vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
Bright lending is charging me 599 % interest on a loan of XXXX. I attempted to email them to set up a payment plan or to settle for a more affordable plan and I have not received anything. The interest rate is illegal in my state due to usury laws in Florida. I would hope bright lending could offer me a payment plan that is affordable or to close my account and forgive the loan due to the illegal interest rates. They currently state I owe over XXXX on a XXXX loan. It states I would repay XXXX back to them with the insane illegal interest. The current payment plans they are offering me are still extremely high considering the original amount. Forgiving the loan due to the illegal rates would be satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I am reporting credit fraud and identity theft involving a collection account reported by Amsher Collection Services allegedly on behalf of XXXX. 

Details : Amsher Collection Services claims that I had a XXXX  account in XXXX. I never opened an account with XXXX, nor did I receive any services or equipment from them. 

When I contacted XXXX directly, they confirmed they have no account in my name, and the social security number and address associated with this account are not mine. 

I reported this error to XXXX XXXX XXXX both of which conducted investigations and removed the collection from my credit reports. 

When I disputed the same account with XXXX, they wrongfully stated the collection is accurate despite : XXXX  confirming no account exists XXXX other credit reporting agencies verifying the account is fraudulent The personal information associated with the account not matching mine This is a clear violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), which requires credit reporting agencies to maintain accurate information and correct or remove inaccuracies.

Additionally, Amsher Collection Services reporting of a debt not owed by me may violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), which prohibits debt collectors from reporting false debts. 

This fraudulent collection account is negatively affecting my credit report, which can unjustly impact my ability to obtain housing, auto loans, or other financial services. It is unfair and illegal that I am being penalized for a debt that is not mine. 

Request for Action : I request that the FTC : Document this case as credit reporting fraud and identity theft Provide guidance or intervention to ensure that all credit reporting agencies, including XXXX, remove this fraudulent collection account Take appropriate action to prevent Amsher Collection Services from continuing to report inaccurate debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I am submitting a formal complaint against [ Credit Bureau Name ] for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account ( s ) in Dispute : XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ( s ) in Dispute : XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX Account ( s ) in Dispute : XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ( ( This account is duplicated on my credit report ) Issue : Inaccuracies such as incorrect balance, wrong status, inconsistent dates, payment Status I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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:
I am formally disputing several accounts appearing on my Experian credit report that contain inaccurate or unverifiable late payment information. These entries do not reflect my actual payment history. 
Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$190000.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$18000.00}

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 2025-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, unverifiable, and misleading information on my credit reports. I have repeatedly notified each bureau through mailed dispute letters and provided them a chance to investigate properly, yet the inaccurate items remain.

These reporting errors have caused me severe stress, emotional distress, financial harm, and multiple credit denials. I believe the credit bureaus failed to follow required procedures under the Fair Credit Reporting Act ( FCRA ).

Details of My Complaint 1. Unverified & inaccurate accounts remain on my reports.

The bureaus continue to publish items that are * obsolete, incomplete, or unverifiable *, even after written notice. These accounts have not been validated with proper source documentation.

2. Failure to follow reasonable procedures.

Under 15 USC 1681e ( b ), consumer reporting agencies must maintain procedures ensuring maximum possible accuracy. That did not occur in my case. 

3. Failure to conduct a proper reinvestigation.

I submitted disputes with clear explanations and requested verification sources under 15 USC 1681i, but the responses did not include proper validation, and items were re-reported without proof.

4. Reporting personal data and accounts without my authorization.

As stated in my mailed challenges, I did not authorize the bureaus to furnish or sell my personal data, and they have not shown any written instructions or court order allowing them to do so under 15 USC 1681b. 

5. Economic and personal harm.

Because of these inaccuracies, I have suffered : Credit denials Lower credit scores Emotional distress and mental anguish Loss of trust in the integrity of the reporting system 6. Possible mishandling of sensitive information.

Due to prior industry data breaches, I have concerns that some accounts being reported could stem from identity theft or inaccurate data matching. 

I mailed detailed dispute letters to Equifax, Experian, and TransUnion outlining all disputed items and citing my rights under federal law. 
I requested full file disclosure under 15 USC 1681g, including the original sources used to verify the information.

I asked for deletion of any unverifiable, obsolete, or inaccurate accounts.

I requested removal of all non-account-holding inquiries older than 30 days and for promotional suppression to be added.

The bureaus were given the required 30 days but failed to correct the issues.

Copies of these letters and mailing receipts are available and can be provided upon request.

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 2025-12-07 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: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, unverifiable, and misleading information on my credit reports. I have repeatedly notified each bureau through mailed dispute letters and provided them a chance to investigate properly, yet the inaccurate items remain.

These reporting errors have caused me severe stress, emotional distress, financial harm, and multiple credit denials. I believe the credit bureaus failed to follow required procedures under the Fair Credit Reporting Act ( FCRA ).

Details of My Complaint 1. Unverified & inaccurate accounts remain on my reports.

The bureaus continue to publish items that are * obsolete, incomplete, or unverifiable *, even after written notice. These accounts have not been validated with proper source documentation.

2. Failure to follow reasonable procedures.

Under 15 USC 1681e ( b ), consumer reporting agencies must maintain procedures ensuring maximum possible accuracy. That did not occur in my case. 

3. Failure to conduct a proper reinvestigation.

I submitted disputes with clear explanations and requested verification sources under 15 USC 1681i, but the responses did not include proper validation, and items were re-reported without proof.

4. Reporting personal data and accounts without my authorization.

As stated in my mailed challenges, I did not authorize the bureaus to furnish or sell my personal data, and they have not shown any written instructions or court order allowing them to do so under 15 USC 1681b. 

5. Economic and personal harm.

Because of these inaccuracies, I have suffered : Credit denials Lower credit scores Emotional distress and mental anguish Loss of trust in the integrity of the reporting system 6. Possible mishandling of sensitive information.

Due to prior industry data breaches, I have concerns that some accounts being reported could stem from identity theft or inaccurate data matching. 

I mailed detailed dispute letters to Equifax, Experian, and TransUnion outlining all disputed items and citing my rights under federal law. 
I requested full file disclosure under 15 USC 1681g, including the original sources used to verify the information.

I asked for deletion of any unverifiable, obsolete, or inaccurate accounts.

I requested removal of all non-account-holding inquiries older than 30 days and for promotional suppression to be added.

The bureaus were given the required 30 days but failed to correct the issues.

Copies of these letters and mailing receipts are available and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Dear XXXX, I filed a complaint of bank wire transfer fraud with the banker XXXX XXXX XXXX at the Wells Fargo bank XXXX XX/XX/year> at XXXX XXXX XXXX, XXXX CT XXXX. He assisted me online with fraud department to process wire recalls for filing with XXXX different claims. One claim number XXXX with the amount of {$30000.00} and the other claim # XXXX with the amount {$40000.00}. I was told to come back to the branch office to follow up. When I came back on XX/XX/year>, he contacted the Wells Fargo fraud department and was told that the claims were closed for the reason that they were unsuccessfully to make the wire recall with the recipient receiving bank. 
I am not satisfied with this reason of unsuccessful wire recalls because there were no proofs of attempts to reach out to the recipient bank, which is XXXX in XXXX and the time frame is 12 hours different.

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 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
2019 Ive tried to make multiple reports. I was XXXX  and someone stole my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I made a transfer to someone through chime for a kitten purchase. I never received my kitten which was a Christmas gift for my son. Tried contacting the merchant no answer. Requested refund. Never returned refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a collection account that is incomplete, unverifiable, and inaccurate. The account does not list an original creditor name, original account number, original documentation, or proof that LVNV legally owns the debt.

I requested validation and this information was not provided.

I am disputing the accuracy under FCRA 611 and 609 ( a ), as the reporting must be complete and verifiable. Because LVNV has not provided verification or original documentation, this item should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because a company is attempting to collect an alleged debt without providing proper validation as required under the Fair Dot Collection Practices Act ( FDCPA ), 15 U.S.C 1692g ( b ) I sent a written debt validation request on XX/XX/year> asking for : * A copy of the original lease agreement * A full itemized accounting of all charges * A payment ledger * Documents providing the collector 's legal authority to collect * Verification of any credit reporting The collectors has either failed to respond provided incomplete information, or continued collection activity without validating the debt. 

I have not received any documents that prove the debt is valid, accurate, or legally enforceable or authorization showing this company has the legal right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am reporting a serious account-takeover and identity-theft incident involving Bank of America, including a fraudulent in-branch withdrawal and the creation of an unauthorized digital debit card. Immediate cooperation is needed from Bank of America to preserve and provide access ( to law enforcement ) to branch security video from the specific time and location where the impersonation occurred. 

