vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Hello, I am disputing a collection account being reported by National Credit Systems ( Account No. XXXX ). I requested validation of the alleged debt and documentation proving I am legally obligated to pay. The collector has not provided any proof such as an original contract, itemized charges, or a breakdown of the balance. They continue collection activity without proper validation, which violates the FDCPA. 
The rent was paid in full all months can they provide with historical data of my payments as well. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, Louisiana Company : Portfolio Recovery Associates Portfolio Recovery Associates is reporting an account originated from XXXX XXXX, XXXX, opened XX/XX/year>, with a past-due balance of {$340.00}. The reporting may be inaccurate or incomplete, and despite requests, XXXX has failed to provide verification of the debt. 

I request immediate correction or deletion of this account across all credit bureaus, and cessation of collection activity until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
State of TEXAS Equifax , INC. Data Breach XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I write as a documented Texas Pro Se consumer impacted bv identity theft arising from the Equifax and XXXX XXXX  data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent.

I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to your agency that the accounts listed does not belong to me. These accounts stem from theft, a crime of which I am a victim. Your agency received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect your agency to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to expunge fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I am writing to formally demand that Bridgecrest cease and desist all communication with me regarding the alleged debt associated with my name, XXXX XXXX, and the following account : - Account Number : XXXX This demand is pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and in response to ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), relating to false credit reporting and failure to verify debts.

I am aware of my rights under the FCRA, including : 1. Failure to Provide Accurate Information : Under 15 U.S.C. 1681s-2 ( a ), entities furnishing information to credit reporting agencies are required to report accurate information. Your collection attempts include either mistakenly attributing a debt to me or failing to validate the debt as required under the FCRA. 
2. Failure to Provide Verification : I hereby demand that you validate the alleged debt as per 15 U.S.C. 1692g. Until you provide adequate validation of the debtincluding the original creditors information, the amount originally owed, and any documentation evidencing that I am responsible for this debtyour agency is required to cease all collection activities. 
Additionally, I have received numerous telephone calls from your agency that have included threats of legal action and other coercive tactics intended to intimidate me into paying a debt which, upon information and belief, I do not owe. Such actions are in direct violation of 15 U.S.C. 1692d, which prohibits harassment or abuse by debt collectors, and constitute unlawful practices that I will not tolerate.

This letter serves as formal notice that any further communication or attempts to collect this alleged debt without proper validation or verification will result in filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as potential legal action against your agency. 
Please confirm the receipt of this letter and provide the requested documentation within 30 days from the date of this letter. Until proper validation is received, you are hereby instructed to stop all telephone communication, written communication, or any other forms of contact regarding this matter. 
Should you fail to comply with this demand, I will not hesitate to pursue all available legal remedies. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards, auto loan utilitily accounts dr pet bill on my 3 credit reporting agencies. I've never gave anyone permission or authorization to open these acocunts. These accounts were open without my consent. Inquries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
I have direct evidence and statement from XXXX that Mercari is wrongful overcharging me for shipping label as its has been a pattern for mail fraud. used Mercari platform to make a sale on my personal items. The sales was {$32.00}. I selected the pre-paid shipping label provided by Mercari and I put the weight 5lbs and XXXX inches and price quoted for shipping label using XXXX  is {$7.00} sold from Mercari. After the item was delivered to seller, I got an unknown charger from Mercari for overweight charges, they said the package was 12lbs. I emailed them immediately told them that this is incorrect because I have a receipt from XXXX  showing 4.86lb. They give me No option to dispute it and refused to provide any proof showing the weight is over. Im demanding Mercari to show me proof of the overweight charges from XXXX  or they need to honor what is stated on the receipt, the receipt clearly shows under 5 lbs and all weight was added in real time when they accepted the package at XXXX. Thats what the receipt for in case of Im being wrongly charged so I can dispute it. the weight provided from Mercari doesnt match the weight on the receipt given by XXXX . Please release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, the first of XXXX payoff checks was mailed to westlake financial loan services in California, to the address provided by a westlake representative. I called daily after tracking shows it was received by westlake. They refused to apply the funds to my account, advising I send another check. A second check was sent and shows received on XX/XX/XXXX at XXXX. I called daily, yet again, they refused to apply the funds to close my account, instead just extended my due date to XX/XX/XXXX. They advised me to send a third check which was sent overnighted yesterday. Each time the payoff amount increases and I continue to owe a monthly payment to westlake financial. XXXX XXXX is the new leinholder, and they are in possession of the title and my auto loan. XXXX XXXX is issuing the payoff checks and they have told me repeatedly, this is what westlake financial does with all of their customers, to continue to extort monthly payments from previous customers, while they are also struggling to pay their new lender. I am a XXXX single mother of XXXX, XXXX XXXX child. I am on a fixed income. I have researched westlake financial and learned theyve done this to our service men and women. If westlake financial will repossess the vehicles of our XXXX service members, they will have no problem extorting money from the elderly and XXXX. Please make them close my old loan with them so I will only have XXXX auto loan. Thank you, XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MO

Complaint narrative:
I borrowed money from Cash App and I made a few payments on a loan. I requested another loan for {$250.00}. The loan processed and reflects on my loan balance but not my account balance increasing it by said amount. According to Cash App support my balance is XXXX. But I assured them that its not. My transaction history should make this an easy fix. Not sure if its a new way to discriminate against people or not but it sure seems that way giving that this option allows for me to relieve some financial tension and I dont pay back I dont have this option as a back up because Cash App support is being instrumental to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-27 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: NC

Complaint narrative:
I am a victim of identity theft, There are several accounts on my XXXX credit reports thats I never gave anyone permission or authorization toopen these accounts without my consent. These accoints need to be removed immediately. I didnt benefit or gain any money from these fraudulent accounts. Inquiries are XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am disputing inaccurate information being reported on my credit file by XXXX XXXX Bank, XXXX. 

An address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is being associated with my consumer file and linked to a JPMCB account. I have never resided at this address, never received mail there, and have no legal association with that location. 

I previously disputed this address with Experian. Despite this, the address and/or related account continues to be reported without XXXX XXXX XXXX XXXX proving my residency or authorization. 

This constitutes inaccurate reporting and a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I have requested validation and verification of this information, including proof of residency and permissible purpose, but no such documentation has been provided.

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 2025-12-27 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: SC

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL 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 2025-12-27 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: CO

Complaint narrative:
All 3 credit bureaus plummeted my credit score between XXXX to XXXX points after paying off my student loans in full in XXXX of 2025. I pay all of my bills on time. I have no open credit cards and no credit card debt. The only loan I have open is a 30-year fixed mortgage that I always pay on time. That is it. The mortgage is all that I owe. How can it be that someone works hard, graduates from college, pays off their loans in full, then gets a swift crack across the face by having their credit score radically dropped? The credit bureaus put lists out in your account stating what is " favorable '' for your credit score and what is " hurting '' your credit score. The reasons are entirely contradictory and uncomprehensive within each list and across the lists. The credit bureaus have no logical answer for these contradictions and state that they are standard across everyones ' accounts. How can this be? They are listing information that is false in my account and can not explain or justify any logic to support the lists they post. If they are doing this to me, then they are doing this to millions of Americans, as well. This isn't right. In my XXXX XXXX, I have never had my credit score plunge for paying off a loan sooner multiple loans.

Company response to consumer: Closed with explanation