vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of Identity theft. my information has been involved in 5 plus data breaches and my personal information has been stolen. Somebody without my consent is trying to obtain credit without my knowledge. there are multiple inquires on my credit report I did not authorize. there are also address on my report that don't belong to me and that have never belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I purchased a used vehicle from XXXX on XX/XX/XXXX. The car had issues early on, and neither XXXX nor their warranty company ( XXXX ) provided proper support. I was repeatedly sent to repair shops that were unavailable, unresponsive, or did not exist. I later learned I should have been allowed to be referred from an in-network mechanic to an out-of-network mechanic while still paying in-network pricing, but this was never disclosed until after my warranty expired. 

The vehicle is now completely inoperable. XXXX came on XX/XX/XXXX and performed a full battery diagnostic. The results showed : XXXX % charge, 11.45V, 135 CCA ( required 600 CCA ), 22 % health, and BAD & REPLACE. I had no choice but to pay {$250.00} out of pocket for a new AGM battery. This was the original factory battery from XXXX, and a battery should not fail this severely within seven months of ownership unless it was already failing at the time of sale, neglected before delivery, or there is an electrical/charging defect. 

Even after replacing the battery, multiple service lights remain on, indicating deeper mechanical or electrical problems. XXXX XXXX inspection also appears inaccuratemy vehicle was not detailed, I found the previous owners information inside, and a windshield chip listed as repaired was still visible. 

Bridgecrest continues collection and repossession attempts despite the vehicle being unsafe and inoperable. I have filed a complaint with the Delaware Attorney General due to these issues. I am requesting investigation and protection while the matter is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In reviewing my credit report I have found the following inaccurate accounts. I have not received any notices from Midland Credit regarding such debt prior to reporting. Account ( s ) disputed : {$460.00} and {$680.00} I requested the following : 1. Forward Flow Agreements. 2. Name and Address of the Original Creditor 3. Chain of Assignments 4. Account Level Documentation. 5. Proof Midland Credit is legally authorized to collect this debt 6. Complete payment history and billing statements showing how the amount you claim i owe. My request was in accordance with the FDCPA, 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I disputed these accounts on multiple occasions and they came back verified each time. They overlapped on the XXXX  days allowed and still came back verified. They never sent me anything proving a proper and complete reinvestigation. Only said they did a investigation and verified the items. I also sent them a notice to sue and they verified the accounts after that too. I then called and reported the accounts as fraud and they said they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IA

Complaint narrative:
So on XX/XX/year>. My son to be wife 's bank card was link to my chime account .. well some one stole her phone. And took money from my chime to there XXXX XXXX I've sent them the person name a pictures of the transaction .. and they denied me .. XXXX dollars is alot of money. It was my rent.. I was evicted from my apartment..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A fair resolution would be the full removal of all accounts that can not be verified as mine. I am requesting that the XXXX account, the XXXX account, and the affected collection accounts be deleted from my credit report because the identifying information attached to them ( including the date of birth and address ) does not match my information. 

I am asking that the companies involved permanently stop reporting these accounts, block them from appearing on my credit file, and confirm the deletions in writing once completed. 

This resolution would correct the inaccurate reporting and restore my credit file to an accurate and fair state.

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 2025-12-01 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: GA

Complaint narrative:
FRAUD TOOK PLACE ON MY ACCOUNT TWICE AND I REQUESTED THAT THE ACCOUNT BE CLOSED AND WAS TOLD THAT IT WOULD. MONTHS LATER I RECEIVE FRAUDULENT LATE PAYMENTS AND CHARGES WHEN THE ACCOUNT WAS SUPPOSE TO BE CLOSED. I NEED THE DEROGATORY MARKS REMOVED ASAP! DONT REMOVE THE ENTIRE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FRAUD TOOK PLACE ON MY ACCOUNT TWICE AND I REQUESTED THAT THE ACCOUNT BE CLOSED AND WAS TOLD THAT IT WOULD. MONTHS LATER I RECEIVE FRAUDULENT LATE PAYMENTS AND CHARGES WHEN THE ACCOUNT WAS SUPPOSE TO BE CLOSED. I NEED THE DEROGATORY MARKS REMOVED ASAP! DONT REMOVE THE ENTIRE ACCOUNT

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 2025-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage did not send out my XXXX XXXX XXXX payment, even after they had been notified in writing on XX/XX/year>. On XX/XX/year>, XXXX XXXX canceled my homeowners insurance for non-payment. Myself and my insurance broker had no idea that I had been without homeowners insurance for two months. We tried to get reinstated with XXXX ; XXXX refused, so I had to get XXXX XXXX XXXX which is high-risk homeowners insurance, paying {$1000.00} more a year for this insurance.

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 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OR

Complaint narrative:
This really has been a terrible experience for me. Cashapp has closed my account for reasons that are not truthful or correct XXXX  assumptions and I am very disappointed with this company and the way they treat customers. I dont wish to have my account back and I have been trying daily for 3 weeks to get my money transferred out of my closed Account and onto a card as I have been instructed to link a new card and that has failed many times so I then tried to relink an account as per their instructions but to my disappointment it would not link! I cant even pay my bills as cashapp was my bank my direct deposit was with them Im soon to lose my home due to non payment Cashapp has my rental payment as they were my bank and my way to pay all my bills.. I did not gamble as they say I did so I pretty much lost my account for no reason. I had a business account and I did all my business transactions through them. I had lunch, dinner with hopeful business associates and paid gas fares received payments etc and Ive looked through my history and makes no sense why my account was closed im the first place XXXX adds more frustration to the situation.

I just really would like to have my money I could care less to reopen my account. Please release my money Send me a check or manually transfer it to my previous linked account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CONSUMER COMPLAINT UNAUTHORIZED CREDIT CARD CHARGE / BANK DISPUTE Complainant Name : XXXX XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone Number : XXXX Email Address : XXXX Bank Name : JPMorgan Chase Bank , N.A . 
Mailing Address : Card Services XXXX XXXX XXXX XXXX, DE XXXX Merchant Name : XXXX  XXXX Used XXXX XXXX XXXX Location : XXXX, Florida Transaction Date : XX/XX/year> Amount Disputed : {$1600.00} Chase Reference Number : XXXX Account ( Last XXXX ) : XXXX Complaint Details : I am formally filing a complaint against Chase Bank regarding their wrongful denial of my fraud claim for an unauthorized charge on my credit card. 

On XX/XX/year>, a charge in the amount of {$1600.00} was processed by XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida. I did not authorize this transaction. I did not make this purchase. I did not participate in this transaction in any way, and I did not receive any goods or services. 

I immediately reported the charge to Chase as unauthorized. Despite this, Chase denied my dispute and stated that I received benefit from the transaction. This claim is entirely false. I never received any auto parts, funds, services, refunds, compensation, or benefit from this business. I have no relationship or dealings with XXXX XXXX XXXX XXXX XXXX and no connection to this merchant. 

Chase later issued a written denial on XX/XX/year>, stating that I am responsible for the transaction on the basis that I received benefit, without providing documentation or evidence to support this claim. This decision is inaccurate, unsupported, and violates basic consumer protection rights related to unauthorized charges. 

I am now being held liable for fraud that I did not commit and from which I received no benefit. I am being financially harmed by XXXX  failure to properly investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-01 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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