vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am writing to dispute certain information contained in my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are legally obligated to ensure that all information reported is accurate, complete, and verifiable.

This letter serves as formal notice that my file contains information that I believe is inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information. If the information can not be verified within 30 days, you must promptly delete it from my credit file.

I am not obligated to identify each disputed item ; the FCRA requires you to investigate any and all disputed information I bring to your attention. Please consider this letter as a dispute of all accounts, inquiries, or other entries in my file that can not be independently verified.

In accordance with your obligations under the FCRA : 1. Conduct a thorough reinvestigation of my credit file.

2. Remove any and all information that can not be verified within the statutory timeframe.

3. Provide me with written confirmation of the results of your reinvestigation and an updated copy of my credit report.

For verification of my identity, I have enclosed copies of my government-issued identification.

Please note that failure to comply with your obligations under the FCRA may constitute a violation of federal law, and I reserve the right to pursue further remedies as allowed under 15 U.S.C. 1681n and 1681o.

I expect full compliance within the timeframes required by law. Thank you for your prompt attention to this matter.

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 2025-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> an application was submitted to Capital One under my name and social security number without my knowledge. I was able to contact Capital One and have the action flagged as fraudulent. Capital One provided me with the date that the action happened but no other information about the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved from XXXX XXXX Apartments in XXXX of XXXX due to a rat infestation. Before I left I spoke to a leasing agent who told me I owe nothing, everything was in good standing, no damages, i properly gave my 60 day notice, and I had not even signed a lease for that year. I saw on my credit that the account was closed after i moved out, and now months later I have a debt collection from the XXXX XXXX XXXX for XXXX XXXX XXXX for a balance of {$3300.00}. When I left I owed nothing, i was never late paying rent, and regardless of rats I still gave no problems. It was said due to damages, but there were none when I left outside of the rats digging and biting holes in the walls. The property manager was very aware of the rats, so I feel that this charge should be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Fetzer Financial Group Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> United Consumer Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Debt Validation Request Alleged XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. 
You are hereby notified : XXXX. I do not acknowledge or accept this alleged debt as mine. 
XXXX. You must provide strict proof that United Consumer Financial has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature.

- A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated.

- Documentation showing when and how United Consumer Financial acquired this debt, and proof of assignment or transfer from the original creditor. 
- Evidence that this debt is within the statute of limitations for collection under state law. 
XXXX. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. 
Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. 
- I will use your failure to provide proper validation as part of my defense in court. 
- This letter serves as official notice that I will require all communications in writing only. 
You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. 
I expect a full written response within XXXX days of receipt of this letter. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
i lost my debit card with TD bank and had a checking account with them. My debit was lost and someone had charged it up over {$5000.00} including all the fee and now they said it was my responsibility to pay for it. They rejected my claim and I felt it was so unfair and unethical for me to pay for it. Please review and escalate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  responded to my complaint by stating that they placed this debt on behalf of a third-party company, XXXX XXXX XXXX, XXXX. They claim it stems from an XXXX XXXX XXXX  in XXXX, and that a notice was sent in XXXX. 

Thats not what this dispute is about. I am requesting legal validation of the debt, not a summary of what allegedly occurred. 

They still have not provided : A copy of any contract or agreement with my signature Proof that I agreed to have my personal information transferred to XXXX Documentation showing they have the legal right to collect or report this debt Evidence that a proper notice of assignment was sent and received They are reporting and collecting on an account without proper validation or consumer authorization. Thats a violation of both the FDCPA and FCRA. They also claimed they had never received a dispute, yet theyve been reporting for over a year without flagging the account as disputed until now which shows non-compliance.

This response does not prove anything other than a vague timeline. It does not answer the legal question : what gives XXXX the authority to report and collect on this account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made my first payment one day late ( due XX/XX/XXXX, I paid XX/XX/XXXX ) and they charged me a {$30.00} late fee on a total balance of {$370.00}. That is excessive. They made no attempts to contact me to tell me there was such a high fee for late payment.

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 monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
upon checking my XXXX report i have come across a bankruptcy thats reporting.im requesting for verification and validation of this item in question please provide me the removal of item from report letter due to its been deleted from XXXX.according to the FCRA the item thats reporting must be 100 % accurate if its not verifible then it should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Illegal reinsertion of collection account and repeated FCRA violations by credit bureaus and collectors. 


On XX/XX/XXXX, LVNV Funding LLC illegally reinserted a collection account onto my XXXX credit report without providing me with the legally required notice or verification under FCRA XXXX ( a ) ( XXXX ) ( B ). 

This same LVNV account was previously deleted from my credit report on XX/XX/XXXX, as proven by my attached documentation. Once deleted, a collection can not be re-reported unless full verification and written notice are provided to the consumer. XXXX  failed to notify me within XXXX business days of this reinsertion, violating the FCRA. 

Additional ongoing issues include : - XXXX continues to report this same LVNV account inaccurately despite prior disputes. 
- XXXX XXXX is reporting a collection account that is inaccurate and unverifiable. 
XXXX XXXX  and XXXX  have both failed to conduct proper investigations under FCRA XXXX ( a ). 

These actions have caused me financial harm, emotional distress, and denial of credit opportunities. I have spent considerable time and resources trying to resolve this through normal dispute processes, but the bureaus and collectors continue to violate federal law. 

* * Requested resolution : * * XXXX. Immediate deletion of the LVNV Funding account from all credit reports. 
XXXX. Full written explanation from XXXX  and XXXX detailing who verified these accounts and how. 
XXXX. Investigation into LVNV Funding and XXXX XXXX  for repeated FCRA violations. 
XXXX. Compensation for damages caused by these illegal reporting practices. 

