vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
This letter is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation.

Please provide the following : The amount of the debt, including an itemized breakdown of any interest, fees, or charges The name and address of the original creditor Documentation showing that I am legally obligated to pay this debt Proof that you are licensed or authorized to collect this debt in my state A copy of the original contract or agreement bearing my signature Until you provide the requested validation, please cease all collection activities and communication regarding this account. 

If you can not validate this debt, please remove it from your records and from any credit reporting agencies to which it has been reported. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX  allowed my bank account to be erased and the scammers bank account put in its place. XXXX  has made the decision to decline my claim - Complaint # XXXX. 

On XXXX XXXX I received a quantity of sixteen calls from someone claiming to be XXXX  stating that someone was trying to get my money. That phone number was ( XXXX ) XXXX. That number is connected to XXXX, XXXX from XXXX FL. 

Without double checking that XXXX  had not replaced my bank account info, I made the money transfer to the only bank account listed. There is clearly a failure to provide adequate security. I did not lose my phone ( The only device attached ) and I did not release my information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am filing a complaint against Bridgecrest regarding a {$8000.00} deficiency balance and a 21 % interest rate loan for a vehicle ( VIN : [ Your VIN ] ) that was sold with a known, catastrophic manufacturing defect. 

XXXX. Defect & Warranty : My car experienced a 'Qualifying Failure ' ( confirmed 30 % leak-down and cylinder scoring ) covered by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX I had the required XXXX update installed, yet XXXX and the settlement arbitrator ( XXXX  ) have denied coverage in bad faith. 

XXXX. Unconscionable Financing : I was charged a 21 % interest rate on this vehicle. When the engine failed, XXXX 's refusal to honor the court-mandated warranty rendered the vehicle unusable, leading to an involuntary default. 

XXXX. The Damage : Bridgecrest is pursuing an {$10000.00} deficiency for a vehicle that was legally worthless due to a manufacturer breach of warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing a complaint against XXXX Capital Bank regarding improper debt collection practices. XXXX Bank has contacted me regarding an alleged debt without providing proper validation and using threatening language and sounding impaired by alcohol stating if I do not pay the debt it only going to make things worst. Their communications have included repeated calls and statements that I believe are misleading and violate my rights under the Fair Debt Collection Practices Act. 

I dispute this alleged debt and requested validation. Despite this, XXXX Bank continued collection activity without providing proper documentation. Their conduct has caused stress and appears to be unlawful. 

I am requesting that XXXX Bank cease all collection activity unless and until they provide lawful validation of the alleged debt and correct any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I grant anyone permission to access my credit profile. These inquiries were made without my knowledge or consent, and they are negatively impacting my credit score. I requested that these inquiries be investigated and removed. I am willing to provide identification or supporting documents as needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I grant anyone permission to access my credit profile. These inquiries were made without my knowledge or consent, and they are negatively impacting my credit score. I requested that these inquiries be investigated and removed. I am willing to provide identification or supporting documents as needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I am disputing a rental debt being reported by IQ Data XXXX XXXX XXXX. 

Although my name was listed on the lease, I was not the head of household and was not financially responsible for rent payments. Another leaseholder handled all rental payments and account management. 

I was not notified of any delinquency or balance at the time it allegedly occurred. I moved out of the residence and was later approved for my own apartment in XX/XX/year>. It was not until XX/XX/year> that I discovered this collection account on my credit report. 

I am disputing my individual responsibility for this debt and am requesting documentation showing that I was personally and financially responsible for the delinquent balance, as well as proof that proper notice was provided to me. 

If this documentation can not be provided, I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Acra Intermediate Holdings, LLC

Complaint narrative:
The mortgage for my home, which closed on XX/XX/XXXX, was obtained through XXXX via a broker, wtih Acra Lending XXXX XXXX XXXX XXXX as the servicing company. My first payment is scheduled to begin in XXXX. 

In order to access my payment details, I need to log into the company 's system. However, since I am not a U.S. citizen, I do not have a Tax ID or an SSN. I therefore contacted the company to obtain guidance on how I could access the system since I do not have these identifiers. 

On XX/XX/XXXX, I sent an email to the company 's support email address. I received no response. I sent follow-up reminders on XX/XX/2010, and XXXX, but again received no response. On XX/XX/XXXX, I received an email stating that a case owner had been assigned and that I would be contacted. However, no one contacted me. I sent another reminder on XX/XX/XXXX, with no response. On XX/XX/XXXX, I emailed employees at Acra Lending directly, but received no response any of them. On XX/XX/XXXX, I sent another reminder to the support email address, again with no response. On the same day, I informed my morgage broker at XXXX. He told me to reach to support again with a new email. On the same day, I contacted support once more under a new email thread. Today is XX/XX/XXXX, and I still have not been contacted by anyone in any way. 

Because I am unable to log into the system, I can not access my payment information, and this creates a serious risk of missing my mortgage payments. This situation is causing me significant concern. I am requesting that the company provide the necessary information so that I can make my payments on time. 

Best Regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-23 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX computer warranty {$40.00}...... 2024 XXXX turned into comenity bank charges with interest no cc card or bills ever arrived at my address....... months later comenity phoned and emailed with welevated charges through interest..... current amt $ XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Company : Wayfair-Citibank ( Reported on credit report as CBNA I was initially alerted about the fraudulent credit account on XX/XX/XXXX when I was contacted by a debt collections agency for Wayfair-Citibank ( CBNA ) XXXX The creditor informed me that a credit card was opened on XX/XX/XXXX, with a credit limit of {$2500.00}. The account was eventually closed due to no payment. With interest and fees the current amount is {$3100.00}. I requested information such as the email and phone number used when the account was opened. The email and phone number used to open the account matched my mothers information. My mom admitted she opened the accounts. Once I was alerted of this account I pulled a full credit report and found additional unauthorized accounts ( all totaling {$15000.00} ). XXXX  XXXX XXXX was found for {$6000.00}, once I submitted the police report to BOA they promptly removed it from my credit report. But Citibank continued to harass me and never removed it from my credit. 

All the other companies found accepted the police report and removed it from my credit. Wayfair- CitiBank , sent me multiple denial letters after I submitted the police report number over the phone and physically faxed it in. Its been well over 30 days. They also have continued to harass me by phone. This has caused so much continuous trauma, and mental distress. I filed the police report and stated that I want to prosecute for the fraud. I also filed multiple disputes with all three credit reporting agencies, they were all denied. It seems like the issue is that my mom opened the account and added herself as a secondary user. Please help I've done everything I know to do, this is preventing from moving of getting a vehicle.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year>

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 2025-12-23 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: GA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I OPEN A CHECKING ACCOUNT AT REGIONS ONLINE, I WAS APPROVED I WENT TO REGIONS BANK ON XXXX XXXX IL I PUT XXXX CASH IN THE ACCOUNT. NEVER USED THE ACCOUNT ON XX/XX/XXXX OR XXXX THEY CLOSED MY ACCOUNT BECAUSE THEY SAID CHECK FRAUD BUT I NEVER RECVED ANY CHECKS FROM THEM TO COMMIT FRAUD AND I DONT WRITE CHECKS. SO FINE THEY CLOSED MY ACCOUNT I CALL BACK TO SEE WHEN MY FUNDS WILL BE RELEASED TO ME THEY SAID THEY MAILED A CHECK ON XX/XX/XXXX. STILL HAVE NOT GOTTEN MY MONEY AND THEY JUST KEEP GIVING ME THE RUN AROUND

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 2025-12-23 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: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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