vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Bridgecrest XXXX XXXX XXXX XXXX  Account Number XXXX They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9- 614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: OH

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: OH

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Subject : Formal Complaint and Validation Request Bridgecrest Credit Auto Loan Account Reporting Dear CFPB Representative, I am writing to file a formal complaint and request an investigation into an auto loan account being reported by BridgecreXXXX XXXX XXXX XXXXrs to contain inaccurate, incomplete, or unverifiable information. The account details are as follows : Creditor : Bridgecrest Credit Reported Balance : {$16000.00} Highest Balance : {$22000.00} Date Opened : XX/XX/XXXX Reported Date : XX/XX/XXXX Term : 72 months Credit Report Notes : Derogatory and late payment notations According to my credit report, this account is showing multiple late and derogatory marks, yet I have not received complete documentation or verification to support these entries. Under the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I am requesting that Bridgecrest Credit provide full validation of the following : 1.A copy of the original, signed retail installment contract or loan agreement. 
2.A full and accurate payment history reflecting how the balance of {$16000.00} was calculated.

3.Proof that Bridgecrest Credit has accurately reported the late and derogatory marks, including supporting documentation.

4.Evidence that this account was properly serviced and communicated in accordance with federal lending and reporting laws. 

If Bridgecrest Credit can not provide full validation or accurate records, I request that the CFPB conduct a full investigation and instruct that this account and its negative reporting be immediately corrected or removed from my credit reports. 

The continued reporting of unverifiable or inaccurate information is a direct violation of the FCRA and causes ongoing harm to my credit standing. 

Please confirm receipt of this complaint and advise me of the next steps in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

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 XXXXXXXX INQUIRIES : 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/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 2025-11-09 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: FL

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-09 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: FL

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: COINFLIP LLC
State: MD

Complaint narrative:
On XX/XX/year> I deposited {$1500.00} to a coinflip atm to purchase XXXX and transfer those funds to my crypto wallet. Some time later they closed my account and said they would process my refund in two to three weeks. The reason they gave was that they suspected fraud. Ive worked with crypto a while but this is the first time Ive used a coinflip machine. They could easily send the funds to my crypto wallet. Chances are they want me to use their coinflip wallet for a fee. They said there was nothing they could do and would send me a fraud incidence report to complete. This was not fraud but ( very rude ) XXXX insisted that completing this form was the only way I could ( maybe ) get my money back. I cant afford to wait three weeks to use my money for my purposes. This is unconscionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
I am disputing an unauthorized hard inquiry on my Experian credit report from XXXX  XXXX XXXX. 
I recently opened a business account, but I did not authorize XXXX  XXXX XXXX to run a hard credit inquiry on my personal credit report for this account. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a credit report for a permissible purpose, which includes situations where the consumer explicitly authorizes the pull. Since I did not provide authorization, this inquiry is unauthorized and violates the FCRA. 
I request that XXXX  XXXX XXXX verify the authorization for this inquiry. If they can not, I demand the immediate removal of this inquiry from my Experian credit report. 
I have attached my Experian report highlighting the unauthorized inquiry.

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 2025-11-08 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: NJ

Complaint narrative:
I am submitting a formal complaint regarding multiple inaccuracies on my credit report that have caused, and continue to cause, significant harm to my creditworthiness. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. 
Accounts & Issues : XXXX XXXX XXXX High Balance {$300.00} Open Date XX/XX/XXXX Late Payment I have never made late payments on this account. The reporting of late payments is false, and I request correction of this account history to reflect accurate payment information pursuant to 15 U.S.C. 1681i. 
XXXX XXXX High Balance {$17000.00} Open Date XX/XX/XXXX Late Payment The late payment status on this account is entirely inaccurate. I have always maintained timely payments. Reporting this as late is a direct violation of FCRA Section 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Balance {$23000.00} Open Date XX/XX/XXXX Late Payment I dispute the accuracy of this late payment report. I demand verification under FCRA Section 611 and immediate correction. 
I am requesting that the credit bureau : Remove all incorrect addresses immediately. 
Correct all falsely reported late payments. 
Remove the unauthorized inquiry from XXXX XXXX. 
Confirm the completion of your reinvestigation in writing. 
I am prepared to provide documentation to verify my correct addresses and account histories. Failure to resolve these issues may result in further legal action and additional complaints to federal regulators. 
Requested Resolution : Full correction and/or deletion of inaccurate items as described above, with written confirmation.

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 2025-11-08 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: TN

Complaint narrative:
I am writing to dispute the accuracy and validity of the accounts and inquiry listed below that appear on my Equifax credit report. Due to the numerous data breaches that have exposed consumer information nationwide, I believe that some of these accounts and inquiries may be inaccurate or the result of identity compromise.

Under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that Equifax conduct a full reinvestigation of each account and inquiry. If any item can not be verified as accurate and authorized, please delete it from my credit file immediately. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8700.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX CARD Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$820.00} INQUIRY XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received an escrow analysis from Wells Fargo dated XX/XX/year> stating I had an escrow shortage of {$370.00}. My XXXX XXXX XXXX  monthly mortgage payment was applied to my account on XX/XX/year> and it included an extra payment for principal ( {$250.00} ) and an extra payment for RE Tax escrow of {$11.00}. For my XX/XX/year> mortgage payment, I included a payment to fund the escrow shortage of {$360.00} which is the statement of XX/XX/year> shortage of {$370.00} less the payment of {$11.00} received after XX/XX/year>. Wells Fargo took my XX/XX/year> payment and applied the full {$370.00} from my payment and thus shorted my additional principal payment in the amount {$11.00}. I have attempted twice for Wells Fargo to correct this error.

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 2025-11-08 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: GA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed below, as they may have been affected by exposure of my personal data in the Equifax data breach. Under the Fair Credit Reporting Act ( FCRA ) 602 and 611, I am requesting a full reinvestigation and removal of any unverifiable or unauthorized items from my Equifax credit file. 
Accounts in Dispute : Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4300.00} Account Name : XXXX XXXX XXXXXXXXXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$11.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, a series of unauthorized charges totaling {$500.00} were deducted from my Chime XXXX XXXX XXXX XXXX Credit Card. These charges were made by XXXX  in rapid succession between XXXX AM and XXXX AM. The funds used were part of a federally protected student aid disbursement intended for tuition, housing, and basic living expenses. 
> > I did not authorize these transactions. I had previously requested that Chime block this merchant back in XXXX, and Chime support confirmed that the block was in place. Despite this, the charges were processed and marked as pending.

> > When I contacted Chime, I was told that provisional credit would not be issued because the transactions were still pending and allegedly not covered under Regulation E. I was also informed that the dispute investigation could take until XX/XX/XXXX, which is an unreasonable delay given the financial and academic harm caused. 
> > As a result of this dispute, XXXX XXXX my account, cutting off access to course materials and disrupting my ability to attend class at XXXX  XXXX. I am now facing potential withdrawal fees and tuition loss due to lack of access to required materials. 
> > I have chat transcripts showing Chimes refusal to escalate, closure of support chats without resolution, and confirmation that the merchant was previously blocked. I also have screenshots of the pending charges and timestamps. 
> I am requesting : > - Immediate issuance of provisional credit while the dispute is investigated > - Full refund of the {$500.00} in unauthorized charges > - Regulatory review of Chimes dispute handling and Regulation E interpretation > - Consideration of the educational harm and financial consequences caused by this failure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-11-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items reported on my credit report by various creditors. These errors have caused significant harm to my creditworthiness, financial reputation, and personal well-being. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3600.00} Charge Off I have no knowledge of this account. The reporting of a charge-off for an account I never opened constitutes inaccurate and potentially fraudulent information. FCRA Section 1681i requires that unverifiable information be deleted promptly. I demand that this account be thoroughly investigated and permanently removed unless verifiable documentation proves my liability. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX High Credit : {$3600.00} Charge Off This account is being reported as a charge-off without my authorization or any acknowledgment from me. I categorically deny any responsibility for this debt. Reporting such unverifiable debts is a direct violation of FCRA and can be construed as reckless reporting under 15 U.S.C. 1681s-2 ( b ). I request immediate deletion of this account from my credit report. 
XXXX XXXX  XXXX Open Date : XX/XX/XXXX High Credit : {$0.00} Late Payment I have never been late on payments for this account. Reporting this account as late is demonstrably inaccurate and violates FCRA Section 1681i. I request correction of the payment history to reflect accurate, on-time payments. Continuing to report inaccurate late payments can cause unjust financial harm and constitutes negligent reporting. 
I am seeking the following resolution : XXXX. Immediate deletion of accounts I did not authorize ( XXXX  XXXX XXXX, XXXX XXXX  XXXX ). 
XXXX. Correction of inaccurate late payment reporting on XXXX XXXX  XXXX. 
XXXX. Removal of all unauthorized inquiries ( XXXX, XXXX XXXX ). 
XXXX. Correction or deletion of incorrect address ( XXXX XXXXXXXX XXXX XXXXXXXX, NJ, XXXX ). 
The continued reporting of inaccurate, unverifiable, and unauthorized items has caused undue stress and financial harm. I request CFPB intervention to ensure compliance with FCRA and to hold the responsible parties accountable. I expect a written response detailing the actions taken to resolve these complaints.

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