vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Early Warning Services, LLC
State: SC

Complaint narrative:
Dear Early Warning Services, I am writing to formally dispute inaccurate information that appears on my Early Warning Services consumer report. The account in question is being reported by XXXX XXXX XXXX, Account # XXXX, listed as Closed for Cause / Account Abuse with a negative balance of {$320.00} at closure. 
This information is inaccurate and misleading for the following reasons : The reported balance and account abuse designation are not accurate and do not reflect my banking history. 
The account does not accurately represent my responsibility or repayment history. 
No documentation has been provided to validate this account abuse classification. 
Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I am requesting that Early Warning Services conduct a reinvestigation of this item. If XXXX XXXX XXXX can not provide verified documentation proving the accuracy of this account and the account abuse notation, this item must be deleted from my file. 
Enclosed are copies of my identification and proof of address to assist with your investigation. 
Please provide me with the results of your reinvestigation within the time frame required by law ( 30 days ). If this account can not be fully verified, I respectfully demand its removal from my consumer file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
Subject : Complaint Regarding Bankruptcy Reporting in Violation of FCRA ( 15 U.S. Code 1681a ( 4 ) ) To Whom It May Concern, I am filing this formal complaint against XXXX, Experian, and XXXX  for the continued reporting of a bankruptcy on my credit file in a manner that I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, 15 U.S. Code 1681a ( 4 ) states that the purpose of the FCRA is to ensure fair and accurate reporting and protect consumers rights to privacy. The continued inclusion of my bankruptcy on my credit report is an unjustified invasion of my privacy, particularly considering that the U.S. Bankruptcy Court does not verify or furnish information directly to the credit reporting agencies ( CRAs ) or XXXX. 
Moreover, no permissible purpose exists for XXXX or these bureaus to continue reporting this derogatory information under 15 U.S. Code 1681b. The dissemination of this information serves no legitimate business need that outweighs my right to privacy, especially when the data 's source is not verified or updated by the court itself. 
Given the lack of verifiable, permissible purpose and the harm to my privacy and credit standing, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and instruct XXXX, Experian, and XXXX  to immediately remove the bankruptcy record from my credit report. 
Thank you for your 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 2025-09-23 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: MD

Complaint narrative:
Subject : Complaint Regarding Bankruptcy Reporting in Violation of FCRA ( 15 U.S. Code 1681a ( 4 ) ) To Whom It May Concern, I am filing this formal complaint against XXXX, XXXX, and Equifax for the continued reporting of a bankruptcy on my credit file in a manner that I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, 15 U.S. Code 1681a ( 4 ) states that the purpose of the FCRA is to ensure fair and accurate reporting and protect consumers rights to privacy. The continued inclusion of my bankruptcy on my credit report is an unjustified invasion of my privacy, particularly considering that the U.S. Bankruptcy Court does not verify or furnish information directly to the credit reporting agencies ( CRAs ) or XXXX. 
Moreover, no permissible purpose exists for XXXX or these bureaus to continue reporting this derogatory information under 15 U.S. Code 1681b. The dissemination of this information serves no legitimate business need that outweighs my right to privacy, especially when the data 's source is not verified or updated by the court itself. 
Given the lack of verifiable, permissible purpose and the harm to my privacy and credit standing, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and instruct XXXX, Experian, and Equifax to immediately remove the bankruptcy record from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
What happened : I attempted to temporarily lift my TransUnion security freeze so I could apply for credit. The online system directed me to call customer service. After holding for over XXXX minutes, I was hung up on. When I called back, I was told I could not lift my freeze because I have a dispute pending on my file. A supervisor confirmed this. 

This is unlawful. The Fair Credit Reporting Act ( 15 U.S.C. 1681c-1 ) requires credit reporting agencies to lift a freeze within XXXX hour of request online or by phone. A pending dispute does not remove my legal right to lift a freeze. TransUnions refusal has denied me access to credit. 

What I want : I want TransUnion to immediately honor my request to lift my security freeze, confirm this in writing, and ensure this unlawful practice is corrected so it does not happen again.

