vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
b'Cover Statement:\n\nI am an XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX, I submitted an SCRA request to Bridgecrest Acceptance Corporation covering two auto loans (XXXX XXXX XXXX). Bridgecrest adjusted and refunded the XXXX  account but has ignored the XXXX  account completely, providing no documentation, no SCRA adjustments, and no required repossession records.\n\n\n\nFull Complaint Narrative:\n\nOn XXXX XXXX XXXX, I submitted a Servicemembers Civil Relief Act (SCRA) request to Bridgecrest Acceptance Corporation regarding two auto loans financed with them: a XXXX  XXXX XXXX and a XXXX  vehicle.\n\nBridgecrest applied SCRA adjustments to the Chevrolet account, issued refund checks, and provided a Paid in Full letter. This demonstrates they had my documentation (including military orders) and are capable of compliance.\n\nHowever, Bridgecrest has taken no action on the XXXX  account despite it being included in the same XXXX XXXX request. The XXXX  loan was originated prior to my active-duty service, carried an interest rate above 6%, and was later repossessed while I was protected under SCRA. To date, Bridgecrest has provided no accounting, no auction records, no documentation of interest adjustment, and no correspondence addressing this account.\n\nOn XXXX XXXX XXXX, I sent a formal follow-up email again referencing both loans and granting Bridgecrest 15 days (until XXXX XXXX XXXX) to respond. Bridgecrest did not reply. They selectively complied on the Chevrolet while ignoring the Volkswagen, despite having the same information for both.\n\nThis conduct violates:\n 50 U.S.C.  3937  failure to reduce pre-service interest rate to 6% during active-duty periods.\n 50 U.S.C.  3952  repossession of property purchased before active duty without a court order.\n\nI am requesting CFPB investigation and enforcement to ensure:\n A full accounting of the XXXX  loan from inception through repossession and sale, with SCRA protections applied.\n Refund of all excess interest charged and improper balances.\n Production of repossession and auction records.\n Correction of any negative credit reporting tied to the XXXX.\n\nBridgecrests selective compliance and complete lack of communication demonstrate a pattern of neglect and noncompliance with SCRA obligations.\n\nAttachments for CFPB Portal\n XXXX XXXX XXXX follow-up email (PDF)  references both XXXX XXXX XXXX, sets deadline.\n XXXX loan contract  showing loan terms and pre-service origination.\n XXXX  Paid in Full letter  proof of selective compliance.\n Images of refund checks (optional, but reinforce pattern).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> and XX/XX/year> my VA XXXX checks were stolen from me through a XXXX party from XXXX. i called went in person and filed a police report XX/XX/XXXX about the fraud and capital one said they did investigation and found no signs of fraud when there clearly was. i rebutdtaled and still got denied. i lost {$4500.00} and someone also now in XXXX of XXXX  has been using my credit card and depositing {$25.00} into my checking account and i haven't used the account since XXXX. They never closed the account gave me a new one or reimbursed me for my money i lost. i reached out to XXXX as well and they said they cant help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MS

Complaint narrative:
I have been a Victim of identity theft in the past and there are Fraudulent accounts on my credit reports.XXXX XXXX XXXX  Acct # XXXX XXXX XXXXXXXX XXXX Acct # 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 XXXX XXXX XXXXhe Following Inquires are Fraudulent CREDIT 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 XXXX 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. Couple of days 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 30 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. Couple of days 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 30 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. Couple of days 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 30 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 2025-09-03 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: NY

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, a representative from a debt collection company XXXX XXXX XXXX called XXXX and spoke with my husband regarding my accounts ( XXXX XXXX ) ( # XXXX and # XXXX ). The representative disclosed all the account information, including the balances, without my consent and informed my husband that legal action would be taken. This action violated the Fair Debt Collection Practices Act ( FDCPA ) because my husband, XXXX XXXX, is not listed on those accounts and has never used the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: VA