* * Evidence provided : * * - Screenshot showing the LVNV account deleted on XX/XX/XXXX. 
- Screenshot showing XXXX alert of reinsertion on XX/XX/XXXX. 
- XXXXXXXX XXXX report showing LVNV and XXXX XXXX 
- XXXXXXXX XXXX report showing LVNV and XXXX XXXX. 
- XXXXXXXX XXXX  report showing LVNV is not reporting at all, proving inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
I filed disputes with Equifax regarding accounts on my credit file that I do not recognize and that contain factual inaccuracies. Along with my disputes, I made it clear that if Equifax could not verify these accounts, they must be removed in compliance with the Fair Credit Reporting Act ( FCRA ), Section 611. Despite my dispute and Equifaxs obligation under the law, the accounts remain on my credit report. This continued reporting of unverified and inaccurate information is a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: United PanAm Financial Corp.
State: IN

Complaint narrative:
], I purchased a XXXX XXXX from [ XXXX XXXX ], paying {$2500.00} down and making subsequent installment payments under the retail installment contract. Despite my full compliance, the vehicle was never capable of lawful registration due to a defective title trail. 
Within months, the transmission failed, rendering the vehicle unsafe and non-merchantable. 
The dealership has since ceased operations and avoided service. The financing entity, as assignee of the contract, has continued to accept and retain payments despite its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
CFPB Complaint XXXX  / Bridgecrest ( XXXX ) Date : XX/XX/XXXX To Whom It May Concern, I am submitting a complaint regarding the XXXX/Bridgecrest account on my XXXX  credit report. This complaint supersedes and updates my previous complaint ( which was closed ) due to new and ongoing violations. 

Key Issues : 1. Repeated Verification : XXXX  has verified this account twicefirst in XX/XX/XXXX and again in XXXX XXXX my prior disputes and evidence that the account is inaccurate. The XX/XX/XXXX update constitutes illegal re-aging under FCRA 605 ( c ).

2. Daily Repossession Reporting : The account has been reported as repossessed every single day since the vehicle was actually repossessed. A car can only be repossessed once, and this daily reporting is grossly inaccurate, violating FCRA 607 ( b ). 
XXXX. Failure to Investigate Properly : Experian has failed to conduct a reasonable investigation and has not provided proper verification, in violation of FCRA XXXX ( a ) ( 1 ) and 611 ( a ) ( 7 ).

4. Bridgecrest Non-Responsiveness : Bridgecrest has ignored all attempts to contact them via phone, email, or certified mail and has provided no proof of the accounts validity. 

Requested Resolution : Require XXXX  to provide full, documented verification of this account. 
If Bridgecrest can not provide verification, the account should be corrected or removed immediately. 
Expedite review due to the ongoing harm this account is causing to my credit profile and financial plans. 

This complaint reflects new evidence and the continued reporting of inaccurate information, and I request that CFPB reopen or treat this as a new complaint with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MN

Complaint narrative:
Part of the TransUnion data breach, would like my report cleared of any potential inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MN

Complaint narrative:
Part of the TransUnion data breach, would like my report cleared of any potential inaccuracies

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 2025-09-06 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: AZ

Complaint narrative:
I pay Experian to monitor my credit and alert me of any negative issues. That is also to include updating balances on revolving credit cards. I recently paid all my revolving accounts down to almost zero balance. I understand it is a process and the reporting from the lender can take 30 days or more. The balances are continually being paid to XXXX or close, such as {$5.00} to {$100.00} with some credit reductions of more than {$6000.00}. Some accounts are less with {$2500.00} maximum credit, paid down to {$5.00} to {$100.00}. 
The balances are not reflective of my credit debt. My credit score has not changed more than a 5 % to 10 % increase, even though my debt has been reduced considerably. 
This inaccurate reporting is causing me financial distress due to not being able to secure low interest loans for my business.

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 2025-09-06 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: AZ

Complaint narrative:
I pay Experian to monitor my credit and alert me of any negative issues. That is also to include updating balances on revolving credit cards. I recently paid all my revolving accounts down to almost zero balance. I understand it is a process and the reporting from the lender can take 30 days or more. The balances are continually being paid to XXXX or close, such as {$5.00} to {$100.00} with some credit reductions of more than {$6000.00}. Some accounts are less with {$2500.00} maximum credit, paid down to {$5.00} to {$100.00}. 
The balances are not reflective of my credit debt. My credit score has not changed more than a 5 % to 10 % increase, even though my debt has been reduced considerably. 
This inaccurate reporting is causing me financial distress due to not being able to secure low interest loans for my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
My Chime account has been locked and marked as suspect. I currently have around {$600.00} in the account that I can not access. 

I contacted Chime support multiple times, but they keep asking for a U.S. government-issued ID or U.S. passport , which I do not have. I only have a foreign passport. Because of this, I am unable to complete the identity verification process.

Despite explaining my situation, Chime has not provided me with any alternative solution to either unlock my account or return my funds. Their customer service has not been helpful, and I feel that my money is being held unfairly.

I am requesting that Chime either : 1. Allow me to verify my identity using my foreign passport, or 2. Close my account and return my {$600.00} balance to me via bank transfer, check, or another method. 

I believe Chime is holding my funds without justification and is failing to provide proper customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PLEASE HELP ME TO RESOLVE MY ISSUE BECAUSE THIS ACCOUNT LISTED ON MY REPORTS IS FRAUDULENT AND DOESNT BELONG TO 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Its very upsetting that the incorrect late payments are still listed on my credit report today. I checked multiple times and even refreshed, but they have not been removed. I demand that this matter be addressed right away, with the documents I sent being reviewed properly so I never have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction XXXX XXXX XXXX XXXXXXXX Balance : {$120000.00}

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 2025-09-06 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 explanation