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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was told by the cashier at PNC Bank that I had to show a state id and a credit card or debit card to cash a check that was drawn on their back. I told the cashier that a debit card and a credit card are identification. They refused to cash my check. I was forced to provide my debit card along with my Indiana state id.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX, I was involved in a car accident where I was hit by an uninsured driver. The vehicle was totaled and was towed to a junkyard, where it was scrapped. My insurance company would not pay out due to not having " uninsured driver '' on my policy. 
Despite the vehicle no longer working and being scrapped, I am still required to make monthly payments of {$570.00} on the loan balance of approximately {$14000.00} as of now. I am essentially paying for scrap metal through no fault of my own since I was the victim of an uninsured driver. 
I have contacted Bridgecrest multiple times, back in XX/XX/XXXX, and now in XX/XX/XXXX, requesting information about settlement options, payment reduction programs, or loan modifications given these extraordinary circumstances. Each time I called, I was transferred between departments and told that no options were available to reduce payments or settle the loan. 
The company refuses to negotiate despite having XXXX collateral ( the vehicle was scrapped ) and me being the innocent victim of an uninsured driver. I am being forced to pay $ XXXX  monthly for a vehicle that literally no longer exists. This billing practice seems unreasonable, given that I am paying for something that was destroyed through no fault of my own. 
I am requesting assistance in getting Bridgecrest to offer reasonable settlement options or payment modifications for this unusual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashappbclosed my account last year suddenly, and when I reached out to see why it happened they told me they couldn't tell me. The communication with support was terrible and did not give me reasons as to why they closed my account or how I was able to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Complaint # XXXX - I am a confirmed victim of identity theft due to the Equifax data breach, where my personal information was compromised. Fraudulent accounts and inquiries have since appeared on my credit report without my authorization. I submitted a formal dispute with all required documents under the Fair Credit Reporting Act ( FCRA ) Section 605B, including proof of identity theft and confirmation from Equifax that my information was impacted. Per FCRA 605B, the credit bureaus are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. This law mandates immediate action. I am requesting the immediate deletion of these fraudulent accounts and inquiries. Failure to comply will result in legal escalation and enforcement under FCRA 616 & 617 for damages due to willful noncompliance. 

Complaint # XXXX - Child support obligations do not constitute an extension of credit, a consumer loan, or any form of consumer transaction as defined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( d ). The FCRA limits consumer reporting agencies to reporting information that bears on a consumers creditworthiness, credit standing, credit capacity, or mode of repayment of credit transactions. Courts have consistently held that obligations which are not the result of consensual credit transactions fall outside the scope of traditional credit reporting. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( explaining that the FCRA was enacted to ensure fair reporting in the context of credit-related transactions ). Child support is a statutory obligation imposed by family courts, not a consumer debt arising from a credit relationship, and therefore its reporting to consumer credit bureaus is both misleading and outside the permissible scope of 15 U.S.C. 1681b. Furthermore, misreporting such non-credit obligations as if they were traditional debt instruments is inherently inaccurate and violates the requirement under 15 U.S.C. 1681e ( b ) that consumer reporting agencies maintain maximum possible accuracy of information. On this basis, I demand deletion of the child support entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This is related to my previous compaint with Acima. In their response they blatantly lied saying that this was a lease. Their representative informed me that this was an in store loan with no interest. I do not lease furniture. Although I qualified for about {$3700.00}, before proceeding with the purchase, I confirmed with the representative, that I didnt need to take or be responsible for the entire {$3700.00}. I only wanted to pay for the cost of the chair which ended up costing about {$1600.00}, less than the loan qualified for. 
Long story short, aacima has failed to provide me with the final reciept of my paid in full and continues to harrass me with unsolicited emails and fphone calls for a product and loan that has been paid in full. 
I would like for acima to provide me a copy showing the final paid in full reciept and to stop contacting me for mony I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The vehicle was repossessed, they took the vehicle to a auction where the vehicle have been sold. Then they had sold my information to a credit company who i did authorized to have my personal information or cell phone number in they are constantly calling in texting my phone. In i cant even get a place to stay or a car because i have this on my credit as a repossession in i reach out in no one have replied back to me. In i want this deleted off my credit in for the credit who i didnt authorized my personal information to too delete my information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected 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 2025-09-23 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: NY

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplian
ce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplian
ce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: TX

Complaint narrative:
I was staying in some apartments that was based off my income.I started working and was told that if I wanted to stay in the unit that my rent would go up substantially.even though I informed management at the time that it was a temporary job for only six months.so she said I either sign the contract or move.so she kept calling the job that I was at pestering about signing and I told her that Im just go ahead and give them their apartment because I cant afford $ 1400 monthly.she said okay and I have her an intent to move and I went and stayed with my son.Three or four months later, I received a call from a constable wanting to know if I wanted anything out the apartment and I explained that I had moved months prior.and he asked did I notify management and I said yes.and he told me that they had been charging me rent and filed eviction on me.unknown to me.The management team changes like every four to five months and no one can ever find paperwork that is needed

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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