vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest escalated my auto loan into repossession status while disregarding my documented XXXX and medical hardship. I placed the company on formal notice of my 100 % VA XXXX and related financial hardship as early as XX/XX/XXXX through a CFPB complaint, and I also notified Bridgecrest directly. Despite this, Bridgecrest continued to service my account strictly as a standard delinquency, without initiating any hardship review, requesting supporting information, or offering any form of assistance or accommodation. 
Throughout this period, I made payments whenever I had the funds available, and the balance went down multiple times. I consistently acted in good faith, but Bridgecrest continued daily collection activity instead of conducting a hardship review. 
Bridgecrest continued daily collection calls, continued negative credit reporting, and never paused servicing or reviewed my previously disclosed hardship. On XX/XX/XXXX, my account reflected in the repossession process. When I contacted Bridgecrest to request a repossession hold and an account-level hardship review, Customer Relations refused both, stated they had no authority to provide relief, and did not escalate me to anyone who did. I was told no hardship options existed unless I made an immediate large payment, despite the company already having months of documented notice of my XXXX and medical limitations. 
At no time did Bridgecrest conduct any evaluation of my hardship, request documentation, acknowledge my circumstances, or provide any available accommodation options. Instead, the company advanced the account toward repossession despite having clear notice for months of my XXXX and medical hardship, and without performing any review or required assessment of my situation. 
I am requesting CFPB intervention because Bridgecrest failed to review hardship, ignored prior regulatory notice, refused to provide accommodations, and escalated toward repossession without any proper evaluation of my disclosed medical and financial limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I have disputed a debt in collections with Equifax twice. This claimed debt originates from my auto insurance with XXXX. Years ago I called XXXX and cancelled my insurance. I confirmed that I cancelled before the next month would auto renew and made sure my account was paid in full. The next month XXXX charged me and kept my insurance plan going. I called them again, they apologized, cancelled the plan and said I was all good on payment. 

I thought that was that but then I started getting collections letters. I disputed this with the XXXX debt reporting agencies. Equifax has never removed it, the others have. I have tried twice to get Equifax to remove it and they just say the debt is valid and give no further information. 

I don't want this on my credit report for the next 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My XXXX XXXXXXXX credit card account is being reported with payment history and delinquency information that does not appear to be accurate, complete, or verifiable. The account was paid in full and closed. At some later point, XXXX XXXX appears to have reopened the account without my knowledge or authorization, added late fees, reported multiple consecutive late payments, and then closed the account again. I was also restricted from accessing my account history after closure, which prevents me from verifying what XXXX XXXX is reporting. 

The payment history being furnished does not align with the dates shown in the report. For example, the bureaus show multiple 60- and 90-day delinquencies during months where the account was either paid, closed, or showing a last payment date that contradicts the delinquency sequence. This raises concerns about inaccurate furnishing under FCRA 623 ( a ) ( 1 ) ( A ), failure to conduct reasonable investigation under 623 ( a ) ( 8 ), and reporting information that can not be substantiated. 

Because I no longer have access to my account history, I am requesting that XXXX  XXXX provide : A full payment history, including all fees added after the account was originally closed An explanation for why the account was reopened after being paid/closed Verification supporting each delinquency reported to the credit bureaus Documentation proving the accuracy of each late payment being furnished If XXXX XXXXXXXX can not verify each late payment with contemporaneous records, I am requesting that all unverifiable or inconsistent delinquencies be removed from my credit reports pursuant to FCRA requirements. I am not asking for anything improperonly that the information being furnished is accurate, complete, and verifiable as required by federal law. 

Thank you.

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 2025-12-08 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: PA

Complaint narrative:
My XXXX XXXXXXXX credit card account is being reported with payment history and delinquency information that does not appear to be accurate, complete, or verifiable. The account was paid in full and closed. At some later point, XXXX XXXX appears to have reopened the account without my knowledge or authorization, added late fees, reported multiple consecutive late payments, and then closed the account again. I was also restricted from accessing my account history after closure, which prevents me from verifying what XXXX XXXX is reporting. 

The payment history being furnished does not align with the dates shown in the report. For example, the bureaus show multiple 60- and 90-day delinquencies during months where the account was either paid, closed, or showing a last payment date that contradicts the delinquency sequence. This raises concerns about inaccurate furnishing under FCRA 623 ( a ) ( 1 ) ( A ), failure to conduct reasonable investigation under 623 ( a ) ( 8 ), and reporting information that can not be substantiated. 

Because I no longer have access to my account history, I am requesting that XXXX XXXXXXXX provide : A full payment history, including all fees added after the account was originally closed An explanation for why the account was reopened after being paid/closed Verification supporting each delinquency reported to the credit bureaus Documentation proving the accuracy of each late payment being furnished If XXXX XXXXXXXX can not verify each late payment with contemporaneous records, I am requesting that all unverifiable or inconsistent delinquencies be removed from my credit reports pursuant to FCRA requirements. I am not asking for anything improperonly that the information being furnished is accurate, complete, and verifiable as required by federal law. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
I am submitting a dispute regarding the accounts listed below. I believe that the information provided on my credit report is inaccurate or incomplete, and I request that these items be thoroughly investigated and corrected to reflect accurate data. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MOHELA
State: PA

Complaint narrative:
Parties XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  PA. XXXX. ( Beneficiary ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PAXXXX  ( Owner ) Pa. Tuition Account Program, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAXXXX ( Pa. 529 Program ) MohelaXXXX XXXXXXXX XXXX, XXXX, MO. XXXX ( Mohela ) Facts Beneficiary attended XXXX XXXX XXXX XXXX from XXXX to XXXX, at which time she earned a XXXX XXXX. In addition to financing her degree via the 529Program, Beneficiary also had a XXXX. XXXX XXXX Federal Direct Loan which totaled {$25000.00} over four years. Beneficiary began making monthly loan payments of {$260.00} to Mohela. The account no. is XXXX. On XXXX XXXX, XXXX, ) Owner submitted a withdrawal request to Pa. 529 Program in the full amount of the loan. Pa. 529 Program sent a check for the full amount along with a cover letter containing Beneficiary 's name to the MO. address. On or about XXXX, XXXX, Mohela deposited or cashed the check. The check number was XXXX. Owner and Beneficiary have contacted Mohela several times. The common Mohela reply is that it never got the check. During a XX/XX/XXXX call, Mohela told owner that if check receipt were verified, the loan would be paid in full and Mohela would have to refund payment amount to Beneficiary. Mohela also advised that correct payment address is XXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX. Owner does not know if Mohela did reseaech to find out where the check had gone. Someone at Mohela handled the check. Meanwhile, Beneficiary makes monthly payments on a loan that Mohela should have declared " paid in full ).

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The dates being reported by XXXX and experian are inaccurate its says the account opened XX/XX/year> when I fact it was opened XX/XX/year> And the down payment amount reported is fraudulent we only made a payment of XXXX ask theyll dealership for proof of payment.

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 2025-12-08 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: SC

Complaint narrative:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I contacted the company regarding XXXX accounts I was unaware of. 
The representative stated on a recorded line that the collections were request to be removed on XX/XX/XXXX from my credit report. 
He initially stated he would send out an email within XXXX hours stating this. 
When I had another question and called again, he stated that both accounts were requested to be removed, but they would not be sending out an email. 
This is seems to be deceptive, and I dont know if either of these accounts was actually requested to be removed by them. 
These were both on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
There are some hard inquiries on my Experian Credit Report that are unauthorized and/or unrecognized. I have requested repeatedly for Experian to remove these hard inquiries, but they have failed to do so. They have not provided me with documentation that I authorized these inquiries, nor have they provided any proof of permissible purpose. 

Unauthorized/Unrecognized Hard Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
My Openbank ( XXXX ) account has been blocked for over XXXX months. I have funds trapped in the account that I can see but can not access. Customer service has stated they do not know why the account is blocked and can not see any details of the hold. I have called XXXX separate times and each representative opened a ticket, but the next representative could not see it. I now have XXXX separate tickets and XXXX information about why my account is restricted. 
The bank has failed to provide the required information about the category of the hold ( fraud review, identity verification, compliance review, or XXXX ) and has provided no timeline for resolution. I have been denied access to my own funds for over 60 days without explanation. I am requesting that the bank release my account or provide a clear reason and deadline.

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 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I am a small business owner with an XXXX loan with Huntington Bank. On XXXX I requested a deferment and/or loan restructuring to help reduce the loan payments as I was having cash for issues. Those issues included a difficulty making the nearly XXXX month payment. I was assingned to XXXX XXXX a special portfolio XXXX with Huntington Bank. 

Their were at least XXXX attempts to gain a status update from XXXX XXXX. On XXXX XXXX 2025 he requested a vehicle insurance update with the lender loss payable to Huntington. This was completed after several request for updates on his part on the XXXX of XXXX After the COI was updated then the concern was an update on my General liability to have an Huntington XXXX for lender loss on XXXX XXXX. This was done by XXXX insurance to his satisfaction. He then requested an itemized coverage in my XXXX XXXX policy for my home office. It is XXXX sq ft and I informed him the only asset belonging to the company is a laptop valued at {$750.00} and as a Painting company that subcontracts work I dont own inventory of equipment. I got him in touch with my personal insurance agent XXXX who has made adjustments, I get no status updates. 
The loan continues to come out of my account leaving a negative balance. I am frustrated this is taking 4 months just to get financial help. Huntington has been XXXX nightmare of a company to work with and I would not recommend any potential business owners to use there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am disputing the accuracy of the following charged-off account and late payment listed on my Experian credit report. I believe these items may be inaccurately reported, and I am requesting a full reinvestigation of these entries. 

XXXX XXXX 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 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 2025-12-08 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: NJ

Complaint narrative:
b'Dear Sir/Madam,\n\nI am submitting this complaint because Experian is reporting information that is inaccurate, incomplete, and not meeting the FCRAs standard of Maximum Possible Accuracy (15 U.S.C. 1681e(b)). I am requesting a full reinvestigation into the items below. These accounts are either reporting the wrong balance, dates, or are simply not verifiable. I have never been provided any proof or documentation validating these entries. Please correct or delete the errors immediately.\XXXX XXXX  Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (INACCURATE BALANCE)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts are reporting inconsistent balances across bureaus. If Experian cannot verify them with proper documentation, they must be corrected or deleted under 1681i (Failure to ReinvestigateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese late payments are not accurately documented. I am requesting verification with actual payment history records. If no proof is produced, delete these late marks.'

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX has failed to properly handle my fraud report. I was targeted in a social engineering / impersonation scam after listing an item on XXXX XXXX. A scammer impersonated XXXX and sent a fake message claiming my payment could not be processed unless I sent additional funds. This was false and part of a coordinated scam. 
Under manipulation and deception, I sent funds through XXXX XXXX, XXXX, and XXXX. These transfers were not intentionally authorized ; they were fraud-induced transactions, also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Despite reporting the scam promptly, Wells Fargo : Incorrectly labeled the transfers as authorized, Refused to reopen or escalate my case, Failed to provide a case number, Ignored clear indicators of impersonation fraud. 
Wells Fargos refusal to conduct a proper fraud review leaves me without protection and contradicts current expectations for handling impersonation and social engineering scams.

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 2025-12-08 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I used an American Express to make XXXX purchases for travel insurance to be provided in late XXXX. The merchant- the XXXX XXXX company- stated that there was no policy purchased or claimed that the policy had not been paid for. I filed XXXX disputes with American Express ( AMEX Disputes numbers XXXX and XXXX ). The merchant merely sent AMEX the purported policy but failed to provide all of my numerous communications with the merchant that document that the merchant has failed to provide the service. AMEX is not properly assisting me in disputing these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not appear on my credit report. I urge you to resolve this issue by removing them.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Issue : Collection activity without proper validation ; potential reporting without verification.

Midland Credit Management has been attempting to collect a debt allegedly purchased from an original creditor. I requested validation of the debt, including documentation establishing ownership, balance accuracy, and itemization, but I received only billing statements that do not establish ownership or chain of assignment.

Midland has continued collection attempts without providing adequate validation. I am concerned that Midland may report this account to the credit bureaus without first providing proper validation, which would violate FDCPA and FCRA.

I am requesting Midland provide adequate validation of the debt, including documentation showing ownership, assignment, and balance accuracy, or cease collection attempts and confirm the account will not be reported to the credit bureaus.

Company response to consumer: Closed with explanation