vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NM

Complaint narrative:
I obtained vehicle financing through Bridgecrest / XXXX for a XXXX XXXX XXXX. The loan carries a high interest rate and payment structure that appears excessive and potentially predatory under fair-lending standards. 

1 Predatory or Misrepresented Lending Terms Bridgecrest failed to provide clear, accessible disclosure of the true annual percentage rate, finance charges, and amortization schedule as required under the Truth in Lending Act ( 15 U.S.C. 1638 ). The interest allocation pattern raises concern that the loan may use front-loaded or pre-computed interest practices.

2 Lack of Required Documentation The Bridgecrest customer portal provides no downloadable copy of my original Retail Installment Sale Contract or Truth-in-Lending disclosures. The original DocuSign link from the dealership has expired and there is no way to view or retrieve the executed contract through their website. This lack of access prevents verification of the loans terms and compliance with federal lending-disclosure standards.

3 Unauthorized / Inaccurate Loan Modification Bridgecrest generated a Loan Modification Agreement dated XX/XX/XXXX that bears what appears to be my electronic signature. I never reviewed or consented to any modification on or around that date. If my stored signature was applied without authorization, this constitutes an unauthorized electronic signature and a violation of the E-SIGN Act ( 15 U.S.C. 7001 et seq. ) and TILA. I am requesting production of the DocuSign Certificate of Completion/ audit log for this document to verify authenticity.

4 Borrower Misclassification and Credit Reporting Errors My co-applicant agreed only to act as a co-signer / guarantor to help qualify for the loan. However, Bridgecrest and XXXX listed her as a joint borrower / co-buyer, resulting in the full loan balance being reported on both of our credit files. This role change was never disclosed or consented to and constitutes a misrepresentation of borrower identity under TILA 1638, inaccurate furnishing under the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ), and a potential unfair or deceptive act or practice ( UDAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I viewed my credit report on XXXX  with an unfamiliar debt from PayPal asking for {$430.00}. Its apparently in Collections listing XXXX XXXX XXXX, despite not receiving any communication. I have a reason to believe its fraudulent and unfamiliar. Its reported in XX/XX/year> and in collections from XX/XX/year>. I did not take a loan in XX/XX/year> at PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I viewed my credit report on XXXX  with an unfamiliar debt from XXXX asking for {$430.00}. Its apparently in Collections listing Jefferson Capital LLC, despite not receiving any communication. I have a reason to believe its fraudulent and unfamiliar. Its reported in XX/XX/year> and in collections from XX/XX/year>. I did not take a loan in XX/XX/year> at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: NC

Complaint narrative:
DEPTEDNELNET {$5200.00} balance, and I have never signed nor have I used this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I bought 4 tickets for the " XXXX '' experience at Once Upon a Convention ( organizers/merchant ) for a total of {$130.00}. It advertised " Held in the beautiful XXXX XXXX XXXX, our Maid XXXX is an interactive fantasy version of the XXXX maid cafe 's that attendees would normally experience at an XXXX  XXXX. Attendees can expect music, small games, special fantasy themed food and drink, performances and table side service by our specially trained fae maids. '' The convention took place on XXXX XXXX. During that weekend, numerous things went wrong, including the XXXX, to the point that people are bringing legal action against the merchant to the tune of XXXX  of XXXX  of dollars. 

The organizers left XXXX staff floundering -- no training and no supplies. They had a random room instead of the XXXX XXXX as advertised. The staff members bought pastries and beverages at the supermarket with their own money because the organizers did not provide the themed food. There were no decorations, music, or entertainment. I disputed the charge with Capital One on XX/XX/XXXX. In the months that followed, the merchant closed down their XXXX group and some of their email addresses. Emails and Discord messages go unanswered. There is no way to reach them. 

XX/XX/XXXX, I received the news that my dispute had been closed, ruled in the merchant 's favor. They sent me a generic " dispute closed '' letter that didn't give me any useful details. I called in the afternoon and was told I was missing a certain piece of paperwork. I submitted it. My dispute was closed again, almost immediately. I called again that evening, around XXXX XXXX, and was told I needed something else. I supplied it. Again, the dispute was closed within less than 24 hours. This happened twice more on XX/XX/XXXX ; I spoke with a supervisor both times. 

The last person I spoke to from Capital One 's fraud department, around XXXX XXXX  on XX/XX/XXXX, finally told me that the experience had been delivered and there was nothing more that could be done, despite the mountain of evidence. They told me there was no one higher than that one supervisor that I could raise the issue to. The merchant literally made no effort and stole people 's money, yet Capital One took their side. Calling this a disappointing experience would not be strong enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-10-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-10-17 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and damaging information being reported on my credit file. The account in question is being reported as a Charge Off by XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX with the following details : High Balance : {$350.00} Date Opened : XX/XX/year> Status Being Reported : Charge Off This reporting is inaccurate, incomplete, and unverifiable for the following reasons : I have never received any proper validation or supporting documentation proving that this alleged debt belongs to me. 

The furnisher has failed to provide any signed contract, statements, or legal evidence establishing ownership or liability. 

Reporting a Charge Off without proper verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all information reported to credit bureaus to be accurate and verifiable.

This inaccurate reporting is causing severe and unjust damage to my credit profile, impacting my ability to obtain fair credit opportunities.

I respectfully request that the CFPB investigate this matter and take the necessary steps to : Compel XXXXXXXX XXXX XXXX  and the reporting credit bureaus to provide full validation of the alleged account. 

If validation can not be provided, require the immediate removal of this Charge Off entry from my credit report.

Ensure compliance with the FCRA and hold the furnisher accountable for reporting unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 item 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 explanation
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 item 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 2025-10-17 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: NM

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Account # XXXX was reported as a collection / charge-off with balances and status codes inconsistent between XXXX  and XXXX. It shows as closed on one bureau and open on another, and no validation or itemized statement was provided after written request over 60 days ago. Reporting without proof of ownership or balance accuracy violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX data integrity rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 item 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 explanation
Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 item 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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Debt was added to credit report with no information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OK

Complaint narrative:
I submitted a timely Validation of Debt request to JEFFERSON CAPITAL SYSTEM regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$3100.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, JEFFERSON CAPITAL SYSTEM failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation