vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
Good Evening, My name is XXXX XXXX, and I am requesting immediate assistance with a matter that has not been resolved despite multiple chats via the app and calls with the Resolutions Department. 

I began my lease on XX/XX/year>, through XXXX. The largest expense under this lease was a set of XXXX XXXX purchased through XXXX. These tires were never delivered, as they were lost in shipping. 

On XX/XX/year>, XXXX confirmed and initiated a refund in the amount of {$1200.00} to the virtual credit card used for this transaction. I have attached a screenshot of XXXX confirmation message for your records. This refund should have been credited toward the balance of my lease. As I never received the tires, I should not be responsible for this charge. 

Despite repeated attempts to obtain clarification, this credit has not been applied. Additionally, on XX/XX/year>, I submitted an ACH revocation, yet Acima has continued to debit my account without any explanation or acknowledgment of the missing refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
Subject : Urgent Follow-Up on Credit Report Dispute XXXX XXXX XXXX Bank Account Ending XXXX To Whom It May Concern, I am following up regarding my dispute of the XX/XX/XXXX late payment reported on my XXXX XXXX XXXX Bank credit card account ending in XXXX. 

Below is a timeline of due dates, payment posting dates, and days past due : XX/XX/XXXX : Due XX/XX/XXXX Payment Posted XX/XX/XXXX Days Past Due 30 Paid late XX/XX/XXXX : Due XX/XX/XXXX Payment Posted XX/XX/XXXX Days Past Due XXXX Paid on time XX/XX/XXXX : Due XX/XX/XXXX Payment Scheduled XX/XX/XXXX, Posted XX/XX/XXXX Days Past Due 28 Paid in full ; account brought current before reaching 30 days past due Evidence : 1. XXXX Payment Receipt : {$840.00} payment from XXXXXXXX XXXX Account * XXXX on XX/XX/XXXX, scheduled for delivery by XX/XX/XXXX, Confirmation # XXXX. 
2. Bank Posting Record : ACH debit for {$840.00} posted on XX/XX/XXXX ( Credit Card XXXX, Balance {$860.00} ). 
3. Billing statements showing due dates and minimum amounts. 

As confirmed by the payment receipt and ACH posting, the XX/XX/XXXX payment was initiated and applied before reaching 30 days past due, which is below the threshold required under the Fair Credit Reporting Act ( FCRA ) for reporting a late payment. Therefore, the reporting of this payment as late is factually incorrect and inconsistent with FCRA rules. 

This account has been held in good standing for over a decade, and this isolated payment does not reflect my consistent history of on-time payments. USAAs own records confirm the payment posting date, further verifying that the late reporting was premature and inaccurate. 

I request that Equifax, XXXX XXXX XXXX conduct a thorough investigation and remove the inaccurate XX/XX/XXXX late payment from my credit report. I also request written confirmation once the correction has been completed. 

Thank you for your prompt attention to this matter. 

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding the handling of my auto loan account. I made an advance payment of {$3000.00} with the understanding that it would reduce my principal balance and/or future interest charges. However, I was later informed that Santander still charged interest on the prepaid amount. 

This practice is misleading and unfair. An advance payment should lower the loan balance or reduce future interest, not generate additional charges. As a result, I have been subjected to improper interest charges and financial harm. 

I request that Santander : Correctly apply the {$3000.00} advance payment to reduce my loan balance. 

Refund or credit any improperly charged interest. 

Provide written confirmation of how future advance payments will be applied. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SC

Complaint narrative:
The late payment ( s ) on my account occurred while I was incarcerated, which made it impossible for me to manage my financial obligations at that time. Since my release, Ive taken steps to get back on track, including making timely payments and addressing past balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am submitting this formal statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unauthorized accounts being reported on my Experian credit file. On XX/XX/year>, I submitted a formal dispute to Experian regarding XXXX fraudulent accounts that do not belong to me, specifically with the furnishers XXXX XXXX ( Acct. No. XXXX ), XXXXXXXX XXXX ( Acct. No. XXXX ), and XXXX XXXX ( Acct. No. XXXX ). Despite my dispute, these accounts are still being reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days, or 45 days if additional information is provided, and pursuant to 1681i ( a ) ( 6 ) ( A ), to provide me with written results within 5 business days of completing their investigation. If Experian can not verify the accounts, they must delete them immediately. If Experian claims the accounts are verified, they must provide the furnishers full name, address, and telephone number, along with copies of all supporting documents relied upon.

