vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
To Whom It May Concern, I am submitting further evidence regarding Bridgecrest Acceptance Corporations ongoing violations of my consumer rights. Attached is a recent copy of my credit report ( dated XX/XX/year> ) showing that Bridgecrest continues to report this account with a balance of {$9400.00}, marked as closed, with derogatory and late history reported into XXXX. This reporting directly contradicts Bridgecrests claim that my account was resolved through repossession and that proper notice was given. Their continued furnishing of this tradeline violates multiple consumer protection laws : Violations 1. Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) : Duty to Report Accurate Information Reporting this account as closed with a balance of {$9400.00} while also reporting continuing derogatory late history through XX/XX/year> is misleading and inaccurate.

1681s-2 ( b ) : Duty to Investigate Disputes I disputed this account, yet Bridgecrest continues reporting it inaccurately without correction. This failure constitutes noncompliance with the FCRAs investigation requirements.

1681i : Reinvestigation of Disputed Information Credit reporting agencies are required to delete or correct incomplete or inaccurate information. Bridgecrests data is incomplete because it does not properly reflect the disposition of the repossessed vehicle, deficiency calculations, or proof of notice.

2. Uniform Commercial Code ( UCC ) 9-611 & 9-614 : Bridgecrest failed to provide authenticated notice of sale, time, location, and proceeds application as required. Continuing to report the debt as active/derogatory without providing this documentation is a further violation of my rights.

3. Fair Debt Collection Practices Act ( FDCPA ) : 1692e ( False or Misleading Representations ) : Reporting this account with conflicting statuses ( closed, derogatory, balance owed, and ongoing late payments ) misrepresents the true legal status of the debt.

1692f ( Unfair Practices ) : Continuing to damage my credit with false reporting after repossession, without proper deficiency notice, is an unfair and unconscionable practi
ce.

4. Continued Furnishing After Dispute ( FCRA & FDCPA ) : Once a consumer disputes an account, furnishers must either verify with documentation or delete the tradeline. Bridgecrest has failed to provide proper validation but continues to furnish negative information, harming my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
Wrong information reported and allowed and sold. Identity theft occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DigniFi
State: CA

Complaint narrative:
Today I checked my XXXX and an account that has long since been charged off Date Opened XX/XX/XXXX Date reported XX/XX/XXXX Past due amount {$780.00} Has jumped to {$940.00} Out of the blue. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: SC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Identity Theft Blocking Request under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request the blocking of fraudulent information appearing on my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the following accounts do not belong to me and must be permanently blocked and removed : XXXX XXXXXXXX As required under the law, I am providing the following supporting documentation with this letter : 1. FTC Identity Theft Report ( as permitted under federal law, this satisfies the requirementno police report is required ). 2. Copy of my government-issued identification. 3. Copy of my Social Security card. 4. Proof of my current address ( utility bill, bank statement, or similar document ). Under 15 U.S.C. 1681c-2 ( a ), you are obligated to block and delete all information resulting from identity theft within XXXX business days of receipt of this request and the accompanying documentation. Please send me written confirmation once these fraudulent accounts have been blocked from my credit file. I further demand that you notify the furnishers of this fraudulent information that the accounts have been removed, as required by law. Failure to comply with this request will constitute a violation of the Fair Credit Reporting Act, and I will not hesitate to exercise my rights under federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Regarding Mohelas Refusal to Process Income-Driven Repayment Application Dear CFPB Representative, I am writing to formally file a complaint regarding Mohelas handling of my federal student loan repayment application. Specifically, Mohela has failed to accept or process my XXXX XXXX ( XXXX ) application, despite my attempts to comply with their requirements. They say they will process it only if I consent for XXXX to access my federal tax information. 

I submitted my XXXX  application to Mohela almost a year ago, including all required documentation. Since then, I have received no confirmation that my application has been properly reviewed or processed until now. Instead, Mohela appears to be systematically failing to accept XXXX  applications, as I have seen similar complaints from other borrowers. 

This conduct will place me in financial hardship, as my monthly payments remain unaffordable under the standard repayment schedule. Mohela failure to process my application is not only unfair but also inconsistent with federal student loan servicing guidelines. Borrowers are entitled to apply for and be considered for XXXX  plans in a timely and transparent manner. 

I respectfully request that the CFPB investigate Mohelas practices and require them to process my XXXX  application without further delay. I am also requesting confirmation that my rights as a federal student loan borrower are protected and that Mohelas is held accountable for these failures. 


Thank you for your time and assistance in this matter. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
AutoPay from XXXXXXXX XXXX XXXX XXXX XXXXXXXX Payment XXXX XXXX XXXX  - {$390.00} XX/XX/XXXX Payment from XXXX XXXXXXXX XXXX XXXX XXXXXXXX Payment XXXX XXXX XXXXXXXX - {$2700.00} XX/XX/XXXX I paid {$3100.00} BEFORE XX/XX/XXXX and was charged {$480.00} when I should not have been. My interest saver payment amount from my XXXX statement showed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$3000.00} {$90.00} {$410.00} my XXXX statement shows interst charged of {$480.00} I have never been charged interest before when on the promotional balances when I paid them off. XXXX representative said since I didn't specifically request it, they applied it to my full balance?? This make no sense is is not how this has been handled in the past. I usually make payments online and have been making my interet saver payments all year on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
The loan from XXXX was transferred ans the canceled a payment in XXXX and moved me to a new system in XXXX which was hard to follow and process. They then said no negative impacts for XXXX days and reported me delinquent when the XXXX day period did not end until XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am disputing several accounts appearing on my credit report that I believe are inaccurate, unverifiable, or the result of fraud. I have already submitted disputes to the credit bureaus, but these accounts remain.

The accounts include : 1. Spring Oaks Capital LLC {$980.00}, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX {$310.00} XXXX. XXXX XXXX XXXX {$280.00}, XXXX. XXXX {$10000.00} These accounts are harming my credit unfairly. I have disputed them, but they continue to be reported as derogatory. 

Given the recent data breach that exposed personal consumer information, I am especially concerned that some of these accounts may be fraudulent or improperly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I called to XXXX XXXX  regarding my business account for XXXX XXXX XXXX ( Account ending in XXXX ). At approximately XXXX XXXX XXXX XXXX XXXX, after noticing over drafts knowing I haven't used the account sonce bringing my XXXX current on the XXXX. I spoke with a representative whom then put a XXXX on the line who identified himself only as XXXX XXXX, from XXXX XXXX. I specifically asked him for his ID number and bond number, but he refused to provide them, which I believe violates my right to full disclosure. 

During that conversation, I was told my account was overdrawn by {$100.00} on the XXXX. I let XXXX XXXX know i immediately paid that balance at the bank to bring the account current the following morning. However, after making that payment, I was later charged an additional {$35.00} late fee that was not disclosed to me during the vist on the XXXX while at the location. I was not informed of any pending late fee at the time of payment. 

XXXX XXXX  has continued to apply daily late fees, which I view as an unfair and deceptive practice amounting to unjust enrichment. I am disputing these charges as improper and requesting immediate remedy, including removal of the fees and restoration of any amounts unlawfully taken from the XXXXXXXX XXXX XXXX business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I disputed the collections on XXXX  which is the only credit report it is showing up on and I was returned with the information is accurate but there is not information on who the original debt was owed to and what the debt is for and no breakdown of the amount they show I owe.

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 2025-09-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi Dear I requested dispute to PayPal credit on XX/XX/XXXX, and they closed my case on XX/XX/XXXX According to paypal said they have documents that I already received my order merchandise, It is not true. 
According to XXXX tracking, my order is still on the way because the seller gave to XXXX wrong information for delivery, I already requested the seller to contact XXXX but XXXX never has got any reply, without seller authorization XXXX can not process my case. 
I requested PayPal should provide the documents to me as an evidence and I requested the seller to provide the XXXX receipt that must be with my sign and shipping address and delivery date and time, But I have not got any reply. 
Dispute amount is {$2400.00}, the date of purchase is XXXX date of cancellation my order is on XX/XX/XXXX. 
When i purchased this one that is under paypal credit customer protection that should be cover up my case but paypal did not apply customer protection.

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 monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I have been paying on this loan for XXXX years while being on XXXX. i got a XXXX loan XXXX of XXXX it is now XXXX of XXXX i have paid almost {$8000.00} dollars to keep my car over XXXX  years and I cant make the payments anymore the amount with the cost of living I cant keep up the payment but cant afford to lose this car after all the money i put out to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
My federal student loans were forgiven by the government. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year>. The loan agencies are still reporting as an active loan being owed. I have sent in the discharge case number multiple times via Transunion and Equifax yet they are still being reported on my credit report.

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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> Re : Dispute of Charge-Off Account XXXX XXXX XXXX XXXX XXXX CREDIT To Whom It XXXX Concern, I request the XXXX form I am writing to dispute the accuracy of a charge-off appearing on my credit report. The account is listed as : Reasons for my dispute include I believe the reporting is inaccurate and incomplete, which violates the Fair Credit Reporting Act ( FCRA ), Section XXXX request the XXXX Inaccurate account Number being reported Re : Request for IRS Form XXXX Cancellation of Debt Account Number : XXXX To Whom It XXXX Concern : Re : Request for IRS Form XXXX Cancellation XXXX Debt Account XXXX XXXX XXXX \ XXXX CREDIT I XXXX XXXX copy of IRS Form XXXX for the cancellation XXXX charge-off of the above-referenced account. Please provide a copy of the form issued to the IRS If the form has not yet been issued, please confirm whether one will be sent, and the expected date of mailing. 

Thank you for your prompt attention to this matter I appreciate your prompt attention to this matter. 

I am requesting that you : XXXX a thorough investigation of this account. 

Provide documentation verifying the accuracy of the charge-off. 

If verification can not be provided, delete this account from my credit file. 

Please provide me with written confirmation of your investigation results within the 30 days allowed under the FCRA. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: DC

Complaint narrative:
Theres no score available under my name. Reporting wrong information which is cause no credit score.

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 2025-09-07 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: DC

Complaint narrative:
Theres no score available under my name. Reporting wrong information which is cause no credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Peer Advisors, LLC
State: NE

Complaint narrative:
I'm trying to sell my late mothers property. She had a reverse mortgage. I have requested a short sale and have provided all requested documents. However, it is now XXXX  months later and no decision from the mortgage company. In addition, they have started the foreclosure process. 
I have an approved buyer just waiting to sign paperwork. 
With a short sale I estimate their loss at around $ XXXX, but, with a foreclosure auction, they would be facing a loss of approximately $ XXXX. This is due to the condition of the property. 
These facts have all been conveyed, numerous times, to the mortgage company. But, they refuse to answer emails or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing inaccurate public record information being reported on my credit file. My credit report currently lists multiple bankruptcies that are duplicative, inconsistent, and incorrect. Specifically, the reports are showing : Chapter XXXX Bankruptcy Dismissed/Closed on XX/XX/XXXX Chapter XXXX Bankruptcy Dismissed/Closed on XX/XX/XXXX Chapter XXXX Bankruptcy XXXX on XX/XX/XXXX Chapter XXXX Bankruptcy XXXX on XX/XX/XXXX This reporting is inaccurate. I did not file multiple bankruptcies as reported, and these entries do not correctly reflect the official court record. The presence of duplicate and conflicting bankruptcy entries is misleading and severely damaging to my credit profile. 

I previously requested verification of these records, but the credit reporting agencies did not provide official documentation from the bankruptcy court. Instead, they verified using third-party databases, which is not sufficient under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, Section 605 ( a ), only accurate, verifiable, and complete information may be reported. Because these bankruptcies are being reported incorrectly and can not be properly verified, I am requesting that these entries be removed immediately from my credit file. 

I request that the bureaus review the official bankruptcy court docket to confirm accuracy. If the records can not be fully verified, they must be deleted in accordance with federal law.

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 2025-09-07 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: GA

Complaint narrative:
There are several inaccurate accounts and collections on my credit report

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 2025-09-07 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: GA

Complaint narrative:
There are several inaccurate accounts and collections on my credit report

Company response to consumer: Closed with non-monetary relief