vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bridgecrest Acceptance Corporation XXXX XXXX XXXX of Account, Improper Repossession, and Delayed Documentation Statement of Dispute I am disputing the account and actions taken by Bridgecrest Acceptance Corporation XXXX XXXX financed XXXX XXXX XXXX XXXX VIN : XXXX ). 

On XX/XX/XXXX, Bridgecrest, through XXXX XXXX XXXX and its agent XXXX XXXX XXXX, repossessed my vehicle without ever providing me with a court order, summons, billing statements, account histories, notice of default, or right-to-cure opportunities. 

The first and only notice I ever received from Bridgecrest was a Notice of XXXX dated XX/XX/XXXX, XXXX day after the repossession. This violates both : XXXX Article XXXX ( MCL XXXX, XXXX ) which requires advance notice of default and disposition ; and Truth in Lending Act / Regulation Z ( 15 U.S.C. 1637, 1641 ( g ) ; 12 C.F.R. 1026.7, 1026.39 ) which require periodic statements and notice of servicing transfer. 

On top of that, it took Bridgecrest over XXXX months to release even a copy of requested account documents. The delay is unreasonable and demonstrates bad faith. During this same period, Bridgecrest continued sending communications with FDCPA debt collection language ( this is an attempt to collect a debt ) despite my account being in active dispute with the CFPB since XX/XX/XXXX and in litigation in XXXX XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX XXXX XXXX ). 


Violations Alleged XXXX. FDCPA ( 15 U.S.C. 1692g ( b ) ) XXXX activity during an unresolved dispute. 
XXXX. TILA/ Regulation Z Failure to provide billing statements, notices, and account history. 
XXXX. XXXX Article XXXX Post-repossession Notice of XXXX issued too late to satisfy notice requirements. 
XXXX. Unfair and Deceptive Acts ( UDAAP, 12 U.S.C. 5531 ) Delayed and misleading handling of dispute responses. 


XXXX XXXX XXXX intervention by CFPB to ensure auction hold and return of vehicle pending resolution. 
XXXX Bridgecrest to provide a full, verified account history and all notices it claims were sent. 
XXXX Bridgecrests practice of issuing notices only after repossession. 
Ensure any credit reporting on this account is marked as disputed per FCRA requirements. 
Consider enforcement action for unfair practices and violations of consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
I am a verified victim of identity theft. I have provided Experian, Equifax, and TransUnion with every required document under the Fair Credit Reporting Act ( FCRA ), including my FTC Identity Theft Report, sworn affidavit, government identification, and supporting records.

Despite this, all three credit bureaus continue to : 1. Fail to apply the mandatory four-business-day block under FCRA 605B, instead forcing my disputes into repetitive 30-day investigations.

2. Maintain fraudulent accounts, inquiries, and personal information that I have proven do not belong to me.

3. Ignore or mishandle verified documents submitted through their online upload portals, mailed correspondence, and internal submission systems. 

I have re-submitted these materials multiple times, both digitally and by mail, and I have received confirmation that they were received. Yet the bureaus refuse to delete the fraudulent data or correct my personal information. Their negligence is obstructing my ability to obtain credit, housing, and employment, and is causing direct harm to my financial and personal life. 

This continued non-compliance represents a clear violation of FCRA 605B, 605C, and 623, as well as the FTCs Identity Theft enforcement rules. The bureaus have sufficient evidence to act but have willfully chosen to delay, ignore, or mishandle my lawful request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
In accordance with THE FAIR CREDIT REPORTING ACT GOVERNMENT : XXXX # XXXX Has Violated my Rigths. 
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
In accordance with THE FAIR CREDIT REPORTING ACT GOVERNMENT : XXXX # XXXX Has Violated my Rigths. 
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.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX CT AL XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Alabama XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} CREDIT COLL - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I would like to be reimbursed for the reported transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-06 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was approved for a XXXX dollar line of credit with Home Depot. Once I reached a high limit of credit available, I made a XXXX dollar payment towards balance. As a result, unbeknownst to me, my credit limit decreased creating the same high utilization I once had before making a very large payment. It became increasingly difficult to understand the reason for the decrease with Home Depot reps and making my minimum payments monthly. I let it go with hopes to bring my account current each month. My last payment was made XX/XX/year> and I attempted to make another payment XX/XX/year>. My account was closed at the end of XX/XX/year> without notice. I feel Ive been mishandled as a member and customer with this service. XXXX not sure if and when a closed account can be made active, but this will greatly affect my credit report once the statement closes this month as I continue to make future payments.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with THE FAIR CREDIT REPORTING ACT GOVERNMENT : XXXX # XXXX Has Violated my Rigths. 
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.

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 2025-10-06 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX * XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} SYNOVUS/FI - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I had a credit with Frontier airlines that I needed to use and decided to burn it up with a one-way trip. In booking the flight, a promo offer for the XXXX credit showed on the checkout screen, offering XXXX bonus miles and a {$200.00} statement credit after certain conditions were met - {$99.00} annual was paid, {$500.00} spent in the first 90 days. Fine, not a big deal. Read ALL the way through the fine print to make sure. Went ahead and applied for the card. I did NOT receive a confirmation of application, rather an email stating it was under review. I was ultimately approved and the terms on the approval email were different than the terms of the offer- now XXXX bonus points after {$99.00} annual fee paid and {$500.00} spent. I dug all over the website to find the original offer but where the original offer had displayed ( at checkout ), now showed an offer for the new terms. I reached out to XXXX and was told that offer had never existed and any questions were to be directed XXXX, the card I needed to book a flight for my husband and at this point, was starting to suspect a bait and switch situation. I created his frontier account, went through the process to find a flight and sure enough, there was the XXXX mile and {$200.00} statement credit offer on the checkout page. To confirm, I created a new, dummy account with my last name, started to to book a flight and sure enough, the offer was on the checkout page still. So I reached out to XXXX, to ask if the offer was still available. They said that it XXXX have been a unique offer but not currently available. 

Clearly, the offer is out there for the public to find and to entice people to apply for the credit card. After the application process, the offer is no longer visible anywhere when I am logged in to my account but IS visible to someone who has not applied to the card.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing you to formally express my concerns about Zelle handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. despite using Zelle numerous times and reported discrepancies. my financial institution & Zelle failed to investigate my claims inadequately. they informed me that recovering loss funds were impossible and tracking these transactions or infeasible. The CFPBs finding indicate that not only Zelle has neglected to protect customers but also has repeated offenders to exploit the system, leaving us vulnerable to scams.The lack of accountability and transparency its unacceptable and raise a serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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 am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS XXXX : XXXX XXXX- Account number : XXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX 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