vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: DE

Complaint narrative:
How finances up not updated my car loan payments since XX/XX/year> I am XXXX years into a XXXX year car loan on time never been late. They said theyre having system issues. They refused to update my payments. They last updated my loan in XX/XX/year>, which is adversely impacting my FICO my good credit standing like that the income ratio not decreasing my balance and they absolutely refuse to update my payments. Im in over four years of a six year loan and Ive never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: OH

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
Subject : Dispute of Late Payment Inaccuracy - Request for Investigation Consumer Dispute Under 15 U.S.C. 16811 Dear Sir/Madam, I am writing to formally dispute certain information in my credit report, which I believe to be inaccurate under 15 U.S.C. 16811 of the Fair Credit Reporting Act. Specifically, I am disputing the reported late payments on my accounts ), listed below. These late payments are either incorrect, incomplete, or require further verification. 
Below are the details of the account ( s ) in question : Creditor Name : Ally Financial I request that you investigate this matter as required under the Fair Credit Reporting Act ( FCRA ) and provide me with the results of the Investigation within 30 days, as stipulated by law. 

Please verify the following : Whether the payment was actually late for the dates in question. 
Whether any late payment was reported correctly. 
If the late payment was reported in error, I request that the item be corrected or removed from my credit report. 
If the information can not be verified as accurate, I request that it be deleted from my credit report in accordance with 15 U.S.C. 1681 ( a ) ( 5 ), which mandates the removal of unverifiable information. 
Please send me an updated copy of my credit report reflecting any corrections made as a result of this dispute. 

Enclosed are copies of relevant documents supporting my position including : Payment confirmations Please confirm receipt of this dispute and let me know if any additional information is required to facilitate your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
XXXX  is refusing to do proper investigation to update my credit history and then not allowing me to file a new dispute because they said I already file a dispute and already resolve the issue, but the issue was not resolved because I have proof that can show the payment was made, but that account was never updated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX 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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX 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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Some one scam my Regions bank account. I had opened up a checking and savings account. I'm reporting fraud and identity theft. A debt has been turned over to a collection agency. I want to protect my identity and keep people from scamming 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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts and inquiries associated with my personal information due to the recent data breaches. My Social Security number and personal identifiers have been exposed due to the data breaches. Please see attachments for phone bill and driver license to verify my identity. Also the identity theft report that list all accounts to be deleted in the attachment, and attachments showing proof for the several data breaches that have leaked my personal information.

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 2025-11-16 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: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I transfer money from my XXXX  into my XXXX account was not able to get the money out I don't have half of the XXXX features on my phone even though it says my account is good and verified won't allow me to send no amount of money at all it says unable to send money try again in a little while says in email I have a card coming when I talk to XXXX contact support they say I do not have a debit card coming I tried to put money to my bank debit card it will not allow me to it's been almost a week they don't tell me anything just there sorry and just hang up I need help thank you I don't want them to delete my account and say no money exist I do t want to get them mad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
I XXXX XXXX AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. THIS IS NOW MY THIRD REQUEST, AS MY PREVIOUS XXXX HAVE GONE UNANSWERED. 

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I purchased a new XXXX from Apple. At the time I was not offered the 0 % interest on the phone. I called XXXX XXXX to ask for the financing and was turned away. Next I just paid the full amount for the phone due to my frustration.I believe based off of my recorded call a supervisor called me to give me the financing. At this time I asked for a check for the amount ofXX/XX/XXXXI was assured that the credit refund balance was approved to be sent on XX/XX/year>. I waited and the check was not received by me. I noticed that a positive balance for $ XXXX was credited to my Apple XXXX. I was told that I would be getting the check by a supervisor and now the credit on the account. I was then coached to wait for the check during the next week and if it did not arrive to check-in with XX/XX/XXXXto investigate what happened to the check.I called back on XX/XX/year> to learn what happened to the return check.I immediately asked for a supervisor and was connected to XXXX ( XXXX XXXX XXXX XXXX XXXX After reviewing my account history she informed me that I had a positive credit on the account forXX/XX/XXXXXXXXI was told that I have the credit on the card and that this could be used to pay for the XXXX or use to purchase another product. I did not ask for the credit to be put on the card and this is what happened. I asked for the return check so then I could re-coup the money and make the monthly payments. The solve would be for them to take the credit off of my account, send me the check so that I can keep the money in my personal account. My last conversation with XXXXXX/XX/XXXX was that I will not receive the check and I would need to use the credit on the account to make the payments.I feel like XXXXXX/XX/XXXX is not living up to their word that assured me the return check. I would be happy to receive a call from your office to further give clarity on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX amount {$1400.00} i did not open this account. Identity theft

