vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: Rent Recovery Solutions
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
- on XX/XX/year> Javitch block llc sent me a debt collection letter concerning a personal loan from XXXX XXXX XXXX 
- I sent request for debt validation on XX/XX/year>, which was received promptly - I began sending good faith settlement amount with payment plan offers on or about XX/XX/year> - I have since sent email communications 9 plus times and XXXX XXXX continues to ignore my good faith effort to resolve this issue.

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 2025-11-19 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have XXXX additional duplicative charges on my XXXX XXXX  card by XXXX XXXX. The receipts for plane tickets are reconciled and do not match the billing on file. I have requested those extra charges be eliminated to Chase XXXX and was told I was outside of the XXXX  day window to file this complaint. THE XXXX even states that I have up to XXXX  days to file this. The financial statement audits even for the IRS can go back as far as XXXX  years, why is a credit card permitted to not look into anything after that is not even a full quarter. They have not filed the claim to remove these. The concern with overcharging busy hard working Americans who use their cards to leisure or business is absolutely diabolical and should be exposed. I will completely own any late fees or charges, which I have, do and have paid off and my excellent XXXX XXXX shows as such. XXXX Chase and XXXX XXXX will overcharge, duplicative charge, alter and not inform customers and I feel that this should strongly be looked into by authorities as these tactics are very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The companies reporting derogatory delinquency inaccurate moves of collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am disputing inaccurate credit reporting by Chrysler Capital regarding my former leased vehicle. I voluntarily surrendered the vehicle in XX/XX/year>. Chrysler Capital sent me an official Accounting for Sale of Leased Motor Vehicle notice after the vehicle was sold at auction on XX/XX/year>. The documents show : VIN Ending : XXXX Account Ending : XXXX Sale Date : XX/XX/year> Early Termination Liability : {$16000.00} Total Amount Due ( deficiency ) : {$19000.00} Lease has been terminated, with no ongoing monthly payments. 

Despite the lease being terminated and the vehicle disposed of, Chrysler Capital continues to report this account as OPEN on my credit reports. Additionally : The account status shows Open, even though the lease is closed. 

Payment history is shown through XX/XX/year>, then No Info, instead of reporting the account closed. 

It incorrectly shows a 6089 day late status, even though the lease was surrendered and terminated. 

A Reported Balance was updated 2 days ago, which falsely implies an active auto loan. 

This is not accurate under the FCRA and does not follow XXXX XXXX reporting guidelines for a closed lease with a deficiency balance. 

A deficiency balance after lease termination must be reported as a closed account with a charged-off or collection balance, not as an open, active auto loan. Chrysler Capital has already corrected the balance ( after my previous dispute ), which shows they can verify the account but they did not correct the open status or the payment reporting errors. 

The full account number is XXXX and the documents provided came directly from Chrysler Capital and match the account on my credit file. 

This inaccurate reporting is harming my credit and is preventing me from rebuilding after surrendering the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
After checking on myannualcreditreport I noticed a collection from Resurgent/LVNV in the amount of {$730.00} and I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt please provide to me the way you have verified the debt this debt this is FDCPA and FCRA laws non compliant. This is unfair practices and can lead to legal matters if matters arent resolved properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-19 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: MO

Complaint narrative:
The company has failed to resolve any of the issues documented in the screenshots and files I uploaded. My evidence clearly shows repeated FCRA violations, including re-aging, duplicate reporting, improper investigations, and unauthorized access to my credit file. The screenshots show inconsistent dates, unverifiable data, internal contradictions, and entries that the company has never validated. 

Their responses do not address a single item I submitted. They continue to give generic statements despite detailed proof showing reporting errors and compliance failures from XXXX through XXXX. Multiple accounts reflect verified status with no actual verification, and several entries were changed without any notice required under 611 and 623. I also provided evidence of identity issues and mismatched data that the company ignored entirely. 

The documentation I uploaded demonstrates a clear pattern : the company is not investigating, not validating, and not correcting. Their response is incomplete, inaccurate, and avoids the issues. I am requesting immediate CFPB review, enforcement, and a full investigation into the companys repeated noncompliance

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 2025-11-19 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX CREDITACPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
The documents I am submitting with this complaint are provided strictly to demonstrate the nature and severity of Bridgecrests procedural failures, privacy violations, and substantiation issues. Bridgecrest mailed meunsolicited and without any request from mea complete repossession and deficiency packet that belonged to a completely different consumer. This disclosure included the other consumers name, address, loan number, VIN, repossession information, sale details, deficiency balance, and other financial data. 
To avoid repeating the privacy breach, I have fully redacted all personally identifying information before submitting any portion of those documents to the Consumer Financial Protection Bureau. The attached redacted pages are being provided solely to illustrate : That Bridgecrest disclosed another consumers confidential financial documents to me, which constitutes a serious violation of the FCRA, the GLBA, the FTC Safeguards Rule, and basic data-security obligations. The redacted documents attached to this complaint are being submitted in good faith to support my position while ensuring the continued protection of the other consumers personal information. That the mistakenly disclosed packet contains internal accounting inconsistencies, mathematical errors, and contradictory deficiency calculations, which demonstrate that Bridgecrest does not maintain reliable systems, accurate records, or the required procedures to ensure the accuracy and integrity of the information they furnish to the credit reporting agencies. Bridgecrests own documents contradict their previous statements made to the CFPB regarding my account, including failing to provide substantiation, failing to conduct a reasonable investigation, and reporting information that conflicts with their own written admissions. Bridgecrest has admitted in their formal CFPB response that they did not repossess my vehicle, did not recover their collateral, and allowed the towing facility to sell the vehicle independentlyyet they continue to report derogatory information related to repossession, deficiency, or post-sale accounting that they can not possibly substantiate under CFPB Circular 2022-07, FCRA 623, Regulation V, or XXXX standards XXXX 
All evidence submitted is intended to show a clear pattern of procedural deficiencies, inaccurate reporting, unsubstantiated verification, and failure to comply with federal requirements regarding consumer information, investigations, and data furnishing. 
Because Bridgecrest : disclosed another consumers financial data to me, admitted they did not repossess or sell my vehicle, can not substantiate the tradeline they are furnishing, failed to provide a valid method of verification, sent contradictory and inaccurate statements about my account, and created multiple compliance and privacy concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Letters were sent to credit bureaus on XX/XX/XXXX to remove all inquires as they were unauthorized by me. I also requested that my personal information be updated to XXXX XXXX XXXX and to remove any name ( XXXX ) that are not displayed as requested. I also requested that my address be updated to XXXX XXXX XXXX XXXX XXXX NC and for all previous addresses be removed that are not displayed as the address requested for my personal contact information. There has been no change since I have requested this information. 

Letters were mailed to : Equifax : P.O. Box XXXX, XXXX, GA XXXX Experian : P.O. XXXX XXXX, XXXX, TX XXXX TransUnion : P.O. XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for failing to properly investigate a fraudulent and unauthorized charge of {$2600.00} from XXXX that posted to my Navy Federal cashRewards Secured Visa ( card ending in XXXX ). 

On my account, a charge of {$2600.00} from XXXX was processed without my authorization, without itemization, and without any communication from the merchant explaining the charge. I never approved this amount, and I was never informed of any additional fees beyond the standard rental charges. The amount is excessive, unexplained, and does not match the information on the official XXXX receipt. 

Despite my dispute, Navy Federal : Closed the fraud claim without conducting a thorough or reasonable investigation Did not request or review documentation from XXXX Did not provide any written explanation of how they determined the charge was valid Allowed a secured credit card to be pushed over its credit limit Allowed a transaction to exceed the secured deposit, which should not be possible Failed to provide provisional credit during the dispute, as required by the Fair Credit Billing Act ( FCBA ) My secured card balance has now been pushed to {$3600.00}, almost triple my available credit limit, solely due to this unauthorized charge. This has caused financial harm and over-limit status on a card that should never be able to exceed the deposited security limit. 

I completed Navy Federals fraud questionnaire, explaining that : The card remained in my possession at all times The merchant misused my stored card information I never received any merchandise or service worth {$2600.00} I did not approve or authorize this amount The charge is fraudulent and inconsistent with my rental documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Account was placed on Forbearance on XX/XX/year>, no payments were required pending approval for Total and Permanent Disability Discharge. On XX/XX/XXXX of XXXX  the XXXX  discharge was approved. Due to an error on the end of XXXX ( they admitted this ) these accounts were not properly placed on forbearance although they should have been. This lead to the accounts being late and being reported to my credit as being delinquent, although the discharge process had already begun, and the accounts are currently paid off. These reports of late payment should never have been submitted to my credit, and when I asked them to correct it they should have done so with either a rapid rescore or a Universal Data Form correction, not tell me to wait until their credit reporting next month. None of this is my fault, this is a failure by XXXX. This violates the Fair Credit Reporting Act for furnishing inaccurate information and failing to correct information after being notified during my previous phone calls with XXXX. This also violates the Higher Education Act as loans in XXXX  review or in XXXX  discharge status can not be reported delinquent.

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