vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
On XX/XX/year>, I submitted a written request for debt validation to Bridgecrest regarding a repossessed vehicle. I asked for a full breakdown of the balance, sale information for the vehicle, and proof of authority to collect. Instead of providing the requested documents, Bridgecrest responded by email stating they would not provide specifics in writing and required a phone call instead.

I made it clear that I do not consent to phone communication and that all communication must be in writing, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). Bridgecrest has since continued to send emails referring to the debt and mentioned potential negative credit reporting, despite my formal dispute still being unresolved.

This response appears to violate the FDCPA by ( 1 ) refusing to validate the debt in writing, ( 2 ) continuing to collect or threaten credit reporting during a dispute, and ( 3 ) attempting to limit my communication options to verbal only. I am requesting that Bridgecrest be required to provide written debt validation and cease further collection activity until they comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AZ

Complaint narrative:
I reviewed my credit report and there are fraudulent accounts. Please remove these fraudulent accounts from my credit report immediately. They are hurting my ability to obtain credit.

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 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My father was a Wells Fargo mortgage customer and was enrolled in an optional product called the XXXX XXXX XXXX, which appeared on his mortgage statements. He later entered assisted living and faced significant health and financial hardship, ultimately having to sell his home. No benefits were ever received from this plan, even though its name suggests it was meant to help in such a situation. 

After his death, I contacted Wells Fargo to request details and documentation about the product, including coverage terms, payments made, and the insurance provider. Their XX/XX/XXXX response stated they could not locate any agreement, policy documents, or even the name of the insurer. They referred to a generic letter from XXXX that did not specifically mention the XXXX XXXX XXXX. 

This raises serious concerns : my father appears to have been charged for a product that Wells Fargo now can not verify existed or explain. I believe I am entitled to further investigation, documentation, and potentially reimbursement for any fees charged toward a non-performing or misrepresented product.

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 2025-06-01 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: GA

Complaint narrative:
I look at my credit report and on XX/XX/XXXX I saw some inaccurate so according to 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. And according to these laws : 15 USC 1681 ( e ) ( b ) / 15 USC 1681 -5 / 15 USC 1681 s-2 / 15 USC 1681-B ( A ) ( XXXX ). XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX XXXX Account name : XXXX Co # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXs # XXXX, Account name : XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days.

1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report.

" Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A debt that was almost 7 years old was recently re-added by Experian. This appears to be illegal re-aging of debt under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-01 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: SC

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : AXXXX 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  These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: SC

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent charge-off and collection accounts on my credit file resulting from identity theft and a confirmed data breach. 

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : AXXXX 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  These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent 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 2025-06-01 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: GA

Complaint narrative:
Narrative for CFPB Complaint Submission I am submitting this complaint due to the ongoing inaccurate and unverifiable reporting of a XXXX  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and protect my identity. 

A XXXX XXXX XXXX is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts. However, I have never filed for XXXX, and after directly contacting the XXXX XXXX  XXXX, I received written confirmation that they do not furnish or verify XXXX  information to any credit reporting agencies. This makes the source of this XXXX  entry unverifiable and unreliable. 

In addition, I have already disputed this account multiple times with each credit bureau and requested : The method of verification used to confirm the XXXX. 

The name and contact information of the furnisher of this data. 

A reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). 

None of the bureaus have provided verification or validation of this XXXX. Instead, they have repeatedly verified the account without supplying any documentation or source, violating their obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. 

Furthermore, I am a documented victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) ( Report # : ) and a police report with my local law enforcement agency ( Case # : ). My personal identifying information was compromised in a data breach and has been used to open multiple fraudulent accounts. I believe this fraudulent XXXX  may be linked to that identity theft. 

To protect my identity and prevent further damage, I have frozen my XXXX file, as they often provide public records data to the credit bureaus. Despite this, the XXXX  continues to be reported without explanation or verification. 

I also want to point out the inconsistencies across the credit bureaus. For example, only two out of three bureaus are reporting other fraudulent or disputed accounts, which further confirms that the reporting process is arbitrary and inconsistent.