On XX/XX/year>, a criminal used my wifes stolen driver license to take over her mobile phone number through a fraudulent SIM swap. For approximately two hours, the attacker received all SMS-based two-factor authentication codes sent by Bank of America. 

During this period, the attacker : * Accessed our Bank of America online banking, * Created a digital debit card without authorization, * Visited the Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, CA, * Withdrew {$4000.00} in cash between XXXX PM and XXXX XXXX, * Used my wifes stolen driver license to impersonate her in person. 
BoA case number : XXXX. 

This incident raises several urgent concerns : Bank of America approved high-risk activity immediately following a SIM-swap takeover. 

A branch allowed a same-day cash withdrawal by someone impersonating my wife using a stolen ID. 

The most critical issue : We need Bank of America to preserve and cooperate with law enforcement regarding the in-branch security video covering the timeframe XXXX XXXX XXXX  on XX/XX/year> at XXXX XXXX XXXX, XXXX XXXX XXXX This footage may identify the suspect. 

We are not receiving clear communication about the steps being taken, the evidence preserved, or the investigation timeline. 

We request CFPB assistance to ensure Bank of America : * Preserves and provides ( to law enforcement ) security camera footage of the impersonation event, * Fully investigates the unauthorized withdrawal and fraudulent digital debit card, * Provides a written explanation of how in-branch identity verification was handled, Reimburses all stolen funds under Regulation E/unauthorized transaction protections, * Confirms our accounts are secured against additional unauthorized access. 

Thank you for your 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 monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I obtained a loan through Bridgecrest XXXX XXXX. I purchaed a vehicle a XXXX XXXX XXXX. The car was shipped to me and immeditely need {$5000.00} worth of the repairs to which the extended warranty did pay for. I had been making my payments on time. I got XXXX in XXXXXXXX XXXX XXXXXXXX and notified Bridgecrest that was was being XXXX for several months and my car was being put in storage and I requested to set up automatic payments to be taken directly out of my checking account each month to make sure my car not was kept up to date. Everything was finalized. When I returned from my work tour, my car was gone. I thought it had be stolen and then after I found out after calling Bridgecrest to see if they had been notified that my car had been stolen, they informed me that due to several months of non payment that my car was reposessed. I was blown away. I told them I had made an automatic debit set up from my account each month to make the payments, they denied that anything was set up and told me my credit is ruined and I owed a balance and if it wasnt paid jail time was imminent. I requested all documents and there was a few documents in the that notified of the reposession but when I checked my mail after being gone for several months there was noting freom bridgecrest. I took all my paperwork to an attorney and they advised me there was possible fraudelentpapaer work from bridgecrest in the package and there was no notification that the reposession paperwork was sent ot recieved my certified mail as it was required by state law. On top of they they also said it was a predatory loan which is illeagle as well. I intend on hiring an attorney to pursue damages related to this including lying, removing my auto pay with out my consent, illeagle reposession as well as violating the FCRA with thier threats and putting me in a predatory loan. I was delpoyed and I have notified the States Attorney Generals offica and the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: NV

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts and inquiries were placed on my credit reports without my knowledge or authorization. I did NOT open, apply for, or consent to any of the accounts or hard inquiries that appear on my credit file. 

The following fraudulent accounts were opened in my name without my permission : Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never done business with these companies and did not authorize these accounts or applications. These accounts were opened through identity theft, and they are causing harm to my credit standing. 

Additionally, I did not authorize multiple hard inquiries that appear on my credit report. These inquiries were not initiated by me, and they further indicate unauthorized use of my personal information. 

I have prepared an identity theft affidavit, and I am submitting an FTC Identity Theft Report along with supporting documents ( ID, proof of address, etc. ) requesting the blocking and removal of these fraudulent accounts and unauthorized inquiries. 

Under FCRA 605 ( b ), I am requesting immediate blocking and deletion of all fraudulent accounts and inquiries from my credit reports. 

I need the credit bureaus and the data furnishers to fully investigate, remove the fraudulent information, and cease any collection activity related to these unauthorized accounts. 

I am requesting confirmation once the fraudulent accounts and inquiries have been permanently removed.

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