vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America customer since XXXX. Recently, my credit card account was closed without any prior notice or sufficient explanation. This action has caused inconvenience and potential harm to my credit history. 

In addition, other residents at my same address also had their Bank of America accounts closed at the same time. These households are financially independent with no shared accounts, yet it appears Bank of America has misclassified the entire address as high risk. This unfairly penalizes unrelated customers. 

When I asked Bank of America for an explanation, I was only told it was an " internal decision, '' with no clear reason provided. This lack of transparency is unacceptable and has created significant disruption.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX [ Date ] PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear PORTFOLIO RECOVERY ASSOCIATES , LLC, I am writing to request validation of the debt you claim I owe on the above-mentioned account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : XXXX. * XXXX XXXXXXXX XXXX : A copy of the original contract or agreement between the original creditor and myself. 
XXXX. * Account Statements XXXX  : A detailed breakdown of the debt, including the principal amount, interest, and fees. 
XXXX. * Chain of Assignment XXXX  : Proof of how the debt was assigned to PORTFOLIO RECOVERY ASSOCIATES , LLC. 
XXXX. * Creditor Information XXXX : The name and address of the original creditor. 

Please provide the aforementioned information within 30 days of receipt of this letter. Until I receive the requested validation, I dispute the debt and request that you cease all collection activities. 

If I do not receive the requested information, I will assume that the debt is not valid, and I will take necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Nelnet, Inc.
State: UT

Complaint narrative:
Dept Of ED/NELNET is reporting a late for XX/XX/year>. This is incorrect. I was not even aware that I had a Nelnet account as I thought all my student loans were through XXXX XXXX. I was never notified of any change and when I checked my credit and it had gone done tremendously is when I finally noticed. XXXX XXXX is reporting a late for XX/XX/year>, this is also incorrect as my account has always been set up on auto draft with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: AR

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. 
I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I got a new phone. Then when I went to make a withdraw through my business cash app account it said there was suspicious activity on my account, and that they suspended my account as a precaution. Since then I have verified and sent them proof of identification. There is currently {$2100.00} that has been locked in the account for XXXX weeks and no one has been able to resolve the issue or unsuspend my account. I have made an attempt to resolve the issue on XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year> I sent a written dispute letter to Midland Credit Management via certified mail regarding a collection account they are reporting on my credit file : Account Number : XXXX Original Creditor : XXXX XXXX XXXX  XXXX  Date Reported : XX/XX/year> Midland Credit Management has either failed to respond, or responded without providing proper validation of the debt ( original signed contract, proof of debt ownership, and complete payment history ). Despite this, they continue to report the account to the consumer reporting agencies.

Violations Noted : FDCPA 809 ( b ) : MCM is required to cease collection activity, including credit reporting, until proper validation is provided. They have not done so.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information they know or should know is inaccurate. MCM continues reporting without proper validation.

FCRA 611 ( a ) & 623 ( b ) : Upon dispute, MCM must conduct a reasonable investigation and provide documentation within XXXX days. They have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Newrez Shellpoint mortgage services reported to credit bureau false information for 60 days late payments. Newrez not applying my payments on time, reverse payments and stopped paying my escrow money on time. 
I made a payment on XX/XX/XXXX : {$420.00} which is XXXX {$100.00} principle XX/XX/XXXX : {$420.00} XXXX payments : XXXX. XX/XX/XXXX : {$420.00} XXXX. XXXX XXXX : second regular payment {$320.00} XXXX payments : XXXX XXXX : {$420.00} XXXX. XXXX XXXX : {$320.00} XXXX payments : XXXX. XX/XX/XXXX : {$420.00} XXXX. XX/XX/XXXX : {$320.00} XXXX. XX/XX/XXXX : {$500.00} XXXX. XX/XX/XXXX : {$320.00} XXXX. XX/XX/XXXX : {$320.00} Finally after I made 5 monthly payments in MONTH OF XXXX my loan was back to normal. 
XXXX XXXX systematic screwing with my loan. Did not let me pay extra escrow online. Made multiple phone calls to force pay a loan immediately. This is unacceptable. This false information on credit reports should be fixed as soon as possible. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Someone on XXXX made a fake company of a well known real custom upholstery shop. Selling people custom work and scamming them. I sent {$500.00} on XX/XX/year> and {$400.00} on XX/XX/year> with Zelle before I realized it was a scam. The person sent a different zellle account asking for money so I realized it was a scam. My Zelle is with XXXX XXXX. I called XXXX XXXX to report scam/fraud but my claim was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-04 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: FL

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report. 

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE
State: WI

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX was contacted. She contacted me stating that the state of Wisconsin was attempting to contact me and that I would not answer my phone or door for officials. No one had visited my house or called me from the number provided. They discussed private business matters with her. 
She then called them back and discussed legal action and attempted contact. She discussed my personal information without my consent or my consent to avanteusa the debt collection resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NV

Complaint narrative:
A company called XXXX XXXX submitted an invalid UCC Lien to Cashapp. I informed Cashapp that the UCC Lien was properly disputed through the Nevada Secretary of State and that a UCC Lien is not a court order. They are not supposed to freeze or limit my account access without a proper Court Order and even after I submitted the UCC Form 5 disputing the invalid UCC Lien along with legal reasons why they are not authorized to freeze or limit my account ( s ) Cashapp refused to properly reinstate my account. Cashapp simply didn't address the letter directly and Cashapp 's legal department tried to say there was nothing for them to do. I even informed them that I am not going to negotiate with XXXX XXXX because I may be filing litigation against XXXX XXXX and any other company financially harming me through this invalid UCC Lien claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : Dispute of Inaccurate Late Payment Information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute an alleged late payment that appears on my credit report for the account listed above. This account is reporting by XXXX XXXX XXXX XXXX to your agency Experian a late payment for XX/XX/XXXX to XX/XX/XXXX, which I believe is either inaccurate, outdated, or unverifiable. The Payment in question is identified as " late '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for dispute : 15 U.S.C. 1681a ( 2 ), the term " Consumer Report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report.

15 U.S.C. 1681a ( 2 ) ( a ) 1666, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for action : If XXXX XXXX XXXX XXXX can not provide sufficient documentation to support the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my consumer report. Failure to do so will be considered a violation of 15 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 
Late payments in question XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your promnpt attention to this matter. I look forward to your response and indication the late payments have been removed. 


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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Bridgecrest repossessed my XXXX XXXX XXXX on XX/XX/XXXX. I have a documented XXXX that prevents phone communication and have repeatedly requested, in writing, that all informationincluding instructions for property retrieval and payment/reinstatementbe provided to me in writing as a reasonable XXXX accommodation. I made a good faith payment and sent multiple written messages ( texts/emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and today ) to customerrelations, privacy, and their agency XXXX XXXX XXXX XXXX 
On XX/XX/XXXX, I received a sale notice with NO information about how or when I could collect my belongings, only that the car would be sold after XX/XX/XXXX, and with instructions to call for payment or details. In every interaction since, Bridgecrest has ignored my XXXX, called my written communication just a preference, and has only ever replied with repeated demands to call this number for assistance. 
There is no escalation, no supervisor, no way to get information except by phonewhich my XXXX prevents. Their responses have been dismissive, sometimes hostile, and have entirely failed to provide clear legal instructions, resulting in days of compounded stress, hardship, and deterioration of my health. I am completely blocked from resolving my account, recovering my essential property from the vehicle, or receiving any due process as a XXXX consumer. 
I am also extremely concerned about the state of my vehicle following repossession : Home surveillance video shows the car was towed from my driveway as an all-wheel-drive ( AWD ) vehicle, but it was NOT placed on a flatbed and was dragged with the parking brake engaged. This is a direct violation of the manufacturers instructions and basic repossession safetysuch handling can cause severe mechanical damage to the XXXX system, undercarriage, or brakes. Since Bridgecrest has refused in writing to give any statement on the vehicles condition or permit an inspection, I am facing not just the risk of permanent loss, but the possibility my car has been rendered inoperable or destroyed through negligent recovery. 
Bridgecrests refusal to communicate in writing, stonewalling, failure to provide a process for retrieving property, and disregard for the safety and value of my vehicle are ongoing. I ask for immediate CFPB intervention to stop the sale, compel lawful written access, and require clear, accessible information before I lose my car and property forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with explanation