Complaint narrative:
b'I emailed Jegfferson Captial Systems LLC the following:\n\nThis is not my account and I dispute it 100 percent of owing Jefferson Capital $XXXX.\n\nI demand you to send  validation in the form of a signed contract of this debt with your company Jefferson Capital Systems LLC .\n\nI also demand you remove this erroneous information from my credit bureau report today. \n\nYour communication stated to dispute the debt by XXXX. Today is XXXX and you all have reported this erroneous data to the credit bureau.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts could not be verified. 
XXXX XXXX XXXX XXXX verify account XXXX XXXX XXXX attached XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letter attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
Ive sent multiple dispute letters to Affirm INC company, with an accounts opened up under my name without my knowledge or consent, they have failed to send me a response to my complaint, to continue to report these fraudulent accounts on my consumer report. Ive been incarcerated since XX/XX/year> in the XXXX  Department of XXXX. Where this company allowed for these accounts to be opened up under my name, payments made with an unknown checking Account. For the Amounts of {$100.00} XXXX XXXX XXXX  {$110.00} XXXX XXXX {$54.00} XXXX XXXX {$300.00} XXXX XXXX  {$170.00} XXXX XXXX {$73.00} XXXX XXXX XXXX  {$110.00} XXXX XXXX. I am serving a 25 year sentence since XX/XX/year> in the XXXX  Department of XXXX, this information couldve been Verified Easily had they investigative team contacted the XXXX  of XXXX XXXX XXXX and verified the information that I provided. Yet, still they failed to address my complaint in violation of the FCRA. There where I didnt open up these accounts opened up under my name. With Affirm INC company. Ive never lived at XXXX XXXX XXXX XXXX XXXX, Ok XXXX or XXXX XXXX XXXX XXXX, Ok XXXX where the Accounts was opened up, used, Ive never owned the phone of XXXX this was all done by the perpetrator who was pretending to be me. Any emails that you have on file for me are not my emails becase I dont nor ever owned one. This bank should've done more to protected me from this fraud. I want this fraudulent account cleared off my name, or any credit agency report per the FCRA, Ive sent Certified letters asking what information did they use to verify these Accounts belonged to me but no response was ever submitted back to me. So this is the Reason im filing a formal complaint against this company for failing to investigate, send me a response back to my dispute. I have attached copy of letter disputing these accounts, a copy of my prison system record, a copy of my prison ID for the XXXX  Department XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Contacted zip recruiter about charging my account for a service that was not agreed upon by me. They refused to give full amount refund. Contacted chase bank to dispute charge and they gave a provisional credit. I did not notice charge on my account until money was already taken out but did not authorize zip recruiter to take over {$500.00} out of my account. This company is a liar and deceptive and stealing money from people and lied to my bank as if this charge was authorized because they had access to my debit card information from previous free trial promotions. Please ask this company for a contract signed by me authorizing these charges and i am 100 % sure they wont be able to provide and please investigate this company for its unlawful actions. They steal people 's money and recuse to give you a refund. Chase bank gave them funds that was never lawfully theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WestGen Lending, a DBA of Beckam Funding
State: IL

Complaint narrative:
XXXXI called to see how to make a payment, with the originator of my debt I was able to make a payment with many methods.  GenWay Home Mortgage acquired my home loan.  They told me they would accept XXXX.  This seemed suspicious that they will not use a debit card or allow a check to be sent in but want XXXX  payments.  I then made a formal request for the payment terms as well as changes to the payment terms and what gave them the legal authority to change my payment terms and spoke with 2 different people when i called XXXX XXXX XXXX.  Both of these people refused  I originally talked with A woman and asked to be transferred to a supervisor when they refused to give me the information I requested.  This call was at exactly XXXX central time XXXX. The lady refused to transfer me but i was persistent. When I was transferred the other person was a female, and she was not a supervisor but a colleague, She repeated the same information and refused to send me the requested information.  I stressed to them this is not an option and by law they have to send me this when i do a formal request.  I asked to speak to her supervisor after a 35 minute talk where they refused to give me information.  I then was given the option to get a call back.  I happily accepted as they said it would be a real supervisor.   He called me this morning but  i feel they just had a male colleague call me as if to convince me he was a supervisor because he was a male, i found this strange as a woman can be a supervisor.  I believe they were just passing me to team members and refusing because either they don't understand the law or refuse to follow it.  On the call with him, he said i see you wanted to talk to a supervisor because you want to make a payment with a credit card, i said no, i wanted to talk to a supervisor because i was refused my formal request 8 times, on my call from yesterday.  He then said what do you want and I repeated I am making a formal request for my payment terms, changes to my payment terms and the legal authority to do so.   He then said what terms, you can pay by XXXX XXXX or ach.  I said are you refusing my request for the information.  He then said no and talked about how they don't take credit card. I said i don't care about that can you please fulfill my request. He said no, He said that I will have to send a written request in to his legal team. I said no, that is not how it works if i requested it you cannot refuse to send it to me or require me to sent the request in writing. I told him again that i was making a formal request and he continued to refuse."

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation