vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XX/XX/2025, my vehicle was towed from private property by an apartment complex where I previously lived. After the tow, Bridgecrest retrieved the vehicle from the impound lot and has treated this as a repossession.

At the time, I was current on all payments and not in default. Massachusetts law ( M.G.L. c. 255B 20A ) requires lenders to provide a 21-day Right to Cure notice before repossessing a vehicle, but I never received such notice. 

On XX/XX/2025, I sent Bridgecrest a formal dispute and Chapter 93A demand letter via certified mail and email. On XX/XX/2025, Bridgecrest responded in writing, stating that retrieval was due to the vehicle being impounded. Their response did not provide evidence of any Right to Cure notice and avoided using the word repossession.

I followed up with another certified letter on XX/XX/2025, again requesting : 1. Proof of any Right to Cure notice, 2. Waiver of repossession and storage fees, and 3. The immediate return of my vehicle.

Bridgecrest has not returned the vehicle. Instead, they continue to demand payment of fees before release, despite having no legal basis for repossession. 

This has caused significant financial harm and hardship. I am requesting that the CFPB require Bridgecrest to : Return my vehicle, Waive all improper fees, and Demonstrate compliance with Massachusetts consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} These 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit reports and found multiple accounts reported as collections that I do not recognize, authorize, or owe. These accounts were opened without my knowledge or consent and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX XXXX reported with alleged balances of {$700.00} and {$650.00}, with opening dates of XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX ( XXXX ) reported with an alleged balance of {$1000.00}, opened on XX/XX/XXXX, original creditor listed as XXXXXXXX XXXX 

XXXX XXXX XXXX reported again with alleged balances of {$700.00} and {$650.00}, tied to XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX XXXX, with opening dates of XX/XX/XXXX and XX/XX/XXXX. 

I never applied for, opened, or authorized these accounts. I have already filed an Identity Theft Report with the FTC and am requesting that these fraudulent accounts be removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Dear CFPB, I am writing to request your intervention and assistance with reinstating my XXXX account. I have spoken to countless individuals and correspondence to both XXXX and Wells Fargo Bank. There appears to be a significant disconnect and lack of collaboration between Wells Fargo and XXXX, who have referred me back and forth to the other. 

On XX/XX/year>, I received a XXXX deposit of {$160.00} from an individual named, XXXX XXXX, whom I do not know nor recognize. As soon as I identified the suspicious activity, I immediately contacted Wells Fargo and XXXX to report it as a scam and asked that the transaction be voided. I was informed that Wells Fargo flagged the transaction and blocked the funds. As you will see ( attached ), the transaction was reversed, and the {$160.00} funds were returned to the sender ( XXXX XXXX XXXX. My claim numbers I was provided by Wells Fargo are as follows : XXXX, XXXX, and XXXX. The prohibition on my XXXX service is an error. I did not request for this suspension to my account. 

I want to emphasize that I took all appropriate and timely steps by reporting the suspicious deposit honestly and without delay. I respectfully request that I not be penalized for acting in good faith and protecting my account. The XXXX prohibition associated with my phone number ( XXXX ) XXXX is unfair and unjust. 

As I have exhausted all other avenues, I desperately would appreciate any assistance to restore my XXXX functionality as soon as possible, as I rely on this service for important transactions. I am willing to verify my identify and provide documentation necessary to help resolve this issue. 

Thank you for your attention to this matter.

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 2025-08-21 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
On XX/XX/year>, I mailed XXXX XXXX a debt validation request via first-class mail with a certificate of mailing. This request asked for verification of the alleged debt, including a signed contract, complete payment history, and proof of ownership/assignment of the account. XXXX XXXX did not provide the requested documentation. Instead, they verified the account with the credit bureaus without supplying any evidence to me. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because I have the right to receive proper validation before further reporting. I also contacted the credit bureaus to dispute the account, but it remains on my reports without the required proof from 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 2025-08-21 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: TX

