vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My debit card number was stolen, and 26 unauthorized charges totaling {$2400.00} were made to XXXX XXXX I do not have any legitimate or authorized XXXX purchases, and I reported these transactions to BMO within the required time frame. 

BMO issued provisional credit and then removed it without providing the required Regulation E disclosures. This caused my account to become overdrawn for a second time due to this fraud, resulting in additional financial harm, including : Returned payments NSF fees Service interruptions Late fees from third-party billers A second wave of failed payments after the bank removed provisional credit When I contested the banks determination, the Reg E department replied later only with a one-sentence message saying my inquiry was sent to the processor to be reviewed. They did not provide any of the required documentation under 12 CFR 1005.11, including : Case number Investigation timeline Provisional credit disclosures Notice before removing provisional credit Instructions for submitting evidence Copies of documents relied upon A written explanation of their findings The bank also failed to respond to my contestment for 5 days, leaving my account in an overdrawn state and preventing me from correcting the resulting damage. 


Thank you for your help.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
I applied for a 0 % interest card and was given a credit limit well in excess of the item I was trying to purchase. The purchase was flagged as potential fraud. I spoke with the fraud department and they removed the flag. I tried to make the purchase again and it was flagged again. After being at the store for over an hour, I decided to use another card that does require an interest rate be applied unless you pay the balance in full every month. The fraud department connected me to a manager, XXXX XXXX. XXXX advised the flags had been removed and asked that I try the purchase again. I told XXXX that I tried to make the purchase twice and finally left the store after using a different card. I told XXXX that Id like to use the card for a balance transfer. XXXX said he would follow the balance transfer and waive the balance transfer fee because of all the trouble I experienced with using 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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
For : XXXX XXXX Account : XXXX XXXX XXXXXXXX Amount : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XX/XX/year> Subject : FCRA Dispute This Debt Does Not Belong to Me Creditor : RC/Resurgent Receivables Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX To Whom It May Concern : I am disputing the RC/Resurgent Receivables collection account reporting on my credit file. This is not my debt and I have never opened, authorized, or received credit from this account.

This tradeline is inaccurate, fraudulent, and being reported in violation of the Fair Credit Reporting Act.

Under the FCRA : 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information 623 ( a ) ( 2 ) Furnishers must correct and update inaccurate data 607 ( b ) Credit bureaus must ensure maximum possible accuracy 611 I have the right to dispute inaccurate information I am requesting : A full reinvestigation of this account, Verification of all identifying information tied to this debt, AND Deletion of the RC/Resurgent collection account if the furnisher can not prove with documentation that this debt belongs to me. 

This is a direct identity/ownership dispute. If the furnisher can not provide the original contract with my signature, complete billing records, and proof of ownership, the account must be removed. 

Please complete your reinvestigation and provide written results. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Investigation & Removal of Inaccurate/Incomplete Accounts I am submitting disputes for the following accounts on my credit report. 
These accounts contain multiple inaccuracies and incomplete information, making them unverifiable under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 611.

Please investigate and remove or correct the accounts listed below.

ACCOUNT 1 : XXXX Account # XXXX Issues : Credit limit missing ( incomplete data ) Balance missing after settlement Contradictory status ( paid in settlement vs. paid in full for less than full balance ) Dispute Reason : Account reporting is incomplete and inconsistent. Missing credit limit and balance make the account unverifiable. 

ACCOUNT XXXX : XXXX XXXX XXXX XXXX  Account # XXXX Issues : Status conflict ( paid in settlement AND written off ) Balance missing High balance exceeds credit limit Comments contradict actual settlement Dispute Reason : Incorrect and contradictory status. Incomplete balance reporting. Reporting violations require investigation and removal if the creditor can not verify accuracy. 

ACCOUNT XXXX : XXXX Account # XXXX Issues : Status conflict ( paid in settlement AND written off ) Balance missing Dispute comment remains ( consumer disagrees ) which must be accurate and up to date Incomplete data Dispute Reason : Account contains conflicting statuses and incomplete information. Must be corrected or deleted if unverifiable. 

