vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I had XXXX charges on my Best Buy Credit card on XX/XX/year> for gifts cards totaling {$250.00} ( XXXX X {$85.00} ) and one on XX/XX/year> for {$100.00}. I have tried to get Best Buy/Citibank to correct this for me and they refuse to do so even though the gift cards are still sitting in my aacount. I DID NOT MAKE THESE CHARGES.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
My car was towed to XXXX yard and it was registered as non operational vehicle. Received several threatening calls and just received a XXXX notice threatening my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint because Equifax has repeatedly failed to correct inaccurate personal information on my credit report, despite multiple disputes. 

Specifically, my report continues to list old or inaccurate addresses as my current address, which is not correct. This incorrect information causes confusion and may result in incorrect matching of data ( including hard inquiries and accounts that may not belong to me ).

I have previously submitted disputes and provided proof of my correct address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX ) but the bureau has either verified the old addresses or failed to update my file appropriately. 

This failure to correct violates FCRA 611, which requires consumer reporting agencies to conduct a reasonable reinvestigation and promptly correct or delete inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
For the pass four years money i deposit or transferred to my acvount was held and used by tge staff i was attwcked by the staff with yhrm usimg thesevthins csllee desigjs that base on witchcraft thry had others in the finsncisl insitution under my namensnd identity both paypal and cash app had someone there working as me i havent recieved any of my money i was insulted had rodents threwn on me these people travel to my home and stay with wespons put up things in my home using movie ptoducts and dared me to inquire about my money said i wasnt getting paid XXXX i earned my money i dont work for cash app so the person they put there to work they try to act as if they are confused i need my money today my daughter birthday i havent bern able to buy food or clothing travel four years my recent earningbi sent they did the same say they only watch my account that illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
Mercedes-Benz Financial Services is reporting inaccurate information on my credit file for account # XXXX. The vehicle was repossesed and sold on XX/XX/year>, but I have not recived a deficiency balance statement. They have not updated the account difference properly on my credit report, which violates the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, 623 ). I disputed in writting and sent a 30-day follow-up, but no correction or response has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, I scheduled a payment of {$1500.00} through Bridgecrests system for my XXXX XXXX XXXX ( Account # XXXX ). Their system confirmed : Your scheduled payment ( s ) will be processed Today. ( see attached screenshot ).

Despite this, Bridgecrest threatened repossession of my vehicle. This is an unfair and deceptive practice because I had already made a good-faith payment arrangement. 

Taking repossession action while acknowledging a scheduled payment may violate : Florida UCC Article 9 ( repossession & notice requirements ) Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) CFPB UDAAP standards ( unfair, deceptive, or abusive acts or practices ) This has caused me financial harm, emotional distress, and risk to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am notifying you that XXXX XXXX has provided me a written statement confirming my account ( opened XX/XX/XXXX, closed/completed XX/XX/XXXX ) was closed/completed and no longer reported after this date, and no payments are owed. Despite this written confirmation, negative reporting related to this account continues to appear on my credit files. 

Additionally, during the period when the account showed delinquencies I was incarcerated and unable to manage the account. Reporting negative history from that period without proper verification or consideration of circumstances is unfair and misleading. 

This continued reporting appears to be in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX ( b ) the duty to follow reasonable procedures to assure maximum possible accuracy ; XXXX  the requirement to correct or delete inaccurate or unverifiable information after a consumer dispute ; and XXXX ( a ) ( XXXX ) the furnishers duty to update and correct inaccurate information. 

I demand that you promptly investigate and correct or delete all inaccurate reporting related to this XXXX XXXX account XXXX all credit reporting agencies and provide me written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I contacted Freedom Mortgage on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and provided documentation that my quarterly property tax payments are {$1200.00}, but Freedom Mortgage insists that my quarterly property tax amount is {$2100.00} for my quarterly tax payment. 

This results in a {$3500.00} overpayment annually and increases my monthly payment. 

I have tried numerous times to provide the quarterly tax bill as documentation and a new escrow analysis was run on XX/XX/year> with no changes and said I have an escrow Shortage. 

Please help, I'm not sure what else I can do and feel like I'm not being heard.

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 2025-09-19 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: IL

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B 15 USC 1681 that the credit 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. This is fraudulent, inaccurate, and false information consists of XXXX {$0.00}, XXXX XXXX {$840.00}, and XXXX {$160.00}

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 2025-09-19 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:
This complaint has been filed to request pursuant to FCRA 605B 15 USC 1681 that the credit 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. This is fraudulent, inaccurate, and false information consists of XXXX {$0.00}, XXXX XXXX {$840.00}, and XXXX {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: IL

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 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
My insurance XXXX  XXXX already covered and payed for the collection amount prior it going to collections MEDICAL DATA SYSTEMS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am disputing the Jefferson Capital SystemXXXX  account that is reporting as a telecommunications debt ( original creditor : XXXX ) XXXX XXXX XXXX has not provided original creditor documentation, assignment records, or other proof of ownership for this account. 

Under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ), a furnisher must not report information that can not be verified. Since XXXX XXXX has failed to provide proper validation, this account is being reported without proof of ownership. 

Per FCRA 611 ( a ), any account that can not be validated must be corrected or deleted from my credit file. I am requesting that this account be removed as it is currently unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: LA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXXXXXX 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 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 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 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing multiple unauthorized inquiries appearing on my credit report, which I believe to be fraudulent and potentially connected to identity theft. These inquiries were made by companies I have no relationship with, and I have not applied for new credit nor provided consent for such access. Despite my previous dispute, these inquiries remain on my report, which is unacceptable and deeply concerning. The continued presence of these fraudulent inquiries not only violates my rights as a consumer but also raises serious concerns regarding the security of my personal information. This situation has caused me unnecessary stress and XXXX, and it must be addressed without further delay.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It XXXX Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, said action might constitute fraud under both XXXX  and XXXX  XXXX. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
Trans Union has released my information to others without my consent.

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