vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NM

Complaint narrative:
During the month of XXXX {$23000.00} was missing from my XXXX account. I filled a dispute with XXXX and XXXX lied to their high priced attorney who accused me of taking the money myself which I didn't. I submitted documents of the money missing and the arbitration started and lost with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: UT

Complaint narrative:
I made a {$660.00} ACH payment to Bridgecrest on XX/XX/XXXX. 
Bridgecrest accepted the payment and withdrew the funds from my bank account. 

My bank statement shows : XX/XX/XXXX XXXX XXXX {$660.00} To Bridgecrest This proves the payment was successfully processed. 
If the bank had denied it, the withdrawal never would have occurred. 

The next day, my bank shows : XX/XX/XXXX XXXX XXXX {$660.00} XXXX XXXX  confirmed in writing that : The transaction for {$660.00} on XX/XX/XXXX was returned in error. 

They stated the payment was not NSF, not denied, and that the return was not initiated by the bank. 

Bridgecrests own account ledger shows : XX/XX/XXXX XXXX XXXX {$660.00} XX/XX/XXXX Payment Reversal - {$660.00} There is no ACH return code listed. 
Instead, it lists a Payment Reversal, which indicates a reversal performed internally by Bridgecrest, not the bank. 

Despite this, multiple Bridgecrest representatives, including my last agent XXXX, claimed : The bank denied the payment Bridgecrest never received the funds ACH is like a check Bridgecrest does not return payments These statements directly contradict both the bank records and Bridgecrests own records. 

The payment was successfully received and later reversed by Bridgecrest, which pushed my account into delinquency and led to a wrongful repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
b'I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several account. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 non-monetary relief
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint against Midland Credit Management for attempting to collect a debt that is not mine and for failing to provide proper validation as required by law. As of XX/XX/year> I formally disputed this account and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). XXXX responded by providing a generic statement of charges, which is not legal validation under : 15 U.S.C. 1692g ( b ) collector must cease collection until they provide proper verification 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations XXXX has provided no documentation with my signature, no contract, no account application, and no evidence tying me to this alleged debt. They continue to report and attempt to collect without proof, which violates both the FDCPA and the FCRA. They attempted to send be printout of statements. I dont recognize any of them. 

I am requesting that the CFPB require XXXX to produce actual validation, not generic printouts, or delete the account entirely and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXXXXXX XXXX XXXX a credit card account for Best Buy was opened without my knowledge. I am going to contact the Beat Buy company to get the information of the store location, date and time that the credit line was created.

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 2025-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
In XX/XX/year> Aidvantage was served with a dispute for the amount they claim owed. That dispute requested copies of all master promissory notes signed by me ; and all chain of custody documentation ( showing legal transfers of servicing rights ). 

They were asked to cease and desist all collection efforts until this account could be verified. 

As of the date of this Complaint ( XX/XX/year> ) Aidvantage has failed to provide ANY REQUESTED DOCUMENTATION and continues to contact me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I am filing this complaint because Achieve Personal Loan is continuing to report a fraudulent charge-off on my credit reports, even though I am a victim of identity theft and have provided all required documentation under the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Account Details : - Creditor : Achieve Personal Loan - Account Type : Personal loan - Status : Charge-off - Date Reported : XX/XX/year> - Reported To : XXXX XXXX XXXX I did not open this account. 

- My FTC Identity Theft Report - My police report - Proof of my identity and address - A written dispute stating the account is fraudulent Despite receiving all legally required documents, Achieve Personal Loan has : - Failed to conduct a reasonable investigation - Failed to stop reporting the fraudulent account - Failed to notify XXXX XXXX XXXX  to remove or block the account - Continued to furnish inaccurate, identity-theft-related information XXXX XXXX XXXX  have also failed to block the fraudulent account under FCRA 605B, which requires them to block identity-theft-related information within four business days after receiving valid identity theft documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing a complaint against the debt collection company Midland Credit Management Inc. On XX/XX/year>, I received a Pre-Legal Notification email from the company stating that if I did not respond, they would forward my account to an attorney. 

On XX/XX/year>, I sent a certified letter requesting that the company provide complete and competent evidence of any contractual obligation requiring me to make payment to them. Specifically, I asked for : The creditors name and full address The full account number The amount of the debt The due date of the debt The original charge-off or delinquency date A copy of the original agreement or contract An explanation of how the debt was calculated Evidence that the debt is within the States applicable Statute of Limitations The name of the collection agency or owner of the debt The amount paid if the debt was purchased A completed and executed agreement, including signature pages Documentation of the chain of assignment The company did not provide the full account number, the original charge-off or delinquency date, a copy of the original agreement or contract, evidence that the debt is within the applicable Statute of Limitations, the amount paid if the debt was purchased, signed agreement pages, or documentation of the chain of assignment. 

Instead, the company sent only a copy of a billing statement along with another Pre-Legal Notification letter dated XX/XX/year>. This date is inaccurate, as the company did not have my mailing address until after I sent my certified letter. Prior to that, the company communicated with me only by email. Additionally, the company used the wrong apartment number on all of their letters, and this incorrect address is now being reported on my credit file. 

I later received a final notice from the company stating that failure to respond could result in an attorney review. 

On XX/XX/year>, the company filed a civil lawsuit with my local municipal court. I discovered this only after receiving a letter from a local bankruptcy attorney on XX/XX/year>. I was never notified by Midland Credit Management or their attorney about the filing because of the invalid address being used. Despite the company stating that I would receive a copy of the lawsuit. Additionally, I have file a compliant with the Better Business Bureau about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am disputing the reporting of a late payment on my Santander Bank, N.A. auto loan account, last 4 digits 1000. The payment has been incorrectly reported as late to XXXX XXXX XXXX XXXX for the years XXXX and XXXX. 

According to 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless reasonable procedures have been adopted to ensure that the periodic statement including all information required under 15 U.S.C. 1637 ( b ) was delivered to the consumer no less than 21 days before the payment due date. I have requested that Santander Bank provide copies of all statements related to this account, documentary proof that the statements included all required information under 15 U.S.C. 1637 ( b ), and evidence that the statements were delivered at least 21 days prior to the payment due date.

Additionally, under 15 U.S.C. 1681s-2 ( 7 ), any financial institution reporting negative information to a credit reporting agency must notify the consumer in writing within 30 days. I have requested evidence that such notification was provided as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this letter to report that I am a victim of identity theft, and XXXX XXXX is continuing to furnish a fraudulent account on my credit report, even though I have already notified themand the credit bureausthat this account does not belong to me. 

I have made multiple disputes, and XXXX XXXX has failed to follow the proper procedures required under federal law. They continue to report this fraudulent account, causing harm to my credit, finances, and personal security. 

Attached to this submission, you will find my police report documenting the identity theft. This report confirms that the account in question is not mine, was not opened by me, and is part of an identity-theft incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: IN

Complaint narrative:
First Horizon is reporting a closed checking account that I had with them to XXXX which is my non-public personal information that I did not and do not consent to them sharing with third party consumer reporting agencies and they are in violation of federal laws for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NM

Complaint narrative:
XXXX of XXXX  XXXX  a personal loan was taken out for {$20000.00} from XXXX XXXX. Within XXXX months it's now a charge off. I didn't even know about the loan. I rarely use my XXXX XXXX account because I primarily use 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 non-monetary relief
Consumer complaint received 2025-11-21 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: NM

Complaint narrative:
XXXX of XXXX  XXXX  a personal loan was taken out for {$20000.00} from XXXX XXXX. Within XXXX months it's now a charge off. I didn't even know about the loan. I rarely use my XXXX XXXX account because I primarily use XXXX XXXX.

Company response to consumer: Closed with non-monetary relief