vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that are currently reflected on my credit report, which I believe to be inaccurate and incomplete. Below is the breakdown of the accounts under dispute : Charged Off Accounts : 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 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 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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I purchased a bed from XXXX XXXX XXXX XXXX and was offered financing through Acima at the point of sale, by an Acima representative, XXXX, employed to work at that XXXX store. During the transaction, I was explicitly told by the Acima representative that the financing would be no interest, that I was preapproved for approximately {$4000.00}, and that my payments would be under {$300.00} per month. I clearly stated that I could not afford payments over {$300.00} per month and would not agree to anything above that amount. 

I was not allowed to review the lease agreement before it was executed. The Acima representative completed the process on my behalf and verbally assured me that the terms met what was discussed. Based on those representations, I agreed to proceed. 

After receiving the contract, I discovered that the actual lease terms were materially different from what I was told. The lease total is approximately {$9900.00}, with biweekly payments of about {$280.00} ( approximately {$560.00} per month ). Acima later stated that the only way to obtain a lower total amount ( approximately {$3900.00} ) would be to pay the full balance by XX/XX/year>. This payoff deadline and conditional requirement were never disclosed to me at the time of agreement and were not part of what I consented to. 

Once I became aware of the true terms, I immediately contacted Acima to dispute the lease. I informed them that the agreement involved material misrepresentation and that I had been denied the opportunity to review the contract. I requested rescission of the lease on the basis that I did not give informed consent to these terms. I also texted and called XXXX XXXX XXXX over XXXX weeks and got absolutely no response from him. 

Acima refused to acknowledge rescission, refused to address the validity of the contract, and refused to open a formal dispute. Instead, they repeatedly redirected me to early payoff options or told me to contact the retailer. I specifically requested that a dispute be opened due to misrepresentation, and Acima declined to do so. 

I am requesting rescission of the lease and unwinding of the transaction due to material misrepresentation and lack of informed consent. Had the true total cost, payment structure, and conditional payoff requirements been disclosed, I would not have agreed to this lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Larry H. Miller Group of Companies
State: MO

Complaint narrative:
My husband and I have been making payments to Prestige for our car loan. We were all caught up until XXXX. My husband set up a payment arrangement for XXXX because he thought that would be best. Prestige made the arrangement with my husband however began trying to collect the funds on XX/XX/year> 6 different times. This caused our account to become negative so when the XXXX came, they said we did not uphold our end of the agreement. They then began sending text messages and I have specifically told them NOT to call me during XXXX and XXXX since I am at work. I have copies of text messages where they refuse to communicate with me anymore and solely want to speak with XXXX. We told them we would pay on 1/2 both past due amounts and we would pay XXXX on the XXXX. We expressed that setting up an arrangement is not in our best interest as they have not kept their end of the bargain. We just want them to stop harassing us and allow us to pay our debt in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off and inquiries sections. These accounts appear to have incorrect or outdated information and need to be reviewed and corrected. 

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 XXXXXXXX

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We sent a check on XX/XX/year> for a bill due on XX/XX/year> for the full amount. We know this because we keep a detailed check register. Capital one says that they only received the check on XX/XX/year>, and charged us interest on the account ( they were able to waive the past due fee. ) We've been paying by check for the entire time we've had this account, and we've never had the USPS hold a check for four weeks for some reason. So, we think Capital One made a mistake, and that we are being charged for it. 

I've included a copy of the check register, which has the date, copy of the bill the check was for with the due date, and a printable version of the account as of now, with the interest charge and posting day of the check we sent highlighted. 

I am XXXX XXXX, an authorized user on my father 's account, XXXX XXXX, where this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported on my consumer credit report. 

I have reviewed my credit report and identified accounts that contain information that is incomplete, inaccurate, or can not be verified with documentation. I previously disputed these accounts directly with the furnishers and requested verification of the reported balances, delinquency history, and other material details used for credit reporting. 

To date, the information continues to be reported without documentation sufficient to substantiate its accuracy. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure maximum possible accuracy and to delete or correct information that can not be verified. 

I am requesting that the credit reporting agency conduct a reasonable reinvestigation and either verify the accuracy of the disputed information with proper documentation or remove the accounts from my credit report if they 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 explanation
Consumer complaint received 2025-12-23 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:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by a consumer reporting agency. On XXXX I submitted a valid FTC Identity Theft Affidavit and formal fraud block request generated through IdentityTheft.gov under FTC Report Number XXXX. The affidavit identified multiple accounts resulting from identity theft, including private student loans reported by XXXX, an installment sales contract reported by XXXX XXXXXXXX loan and credit accounts reported by XXXX and XXXX, a mobile account reported by XXXX, a collection XXXX by XXXX, and an XXXX loan reported by XXXX  The affidavit included a sworn statement under penalty of perjury and sufficient identifying information to trigger a mandatory fraud block under 15 USC 1681c-2.

