vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, XXXX XXXX XXXX XX/XX/XXXX under account XXXX and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In XX/XX/XXXX, I entered a retail installment contract with XXXX, which was later assigned to Bridgecrest. During the COVID-19 pandemic, I experienced financial hardship and requested assistance, including a goodwill adjustment to remove late payments reported between XXXX. On XX/XX/XXXX, I spoke with a Bridgecrest representative named XXXX who told me that Bridgecrest does not remove late payments unless they caused the error and that the Fair Credit Reporting Act ( FCRA ) prohibits them from offering goodwill adjustments. This is factually incorrect. The FCRA does not prohibit creditors from voluntarily removing negative marks as a courtesy, so long as the reporting remains accurate and not misleading. 

Bridgecrest claimed they provided me a deferment in XX/XX/XXXX to bring my account current. However, when I requested documentation of this deferment, they did not provide it. Instead, they only sent a copy of the original XXXX contract and a letter summarizing their position not the actual deferment agreement, terms, or any record of my consent to it. 

I believe this omission is intentional and part of a pattern. Bridgecrest has now responded multiple times through the CFPB but continues to misrepresent federal law, refuses to honor my goodwill request, and has not provided the documentation I specifically asked for. Their response fails to address the substance of my complaint and appears to reflect a broader internal policy of misleading consumers about their rights under the FCRA. 

I respectfully request that the CFPB reopen and investigate this matter, require Bridgecrest to provide documentation of any deferment they claim was applied, and review whether their statements about the FCRA violate consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
* * I am filing a complaint regarding multiple transactions on my checking account ending in XXXX. While the transactions were authorized by me, I was the victim of fraud * * I purchased goods but never received anything in return. The seller failed to deliver the promised items, and I did not receive a refund. 

I submitted three separate fraud claims to my financial institution for the following amounts and dates : Claim ID : XXXX {$410.00} ( Opened : XX/XX/year> ) Claim ID : XXXX {$700.00} ( Opened : XX/XX/year> ) Claim ID : XXXX {$400.00} ( Opened : XX/XX/year> ) Despite completing the dispute process and being notified that one or more claims were marked complete as of XX/XX/year>, none of the funds have been returned to my account. 

To support my claims, I filed a police report with the XXXX XXXX Sheriffs Office under Case # XXXX, which documents that I was defrauded after paying for goods that were never delivered. 

I am requesting assistance in recovering the total amount of {$1500.00} and ensuring the financial institution fulfills its obligation to protect consumers in cases of seller fraud.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a documented and verified victim of identity theft, as reflected in FTC Report # XXXX. This identity theft is directly linked to the Equifax data breach and has caused severe damage to my credit profile. Despite submitting the FTC report and demanding corrective actions, credit bureaus continue to report inaccurate, unverifiable, and fraudulent information on my credit reports, violating my rights under the Fair Credit Reporting Act ( FCRA ).

I have submitted my FTC Identity Theft Report along with personal statements and supporting documentation to all major credit bureaus and requested immediate removal of all fraudulent data. They have failed to fully correct the issues, remove the false data, or conduct a proper reinvestigation, which violates : FCRA 611 ( failure to properly reinvestigate disputed information ) FCRA 609 ( a ) ( 1 ) ( failure to disclose sources of information ) FCRA 605B ( failure to block identity theft-related information )

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 2025-07-12 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: IL

Complaint narrative:
I am a documented and verified victim of identity theft, as reflected in FTC Report # XXXX. This identity theft is directly linked to the Equifax data breach and has caused severe damage to my credit profile. Despite submitting the FTC report and demanding corrective actions, credit bureaus continue to report inaccurate, unverifiable, and fraudulent information on my credit reports, violating my rights under the Fair Credit Reporting Act ( FCRA ).

I have submitted my FTC Identity Theft Report along with personal statements and supporting documentation to all major credit bureaus and requested immediate removal of all fraudulent data. They have failed to fully correct the issues, remove the false data, or conduct a proper reinvestigation, which violates : FCRA 611 ( failure to properly reinvestigate disputed information ) FCRA 609 ( a ) ( 1 ) ( failure to disclose sources of information ) FCRA 605B ( failure to block identity theft-related information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a formal complaint against Citibank , N.A . for the negligent and unjust handling of my personal checking account, including a government-issued tax refund, XXXX benefit deposits, and a promotional bonus I was in the process of earning. 

