vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was trying to apply for a car loan and the collections that are on my credit ( XXXX ) effected my process causing a denial. I then requested a dispute and re-investigation on XX/XX/year> for all threes debt collections which are ; XXXX XXXX ( opened XXXX ) with amount of {$270.00}, Credit Systems INTER ( opened XXXX XXXX ) amount of {$480.00}, XXXX XXXX XXXX XXXX ( opened XXXX XXXX ) with amount of {$620.00}, XXXX XXXX ( opened XXXX XXXX ) amount of {$690.00} ). After waiting for the results, the results of the dispute and re-investigation came back with no verification and unknown. 

According to 15 USC 1692c you have violated my rights with unlawful communications. Please remove this off my credit report on all three credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I was trying to apply for a car loan and the collections that are on my credit ( XXXX ) effected my process causing a denial. I then requested a dispute and re-investigation on XX/XX/ for all threes debt collections which are ; XXXX XXXX ( opened XXXX ) with amount of {$270.00}, XXXX XXXX XXXX ( opened XXXX XXXX ) amount of {$480.00}, Caine & Weiner XXXX ( opened XXXX XXXX ) with amount of {$620.00}, XXXX XXXX ( opened XXXX XXXX ) amount of {$690.00} ). After waiting for the results, the results of the dispute and re-investigation came back with no verification and unknown. 

According to 15 USC 1692c you have violated my rights with unlawful communications. Please remove this off my credit report on all three credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX i was in need to withdrawl funds, i drove to PNC bank and went to XXXX XXXX thru teller. I requested a withdrawl slip and tried to get XXXX out, sent withdrawl slip back with my Identification and my PNC debit card. The bank teller who i believe name was XXXX, told me that there was a problem and i needed to come inside, i asked what was the problem and she shut the screen off, i waited for a couple min for her to come back on before going inside the bank. When i made it inside the bank i was greeted by another lady whom i dont remmber her name, she told me that i needed to sit down with her for 15 min because my deposit required a signature verification. I explained to her and showed her that i had my identification and my debit card and that i never had this problem before. I stated that i did not have time to sit down for a verification and i just want to recieve my funds like i usually do. I asked her if i went to another PNC bank would i have this problem. XXXX then stated that No i wouldnt have this problem if i wemt to another PNC bank because they probably would trust me. At this point i felt racially profiled as the bank was occupied and i was totally embarassed. I left and called my girlfriend she left work called PNC and asked them why they did it they have no explanation. I called PNC customer service and placed a complaint, while on the phone with the customer service they eventually ended up contacting a regional manager. The customer service agent then prompted me to go inside and talk to the regional manager, i stayed on the phone until i made contact with her. I explained my situation to the regional manager in the back office she then explained to me that her workers where in the wrong and XXXX happens to be the manager. The regional manager then told me i didnt even need my id for a withdrawl under XXXX which before she came they purposely avoided telling me this. I made withdrawl after the regional manager explanation but left the bank feeling racially profiled and embarassed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I noticed some inaccuracieson my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciateit if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigateand update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issuesdown the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: OK

Complaint narrative:
I've had issues receiving communications both bot-dialed, recorded voicemails and text messages for services allegedly performed for someone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been there. Nobody I know has ever been there. It is in another state, and I have told them several times and placed requests to disassociate my phone number to the account they have. Now a debt collector is reaching out to me about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
On XX/XX/year> I was admitted XXXX XXXX XXXX 's of XXXX to have emergency XXXX XXXX XXXX. I was in the hospital until the morning of XX/XX/year> and it was on that date, I had discovered that close to {$9000.00} was stolen out of my account by somebody using the virtual debit card that current provides via XXXX pay. All of said transactions were to a merchant by XXXX for total of XXXX transactions between XX/XX/year> and the XXXX XXXX  XXXX. I had immediately reached out to current customer service via chat and inform them of this theft and was given the runaround during a three day period trying to get all of them the disputes listed. It took them less than a week to deny every single claim only to tell me that I needed to file an appeal. I had provided a statement for my XXXX  my discharge summary as well as email conversations between me and the merchant where the merchant blatantly admitted that their security verification process has loopholes in it basically. Current opened an appeal basically telling me 45 days minimum. I requested all the documentation as to how they came up with their decision to deny my claims and they have provided me nothing at all they keep giving me again the runaround and directing me to the same notices that I've already received the state nothing as to specific reasons how they came to that decision etc. I provided the burden proof to verify and prove that I was not the one responsible for these charges and current is refusing to return my money or put in the work that is going to take to collect the money from this merchant on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts have been placed on my credit file without my knowledge or consent. These accounts are connected to the recent Equifax data breach, in which my personal information was compromised. 


The following accounts/inquiries are fraudulent and must be removed immediately : XXXX ) Creditor/Company : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX ) Creditor/Company : XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX XXXX ) Creditor/Company : XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX ) Creditor/Company : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX ) Creditor/Company : XXXX  XXXX Account Number : XXXX Date Opened : XXXX XXXX ) Creditor/Company : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Hard inquiries : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was sent a credit card from Citi Bank on XX/XX/year> with a letter dated XX/XX/year>. It is an account that was opened in my name. I never applied for the card.

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 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance Corporation and complaintant entered into a fraudulent auto loan AGREEMENT in XX/XX/XXXX, without advising that it is not a credited lender with the FDIC and manipulated borrower that it had to purchase GAP INSURANCE before processing the loan, per car dealership XXXX XXXX XXXX XXXX. The parties payment agreement amount is ( {$470.00} ) per month. On XX/XX/XXXX lender repossessed the vehicle after two months payment, complainant redeemed the vehicle after ( 8 ) hours at {$950.00}, plus paid {$250.00} for towing release fee. 
Since XX/XX/XXXX, Credit Acceptance has not applied the monthly payments to the loan, but rather to the interest only, and has now advised complainant that it owes {$3000.00}! 
Credit Acceptance is in violation of the TRUTH AND LENDING ACT 1968 ( TILA ), where it requires lenders to disclose loan terms and costs, also provides borrowers with the right to cancel certain transactions. The complainant advised Credit Acceptance of its right to remove the XXXX XXXX and issue a credit, Credit Acceptance removed it and reapplied it back to the loan. 
PER FEDERAL COMPTROLLER AND FDIC, CREDIT ACCEPTANCE IS NOT A BANK AND THEREFORE, NOT ENTITLED TO CONDUCT BUSINESS AS SUCH, AND HAS MISLED THE COMPLAINANT. 

Complaintant entered into a bi-weekly payment plan in XXXX and has made bi-weekly payments of {$240.00}, totalling {$480.00}, out of which none of the payments reflect in tge balance of the debt. This is PREDATORY LENDING AND FRAUD!

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 2025-09-29 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( XXXX  ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( XXXX ), XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQ - EXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On [ XX/XX/2025 ], I received a legitimate XXXX payment of {$500.00} from [ XXXX XXXX XXXX ] for services rendered. 

On [ XX/XX/2025 ], my bank, [ ally ], debited {$500.00} from my account without my authorization, reversing the transaction. 

I immediately contacted my bank to inquire about this debit. The official response I received, both over the phone and in written communication, was that they acted " at the request of the sender 's financial institution, '' which had reported the transaction as an error or unauthorized. 

I am attaching as evidence the communication from my bank which states : " We returned the money to the sender and debited it from your account. '' This is incorrect and constitutes a fraudulent reversal. The transaction was a legitimate payment for a service. I have contacted the sender, who denies having requested the reversal. Furthermore, the sender claims that their own bank also denies having made such a request. 

This situation has created a deadlock where my bank debited the funds based on a request that another institution now denies having made. As a consumer, I am left harmed without any concrete proof of the alleged claim that justified the debit.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card Charge on my account that I did not make. Chase said they would research it. They reauthorize the charge Said that the vendor verified the charge. I told them I did not make this charge. They told me there was nothing they could do. I can not locate the vendor. The vendor is XXXX XXXX XXXX There is no website matching this. There is a XXXX account by this name And I tried to contact them but to no effect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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