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 2025-09-19 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: MI

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX XXXX. The account was included in my XXXX XXXX bankruptcy and has been discharged. However, the credit bureaus continue to report this account inaccurately and inconsistently.

1. The account shows a {$0.00} balance and Bankruptcy discharged, yet it is still reporting negative remarks.

2. Important data fields are missing no highest balance, no monthly payment, and no payment status, which makes the reporting incomplete. 
3. Payment history is inconsistent. It shows XXXX lates, but also lists only 46 % of payments on time, which is contradictory and misleading. 
4. Despite these errors, the bureaus previously claimed the account was verified. Under FCRA 611 ( a ) ( 7 ), I am requesting the Method of Verification who they verified with, how it was verified, and what documentation supports this.

Since the account is discharged and the information being furnished is incomplete and inaccurate, I am requesting that this account be deleted from my credit report if accurate verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Purchased mobile home from XXXX XXXX and signed a mortgage with My Grandmother as co buyer now mortgage information is not showing my name on mortgage XXXX XXXX isy name home was mortgaged through 21st Mortgage in XXXX  and placed at the residence XXXX XXXX XXXX somehow my name was removed from property while I was in prison and without my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint because Chime has wrongfully denied two of my disputes related to charges from XXXX XXXX XXXX and XXXX XXXX XXXX  apartments. 

I was wrongfully denied applications at these apartment complexes due to illegal and inaccurate debt being reported by XXXX XXXX XXXX XXXX XXXX who I have sent several cease and desists to and they have not acknowledged me. This was unfair tenant screening and I disputed both transactions because of this. 

The charges disputed were : XXXX XXXX XXXX : {$310.00} XXXX XXXX XXXX : {$50.00} I disputed both transactions on XX/XX/XXXX and received a temporary credit on XX/XX/XXXX for both transactions. The {$50.00} credit was reversed on XX/XX/XXXX as the dispute was denied by Chime The {$310.00} dispute was denied by chime on XX/XX/XXXX and upon calling chime, I requested documentation and proof showing why the dispute was denied and I never received information. 
I provided Chime with supporting documentation from XXXX XXXX XXXX that explicitly showed I would be refunded for charges that were assessed. 
Despite this, Chime denied my dispute, claiming the charges were valid. This is false and misleading, as I never received the refund that XXXX XXXX XXXX agreed to provide. 
Chime has ignored the evidence I submitted and failed to properly investigate my dispute, which is required under Regulation E ( Electronic Funds Transfer Act ). 
By refusing to credit my account and disregarding proof of refund from the merchant, Chime has caused me financial harm and stress. 

This is not the first time Chime has denied my disputes without a proper, fair investigation. I am requesting the CFPB review this matter and hold Chime accountable for : 1. Failing to follow the EFTA and Regulation E by conducting a reasonable investigation.

2. Denying my valid dispute even though the merchant acknowledged that I would be refunded.

3. Continuing a pattern of negligence toward consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Misclassifying this as an installment account is misleading and violates FCRA 607 ( b ).

DELETE FROM CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE, I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARGED.

WITHOUT PREJUDICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
Upstart reported my account XXXX as late, despite the fact that I paid the billed amount on time. Upstart claims that fees and other charges were deducted before applying my payment, which resulted in their system showing a shortage. These fees were never properly disclosed as part of my minimum due. 

Reporting me as late under these circumstances is inaccurate. My timely payment was misapplied, in violation of : FCRA 1681s-2 : Prohibits reporting information a furnisher knows is inaccurate.

TILA 1666b : Requires payments to be credited as of the date received and prohibits misapplication.

I request that the inaccurate late payment be removed from all credit bureaus ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I maintain that this entry is inconsistent with my payment habits and may have been reported in error. Kindly delete or correct it. The reported item misrepresents my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I was trying to open a crit line and notice i ha damage on my credit report. According to law 15 U.S.C. 1681 there should be no damage to my report it is a defamation to my character. please remove these accounts immediately.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX and XXXX I have tried to reach out to XXXX and XXXX law firm to acquire the verification of Debt. Out of the many times that I have called, I was put on a wait-list for a call back and no one did. When I finally got through to someone they sent me to a lady who was not there and I was sent to voicemail. I had no clue that my debt from Westlake Financial Services was given to a collector ( XXXX ) and that they gave it to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-19 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: TX

Complaint narrative:
Equifax has released my credit file without authorization or my knowledge to XXXX on a XX/XX/year>. This unauthorized credit inquiry needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TN

Complaint narrative:
I am a fraud victim and theses two addresses is not mines and is do to a credit breach and I have sent proof of address

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation