vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
I purchased a vehicle from XXXX ( serviced by Bridgecrest ) in XX/XX/year>. Since then, I have discovered multiple serious issues that represent a breach of contract and implied warranty. 

First, the vehicle was sold to me with locking lug nuts installed, but no key or tool was provided. This was not disclosed in the contract nor verbally at the time of sale. When I took the vehicle to a certified dealership, they were unable to remove the lugseven with a master tool. I was informed that the only solution would be to drill out the lugs at $ XXXX per axle, which I can not afford. This creates a serious safety issue, as I am currently unable to change a tire or repair brakes, making the vehicle unsafe and non-serviceable. 

Second, I reviewed the physical and digital copies of my signed contract and confirmed there is no mention of the locking lug nuts, no tool reference, and no as-is disclaimer anywhere in the contract. That makes this a material omission, further supporting breach of contract and implied warranty violations.

Third, I contacted Bridgecrest and was offered a conditional reimbursement only if I agreed to remove my complaint and stay silent about the matter. This is coercive and unacceptable. I should not be required to waive my consumer rights in exchange for help with a safety-related issue they caused. 

I am requesting that the CFPB investigate this situation and that Bridgecrest/XXXX be held accountable for : 1. Selling a vehicle that is unsafe and unserviceable without disclosing the locking lug configuration or tool ; 2. Failing to provide the proper equipment for basic maintenance and emergency use ; 3. Breaching the terms of the sales contract through nondisclosure and deceptive omission ; 4. Attempting to resolve the issue only under silent conditions, which violates fair practice standards. 

This matter needs immediate attention. I am not seeking a refund for silenceI am seeking a full resolution and repair pathway for a vehicle that should never have been sold in this condition without full disclosure. 
Attached you will see unfair practice as well as discrepancy of dates within their own response letter shows clear negligence to the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
MOTION TO QUASH GARNISHMENT AND REQUEST FOR HEARING COMES NOW, Defendant XXXX XXXX, and respectfully moves this Court to quash the current garnishment issued on XX/XX/XXXX, for the following reasons : On or about XX/XX/XXXX, the Plaintiff obtained a garnishment order and collected funds from Defendant 's wages. 
These funds were later returned following the Courts Order Discharging Garnishee on XX/XX/XXXX, due to an invalid debt or procedural defect. 
Despite this, the Plaintiff has filed multiple additional garnishments in this same case, attempting to collect on the same alleged debt that was previously deemed invalid for garnishment and refunded. 
Plaintiff 's repeated garnishment attempts on an invalid debt are improper and potentially abusive. 
Defendant requests that the Court : Quash the current garnishment. 
Order Plaintiff to cease further collection attempts on this debt without new legal authority.

Schedule a hearing on this matter if necessary. 

I have also tried calling them twice to day alone they have hung up on me every time I ask for a manager or I spoke with one lady and she was trying to get a answer and pretended to hear me but you can see from call recording she just ignored me I will attach both call recordings they are also upping the amount that was approved for garnishment from XXXX to roughly XXXX $ they have tried 5 times for this garnishment I have attached my credit reports showing this collection has been removed from credit as well. this company has multiple class actions lawsuits for deceptive parties and lies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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.

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
My personal information was exposed in the XXXX XXXX XXXX my information was leaked and these are the account that were effected. 
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 2025-07-09 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: MI

Complaint narrative:
My personal information was exposed in the XXXX XXXX XXXX my information was leaked and these are the account that were effected. 
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 2025-07-09 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: MO

Complaint narrative:
I disputed the information for the account XXXX  as well as XXXX both collecting through XXXX XXXX and the information came back verified for XXXX  and deleted for XXXX XXXX. In response, I submitted fraud documentation, including a completed fraud packet and an FTC Identity Theft Report, to both XXXX  and XXXX and the credit bureaus. Despite providing this information, all three major credit bureaus ; Equifax, Experian, and TransUnion, returned the account as " verified. '' This account is fraudulent and should not be associated with me. I have taken all appropriate steps to prove my identity and report the issue, and I am now requesting a thorough investigation and immediate removal of this account from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MO

Complaint narrative:
I disputed the information for the account XXXX  as well as XXXX both collecting through XXXX XXXX and the information came back verified for XXXX  and deleted for XXXX XXXX. In response, I submitted fraud documentation, including a completed fraud packet and an FTC Identity Theft Report, to both XXXX  and XXXX and the credit bureaus. Despite providing this information, all three major credit bureaus ; Equifax, Experian, and TransUnion, returned the account as " verified. '' This account is fraudulent and should not be associated with me. I have taken all appropriate steps to prove my identity and report the issue, and I am now requesting a thorough investigation and immediate removal of this account from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
My complaint is with the questionable business practices of Navy Federal Credit Union ( NFCU ). 

My credit card statement delivered in XXXX and covering the period XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> showed no payment for that period. I knew the payment was mailed and had the check number. I talked to a Customer Service ( CS ) person upon receipt of the statement and explained I had paid that bill within a few days of its receipt. The CS assured me NFCU had not received it and that I had not paid the bill. I had no bank statement covering the period of the check ( the CS said that wouldn't matter anyway as NFCU did not receive the check ). I was charged {$20.00} from my savings account and {$14.00} in interest was added to the credit card account. I paid the full balance due on the account. 

When my bank statement arrived it showed NFCU had cashed my check payment. I called NFCU and talked to the CS. There no longer was disagreement over payment ; the {$20.00} was returned from my savings account and the Interest charge was added to the overpayment on the account as a credit.

The following month 's statement charges were paid from the credit balance on the account until the last statement which arrived in XXXX and covered the period XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>. It showed an account balance of {$0.00} and a " CREDIT BALANCE REFUND '' of {$590.00}. 

Once again I talked to an NFCU CS. I didn't receive a satisfactory answer after talking to several CS persons. Their reply was that credit card balances can't have a negative credit balance beyond three months per NFCU policy and that the credit balance of {$590.00} was placed in my savings account. I complained to no avail.

My complaints are : 1. The money in my accounts was moved without my knowledge or permission.

2. Nothing on their statement shows the money has been placed in savings and that is corroborated by a savings statement received a few days later.

3. The three month NFCU policy isn't mentioned on their statements and isn't consistent with the facts : XX/XX/scrub>XXXX XXXX XXXX  charges ; balance {$830.00} XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> charges ; balance {$550.00} XX/XX/year> - XX/XX/year> charges ; balance {$0.00} That appears to me to be two months with a credit balance ; not three.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This account is currently showing a delinquent status, which is incorrect. I would like it to be disputed and updated to reflect no late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
* * Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Credit Report Inaccuracy XXXX XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to dispute the inaccurate reporting of a * * closed account * * with XXXX XXXX XXXX XXXX XXXXXXXX, account ending in XXXX XXXX XXXX XXXX XXXX which is currently being reported as * * open * * on my credit file. This misrepresentation violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

Specifically, under * * 15 U.S. Code 1681i ( a ) * *, Equifax is required to conduct a * * reasonable reinvestigation * * of any disputed information and correct or delete any data found to be inaccurate, incomplete, or unverifiable within * * 30 days * * of receiving notice.

Additionally, * * 15 U.S. Code 1681s-2 ( a ) ( 2 ) * * mandates that furnishers of information ( such as XXXX XXXX ) must notify consumer reporting agencies of any updates, including when an account is * * voluntarily closed by the consumer * *. Reporting a closed account as open is a direct violation of this provision. 

I request that Equifax promptly update the status of this account to reflect that it is * * closed * *, and provide written confirmation of the correction. I am enclosing documentation to support my claim. If further information is needed, please notify me immediately. 

Thank you for your attention to this matter and for ensuring compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXXXXXX  ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and 1681s-2 ( a ) ( 6 ), I have the legal right to request the immediate removal of any information on my credit report that resulted from identity theft. 

Timeline : On XXXX, XXXX, I submitted an FTC Identity Theft Report and provided it to the credit bureaus. 

I discovered numerous hard inquiries on my credit report that I did not authorize and that were the result of identity theft. 

I have attached my FTC Identity Theft Report and will also submit a police report if required for expedited removal. 

To date, these inquiries have not been removed despite my lawful request under FCRA and my rights under the FTC Identity Theft rules. 

Inquiries to be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are the result of fraud and are causing ongoing harm, including credit denials, increased interest rates, emotional distress, and limiting my ability to secure safe housing. 

Legal Basis : Under the FCRA, I have the right to block fraudulent information resulting from identity theft ( 15 U.S.C. 1681c-2 ).

Credit bureaus are required to promptly block and remove fraudulent data upon receipt of a valid FTC Identity Theft Report. 

Under 12 CFR 1022.43, the bureaus must block these inquiries within 4 business days of receiving the required documentation.

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