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
Acct : XXXX {$250.00} Reporting ONLY to XXXX  I am filing this complaint because I disputed this collection account with XXXX  XXXX XXXX and requested full debt validation, and they failed to provide a single legally required document under FDCPA 809 ( b ) or FCRA 611 ( a ). This account only reports to TransUnion, which is concerning because TransUnion has a long documented history of lawsuits and regulatory actions for inaccurate reporting, failure to verify accounts, reinsertion issues, and using incomplete or unverified furnisher data. XXXX did not supply the original XXXX XXXX XXXX billing statement, a signed agreement, an itemized breakdown of the alleged {$250.00} balance, the complete account history, the charge-off details, proof of legal assignment or ownership, or the required Metro 2compliant documentation supporting accuracy, completeness, and consistency. For a collection company to verify a debt, they must provide : ( 1 ) the original creditor agreement, ( 2 ) full billing and payment history, ( 3 ) proof of ownership/assignment, ( 4 ) itemized balance calculation, ( 5 ) date and amount of last payment, ( 6 ) chain of title, and ( 7 ) a method of verification. XXXX provided none of these items, which means they can not legally report or collect on this account. It has been well beyond the XXXX period required under FDCPA and FCRA, and at this point, even if they wanted to finally send documentation, it is too late because federal law prohibits continued reporting without validation. The only lawful resolution is immediate deletion of this account from all credit bureaus and written confirmation that it has been permanently removed and will not be reinserted, as XXXX failed to validate, failed to verify, and failed to comply with Metro 2 accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I disputed the KIKOFF charge-off with Equifax and requested full verification of the account, but Equifax did not provide any of the documentation required under FCRA 611 ( a ). For a charge-off to be verified, Equifax must obtain the original credit agreement, full account and payment history, the date of first delinquency, the charge-off details, a complete balance breakdown, proof that the furnisher owns the debt or is authorized to report it, and Metro 2compliant data showing accuracy and consistency. Equifax provided none of this. Instead, they simply marked the account as verified without supplying ANY supporting documentation, even though this bureau has a long history of lawsuits, consent orders, and federal investigations for improper verifications, inaccurate reporting, and failing to conduct real investigations. This makes the XXXX reporting a factual dispute because Equifax did not show how they verified anything and did not provide the legally required method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: FL

Complaint narrative:
Since XX/XX/year> unifin has text message me several times to contact them about a debt owed which I don't own any debt whatsoever. I want unifin to cease and desist from communicating through text messages ever again. This is a form of harassment and I will seek legal representation if it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NE

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. Account name : XXXX XXXX XXXX XXXX ACCOUNT XXXX, 2025 and noticed some things are incomplete and not accurate.And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
The Inaccurate Reporting Caused a Loan Denial On XX/XX/year>, I received a written adverse action notice from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IN XXXX The denial letter states I was denied due to : Serious delinquency / public record / collection filed Number of accounts with delinquency Time since derogatory or collection too recent My credit score listed was : Equifax : XXXX TransUnion : XXXX These negative items stem directly from the inaccurate accounts listed above. 

I suffered measurable harm including : Denial of financing Loss of opportunity Lower credit score Emotional and financial distress Under the FCRA, this qualifies as actual damages.

1. Four Accounts Reporting Incorrectly on My Credit Reports The following furnishers are reporting inaccurate, incomplete, or unvalidated information : XXXX. XXXX XXXX XXXX ( XXXX ) Reporting a collection account that is in active dispute. 
XXXX continued collection activity during the dispute ( letter dated XX/XX/year> ). 
XXXX has not validated the debt. 
XXXX. XXXX XXXX, XXXX XXXX an account with inconsistent dates, balances, and statuses across bureaus. 
No proper validation provided after dispute. 
Some information appears outdated or unverifiable. 
XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Reporting contradictory information across bureaus ( balances, limits, high credit ). 
Furnished data does not match TransUnionXXXX XXXX XXXX XXXX  uniformly. 
Account is disputed but continues to report as derogatory. 
XXXX XXXX XXXX XXXXXXXX Account information is inconsistent across all three reports. 
Some derogatory items should have been corrected or removed after the dispute. 

These inaccuracies violate FCRAs requirement of maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
Company : Upstart Issue : Deceptive approval process, improper credit pull, and unfair denial Complaint : Upstart informed me that I was approved for a loan and requested that I submit supporting documentation to finalize the process. Over the course of XXXX weeks, I uploaded every document they asked for. Their representatives repeatedly indicated I was approved and just needed to complete verification steps. 

After dragging out the process for XXXX weeks, they performed a hard inquiry on my credit. Immediately after the hard inquiry posted, they denied my application. They had me going back and forth submitting documents under the belief that the loan was approved and simply needed verification. This is deceptive, unfair, and misleading. 

Their communication implied the approval was already finalized, and only document confirmation remained. If I had been told I was not actually approved, I would not have continued the process or allowed a hard inquiry that negatively impacted my credit. 

This situation raises concerns under : FCRA improper or deceptive use of a hard credit inquiry and failure to provide clear adverse action reasoning UDAAP ( Consumer Financial Protection Act ) unfair and deceptive representations about my loan approval status TILA misleading presentation of loan approval terms I am requesting the CFPB to investigate Upstarts approval process, verify whether they misrepresented approval before underwriting was complete, and require them to remove the hard credit inquiry since it was obtained under false pretenses and caused credit harm. I also request a full explanation from Upstart regarding why I was told I was approved and then denied after weeks of back-and-forth documentation. 

Desired Resolution : Removal of the hard inquiry Review of their misleading approval/verification practices Written explanation and correction of any violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Im paying 28 % interest my The car fair market value is XXXX XXXX cant trade in or refinance because loan principle is not going down I owe XXXX and the transmission is going out. XXXX

Company response to consumer: Closed with explanation