vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
n XX/XX/year>, I submitted a formal dispute to Bridgecrest via certified mail regarding a vehicle repossession account that is currently appearing on my credit reports. My dispute was received by Bridgecrest on XX/XX/year>. In that letter, I requested validation of the debt under the Fair Credit Reporting Act ( FCRA ), including documentation such as the original signed contract, itemized account history, the method of verification, and proof of their legal authority to furnish the account to the credit bureaus. My submission included a government-issued ID, signature, and current mailing address. 

On XX/XX/year>, Bridgecrest responded stating they could not proceed because critical information was missing. In response, I mailed a second certified letter on XX/XX/year>, which included the last four digits of my Social Security number along with all previously submitted identifying documentation. As of the date of this complaint, I have not received any supporting documentation, results of an investigation, or notification of any resolution. 

I believe Bridgecrest has failed to conduct a reasonable investigation under FCRA 611 and 623. I am requesting that the Consumer Financial Protection Bureau assist in compelling Bridgecrest to either validate the debt with appropriate documentation or request deletion of the account from all credit reporting agencies, as required by law when an account can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: AR

Complaint narrative:
They claim to have mailed my check and I still have not received it. They are holding my money hostage! Do not do business with Optum Bank for anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
On XX/XX/year>, I filed a dispute with my bank, Chime, letting them know that {$2500.00} was transferred out of my account on XX/XX/year>. I let my bank know that my debit card was stolen, and they said that they would email me something to send information back to them, but my Bank, which is Chime, never sent me any paperwork to send back so they denied my first claim in 3 days. So, I re-filed another dispute, and again, I never received anything from my bank to send proof that my XXXX XXXX account was closed, and I can't reopen an account. My money was transferred through a XXXX XXXX, so I had to get new bank cards. I called the Chime Dispute line and asked for the investigation report. I was told that they would email it to me in 10 weeks. I told them it doesn't take an email that long, so guess what, the email popped up the next morning, and it said they found the login and authentication history and changes made to personal account information. Duh, my card was stolen and that ain't any of my information, but you still denied my claim. I have also had problems with Chime, and they need to do something about them release your money without verifying but they use to do but not doing anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Van Horn Automotive Group, Inc.
State: WI

Complaint narrative:
they are reporting to my credit and i dont have an account with this them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> National Credit AdjustERS XXXX, Ga XXXX Dear Sir/Madam, I am writing this letter to formally request that National Credit AdjustERS cease and desist all communication and collection activities with regard to the alleged debt referenced as XXXX. 

I believe that the debt in question is not valid and that National Credit Adjuster has engaged in unlawful debt collection practices. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, and I demand that National Credit Adjuster adhere to these laws.

Furthermore, I am prepared to take legal action if National Credit Adjuster continues its collection efforts without providing proper validation of the debt as required by law. Please be advised that any further attempts to collect on this debt without proper validation will be considered a violation of my rights. 

I request that National Credit Adjuster confirm in writing that all collection activities have ceased and that you will provide validation of the debt as required by law. Failure to comply with this request will result in further legal action. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing a collection account being reported by Portfolio Recovery Associates on my credit report. The account is allegedly for a debt with XXXX XXXX, listed at {$2300.00}, with an open date of XX/XX/2022. 

I have not received any written validation of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I do not recognize the debt, and believe the account may contain inaccurate, outdated, or unverifiable information. 

I am requesting that this account be fully validated or removed from all credit reporting agencies ( XXXX XXXX XXXX  ). Until this is resolved, I also request that Portfolio Recovery cease all collection activity. 

Please investigate and have the furnisher provide proper documentation or delete the item from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I received a notification from PayPal stating that my account was permanently limited. The message provided no specific explanation as to what policy was violated or what activity triggered this action. 
I reviewed PayPals Acceptable Use Policy and found no indication that my actions violated any of their terms. I did not receive any warnings, disputes, or suspicious activity notifications prior to the account limitation.

I contacted PayPal to request more details and to appeal the decision, but I received only generic, automated responses that did not address my concerns or explain the reasoning behind the decision. 

I was not given any opportunity to dispute the action or submit any clarification. This lack of transparency and the inability to appeal the limitation is deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

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 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 2025-06-25 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: MA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 2025-06-25 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 reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MOHELA
State: NC

Complaint narrative:
I have no knowledge of this company and I have never had any communication with them. I have sent multiple letters to Mohela requesting validation, verification and chain of custody. I do not have a copy of a wet-ink signed XXXX Promissory Note, and this company did not provide XXXX upon request. I dont even have a full account # to provide because the only information about this alleged account is from the information collected through my credit reports. 

I have documentation that these letters were received and signed for, Mohela not only has not provided the documentation requested but it has been XXXX days and I have received NO communication from them what so ever. 

When I have disputed this account with all XXXX credit bureaus, XXXX  deleted the account immediately while XXXX  and XXXX have not. Stating it has been verified but the requested documentation to prove the validity of this account was not provided.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently completed an XXXX arbitration against Experian ( XXXX Case No. XXXX ), regarding the improper reinsertion of a deleted XXXX XXXX charge-off account ( Account XXXX. XXXX ) onto my Experian credit report. 

In that proceeding, the Arbitrator acknowledged there was uncertainty as to whether I was properly notified under FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). Experian produced no verifiable proof that I ever received timely written notice of the reinsertion, and failed to document that I specifically authorized Experian to deliver FCRA-required notices by email instead of mail. Prior to the reinsertion, Experian had routinely sent dispute results to me via mail but in this instance, switched to email without confirming receipt. 

Experians failure to provide written notice of the reinsertion or to prove delivery violates FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). The account was placed back on my credit report without proper notice, which I only learned about after the fact. 

Despite this, Experian continues to report the account and refuses to remove it despite having no legal basis to maintain it, given their procedural violations and lack of documented reinvestigation. 

I am requesting that the CFPB review this matter and require Experian to : Permanently delete the XXXX XXXX charge-off account from my credit report. 
Ensure compliance with FCRA reinsertion procedures going forward.

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 2025-06-25 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXXx regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NV

Complaint narrative:
This loan should have been deleted due to covid forgiveness recovery. I was told that this student loan will not show up on my account and will be deleted all paperwork that was needed for this recovery was sent in and confirmed at that time which was in XXXX. Can you please get this removed off of my record immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I disputed an erroneous 60-day late payment reported by XXXXXXXX XXXX  on my credit report with Experian, initiated on XX/XX/XXXX. Initially, XXXXXXXX XXXX incorrectly reported three months of delinquency ( XXXX, XXXX, and XXXX ). After I disputed this with TransUnion multiple times, they later partially corrected this to show only two months. 
I provided comprehensive documentation, including evidence that this account was under active dispute with XXXXXXXX XXXX  since XX/XX/XXXX. Critically, I have a secure message from XXXXXXXX XXXX dated XX/XX/XXXX ( See Attachment : XXXX ), explicitly stating my " account status has been changed to dispute '' and that my " payment history will also be rectified. '' This dispute also highlighted XXXX XXXX XXXX contradictory statements about reporting status while in dispute ( including their XX/XX/XXXX message ), and their partial acknowledgment of error by reversing late fees ( including those waived by TransUnion after my dispute with them ) but consistently refusing to correct the underlying delinquency status. They even requested and then stated in a letter to me in XX/XX/XXXX, " we are unable to accept this as proof '' for the electronic transmittal form I provided. 
On XX/XX/XXXX @ XXXX XXXX Experian sent me an email stating, " The results of our reinvestigation are included here. '' However, the email contained no results regarding the outcome of my dispute. It merely outlined the dispute process, leaving me entirely uninformed about whether the inaccurate information was corrected or verified. Experian failed to provide the required dispute results. 
This failure by Experian to provide proper dispute results, coupled with the furnisher 's ( XXXXXXXX XXXX ) unresponsiveness and apparent obstruction in correcting a demonstrably inaccurate entry ( even after explicitly promising to change the account status to 'dispute ' and rectify payment history ), has allowed a severe and false negative mark to remain on my credit file. This single, erroneous entry initially caused a devastating drop in my near-perfect credit score ( from XXXX to XXXX ). While my score has since recovered to XXXX, this took over two years of consistent on-time payments. More importantly, this false delinquency directly caused me to be declined twice for balance transfer credit cards that would have saved me close to {$2100.00} in interest and significantly accelerated my journey to being debt-free

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 2025-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute XXXX XXXX  Account Reporting Errors Dear Transunion, I am writing to formally dispute inaccuracies reporting on my credit file concerning my XXXX XXXX  account. The information being reported is inconsistent and contains factual errors that require immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Account Details : Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Please see attached documents

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