vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
Bridgecrest XXXX is attempting to collect a deficiency balance after repossessing my vehicle. The company sent an Explanation of Calculation of Surplus or XXXX that does not match its own records. The letter shows sale proceeds of {$1700.00}, but Bridgecrests internal payment ledger lists an XXXX XXXX  for only {$1400.00}. 

This discrepancy makes the alleged balance amount inaccurate. I sent Bridgecrest a Final Debt Validation and Cease Collection Notice by Certified Mail ( tracking no. XXXX, delivered XX/XX/year> ) requesting proof of the amount owed, the security agreement, and a full post-sale accounting. As of this complaint, Bridgecrest has not provided lawful validation or the requested documentation. 

I am disputing the accuracy of the claimed deficiency balance and asking the company to provide a complete accounting or confirm that the account is closed with no balance due. There has been no credit reporting of this account to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: NY

Complaint narrative:
I was notified by XXXX, XXXX XXXX XXXX XXXX in XX/XX/XXXX, of this {$2600.00} collection amount. I responded on XX/XX/XXXX, by certified US mail. In my communication I disputed this claim, provided evidence of previous payment of {$2000.00} and prior communication with the landlord from XXXX. Despite my proof of payment, XXXX, XXXX and XXXX XXXX reported this inaccurate and negative collection information to XXXX XXXX  and XXXX credit reporting agencies. The result of this negative and false report was a drop in my consumer credit score from XXXX to XXXX. XXXX, XXXX & XXXX XXXX did not report that the amount was in dispute as required by CA Consumer protection statute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
I am filing this complaint because XXXX companies, XXXX XXXX XXXX and Pacific Credit Exchange, are illegally re-reporting and re-aging an old debt that is more than XXXX years old. 

The original account ( XXXX XXXX XXXX ) opened in XX/XX/XXXX and should have aged off my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ). However, a duplicate collection account from Pacific Credit Exchange was opened and reported again in XX/XX/XXXX for the same balance ( {$1700.00} ), falsely appearing as a new collection. 

This is a clear violation of FCRA 623 ( a ) ( 5 ) ( illegal re-aging ) and 605 ( a ) ( obsolete information ). Both companies have been notified of these inaccuracies previously, yet continue to report them.

This re-aged reporting has damaged my credit score and caused denials for credit and housing. I am requesting that the CFPB require immediate deletion of these accounts from all three bureaus and an investigation into the willful FCRA violations committed by these furnishers.

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 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am submitting this complaint because XXXX. system, XXXX is attempting to collect a debt that I do not owe from XXXX XXXX XXXX XXXX. 

I was contacted by XXXX. system, XXXX ( a third-party debt collector acting on their behalf ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have an outstanding balance. However, I never incurred this debt. I either never had an XXXX XXXX XXXX XXXXse account, or my account was closed and fully paid. Despite informing XXXX XXXX XXXX that this debt is not valid, they have continued to pursue collection and/or report this to credit bureaus. 

I have requested documentation verifying the debt, but XXXX XXXX XXXX XXXX or its collection agency ) has failed to provide adequate proof that I am responsible for the alleged amount. This has caused unnecessary stress, potential harm to my credit, and wasted time attempting to resolve an issue that should not exist. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to : Cease all collection efforts on this invalid debt ; Provide written confirmation that my account is clear and that no balance is owed ; and Remove any related negative reporting from my credit file, if applicable.

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 2025-11-11 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: NC

Complaint narrative:
Good day, I have been fighting against these bogus and inaccurate accounts. I would like this account to be terminated. In conjunction with my most recent disagreement, I mailed an FTC. As soon as this is complete, I will proceed to the civil court in my state North Carolina in order to bring a claim against your company. The challenge that I am making to this account is the final one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 USC 1602g2 states that there was no evidence of indebtedness, and no agreement was provided. Please provide proof with wet signature. If it can not be provided, please remove immediately.

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. If not please delete 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
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
There is an account on my credit report from a company called Continental Finance and it is showing the account has a {$0.00} balance and has been closed but the company wont remove it from my credit report. It needs to be removed because closed accounts does have an impact on my credit score.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management , Inc. ( MCM ) is attempting to collect a debt allegedly owed to XXXX XXXX  for an Indigo XXXX account that resulted from identity theft. I did not open or authorize this account, and I am not responsible for the associated debt. 

I am a confirmed victim of identity theft and have filed an official identity theft report with the appropriate authorities. I have notified both XXXX XXXX  ( the original creditor ) and Midland Credit Management that this account is fraudulent. I also provided copies of my identity theft report and supporting documentation as proof. 

Despite receiving this information, Midland Credit Management has continued to pursue collection on this fraudulent account and may also be reporting inaccurate information to credit bureaus. These actions violate several provisions of federal consumer protection law : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Section 1692e prohibits false, deceptive, or misleading representations in connection with debt collection, and 1692f prohibits unfair or unconscionable means of collecting a debt. Attempting to collect a debt known to result from identity theft violates both provisions.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681c-2 provides that consumers who submit an identity theft report have the right to have fraudulent information blocked from their credit reports. Section 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know, or should know, is inaccurate. 

Despite being informed that this account resulted from identity theft, Midland Credit Management has continued to collect and/or report the fraudulent debt, causing unnecessary stress and potential damage to my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>2025 there was a charge on my Chase freedom credit card of {$110.00} made at XXXX XXXX in XXXX XXXX. I saw that charge and immediately disputed it saying that I never did that and I was never in XXXX. Chase saw the fraudulent charge and gave me the money back while they investigated after a few months they determined the charge was valid even though I was not in XXXX and I was in XX/XX/XXXX working on that day. I sent them proof of my time card and my time stamps of when I was working that whole weekend and that is not a possibility that I even made that charge or was even in XXXX. I was working at medical city of XXXX that whole weekend. Theres no way I couldve went to XXXX and made that charge. Somebody must have duplicated my card or stole it so I asked them to order me a new card, but Chase is not helping me or working with me and telling me its a valid charge and its my fault. Which I think in my mind is not right when I have indisputable proof that I was not even there, that I was in XX/XX/XXXX. No one in Chase has been trying to help me and they have been very rude and ridiculed me and making me seem like I am the blame. I try to be professional and send them proof but still they will not work with me. Its very disheartening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
My sister sent me XXXX XXXX dollars to my cash app card to be used for lodging and a cash app employee rerouted the money to himself and after repeated attempts to recover my money I filed a dispute with Cash App and they ruled in favor of the employee

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

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information reported on my TransUnion credit report. These items are inaccurate and I request that they be investigated and removed if they do not comply with the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute : Inquiries : XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> Late Payments : XXXX Account Number : 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 2025-11-11 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: SC

Complaint narrative:
A few XXXX ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A few XXXX ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
My entire account balance was stolen in a single unauthorized transfer. 
Despite me calling immediately and including the scammer on a three-way call, where the scammer admitted to fraud, Chime denied my dispute the same day without investigation and refused to let me continue the process or submit documentation. 

This violates Regulation E : 15 U.S.C. 1693f 12 CFR 1005.11 12 CFR 1005.6 I need full reimbursement and documentation of any alleged investigation.

Chimes refusal has caused significant harm to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Filed a fraud claim on XX/XX/year> as I noticed some transactions not authorized by me. The claim was under review and then on the XXXX business day the claim was completed. I called several times no answer of what the conclusion was. I called several times and I was told it was complete the information will be uploaded maybe on the next day. I get a letter a generic letter in my inbox stating the claim was completed very vague working. It stated that my claim was denied. The investigation was done very quickly and was not investigated properly.

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 2025-11-11 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: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be promptly deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
Hi. I am a XXXX XXXX XXXX XXXX and I am a XXXX citizen but currently reside in the XXXX. 
I sent requests to Equifax, XXXX XXXX XXXX asking for an immediate credit freeze and sending all requested documents on XXXX XX/XX/XXXX via post. I received a response from Equifax on XXXX XXXX saying they needed additional information and requesting I send again exactly the same documents I had already sent. I was away on holiday, but upon my return on XXXX XXXX I again posted copies of all requested documents as well as a deed poll change of first name because an old name was being used and I wanted to clear up any possible confusion. On XXXX XXXX I received an identical letter again requesting the documents they have now been sent twice. 
Equifax is failing to fulfil their obligation to place a security freeze and my credit is vulnerable as a result. I am unable to set up online accounts at any of the credit bureaus because I reside overseas and do not have a XXXX address. This, I believe, is a barrier that is preventing implementing a legitimate security measure. I have not heard from XXXX or XXXX  so do not know if my credit has been frozen as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

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

Complaint narrative:
There are like 4 credit cards that were not mine and opened fraudulently, I have disputed these cards on my credit report at least 3 times but everytime they are removed, the debt gets transferred to another collector after a while and it get put back on my report as a collection account.

Company response to consumer: Closed with explanation