On Monday, XX/XX/XXXX, I deposited a valid check from the Internal Revenue Service ( IRS ) into my Citibank account. The bank immediately flagged the check as fraud, restricted my access, and gave no meaningful explanation. 

I was told the bank needed up to XXXX hours to verify the deposit. However, for over XXXX hours, I received no communication, status updates, or support. Then, after the XXXX window passed, Citibank informed me that my account would still be permanently closed upon review. 

The reason changed : they claimed I had been receiving XXXX direct deposits under names other than my own specifically, Social Security XXXX payments in my minor sons names. These are legally authorized dependent benefits, and I am the custodial payee. Still, Citibank never contacted or verified with the Social Security Administration ( XXXX ) before accusing me of misconduct and shutting down my account. 

To make matters worse, I had enrolled in a Citibank promotion offering a {$320.00} bonus for maintaining direct deposit for XXXX consecutive months. I successfully completed two months, and XXXX would have been my final qualifying month. By wrongfully closing my account and blocking my access, Citibank prevented me from fulfilling the promotion through no fault of my own.

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

Complaint narrative:
There are 2 fraudulent hard inquiries and fraudulent account on my Experian report.

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 2025-07-12 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 sent the reinvestigation letter to the credit bureaus to reinvestigate the accounts according to 15 USC 1681e ( b ), because the accounts were not assuring maximun possible accuracy then i sent in my second letter showing how accounts were in Violation according to 15 USC 1681i ( 5 ) not modifying the details within the account, then violating this law 15 USC 1681s-2, and how they are in violations of XXXX XXXX standards as you can see the attched documents. This is a CFPB complaint based on all Violations of FCRA and XXXX XXXX to get all ITEMS REMOVED for violating FEDERAL LAWS Violation of 15 U.S.C. 1681e ( b ) Duty to Assure Maximum Possible Accuracy Violation of 15 U.S.C. 1681i ( 5 ) Reinvestigation Procedures : Violation of 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information : Violations of XXXX XXXX Reporting Standards :

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing late payments reported by XXXX, Equifax, and XXXX  on my XXXX XXXX XXXX XXXX  loan account, originally opened on XX/XX/XXXX and closed in XX/XX/XXXX. These bureaus are reporting inconsistent late payments for the year XXXX, during a documented period of COVID-19 hardship in which I lost my job due to mandatory shutdowns. 

Under the CARES Act ( Section 4021 ), creditors were instructed not to report late payments if the consumer was current before the hardship. I had a history of on-time payments. XXXX  is reporting 3x 60-day lates and 1x 30-day late, while XXXX  and Equifax report 2x 60-day and 2x 30-day lates. This inconsistency and the fact that it happened during an extraordinary hardship makes it unfair and inaccurate. 

I am requesting that all late payments reported during XXXX be corrected to Paid as agreed status. This has negatively affected my credit and is against federal consumer protection law. 

Ive attached a formal PDF dispute letter explaining this in more detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In early 2025, my Navy Federal Credit Union ( NFCU ) checking account was compromised through unauthorized XXXX transfers totaling {$1500.00}. These funds were government financial aid provided to me as a XXXX  XXXX  at XXXX XXXX XXXX XXXX, where Im XXXX XXXX XXXX 

The first wave of fraudulent transactions occurred between XXXX and XX/XX/year>, including : {$100.00} on XX/XX/XXXX {$140.00} on XX/XX/XXXX {$170.00} on XX/XX/XXXX {$250.00}, {$180.00} ( Adjustment ), and {$50.00} on XX/XX/XXXX {$160.00} ( Adjustment ) on XX/XX/XXXX {$110.00} and {$210.00} ( Adjustments ) on XX/XX/XXXX {$87.00} ( Adjustment ) on XX/XX/XXXX I reported the fraud on XX/XX/year>, and was only instructed to change my password. Navy Federal claimed to send me a replacement debit card, but I never received it. That card was later activated and used by the fraudster to continue withdrawing funds via XXXX. 

On XX/XX/XXXX, the same day Navy Federal denied my original fraud claim, a second unauthorized transfer occurred under a different name. I reported this new incident on XX/XX/XXXX, and this time I was told to change both my username and password. However, NFCU failed to close and reopen my accounts to ensure they were secure. As of today, I have not received any replacement physical or digital debit card, and no new card is visible in my online account. 

At first, I believed these charges were related to automatic bill payments, which is why the fraud went unnoticed. It wasnt until a family member reviewed my transactions that I realized the extent of the unauthorized activity. 

I also explicitly requested that my XXXX access be fully disabled, but Navy Federal failed to follow through. This left my account exposed and contributed to continued fraud. While the bank processed a few adjustments to temporarily return some funds, those amounts were later reversed, putting my account in the negative. I personally recovered and safeguarded what funds remained. 

Due to my XXXX  responsibilities and personal circumstances, I have only recently had the time to formally pursue this issue further and attempt to recover my stolen funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Failure to Validate Debt Within 30 Days Complaint Against Spring Oaks Capital Tracking Number : USPS Certified Mail # XXXX Original Letter Date : XX/XX/year> To Whom It May Concern, I am filing this complaint to report a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and Regulation F, 12 C.F.R. 1006.34 by Spring Oaks Capital. 

On XX/XX/year>, I mailed a formal dispute and request for debt validation to Spring Oaks Capital via USPS Certified Mail ( tracking number XXXX ). According to USPS, the letter was delivered and signed for. As of today, more than 30 days have passed, and I have not received any response, documentation, or validation of the alleged debt. 

Under federal law, Spring Oaks Capital was required to cease all collection activity and respond with proper validation of the debt. Their failure to do so constitutes a violation of both FDCPA and Regulation F. 

I respectfully request that your office investigate this matter and take enforcement action. I am also requesting that any and all negative entries related to this unvalidated debt be removed from my credit report as a result of this violation. 

I have enclosed a copy of the original dispute letter and proof of mailing for your review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX XXXX for the past XXXX years or so has failed to correct information they're claiming to be mine, when I have provided information to show I am not responsible for this account balance. Real owner of debt said he tried reaching out to them as well and they have refused to comply, I did provide document proof and they proceed to harass me and file this false information on my credit report now as well when genuinely this debt does not belong to me. 
They've sold my information to a debt collector without permission as well called national recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app after pay service completely stopped working for me, contacted cash app .. no help, they are promising and advertising services that dont work once someone has signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint against multiple debt collection agencies who have been attempting to collect on purchased debts within the State of Michigan, despite not being licensed, bonded, or authorized to operate in this capacity per Michigan regulations. The agencies named below have violated my consumer rights by continuing collection attempts via phone and mail, and in some cases, engaging in harassment and intimidation. 

XXXX XXXX  ARS National Services , Inc XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, CA XXXX Creditor ( XXXX ) : - XXXX XXXX XXXX XXXX | Account Ending : XXXX | Alleged Balance : {$270.00} the above entities has failed to provide licensing verification as required by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Their actions may violate : - The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
- Michigan Occupational Code, MCL 339.901 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested the inaccurate information be deleted from my credit report and provided documentation to the credit report agency that notice was provided to my apartment complex in writing by signing and returning the form that was provided to me by email. 

I originally requested to transfer to a larger apartment at the end of my lease because I received temporary custody of my 3 grandchildren. I was denied for the transfer and instead completed my lease term but moved to a larger apartment elsewhere all while communicating this with management. I was never told my written notice would not suffice only that I would needed to move due to being over the occupancy for my current unit which was technically done 2 weeks prior my lease end but I paid rent for the full month to avoid any termination penalties. I was advised to do this by management. 

I also was not provided a move out statement by the management company which legally has to be provided within 30 days of move out. 

I spoke with the new management company and they said I was charged for not providing proper notice but I have emails that were responded to that shows I provided what was requested. 

I have submitted this documentation to dispute the inaccurate information on my report and they have not provided verification of debt or removed it from my report. 

This is creating a hardship with finding housing as its being reported as bad rental debt. I provided the notice form that was sent to me and completed my lease term. I have fulfilled my lease obligation and am being penalized.

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 2025-07-13 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
In 2023 this company started reporting on my credit report. They have been reporting derogatory information. Ive written to them multiple times asking them to verify this account and provide that they have the right to collect on this debt. I havent heard anything from them. Yet they still reporting negative information on my credit report.

Company response to consumer: Closed with explanation