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 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
Loan XXXX Hello. Currently my account is about XXXX past due. This all became due once my loan matured. I have tried to reach out multiple times by email and get XXXX response. I have had 3 family members pass away and I have been XXXX XXXX from my job as my position moved overseas. I am beyond financially burdened and have tried my best but at this point it's either I eat and have a place to live, or pay this. Please I am begging you, in good will and good faith please waive my remaining balance and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Subject : Violations of FCRA and XXXX by Arvest Bank a Financial Institution Dear CFPB Representative, I am writing to formally request your offices oversight concerning Arvest Banks ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in connection with account number XXXX. 

On XX/XX/XXXX, Arvest Bank furnished my consumer report to nonaffiliated third parties without first providing the disclosures and opt-out rights required under 15 U.S.C. 6802 and 6803 ( GLBA ). This data sharing occurred illegally, as I was never given : A clear and conspicuous notice of their information-sharing practices ( 6802 ( a ) ) ; An opportunity to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties ( 6802 ( b ) ) ; A reasonable means to exercise that opt-out right ( 6802 ( b ) ( 1 ) ( C ) ) ; Nor was the sharing covered under the statutory exceptions ( 6802 ( e ) ).

In addition, Arvest violated the FCRAs affiliate-sharing restrictions under 15 U.S.C. 1681s-3 by failing to properly notify me and provide an opt-out before sharing my consumer data. 

I issued a formal dispute on XX/XX/XXXX, requesting validation and proof that these disclosures were provided prior to the XX/XX/XXXX furnishing. Instead, Arvest responded by sending partial disclosures after the fact, which directly contradicts federal requirements that such notices be provided before information is shared. 

I sent a second dispute on XX/XX/XXXX, reiterating that they failed to prove lawful furnishing. I then sent a final notice on XX/XX/XXXX, after they failed to verify or delete the disputed account within the required XXXX timeframe under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ). Because they did not validate the account, they are legally obligated under 1681s-2 ( b ) ( 1 ) ( E ) ( iii ) to delete the information from all consumer reporting agencies. 

To date, Arvest Bank has not complied. The continued reporting of this account, despite their inability to validate it or prove lawful disclosures were provided, constitutes willful noncompliance with both the FCRA and XXXX. This has resulted in substantial harm to my credit standing and livelihood I am attaching copies of all correspondence sent and received, including evidence of the dates and violations Thank you for your attention to this urgent and serious matter. I look forward to your response. 

Sincerely, 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 2025-06-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: V and H Portfolio
State: OH

Complaint narrative:
I am filing a complaint against Vance & Huffman , LLC regarding a collection account reported on my XXXX  credit report. This collection was already removed from my XXXX  credit report after a dispute but XXXX  continues to report it inaccurately. I have sent a formal debt validation letter to Vance & Huffman , LLC requesting proof of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) Despite this, the account remains on my XXXX  report, damaging my credit score and causing me financial hardship. I request the CFPB to investigate this matter, require Vance & Huffman , LLC to validate the debt, and ensure XXXX  removes this inaccurate collection from my credit file. 
Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Trafficking Block Request to Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Trafficking Block Request to Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX DEPTEDNELNET Date Opened : XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-01 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: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report. 

The fraudulent accounts include : 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 I have never done business with these companies. These accounts were not opened by me and are the result of identity theft. 

After discovering these accounts, I took the following actions :

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/year> sent out letter received no response sent another letter today

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My identity has been compromised and used to obtain residence in XXXX  and XXXX. I wrote to Equifax to update the incorrect information on my credit report profile, Equifax requested enlarged copies of my driver 's license and social security card. Meanwhile, I provided these information during my initial request. Either Equifax can not read, or they have robotic response that response to categorized information with generic responses. However, I provide the same information again, and yet they refused to update the incorrect information on my credit profile. 

My next verbal communication with them requesting an update, Equifax informed to provide showing an FTC identity theft and a police report. I sent those 2 reports with copies of my driver 's license and my social security both enlarged on XXXX sheet. Equifax responded stating that they can not remove the unknown addresses unless I provide them with the same FTC report, the police report, my driver 's license and my social security card that I previously provided. 

This is a clear violation of the FCRA section 605B. 

I have attached all requested documents from FTC excluding my driver 's license and SS card as these documents have sensitive information and shall be provided to Equifax again for the 4th time.

Company response to consumer: Closed with explanation