vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
Company : Bridgecrest Acceptance Corporation Issue : Incorrect information on credit report Problem : Furnisher is reporting inaccurate or incomplete account information Complaint : I am submitting a follow-up complaint regarding a previously filed issue with Bridgecrest ( CFPB Complaint # XXXX ). 

I attempted to voluntarily surrender my vehicle in XX/XX/2024. A Bridgecrest representative informed me that, due to my XXXX XXXX status, a wet-ink signature was required on a surrender form, which they claim was emailed to me. I acknowledge that I did not return that form, but I received no further contact or follow-up. I reasonably believed that the vehicle would be recovered, as I had initiated the surrender process in good faith. 

Bridgecrests own response confirms that they never repossessed the vehicle. Instead, the vehicle was left unattended for months and ultimately impounded by the city due to inaction on their part. Their response admits : I contacted them and attempted surrender They required a form but did not ensure follow-through They never retrieved the vehicle They only became aware of the vehicles location after it was towed by the city Despite this, Bridgecrest is reporting the account as a charge-off with a full unpaid balance, which misrepresents the actual circumstances.

This reporting is inaccurate, incomplete, and misleading under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ). Additionally, I believe this situation violates the intent of the Servicemembers Civil Relief Act ( SCRA ) due to lack of proper follow-up and consideration for my XXXX status. 

I am requesting that this tradeline be deleted or corrected to reflect the true nature of the situation : That the vehicle was not repossessed, but impounded That I made a good-faith surrender attempt That Bridgecrest failed to act in a timely and responsible manner I am including the original CFPB case and Bridgecrests response to support this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANKERS HEALTHCARE GROUP LLC
State: KY

Complaint narrative:
In XX/XX/year>, I took out a {$50000.00} loan from BHG Financial. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, XXXX classified my loan as a commercial loan, despite never informing me of that classification and never verifying any actual business ownership. 

The loan was marketed to me as a personal loan targeted to professionals like XXXX. I was never asked about operating a business. A BHG representative rushed me through a pre-filled application listing me as a sole proprietor, but did not explain what that meant or ask for proof of business activity. I signed the documents under pressure, assuming this was a personal loan. I was also pressured by multiple representatives to return the pre-filled application and loan documents as soon as possible, leaving me little time to reflect. 

Because BHG categorized the loan as commercial, I was denied the disclosures and protections I would have received under the Truth in Lending Act. I was also denied the ability to apply for standard loan relief when I experienced financial hardship. When I requested assistance due to severe personal and financial challenges during the pandemic, BHG refused to negotiate or restructure the loan for nearly XXXX years. Only after falling behind was I offered an interest-only plan but the interest continued compounding. The loan was later turned over to a collection agency despite my resuming payments. 

BHG has since admitted, in a recorded call, that you just have to sign a form saying youre a sole proprietor to get a commercial loan confirming that no business verification is required. This appears to be a deliberate tactic to evade consumer protections by misclassifying personal loans as business loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My company deposited with Bank of America XXXX XXXX XXXX Treasury Check on XX/XX/year>. With our small business checking account, the check is payable to the XXXX. 
The Bank put a hold on the deposit until XX/XX/XXXX, at XXXX. 
On XX/XX/XXXX we tried to use XXXX of our company debit cards which would not work. 
I called Bank of America immediately they had me speak with the fraud department which stated the funds in the account were frozen pending a review of the " Treasury Check ''. The review should last no more than XXXX hours. 
On Tuesday XX/XX/year> the funds showed " available '' in the account for both existing and the Treasury check. However the account would not let us withdraw funds only deposit. The account was still frozen, called the fraud department, they stated they were waiting on the bank " Analyst '' to receive an email back from the Treasury Department to verify the Treasury check, even though they had already verified it through. Treasury Verification systems. on XX/XX/year> I called again and the fraud department said that they had " Escalated '' the review with the Analyst, the XXXX asked for an additional XXXX hours and to call back on Friday the XXXX they were still waiting on the response back from the Treasury Department email. I called back on XX/XX/year> and they stated they were still waiting on the email. It is obvious the Bank is using the funds in the account and stalling. The Treasury Check cleared the next Business day on XX/XX/year>. Bank of America has been using these funds for XXXX weeks, first by placing a 10 day hold, then by freezing the entire business account funds claiming the account was " Under Review '' when in fact the account was never under review just the Treasury Check, which has been verified and paid.

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 2025-05-16 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I discovered a fraudulent credit card account that I never applied for or authorized. The account is with GS Bank USA ( Goldman Sachs ). 

Account Number ( last 4 digits ) : XXXX Open Date : XX/XX/year> Balance : {$1700.00} I am a victim of identity theft. I never opened this account, never signed any documents, never used the card, and never authorized its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I have had the run around with ARS regarding a collection on my report for a debt reported in error. I have a collections for the amount of {$730.00} that was a workers compensation claim. I spoke with ARS regarding this issue and they informed me that workers compensation needs to reach out for payment. I spoke with workers compensation from my prior employer and they advised that they will take over and contact ARS for information to send payment. The ARS employee was rude to the workers compensation adjuster and advised he will not speak with her about the account and hung up on her when she was requesting the information to send for the payment. Workers compensation sent and email regarding they are taking over the account and provided them the information to request payment. I spoke with ARS again and they advised that they will not provide the deletion letter until workers compensation verifies they information sent to them. The workers compensation adjuster advised that they did not receive a letter or email regarding the verification and stated they will send them a letter again advising they are taking over the case and to remove it from my report. ARS has been giving the run around and will not provide the letter of deletion after many attempts of trying to fix the issue and workers compensation wanting to provide payment. It is now at this time that they are interfering with my process on purchasing my first home.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have no agreement with Midland Credit Management Inc.. I would like Midland to provide the following explanation : PLEASE DO NOT SEND ME monthly BILLS as validation. PLEASE PROVIED ME WITH THE FOLLOWING : I am requesting verification of the alleged debt, specifically : XXXX. A copy of the ORIGINAL PURCHASE AGREEMENT with my signature XXXX. Insurance claim of the debt & BILL OF SALE XXXX. The XXXX with the original creditor XXXX. Do you have a license in the state of Georgia to collect on this debt as well as the arbitration clause according to 15 U.S.C SECTION 1692 G. 5. Why is this on my Credit Report, - - I am unaware of who this company is or who they are representing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MS

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 2025-05-16 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-16 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: KY

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I received medical care foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and received a bill in XX/XX/XXXX for all costs. 

At that time, I was insured through a travel/medical insurance agency called XXXX. I am a XXXX XXXX and XXXX XXXX  but I have been living in the XXXX XXXX XXXX XXXX XXXX XXXX  and do not currently hold insurance in the XXXX since I do not reside there at the moment. I successfully passed on my medical bills to the insurance agency ( they can be found at XXXX XXXX and I have email proof of all interactions around this. I am happy to put you in touch with them to discuss this further. 

The insurer paid the medical bills but since paying them, I have received multiple bills from multiple collections agencies. First it was from XXXX in XXXX ( bill attached ), I passed their information on to insurance company and never again heard from XXXX after that. Then I received a bill for a random amount ( XXXX ) from Optimum Outcomes in XXXX. I sent them a cease and desist letter. I never heard from them again but instead of contacting my insurance company, they seem be passing this debt around to other debt collection agencies. 

The lastest bill XXXX is from : State Collection Service , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX I received XXXX bill on XX/XX/XXXX for {$500.00} from the XXXX XXXX. In response to their email, I sent this letter to the debt collector, which I was instructed to send by my travel insurer : " I have received your letter regarding an alleged debt owed. 

I hold travel insurance through XXXX XXXX XXXX who have informed me that they substantially dispute the debt you are attempting to collect on behalf of your client. 
I have also been assured that any debt established to be due to your client will be paid by my insurer and not by me. 

You can connect them at XXXX. Please cease all correspondence with me with immediate effect. Please direct all future correspondence to XXXX XXXX XXXX, agent of my insurer XXXX XXXX XXXX. I have been informed by XXXX XXXX XXXX of my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). '' After I sent that letter, I received no response from them but another email and another bill stating I still owe {$500.00}. I received this today, on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: OR

Complaint narrative:
Payment was tendered to MARINER FINANCE on Monday, XX/XX/year>, via certified mail. 

The agent for MARINER FINANCE on XX/XX/year> confirmed that parcel was received the payment tendered to payoff the balance owed was received and processed. 

MARINER FINANCE was giving multiply opportunity to address the matter but instead decided to report the account as late and no payment received. They have been continuously attempting to obtain additional payments even though the account balance has already been satisfied.

Therefore, they have willfully made false credit reporting causing real personal and reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NH

Complaint narrative:
Today, I was contacted by my brother, who had been contacted by XXXX XXXX XXXX, pretending to work with XXXX XXXX, threatening to arrest him for charges on a repoed car from over a decade ago. While frantic I authorized a payment to keep him out of XXXX 
I am now seeing that this company doesn't exist and I think I lost over {$1600.00}. My bank is saying they can't stop payment.

Company response to consumer: Closed with explanation