vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have been making payments on my vehicle through Bridgecrest for over three years. Suddenly, they are refusing to give me any account information or accept payments because they claim my name in their system does not match my legal name. This has never been an issue in the entire time Ive had this account. I have provided my correct legal first and last name, which Ive used since the beginning of this loan. Despite this, Bridgecrest is refusing to provide my balance, the amount needed to cure the default, or even discuss the account with me, while threatening repossession. 

This is a stall tactic and an unfair debt collection practice. It appears they are intentionally refusing payments to push toward repossession, despite knowingly accepting payments under this name error for years. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ), state consumer protection laws, and UCC regulations regarding secured lending. 

I am requesting that Bridgecrest immediately provide me with my current account balance, allow me the opportunity to bring the account current, and stop all repossession activity until this is resolved. Their refusal to correct their own clerical error and refusal to accept payment is unethical, deceptive, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FB FINANCIAL CORPORATION
State: KY

Complaint narrative:
Summary : Between XXXX and XXXX, my XXXX debit card XXXX was used for {$79000.00} in unauthorized XXXX XXXX and XXXX XXXX transactions. 

XXXX : XXXX : I reported the fraud by phone and had XXXX canceled. 
XXXX : XXXX with FirstBank fraud XXXX; told XXXX days will be covered. 
XXXX : I received XXXX final determination letters denying most debits. 
XXXX : Filed FTC XXXX Report # XXXX and XXXX XXXX XXXX Case # XXXX. 
XXXX : I sent a formal written demand for provisional credit of {$79000.00}. 
XXXX : RegE XXXX provisionalcredit deadline passed with no action. 

Regulation XXXX violations : I gave oral notice on XXXX. Under XXXX ( c ) ( XXXX ), FirstBank was required to credit my account within XXXX business days ( by XXXX ) but did not. 
Under XXXX ( b ) ( XXXX ), the XXXX notice period extends for my documented medical incapacity, making the full {$79000.00} eligible for provisional credit. 

XXXX protocols : CFPB XXXX and XXXX XXXX require expedited handling and Suspicious Activity Report filing for customers XXXX. 

Requested remedy : XXXX provisional credit of {$79000.00}. 

XXXX XXXXs for any remaining debits. 

Written confirmation and casemanager assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FlexShopper, Inc
State: NY

Complaint narrative:
This account is being reported as XXXX XXXX XXXX but is also associated with XXXX XXXX. I never received verification or proof of this account being mine, and I did not authorize or sign any contract with either entity.

Under FCRA 609 ( a ) and FDCPA 809, I requested a copy of the original signed agreement and full itemization of the debt. The company has not complied.

I request deletion of this account due to failure to verify and report accurately. This has caused harm to my credit score and was never properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request verification and documentation regarding an account that is currently being reported by your agency and appears on my credit report. 



Account Information : Current Creditor / Debt Buyer : Portfolio Recovery Associates Original Creditor : Unknown at this time Account Number ( Last Four Digits ) : XXXX Balance Reported : {$490.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account {$490.00} Past Due as of XX/XX/XXXX Status Last Updated : XX/XX/XXXX Credit Bureau Reporting Agencies : XXXX XXXX XXXX This request is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 609 ( a ) ( 1 ) right to request all information in my credit file Section 611 ( a ) right to dispute and request deletion of any inaccurate or unverifiable information Section 611 ( a ) ( 7 ) right to request the method of verification used to confirm accuracy of reported information Accordingly, I request the following documentation and information : 1. The date of first delinquency on the original account 2. The date of the last payment made on the original account 3. The date the account was charged off, if applicable 4. The date the account was sold, transferred, or assigned to Portfolio Recovery Associates 5. The date this account was first reported to XXXX XXXX XXXX XXXX 6. A copy of any original contract or signed agreement that verifies this debt and includes my signature 7. The name and contact information of the original creditor 8. A full explanation of the method of verification used to confirm the accuracy of this account on my credit file Please respond to this request in writing only. I do not consent to phone, email, or text communication. I request that all responses be mailed to the address provided above for documentation purposes. 

If your agency can not provide full and accurate verification of this account, I respectfully request that it be deleted or corrected from all credit reports in accordance with FCRA 611 ( a ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Last 4 digits of XXXX : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
XX/XX/year> XXXX Account XXXX : XXXX # XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Credit Bureaus Notified : Equifax, Experian, TransUnion Previous Contact Methods : Certified letters to the credit bureaus and direct communication with XXXX Description of the Issue : I am submitting this formal complaint regarding a credit account reported under the name XXXX, with account number XXXX, which does not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three credit bureaus ( Equifax, Experian, and TransUnion ) stating that this account is not mine.2. I contacted XXXX directly requesting verification and immediate removal of this inaccurate account.To date, I have not received any response from the company, and the inaccurate information has not been corrected in my credit reports. This is negatively affecting my credit score and causing undue financial and personal harm.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was denied opening an account and told to call a number to find out it was multiple accounts in my name and if Im not mistaken all of them was closed and overdrawn! I was a victim of identity theft in 2012 Im not sure if that may have something to do with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
XXXX XXXX XXXX has been threatening me saying that they will send officers to my house and arrest me if I do not pay, the debt is over XXXX XXXX XXXX. When the debt was about to be removed from my credit report due to age, they took it off and resubmitted with a new date so it would start over. Re-ageing debts is illegal and I can not get anyone to help me, I have been disputing this every month with equifax and they still will not remove it, I got it removed XXXX time and they put it right back on my credit report with a new date so it just keeps starting over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year> walking out of XXXX store I found out that somebody is broken into my account again and was stealing money find coinbase XXXX  I immediately contacted venmo and told them that somebody was breaking into my account and that I want to stop demo did nothing I also contacted coinbase and told them that I wanted this transaction to stop and that is an unauthorized transaction and they did nothing it was an unauthorized transaction I don't care what anybody says they're trying to say that I did this transaction I will fight this in court you can give me a lie detector set or whatever you want to do to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$24000.00} XXXX  XXXX XXXX XXXX XXXX : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$24000.00} XXXX  XXXX XXXX XXXX XXXX : {$1500.00}

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 non-monetary relief
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
Unfortunately, Equifax and XXXX was directly involved in one of the breaches that contributed to my identity being compromised, I expect a higher standard of care in promptly addressing and correcting the damage caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 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:
Unfortunately, Equifax and XXXX was directly involved in one of the breaches that contributed to my identity being compromised, I expect a higher standard of care in promptly addressing and correcting the damage caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I am disputing multiple collection accounts that are inaccurately appearing on my credit reports and may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts have not been properly validated and are negatively impacting my credit profile. 

First, XXXX XXXX XXXX ( Account # XXXX ) has failed to provide a complete and accurate debt validation as required under 15 U.S. Code 1692g. I requested documentation, including a signed agreement and a full payment history, but did not receive sufficient evidence that this debt is valid or that they have the legal right to collect on it.

Second, XXXX XXXX XXXX is reporting two separate accounts for XXXX XXXX XXXX ( Account # XXXX ) with balances of {$1500.00} and {$1200.00}. These accounts appear to be duplicates. Despite prior requests for debt validation and verification of the amounts, XXXX has not produced the required documentation. Under FCRA 1681i, information that can not be verified must be deleted. These accounts also violate 1692g due to failure to validate and 1692e due to possible misleading representation. 

Third, XXXX XXXX XXXX is reporting two accounts for XXXX XXXX XXXX  ( Account # XXXX ) with balances of {$580.00} and {$510.00}. These accounts appear to have been re-aged and reported with inaccurate information regarding the date of last activity. This is a violation of FCRA 623, and they have not responded with proper validation as required under FDCPA 809 ( b ). 

Lastly, XXXX XXXX XXXX XXXX is reporting a collection account in the amount of {$3200.00} without providing sufficient validation or documentation. No original contract or complete itemized statement has been produced to confirm the legitimacy or accuracy of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all information related to how this debt was verified, and they have failed to comply.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disputing multiple collection accounts that are inaccurately appearing on my credit reports and may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These accounts have not been properly validated and are negatively impacting my credit profile. 

First, XXXX XXXX XXXX ( Account # XXXX ) has failed to provide a complete and accurate debt validation as required under 15 U.S. Code 1692g. I requested documentation, including a signed agreement and a full payment history, but did not receive sufficient evidence that this debt is valid or that they have the legal right to collect on it.

Second, XXXX XXXX XXXX is reporting two separate accounts for XXXX XXXX XXXX ( Account # XXXX ) with balances of {$1500.00} and {$1200.00}. These accounts appear to be duplicates. Despite prior requests for debt validation and verification of the amounts, XXXX has not produced the required documentation. Under FCRA 1681i, information that can not be verified must be deleted. These accounts also violate 1692g due to failure to validate and 1692e due to possible misleading representation. 

Third, XXXX XXXX XXXX is reporting two accounts for XXXX XXXX XXXX  ( Account # XXXX ) with balances of {$580.00} and {$510.00}. These accounts appear to have been re-aged and reported with inaccurate information regarding the date of last activity. This is a violation of FCRA 623, and they have not responded with proper validation as required under FDCPA 809 ( b ). 

Lastly, XXXX XXXX XXXX XXXX is reporting a collection account in the amount of {$3200.00} without providing sufficient validation or documentation. No original contract or complete itemized statement has been produced to confirm the legitimacy or accuracy of this debt. Under FCRA 609 ( a ) ( 1 ), I have the right to request all information related to how this debt was verified, and they have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was Calculated.

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 2025-07-02 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:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

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