Federal law required the consumer reporting agency to block the identified identity
-theft-related accounts within four business days of receipt. As of the date of this complaint, the accounts have not been blocked and continue to be reported on my consumer credit file. This failure constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft information to remain published beyond the statutory deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : 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 2025-12-23 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: ALLY FINANCIAL INC.
State: ND

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( XXXX ) that are incorrect : The following personal information is incorrect This is my formal dispute regarding multiple inaccuracies in my credit report. Previous disputes were, yet no meaningful corrections have been made. Under the FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( C ), I am demanding a reinvestigation consistent with Metro 2 reporting standards and maximum possible accuracy. 

Accounts in Dispute ( Metro 2 Noncompliance ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- This account has been illegally reinserted without proper notification and no proper communication, I was never been informed. I was never been late in making my payments it is totally inaccurate that I was late XX/XX/XXXX because this NEVER happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have my XXXX account with Optum Bank. For the past XXXX months I have been trying to access my account to reimburse myself {$910.00}. Every time I try and log onto my account I get a message that reads " Temporarily Unavailable We're sorry, we're experiencing a little trouble. 

We will be back shortly, but if you continue to see this error please contact customer service. 

Feel free to reload this page or head back to the homepage. '' In response to this, I have emailed the company XXXX times ( first email on XXXX, second on XX/XX/XXXX, third on XX/XX/XXXX ) I have also called the company XXXX times. The first time I called the rep said that the issue would be resolved in XXXX business days. I waited a full week and then called again when the issue persisted. This time the rep created a case and took my email and told me someone would reach out. This never happened. I called again today and confirmed that no one has looked at the issue at all and there were no updates. 

This is concerning as I am not able to access my money and I haven't been able to reimburse myself for some pretty significant medical costs for over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I keep pointing out illegal contract langauge attached to the Holder Rule Notice in my loan contract. Navient will not comment on it. I am requesting that they provide a pdf version of the loan contract with call outs specifically to the page that the Holder Rule Notice appears. I am also requesting they provide the identity of the current noteholder, if applicable the specific name of the abs or slabs trust the loan was deposited in, chain of title and if applicable the cusip number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your 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 2025-12-23 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: GA

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts listed under Charged-Off Accounts and Inquiries in my credit report. I request that these accounts be properly verified or removed if found to be inaccurate, incomplete, or unverifiable, as per the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX & XXXX Account XXXX : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} Inquiries : XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
On or about XX/XX/XXXX, and again on or about XX/XX/XXXX, I reviewed my credit report and identified inaccurate personal identifying information being reported on my credit file. This includes incorrect name variations, an invalid Social Security number fragment, and address information that does not belong to me. 

After identifying these inaccuracies, I previously requested review and correction of the incorrect personal information through standard credit reporting dispute channels. Despite these requests, the inaccurate personal identifying information has continued to appear on my credit report from XX/XX/XXXX through XX/XX/XXXX. 

The continued reporting of incorrect personal identifiers over this period creates a risk of mixed-file reporting and indicates a failure to maintain reasonable procedures to assure maximum possible accuracy, as well as a failure to conduct a reasonable reinvestigation. I am requesting removal of all inaccurate personal identifying information, correction of my credit file to reflect only accurate information, and written confirmation that a proper reinvestigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: OH

Complaint narrative:
b'I have filed with a debt consolidation company XXXX XXXX. Lendmark continues to call my family, work etc about this.    Phone numbers:  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for unlawful debt reporting and inaccurate credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), as well as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX is reporting an alleged collection account with a balance of {$420.00} on my XXXX XXXX XXXX XXXX  credit reports. The account number is XXXX. This account does not belong to me. I have no knowledge of this account, I never entered into any agreement with XXXX XXXX XXXX or any original creditor, and the account belongs to someone with the same or a similar name. 

On XX/XX/year>, I sent XXXX XXXX XXXX a XXXX dispute and demand for validation via certified mail. This letter formally disputed the alleged debt in its entirety and requested full validation, including original creditor identification, a signed contract, and complete payment history. To date, XXXX XXXX XXXX has failed to respond or provide any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I am disputing the accuracy of the following account listed under the charged-off section. The account appears to contain incorrect information regarding the balance or status. Please review and amend this entry. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX Late Payments : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief