vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX of XXXX and XX/XX/XXXX i contacted Transunion about the excessive phone calls and disrespect at different hours of the day when i am working. I have also disputed them in XXXX and XXXX. And the keep attacking my phone using different numbers

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 2025-11-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have been making my monthly payments to resolve the balance, but I feel like I should not be charged or it should be held against my credit because of the fact that they havent given me enough time I was working not full-time. I am a mother of two children and financially it was hard for me to maintain rent bills, feeding my kids on top of having to do all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I am writing as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and request a reinvestigation to ensure maximum possible accuracy. The accounts I am disputing are as follows : XXXX ( Account XXXX. XXXXXXXX XXXX XXXX Balance : {$8400.00} ) and XXXX XXXX XXXXXXXX ( Account No. XXXXXXXX XXXX XXXX XXXX, Balance : {$3800.00} ). These entries appear to be inaccurate or incomplete, and I am concerned that they are unverifiable. Despite my review and prior request for a reinvestigation, these items continue to appear on my credit report without any explanation or resolution from the credit reporting agency ( CRA ). This failure to properly reinvestigate and correct these inaccuracies constitutes a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX Reporting Violations : XXXX, Escrow Compliance, FCRA, and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Report # : XXXX Report Date : XX/XX/year> -- - XXXX XXXXXXXX XXXX XXXX XXXX Results XXXX XXXXXXXX XXXX compliance scan was performed on the XXXX  charge-off account : XXXX XXXX XXXX$7400.00} XXXX XXXX detected : 1. Illegal PostCharge-Off Balance Updating XXXX  shows : Recent balance : {$7400.00} as of XX/XX/year> A charge-off balance must NOT update after the charge-off date. 

2. Duplicate Derogatory Reporting XXXX  is reporting : {$7400.00} written off {$7400.00} past due Account charged off Recent balance {$7400.00} ( XX/XX/year> ) This is duplicate negative coding in violation of XXXX. 

3. Missing DOFD No DOFD is shown anywhere on the file. 

4. Regulation V Violation No Validation Provided XXXX  certified accuracy but provided : No account-level documentation No ownership evidence No billing statements No chain-of-custody file No charge-off audit log -- - B. Escrow Compliance Failure Under Escrow Compliance Chain-of-Custody Requirements, a furnisher must retain : Full XXXX data export Furnisher > CRA transmission logs DOFD certification Charge-off calculation trail Payment history Validation data Contract + signature file XXXX  provided none of these. 


-- - C. Requested Action I request the CFPB require Upstart to : 1. Provide Escrow Compliance files 2. Provide XXXX segment data 3. Provide DOFD documentation 4. Provide complete validation 5. Or DELETE the XXXX account entirely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I found an unusual credit card company on my credit report listed as Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXAnd i also been receiving emails from Capital One as XXXX. That email is no longer my email and I never applied for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: GA

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 XXXX 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 2025-11-17 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: FL

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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Beginning in late XXXX and continuing into XXXX, I began receiving collection attempts from Caine & Weiner regarding an alleged debt connected to an insurance-related account. The company repeatedly contacted me by phone and mail, even though I had previously disputed the accuracy and validity of the balance with the credit bureaus. 

I am requesting that the company be instructed to stop all communication with me, investigate their actions, and provide written confirmation that they will comply with federal law. I also request that any negative or inaccurate information they furnished to the credit reporting agencies be reviewed for accuracy and removed if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Collector : JJ Marshall & Associates Alleged Balance : {$170.00} I am filing this complaint because JJ Marshall & Associates failed to provide legally required validation of a debt after receiving a written dispute. They also continued collection activity and continued furnishing information to the credit bureaus without validating the debt, which is a violation of federal law. 

Summary of Violations On XX/XX/year>, I mailed a written dispute and demand for validation pursuant to 15 U.S.C. 1692g ( b ). I specifically requested : The original signed contract Complete accounting showing how the balance was calculated Chain of title / bill of sale Proof that JJ Marshall owns or has the right to collect this debt Documentation provided to the credit bureaus Licensing and bonding information Documentation relied upon when verifying the account Statute of limitations details JJ Marshall did not provide any of these items.

Instead, they sent : Internal notes A ledger printout A generic form letter claiming they do not have to provide validation This does not satisfy FDCPA validation requirements.

They are continuing to engage in collection efforts and they continue to report the account to the credit bureaus without providing proof that the debt is valid, collectible, or accurate.

This violates : FDCPA 1692g ( b ) continued collection activity after dispute FDCPA 1692e false and misleading statements FDCPA 1692f unfair collection practices FCRA 1681s-2 ( b ) failure to properly investigate disputed information FCRA 1681e ( b ) failure to maintain maximum possible accuracy JJ Marshall has not proven : That they own the debt That they have authority to collect That the balance is accurate That the reporting is accurate That the debt is even legally collectible That they complied with any verification requirements Because they can not validate the debt, they should not be allowed to report it or collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC Complaint Regarding Fraudulent Account and Unauthorized Use of Personal Information I am filing this complaint to formally report that XXXX XXXX XXXX is attempting to collect on a debt alleged to be owed to XXXX XXXX XXXX. I do not have an account number because I was never sent a dunning letter by this company. 
I have never opened, owned, or authorized any account with XXXX XXXX XXXX or with XXXX XXXX XXXX. 
XXXX XXXX XXXX has somehow obtained and used my nonpublic personal information, including my Social Security number and other private data, without my knowledge or consent. 
They appear to have created an account in their internal systems using my identity and are now demanding payment from me in the amount of {$110.00} for a debt that is entirely fraudulent. 

Federal Laws Potentially Violated XXXX XXXX XXXX actions constitutes violations of several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Prohibits furnishing inaccurate information to consumer reporting agencies ( 1681s-2 ( a ) ). 
Requires investigation of consumer disputes and correction of inaccurate data ( 1681i ).

Prohibits obtaining a consumer report without a permissible purpose ( 1681b ( f ) ).

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. 
Prohibits false or misleading representations in connection with debt collection ( 1692e ).

Prohibits unfair or unconscionable means to collect a debt ( 1692f ).

Requires validation of debts upon request ( 1692g ).

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 Prohibits financial institutions from using or disclosing nonpublic personal information without proper authorization and safeguards consumer privacy. 

Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 Criminalizes the knowing and unlawful use of another persons identifying information with intent to commit or aid unlawful activity. 

Federal Trade Commission Act 15 U.S.C. 45 ( a ) Prohibits unfair or deceptive acts or practices in commerce, including misleading consumers about debts they do not owe. 

I respectfully request that XXXX XXXX XXXX be compelled to cease all collection activity regarding this fraudulent debt, remove any related negative information from my consumer reports, and be held accountable under applicable federal laws.

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Complaint Against : Exeter Finance LLC Loan Type : Auto Loan VIN : XXXX I am filing a complaint against Exeter Finance because they financed an auto loan that appears to have been obtained through dealer misrepresentation and fraudulent pricing. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). The truck was advertised and discussed in the {$36000.00} {$38000.00} range. However, the dealership submitted a contract to Exeter Finance showing an inflated price of approximately {$51000.00}, even though I paid {$17000.00} down. This price does not match the advertised or negotiated terms. 

I mailed a formal written demand letter to both Exeter Finance and the dealership on XX/XX/XXXX. It has been more than 10 days with no response from either party. 

Shortly after sending my demand letter, I called Exeter Finance to request that they pause loan activity while the dispute is investigated. I was told that they can not pause the account, even though the account is under an active dispute. 

The dealer refused to provide the buyers order or original price sheet, and Exeter has not acknowledged or investigated the issue. 

I am requesting : A full investigation into the origin of this loan Verification of the dealer-submitted contract A freeze on negative reporting and fees during the investigation Correction or rescission of the loan if misrepresentation is confirmed My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am filing this complaint against Bridgecrest and XXXX regarding my auto loan for a XXXX XXXX XXXX ( Contract Date : XX/XX/XXXX, Account # XXXX ). My role as the true originator of credit was never acknowledged in this transaction ; rather, Bridgecrest and XXXX wrongly represented themselves as sole creditors and concealed key facts about the creation and use of credit. 

The contract lists a total down payment of {$3900.00}, including an unexplained {$800.00} Other Cash charge and multiple amounts or fees that were never clearly itemized or lawfully explained to me. Despite repeated requests, I have not received any lawful validation of the alleged debt, nor have I received a full legal accounting showing how all fundsincluding my down payment and all credits generatedwere allocated and used in compliance with all applicable laws. 

Furthermore, I have not been provided any supporting tax documents or legal disclosures that would confirm compliance with federal and state tax and consumer protection requirements. This concealment prevents me from verifying whether the transaction was properly reported and lawfully handled. 

* * Due to these violations, I have suffered financial harm, deprivation of my rightful credit and value, and possible damage to my credit profile. XXXX XXXX XXXX XXXX I am requesting that the CFPB require Bridgecrest and XXXX to provide : * * - Immediate lawful validation of the alleged debt and complete, itemized legal accounting of all funds, payments, credits, and charges associated with my transaction- All legally required tax documents and disclosures tied to my payments, credit creation, and the sale - The return of any amounts improperly withheld, undisclosed, or misapplied - Correction of any inaccurate or incomplete credit reporting - A full CFPB investigation with enforcement action for all violations of state and federal consumer credit, lending, and tax law Thank you for your immediate attention to this matter. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am reporting identity theft involving multiple unauthorized hard credit inquiries that were made using my personal information without my knowledge or consent. I did not apply for credit, loans, or services with the companies listed below, nor did I authorize anyone else to act on my behalf. These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without a permissible purpose, which is required under the Fair Credit Reporting Act ( FCRA ). Under FCRA 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ), a company may only obtain my credit report if I initiated a credit transaction and provided authorization. I did not authorize these inquiries.

Under FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I am a victim of identity theft and have the right to request all records related to these fraudulent transactions and inquiries.

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or fraudulent information, and the credit reporting agencies are required to investigate and remove any information that can not be verified as authorized.

If these companies or the credit bureaus can not provide proof of my authorization for these inquiries, they must delete them according to FCRA 611 ( a ) ( 5 ), which requires removal of unverified information. 

I am filing this FTC Identity Theft Report to formally document these fraudulent inquiries and to support the disputes I will file with the credit bureaus and creditors.

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 2025-11-17 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i reported to bmo harris XXXX times now some fraud charges on my credit card see transacrions below : merchant : XXXX  XX/XX/XXXX. XXXX {$26000.00} $ merchant : XXXX 
XX/XX/year> {$38.00} $ merchant : XXXX.. 
XXXX. XXXX $ merchant : XXXX XXXX XXXXXX/XX/year> $ but bmo harris did not dispute any if those transactions or reimburse me

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