vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
My auto loan with Bridgecrest XXXX, also operating under XXXX and XXXX, was refinanced through a new lender in late XX/XX/year>. The new auto loan was opened on XX/XX/year>, and the refinance payoff of the Bridgecrest account was initiated during that same period. Due to standard inter-lender processing timelines, Bridgecrest received the payoff funds in early XX/XX/year>, and the account was subsequently closed and paid in full. 

Despite the active refinance and payoff process, Bridgecrest reported a XXXX late payment for XX/XX/year>. This reporting inaccurately characterizes the status of the account during that billing cycle. At no time was I willfully delinquent, in default, or failing to satisfy my obligation. The payment timing reflects a refinance settlement window rather than missed consumer payment behavior. 

Under the Fair Credit Reporting Act, furnishers are required to report information with maximum possible accuracy and to correct information that is misleading or materially incomplete. Reporting a delinquency during a confirmed refinance payoff period, followed by immediate account closure, does not reflect the true status of the account and is misleading to users of the credit report. 

I previously disputed this matter through the credit bureaus, yet the inaccurate late payment continues to be reported. I am requesting that Bridgecrest correct or remove the inaccurately reported 30-day late payment for XX/XX/year> and update all consumer reporting agencies accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: MA

Complaint narrative:
I am a victim of identity theft and have filed an official Federal Trade Commission Identity Theft Report ( FTC Report Number : XXXX, filed XX/XX/XXXX ). Despite providing this official documentation to the credit bureaus, fraudulent accounts resulting from identity theft continue to appear on my credit reports maintained by TransUnion, XXXX XXXX XXXX 

Three fraudulent accounts that I did not open, authorize, or benefit from in any manner are currently damaging my credit profile : FIRST FRAUDULENT ACCOUNT : XXXXXXXX XXXX XXXX This is a fraudulent personal/business loan with a reported high balance of approximately XXXX XXXX XXXX The account shows late payment history that I never incurred. This account was opened through identity theft beginning in XX/XX/XXXX, which I discovered in XX/XX/XXXX. 

SECOND FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - First fraudulent unsecured loan/auto loan showing delinquent status with sixty-day late payments. This account was fraudulently opened in XX/XX/XXXX and discovered in XX/XX/XXXX. The account is reported as closed but shows damaging late payment history. 

THIRD FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) - Second fraudulent unsecured loan showing multiple thirty-day late payment marks. This account was also fraudulently opened in XX/XX/XXXX and discovered in XX/XX/XXXX. The account shows a pattern of delinquency that I never created. 

I have provided all three credit bureaus with my complete FTC Identity Theft Report, government-issued identification, proof of address, and Social Security card . Under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are legally mandated to block information resulting from identity theft within four business days of receiving proper documentation.

These fraudulent accounts are causing substantial and irreparable damage to my creditworthiness, credit score, and financial reputation. The false delinquency information is preventing me from obtaining credit, employment opportunities, and housing. The credit bureaus have a legal obligation to immediately block and permanently remove this fraudulent information from my credit file.

I am also demanding the removal of all credit inquiries associated with these fraudulent accounts, as they were made without my knowledge or consent as part of the identity theft scheme.

The continued presence of these fraudulent accounts on my credit reports constitutes willful non-compliance with the Fair Credit Reporting Act. I am simultaneously filing this complaint with the Consumer Financial Protection Bureau and notifying the Office of the Attorney General of the Commonwealth of Massachusetts.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am disputing a {$270.00} charge from XXXX in mid XXXX that Discover has incorrectly upheld. This is not a " item not received '' case. It is a documented cascade of XXXX system failures leading to an unauthorized charge. 
1. Failed Verification : My order triggered a faulty fraud check. An XXXX agent confirmed my documents were correct but said, " I don't know why you're getting these errors. '' 2. Failed Cancellation : I successfully cancelled the entire order. XXXX 's system ignored it, shipping a laptop over 24 hours later and charging my card. A charge for a cancelled item is unauthorized. 
3. Failed Resolution : An XXXX specialist promised a fix. A later agent confirmed the specialist 's ticket failed due to a " system error. '' 4. Catastrophic Account Corruption ( Key Evidence ) : This transaction destroyed my XXXX account. 
o Attempting to log in resulted in an error that " no account existed '' with my correct email/phone. 
o To use XXXX again, I was forced through an automated process to overwrite and delete the original account to create a new, empty one. 
o The corruption persists. When I call now, I am greeted as a XXXX member, but agents are then told " no account is associated with this number '' a direct system contradiction. 
5. Incomplete Delivery Proof : A delivery scan exists, but XXXX provides no photo proof ( standard for laptops ). I never received the package. 
Discover 's investigation ignored this context, relying only on an order receipt and delivery scan from XXXX 's broken systems. They have re-charged me and warned it's my " last attempt, '' despite overwhelming evidence of merchant error. 
Desired Resolution : Discover should permanently remove the {$270.00} charge and correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed. I received a letter from Resurgent stating that my vehicle was repossessed due to an alleged breach of agreement. In response, I mailed Resurgent a letter informing them that I never entered into an agreement with their company. Additionally, I mentioned in the letter that over a year ago, I sent a certified letter requesting Resurgent to provide copies of all relevant documentation pertaining to the account in question, as well as a detailed and comprehensive history of the account statements associated with this debt. I emphasized that failure to furnish the necessary documentationspecifically, proof of my signature and an exhaustive account statementwould be unacceptable. To date, Resurgent has not provided the documentation I requested. 
In response to the closed ticket no. XXXX XXXX XXXX noted the company response, which states : there is litigation involved on XX/XX/year> The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. 

My ongoing litigation with Resurgent has no bearing on this complaint. For over a year, I have been persistently requesting that Resurgent furnish me with essential documentation that falls under the purview of the Consumer Financial Protection Bureau. I have attached documents that Resurgent continues to mail me, yet Resurgent continues to ignore my requests. Despite my repeated efforts, they have failed to provide the requested information. I would like to file seek legal action against Resurgent for their blatant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Ive requested along with a certified hand delivered along with a signature mail requesting [ MIDLAND CREDIT MANAGEM ] [ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX [ XXXX, MI, XXXX [ MIDLAND CREDIT MANAGEM ], to formally dispute the debt referenced above, as it has been reported to me, and request validation under the Fair Debt Collection Practices Act ( FDCPA ). To properly assess the validity of this debt, I request the following documentation : 1. * * Forward Flow Agreement * * : Please provide any forward flow agreement or contract that details the terms under which you acquired the debt in question.

2. * * Chain of Assignments * * : I request a complete chain of assignments showing the transfer of ownership of this debt from the original creditor through all parties to the present agency.

3. * * Account-Level Documentation * * : Detailed information regarding the account, including the original balance, any payments made, interest rates, fees, and any other charges that may have been applied. 
Providing this documentation is necessary for me to verify the legitimacy of the debt and my obligation to pay it. I would appreciate receiving this information within 15 days of your receipt of this letter. 
If you are unable to supply the requested documents, I ask that you cease all collection activities associated with this account and remove any negative reporting from my credit file. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are multiple incorrect and outdated addresses appearing on my credit report. I only have ONE current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 
I have requested these inaccurate addresses to be removed, but they remain on my report. These incorrect addresses are causing inaccurate reporting and potential file-mixing. I am requesting that ALL outdated or incorrect addresses be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I have never did business with them sent text messages and calls after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
They took my name to credit bureau that o own a company they are representing, i have asked them to send me a documentation but they dont have any information just my name and SSN, the address they have i dont leave at that address and i dont want to give them my actual address they will start sending me letters which I am trying to avoid, so please please do not forward my address to them, ask them to provide you with my address they will give you the wrong one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I had an unauthorized charge on my card for Toppers pizza in the amount of {$70.00}. My XXXX account had been hacked so this was not the only compromised account. The other financial institutions handled their end. My accounts are secured now. But I have had an increasingly difficult experience with chime dispute. Firstly, I was unable to file in app which terms & Conditions state we can. So I emailed the email for claims which their terms gave. I emailed them XX/XX/XXXX " XXXX XXXX Account Number : XXXX XXXX I have unahthorized charges on my account. As you can see, I have been needing to get a new debit card repeatedly for a couple months now. Finally found out my XXXX account had been compromised. 

I tried to file this in the app, the virtual assistant said I must call, but I have a decade in banking and I know this will have to be in writing, so I am emailing this as my notice of unauthorized XXXX transactions using my Chime Debit card. I did not do these nor did I give anyone my information or access to my access device. See below the three unauthorized transactions. Also, if you look at my history, I was on business trip in Wisconsin when the XXXX charge occured, in Wisconsin, middle of the night. I had my card with me. I was asleep, you can note i was awake at XXXX XXXX and on the road to a XXXX XXXX by XXXX. I dont know what is going on but this is the second time ive had to file a dispute regarding Toppers. 
{$70.00} XXXX XXXX XXXX Thu, XX/XX/XXXXXXXX XXXX XXXX '' I followed up in app. Told me to call. On hold over 15 mins no agent took my call. Emailed on XX/XX/year>. No response. On XX/XX/XXXX, I received an email that my claim had been filed. I have had supporting documentation that the app says " trouble uploading your file. " i ask to speak to an agent to be able to submit documents & am told to call. I can not submit documents via phone call. Still I call & experience LONG hold times never getting an agent. Ive reported this in app & jade wont even transfer me to an agent. She just repeats that I can only do it via phone call. I have wasted hours now on hold, im not calling. Also, I submitted & followed up over A MONTH AGO, there has been no error resolution OR no communication about extended investigation/provisional credit. I am so frustrated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Service International Corp
State: FL

Complaint narrative:
Credit Service International is reporting a {$2100.00} medical collection for XXXX XXXX XXXX. The account was assigned on XX/XX/XXXX and is reported as unpaid with a date of first delinquency of XX/XX/XXXX. I disputed this account through XXXX, but the furnisher did not provide any validation of the debt, including proof of balance accuracy, itemized charges, or documentation of ownership. The company has not verified that it has the legal right to report or collect this account. The information remains inaccurate and unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: MD

Complaint narrative:
The debt claimed by XXXX was dismissed with prejudice on XX/XX/year> in XXXX  XXXX XXXX case XXXX. The PLAINTIFF, UHG , LLC ( UHG, I ) subsequently resold this account to XXXX, knowing that is was dismissed. 

The claim underlying the alleged debt was dismissed by final court order The obligation is extinguished and void Any future assignment, sale, or placement : Transfers no enforceable rights Constitutes misrepresentation of legal status Exposes both transferor and transferee to liability on XX/XX/year>, notice was sent from XXXX XXXX ( via email ) to the XXXX  ( originator ), UHG, and XXXX to cease attempts to collect this debt. 

Under FDCPA and common-law principles, notice converts negligence into willfulness Any buyer after notice can not claim bona fide error On XX/XX/year>, I discovered that XXXX was reporting this as a collection account to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was getting a money order from the post office when their system froze. It used to be two money orders for the total of {$1500.00}. Post Office told me that more than likely the money would go back into my account at Cash app. The money did not go back they had me dispute the amount with Cash App. Cash App is not denied the first claim because they didn't hear my answer and answered it wrong and I appealed it and now they're taking 45 days to give me my money back. It was my student loan money and I needed it for bills and rent. I ended up getting other money orders so that I could get a place to live because I was homeless at the time but they want to keep investigating until XX/XX/XXXX. I've tried to XXXX XXXXf since then I've been able unable to buy my books for school or food or anything and they've offered me no solutions other than to wait till XX/XX/XXXX that will ruin my XXXX. I can't go see my family. I can't get gas. I've had so much emotional distress since this it's overwhelming. I filed several complaints with Cash App and they have still not returned the money. The post office shows no transaction in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
This letter is formal written notice that the account ( s ) below were opened or used fraudulently and without my authorization. Your company issued credit using my compromised personal information, constituting an unauthorized extension of credit under the Fair Credit Reporting Act ( FCRA ). Effective immediately, you are directed to cease all communication with me regarding this account ; cease furnishing, verifying, or reporting this account to any consumer reporting agency ; and block and delete all information associated with this fraudulent account from your internal systems and all third-party databases within four ( 4 ) business days of receiving this notice, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You must also notify all consumer reporting agencies ( Experian, Equifax, and TransUnion ) that this account has been determined to be fraudulent and must be deleted and suppressed from future reporting, consistent with FCRA 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
This letter is formal written notice that the account ( s ) below were opened or used fraudulently and without my authorization. Your company issued credit using my compromised personal information, constituting an unauthorized extension of credit under the Fair Credit Reporting Act ( FCRA ). Effective immediately, you are directed to cease all communication with me regarding this account ; cease furnishing, verifying, or reporting this account to any consumer reporting agency ; and block and delete all information associated with this fraudulent account from your internal systems and all third-party databases within four ( 4 ) business days of receiving this notice, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You must also notify all consumer reporting agencies ( Experian, Equifax, and TransUnion ) that this account has been determined to be fraudulent and must be deleted and suppressed from future reporting, consistent with FCRA 623 ( a ) ( 2 ).

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Today I received XXXX notifications that my card has been used XXXX  and XXXX in NY. I have my card in my possession and have not used it at all other than to pay the bill on XXXX today XX/XX/year> transactions were made for XXXX and XXXX not authorized by me. I called immediately and asked to have transactions stopped and reversed and my account closed they began to ask me for my bank account number last 6 digits then sent a code to my phone and asked for the code which is not safe to give under these circumstances and with me having anther account with XXXX compromised in this same exact manner. I should not needed to give you the code on my phone that sounds fraudulent. I'm not sure if that process is correct but I am still not able to get into another account that was fraudulently stolen in the same manner with XXXX XXXX  and do not feel comfortable giving that information. The account needs to be closed and the XXXX transactions reversed.

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