XXXX charged me {$0.00} in interest, adding it to the negative balance. Even though the account had {$5200.00} in funds, those are now seemingly missing. I would like my money back and for the negative balance to be explained and interest waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-12 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Alliance, Inc.
State: TX

Complaint narrative:
I withdrew from XXXXXXXX XXXX earlier this year and was verbally informed by a university representative that I had no outstanding balance and that my account was in good standing. 

Months later, I began receiving bills and collection notices regarding this same balance, which I was told did not exist at the time of my withdrawal. I have since disputed this collection with the credit company. They did provide documentation of the school balance amount ( {$1900.00} ). However, I believe this collection account reflects inaccurate and misleading information due to the university employees error, and it is unfairly damaging my credit score. I request that the CFPB investigate this matter and assist in ensuring that my credit report is corrected or that the collection agency consider removing the account in recognition of this error. 

I do not have written records of the verbal communication with the university and took the information I was given at the time in good faith and trust that the university employee was giving me accurate information so I continued to withdraw with the understanding that there was no balance on my account or would be if I withdrew. Had I known there would be a balance on my account I would have finished the term. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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