Under FCRA laws, please complete your investigation within XXXX days and provide me the results. 
If any information can not be fully verified with proper documentation, please remove the account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
RE : FORMAL DISPUTE Unlawfully Reported XXXX XXXX XXXX Collection Account To Whom It May Concern, This is a formal demand for deletion of the XXXX XXXX XXXX account appearing on my XXXX  credit file. 
XXXX  is currently reporting a third-party collection account from XXXX XXXX XXXX with an alleged balance of {$700.00}, opened XX/XX/year>. The information you are publishing is false, unverifiable, and furnished in violation of federal law. 

XXXX. XXXX XXXX XXXX failed to provide legally required validation ( FDCPA 809 ( a ) & ( b ) ).

They never sent a notice, never validated the debt, and never provided proof of ownership or a chain of title. 
Under federal law, a collector must cease collection activityincluding credit reportinguntil validation is provided. 
Since no validation exists, this account may not be reported by XXXX. 

XXXX. XXXX  is reporting inaccurate creditor information ( FCRA 609 & 623 ( a ) ( 1 ) ). 

Your file lists XXXX as the original creditor, which is factually incorrect. 
Reporting inaccurate data violates your duties under the FCRA to ensure maximum possible accuracy. 

XXXX. XXXX XXXX unlawfully accessed and transmitted my personal information ( FCRA 604 ). 

They can not demonstrate a permissible purpose to obtain or use my : Social Security number DOB Address Credit file XXXX  must not accept or publish data gathered illegally. 

4. This account is unverified under FCRA 611. 

I demand the complete method of verification, including : Original signed contract Bill of sale Chain of custody Documents proving XXXX has the right to collect or possess my data Since these do not exist, the account must be deleted immediately. 

DEMAND : You are required to remove this item from my XXXX  report within 30 days, and notify me in writing when completed. 

Failure to comply will result in complaint filings with the CFPB, Kentucky Attorney General, and possible claims for statutory damages under FCRA/FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because all three major credit bureaus have continued to report inaccurate information on my credit file, specifically several incorrect charge-off accounts, and have failed to correct these errors despite my repeated disputes. 

Since XXXX, I have submitted multiple disputes, documentation, and follow-up requests to Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act, the bureaus are required to conduct timely and reasonable investigations, yet I have received no proper responses, no updates, and no corrections. The disputed accounts remain unchanged. 

These inaccuracies have caused significant harm, including lost employment opportunities, financial hardship, and difficulty providing for my family. I am simply requesting that the credit bureaus fulfill their legal obligations by conducting a proper investigation and removing any information they can not verify. 

I am asking the CFPB to intervene and ensure that these errors are corrected immediately so I can move forward with an accurate credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically seven years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA.

Furthermore, the FACTA requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score.

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have deposited and have rental income sent in monthly, and I can not use my debit cards to make payments for food, to pay bills, or to pay for housing upkeep. I was told I need to show my id, again. I have shown it to branch managers and other bank officers in formal sit-down settings over the last 12 months for a signature card. My IDs were stolen, and I am waiting for new ones. This will have me without food for XXXX. I spend a lot of money on XXXX XXXX, XXXX, and XXXX. I am renovating an apartment for rental. The rental incomes for the month are $ XXXX and $ XXXX. I havent deposited the $ XXXX check for this month. I can not finish my work with my accounts frozen and Im loosing $ XXXX in rental income a month. I have a substantial amount to deposit from a property sale and cant do that and which would help me bring my mortgage current. With my accounts frozen, I sit here eating sugar out of a bag. I have to beg friends to help me and I go to the food pantry to receive free food to and transportation vouchers. Public services that should be going to someone who has no money in the bank. I worked at Wells Fargo when I was XX/XX/year> - XXXX XXXX XXXX. There should be no problem with me using my atm card to eat food! I am an entrepreneur and business owner with over $ XXXX coming in a month. Forced to beg for food, I have to ask friends to pay for my cell phone bills. This treatment is unfair and completely ludicrous. I cry because at XXXX XXXX XXXX, because I cant order a pizza. Please help me to access my funds so that I can eat and finish my small renovations to pay my bills and live independently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because all three major credit bureaus have continued to report inaccurate information on my credit file, specifically several incorrect charge-off accounts, and have failed to correct these errors despite my repeated disputes. 