Complaint narrative:
On XX/XX/year>, I mailed XXXX XXXX a debt validation request via first-class mail with a certificate of mailing. This request asked for verification of the alleged debt, including a signed contract, complete payment history, and proof of ownership/assignment of the account. XXXX XXXX did not provide the requested documentation. Instead, they verified the account with the credit bureaus without supplying any evidence to me. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) because I have the right to receive proper validation before further reporting. I also contacted the credit bureaus to dispute the account, but it remains on my reports without the required proof from 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 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have ordered XXXX XXXX in the my local Chase branch XX/XX/XXXX Bank 's representative said : We don't have XXXX it will take 2 days to order that amount. 
It will cost {$2500.00}. 
I did not know the current rate and I was agree. I am XXXX years Chase customer and I trasted them. 
I came home and check online rate, It was almost twise less. 
Next day XXXX XXXX  I came to my local branch and would like cancel that order. They said : " We ordered your amount, but that amount even would not sendto us. We can not cancel your order ''. 
In 3 hours I received phone call. I visited local branch again. 
Bank 's representative said : We will buy your XXXX back for {$2100.00}. 
I lost {$360.00} I did not have XXXX I even did not touch and see them. 
I dod n't understand that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
The charges placed on my card are not correct. A stray cat was taken to the XXXX XXXX XXXX  for treatment on XX/XX/XXXX by my relative, XXXX XXXX. XXXX used my card to pay for the visit and called me before signing the invoice. The XXXX  employee advised they placed a deposit of {$400.00} on my card to ensure payment as standard practice. However, we were told multiple times the deposit amount will be deducted from the final bill once service was complete. The employee came back in after evaluation and gave the estimate of {$1300.00} total and CIRCLED the amount on the invoice to show what the total bill would be. You can also verify this by looking at the documents provided by the XXXX XXXX agreed to pay the XXXX with my card and was advised that the deposit that had already been paid ( {$400.00} ) will be reversed since the total bill was paid in full. This did not happen. I was charged in full for both transactions and no deposit was returned. This is theft. The attached document shows the estimate with 2 prices, the employee told us that the cats services will total the lower amount since he would only be staying less than 48 hours and we would pick him up on Sunday XX/XX/XXXX and she circled the amount on the invoice to show which charge we were responsible for. I contacted the XXXX office 3 times about this issue and escalated to the office manager and the owner, the owner was not willing to speak with me or communicate in any way however the office manager during my phone call confirmed the deposit should have been deducted from the total invoice and this was a mistake by the office clerk who prepared the invoiced. The office manager said that she spoke with the owner and was forbidden to correct the mistake. This is outright theft and a classic bait and switch. This type of fraud is not acceptable and I can not fathom how or why CITI would allow this to happen to their own customers. The documents provided by the XXXX show the same thing my documents prove, I WAS LIED TO. If this matter is not handled by CITI appropriately and the charge REVERSED FROM MY ACCOUNT, I will be filing a complaint with the CFPB and the attorney general. I will not allow this to continue any further and you can be sure that I will never use CITI for another purchase again. I also did not sign the invoice as youll se eon the paperwork provided by the XXXX I have no legal responsibility to pay this charge, the debit is owned by XXXX XXXX, not me. CITI closed by dispute as customer responsible even thought he documents provided BY THE MERCHANT show they overcharged me. Total incompetence.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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

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 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This concerns getting a refund from XXXXXXXX XXXX where I used a Care Credit card to pay the installments. I got my first impressions of XXXX in XX/XX/XXXX for {$2200.00}. I used them religiously as I was told and within about a month I reached out saying I did not see any changes. They told me to keep going and I did, but after 15 weeks ( when I should have been done ) I told them my XXXX were still not like they said they would be in my XXXX model. They gave me a 2nd pair of XXXX on XXXX of XXXX and said they should work better. After using those until now my teeth are more crooked than before treatment. They said they are committed for their smile guarantee, but the product does not work. I am disputing for a full refund as I did not get any benefit from the product and it worsened my teeth. I reached out many times asking for a refund but they said they are not able to. I was originally told they dont do refunds which I know is false. They then said they reviewed and I can't get one.

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 2025-08-21 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-21 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: CT

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation