vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX. 
collection agency XXXX XXXX XXXX XXXX The debt was settled and sold to another agency and continues to damage my credit score. 
The Account originated on XX/XX/XXXX with XXXXXXXX XXXX XXXX XXXX The Account charged off on XX/XX/XXXX with a balance of {$560.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$560.00}. Bill statements and terms and conditions on file for the Account are enclosed for review. This Account was previously charged off. Charging off an account does not satisfy the debt, nor does it affect the customers responsibility for the amount owed. If the account is sold after being charged off, the new owner has

the right to collect the account. With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. Based on information contained in the Account records, the tradeline for this Account should be deleted ; it is being reported as disputed to the credit bureaus. It will continue to report as such for the remaining reporting period unless new information indicates that the disputes should be removed. 
XXXXXXXX XXXX XXXX  letter asserts that Current Owner re-ages accounts. Please note that for purchased debt, the credit bureaus use the Open Date field to reflect the date that the account was purchased by the current owner. The credit bureaus use the Date of First Delinquency ( not the Open Date ) to determine the seven-year period that derogatory information remains on a credit report. The Date of First Delinquency for this Account is XX/XX/XXXX. You don't have the original amount I paid as if I made no payments and that is not true.

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 2025-07-25 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:
I am writing to formally dispute the late payment entry currently associated with my credit file. This entry is inaccurate and does not reflect my consistent history of on-time payments.

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 2025-07-25 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: MI

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name XXXX is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
am filing a formal complaint against Bridgecrest due to serious issues with how my auto loan has been handled, the condition of my vehicle following repossession, and deceptive loan terms. 

In 2025, my vehicle was repossessed and later returned to me in a non-working condition. It had been operable prior to repossession, but once returned, it would not start even after refueling. I was forced to pay {$300.00} out-of-pocket for towing to get the car home. Bridgecrest was notified immediately, but they refused to assist or take responsibility, instead telling me all expenses were my responsibility despite the fact that the damage occurred while the vehicle was in their possession or that of their repossession vendor. 

Since then, Ive been told I must also cover additional towing and diagnostic fees before even getting clarity on what caused the damage. Ive made it clear that I can not afford both those expenses and my monthly payment, but was met with no accommodation. This is causing severe financial strain.

More concerning, I was originally led to believe my APR would be 17 %, but I later discovered it was actually 29.99 % APR a rate I never knowingly agreed to. I was also misled about the total cost of the vehicle, with several unknown fees added to the loan that were never properly disclosed at the time of signing. I now feel that I was deceived during the financing process.

Even more troubling, after over two years of making payments, I have only paid a little over {$3000.00}, and my balance has barely changed. It is unclear how my payments have been applied or why the amount due continues to feel untouched. This raises serious concerns about predatory lending, payment misapplication, and deceptive financial practices.

I am requesting that the CFPB : Open a full investigation into Bridgecrests lending and repossession practices Review and demand transparency on how my payments have been applied Investigate the misrepresented APR and added fees Ensure I am reimbursed for the {$300.00} towing expense Prevent Bridgecrest from continuing to demand payments for damage they likely caused If no resolution is reached, I will be pursuing this further through legal counsel and my states Attorney General. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, 2025, I called and requested verification and correction of fraudulent 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 non-monetary relief
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
These accounts are reporting fraudulently. please remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX  ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, Suncoast Credit Union withdrew {$770.00} from my checking account without my authorization. My account was opened when I was a minor in XXXX, and I never signed or reaffirmed any membership agreement as an adult that would allow Suncoast to remove my funds for another members obligations.

During a recent call, Suncoast representatives confirmed that the original agreement was signed by my parent, not me. I have previously requested that all joint status be removed from my account, but Suncoast failed to complete this or notify me that the request was not processed. I am now XXXX XXXX XXXX and should have sole control of my account. 

This unauthorized withdrawal caused significant financial harm. The funds withdrawn were meant for my electric bill, and as a result I had to borrow {$700.00} from someone else at 6 % interest to prevent my electricity from being shut off. I should not be financially burdened by an account agreement that I never signed as an adult.

Suncoast has not provided any written explanation for the withdrawal or guaranteed that my money will be returned. I am requesting : 1. A full refund of {$770.00}.

2. Compensation of {$42.00} ( 6 % interest on the {$700.00} I was forced to borrow ) and any additional late fees I incurred.