Since XXXX, I have submitted multiple disputes, documentation, and follow-up requests to Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act, the bureaus are required to conduct timely and reasonable investigations, yet I have received no proper responses, no updates, and no corrections. The disputed accounts remain unchanged. 

These inaccuracies have caused significant harm, including lost employment opportunities, financial hardship, and difficulty providing for my family. I am simply requesting that the credit bureaus fulfill their legal obligations by conducting a proper investigation and removing any information they can not verify. 

I am asking the CFPB to intervene and ensure that these errors are corrected immediately so I can move forward with an accurate credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because all three major credit bureaus have continued to report inaccurate information on my credit file, specifically several incorrect charge-off accounts, and have failed to correct these errors despite my repeated disputes. 

Since XXXX, I have submitted multiple disputes, documentation, and follow-up requests to Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act, the bureaus are required to conduct timely and reasonable investigations, yet I have received no proper responses, no updates, and no corrections. The disputed accounts remain unchanged. 

These inaccuracies have caused significant harm, including lost employment opportunities, financial hardship, and difficulty providing for my family. I am simply requesting that the credit bureaus fulfill their legal obligations by conducting a proper investigation and removing any information they can not verify. 

I am asking the CFPB to intervene and ensure that these errors are corrected immediately so I can move forward with an accurate credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app closed the account on XX/XX/XXXX or XXXX around XXXX or XXXX, stating terms were violated by the user, I repeatly ask for proof and none was given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I invested {$3500.00} in my account at Robinhood and the account was hacked and my investments were stolen and Robinhood admitted that the account was compromised by hackers but will not recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest Acceptance Corporation submitted a false and incomplete response to my prior CFPB complaint ( # XXXX ). Their written reply dated XX/XX/XXXX contains multiple factual inaccuracies and direct admissions that confirm the information they are furnishing to the credit bureaus is not accurate, not verifiable, and not legally enforceable. 
Bridgecrest admits it elected not to secure its collateral and that a third-party towing company sold my vehicle at auction. Under XXXX UCC 47-9-609, 47-9-610 ( b ), 47-9-611, and 47-9-613, only the secured party may repossess and dispose of collateral after providing authenticated notice to the debtor. Because Bridgecrest intentionally declined repossession and allowed an unaffiliated company to sell the vehicle, any alleged deficiency is void under state law. 
Bridgecrests letter provides no bill of sale, sale price, buyer information, or deficiency calculation as required by XXXX Code 47-9-615 and 47-9-616. Without proof of proceeds or an explanation of deficiency, the reported balance is unsupported and inaccurate. 
Despite admitting the above, Bridgecrest continues to report a charged-off balance of roughly {$6200.00} to XXXX XXXX and XXXX Reporting a balance that can not legally exist constitutes furnishing information knownor that should be XXXX be inaccurate, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and Reg V 12 C.F.R. 1022.43 ( a ).

The tradeline shows different balances, statuses, and dates on Experian, Equifax, and TransUnion. Such discrepancies demonstrate that Bridgecrest is not maintaining procedures to ensure accuracy and integrity as required by Reg V 1022.43 ( b ). 
The only documents Bridgecrest sent were standard origination papers ( contract, buyers guide, credit reporting notice ) that do not verify the validity of the deficiency or the lawfulness of the sale. This fails the reasonable investigation standard under FCRA 623 ( b ) ( 1 ) ( A ) ( E ) and CFPB Circular 2022-07.

Bridgecrest claims to have mailed a validation of debt letter after the CFPB filing, but that letter was not provided during the initial dispute period and contains no supporting evidence of a lawful repossession, sale, or accounting. This violates both FCRA 623 ( b ) and FDCPA 809 ( b ).

Bridgecrest lists contradictory datesclaiming to have received an impound notice in XX/XX/XXXX for a vehicle impounded in XXXX XXXX reports a charge-off in XX/XX/XXXX despite admitting no lawful recovery occurred. These inconsistencies further demonstrate unreliable records and inaccurate data furnishing. 
Because the vehicle and associated personal data were handled by an unauthorized third-party towing company, Bridgecrest may have disclosed consumer information beyond permissible purposes, potentially violating FCRA 604 ( a ) and the XXXX XXXX ( 15 U.S.C. 6801 et seq. ).

Company response to consumer: Closed with explanation