3. A goodwill credit for the stress and inconvenience this situation caused.

4. Written confirmation that my account is solely under my name and free from joint obligations.

5. Assurance that no future withdrawals will occur without my explicit authorization, and a formal written apology. 

I am submitting all supporting evidence, including a transcript summary of my call with Suncoast, to demonstrate that this withdrawal was unauthorized and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate credit reporting. My XXXX XXXX  account has been closed, but it is still showing as active with a balance on my credit report. Additionally, there are negative marks and late payments being reported, even though I have never made a late payment on this account.

I have disputed this account with all three credit bureaus ( Experian, Equifax, and TransUnion ), but the inaccurate information remains. I have contacted XXXX XXXX  directly, but they have failed to provide any resolution or proper documentation to support their claims. They continue to give me the runaround without correcting the inaccuracies.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to the credit reporting agencies must be accurate and verifiable. I am requesting that the CFPB investigate this matter and require XXXX XXXX  to : Correct the account status to Closed with a {$0.00} balance.

Remove all negative marks, including any false late payment history, as I have never missed a payment on this account.

Ensure that only accurate, verified information is reported to all three credit bureaus.

Timeline of Actions Taken : I have disputed this account with all three credit bureaus, but the incorrect data continues to be verified without proper investigation. 

I have contacted XXXX XXXX  multiple times, but they have not corrected the reporting or provided any valid explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: SC

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate credit reporting. My XXXX XXXX  account has been closed, but it is still showing as active with a balance on my credit report. Additionally, there are negative marks and late payments being reported, even though I have never made a late payment on this account.

I have disputed this account with all three credit bureaus ( Experian, Equifax, and TransUnion ), but the inaccurate information remains. I have contacted XXXX XXXX  directly, but they have failed to provide any resolution or proper documentation to support their claims. They continue to give me the runaround without correcting the inaccuracies.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to the credit reporting agencies must be accurate and verifiable. I am requesting that the CFPB investigate this matter and require XXXX XXXX  to : Correct the account status to Closed with a {$0.00} balance.

Remove all negative marks, including any false late payment history, as I have never missed a payment on this account.

Ensure that only accurate, verified information is reported to all three credit bureaus.

Timeline of Actions Taken : I have disputed this account with all three credit bureaus, but the incorrect data continues to be verified without proper investigation. 

I have contacted XXXX XXXX  multiple times, but they have not corrected the reporting or provided any valid explanation.

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 2025-07-25 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: CA

Complaint narrative:
I am writing to dispute a fraudulent entry on my credit report that does not belong to me. I did not authorize, initiate, or open this account. It appears to have been added without my consent, possibly due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX5 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered a fraudulent account inaccurately associated with my credit history. This account was not opened by me and represents a serious misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my records and review of my credit report, I noticed a hard inquiry that I did not authorize. This inquiry appears to be in violation of the Fair Credit Reporting Act ( FCRA ) and is covered under 15 U.S. Code 1602p.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I recently contacted XXXX XXXX after discovering that a collection account had been added to my credit report. I was never notified or contacted prior to this action, which has negatively impacted my credit. 

When I called XXXX XXXX today to ask why this was sent to collections without any prior notice, they were dismissive. I explained that I had lived at that property for over a year and always paid my rent on time. If there was any issue, I should have been informed so I could resolve it directly. It feels like this action was taken with the intention of harming me, rather than seeking a resolution. 

I have already paid the amount in full and I am now requesting that this negative mark be removed from my credit report, as I was not given the proper opportunity to dispute or resolve the debt beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the collection account that XXXX XXXX is reporting to the credit bureaus regarding an alleged debt from a utility company. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with this utility company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this complaint in relation to a car loan that I currently have with Santander Consumer USA. I am paying an XXXX interest rate of XXXX XXXX, which I consider excessive and possibly abusive. 

This loan originated in the state of Florida, and it was never explained to me clearly or verbally or in writing that the rate would be so high. At the time of purchase, I did not understand that my loan had an APR rate above XXXX XXXX. In addition, I was not offered other options or allowed to negotiate the terms. 

According to Florida laws, consumer loans under {$500000.00} should have an interest limit of 18 % per year, unless there are specific exceptions. I am concerned that this loan is structured in a way that avoids consumer protection, and I feel that I was pressured or misinformed during the financing process. 

I request that this situation be investigated and that the legality of the fee applied be reviewed, as well as the transparency of the contracting process. I would also appreciate it if I could be offered fee reduction options, refinancing or any resource available to affected consumers. 

I attach the relevant data and I am available to provide additional documentation if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
These accounts are reporting fraudulently. please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
These accounts are reporting fraudulently. please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief