vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-23 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am submitting this complaint against Bridgecrest Financial for improper and misleading handling of my auto loan account. The company charged off my vehicle loan and reported it as a charge-off to the credit bureaus effectively writing off the debt for tax purposes yet continues to demand full payment on the loan balance.

Under California law and standard accounting practices, a charged-off account indicates that the creditor has written off the balance as a loss and may no longer collect on the debt unless it has been properly sold or transferred to a third-party collection agency. Despite this, Bridgecrest Financial continues to collect payments from me directly while refusing to provide documentation explaining the legal basis for continued collection after the account was charged off.

Additionally, I have requested a full accounting record, a copy of the charge-off statement, and the title to my vehicle, since the debt has been classified as charged off. Bridgecrest has failed to provide this information and continues to report negative activity to credit agencies, which constitutes both consumer harm and potential misrepresentation of the account status.

I am requesting a full investigation into Bridgecrest Financials handling of this matter, including : Verification of whether the account was charged off and claimed as a tax write-off.

The legal justification for continued collection after the charge-off.

Release of the vehicle title if the account is no longer collectible.

Correction of any inaccurate reporting to credit bureaus. 



Thank you for your attention to this matter. I am seeking a fair resolution, including correction of the account status, refund of any improperly collected payments after the charge-off, and removal of any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Theres inquiries on my credit report that needs to be moved. Please remove these items for me please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: National Debt Holdings, LLC
State: SC

Complaint narrative:
I am submitting this complaint regarding a debt collection matter that has been improperly handled. I disputed an alleged debt and, pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I requested full validation of the debt. The original creditor has informed me that they provided the debt collector with pictures as part of the alleged proof. However, the debt collector has failed to furnish me with these materials or any verifiable evidence, in direct violation of the FDCPA, which requires collectors to cease collection activities until proper validation is provided. Despite my dispute, the collector continues to attempt collection activity without adequate proof. This is not only a violation of FDCPA 809 ( b ), but also potentially impacts my credit standing in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) if negative information has been reported without proper verification. This ongoing issue has caused damages to my financial well-being, undue stress, and reputational harm. I am exercising my rights under federal law and request that : 1. The debt collector be compelled to provide full and proper validation of the debt, including the documentation and pictures allegedly supplied by the original creditor. 2. All collection activity be suspended until validation is properly provided. 3. Any inaccurate or unverified information furnished to the credit bureaus be corrected or deleted immediately, in accordance with the FCRA. I am tired of the damages this situation has caused, and I respectfully request the Bureaus intervention to enforce compliance with federal consumer protection laws. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Summary : This complaint concerns the continued reporting of inaccurate and outdated personal-identifying information ( PII ) and unresolved identity-theft indicators across multiple credit reports, despite repeated written, phone, and online requests for correction. The company has failed to meet its reinvestigation, disclosure, and safeguarding obligations under the Fair Credit Reporting Act ( FCRA ). 

1 Issues Reported Failure to delete outdated addresses, phone numbers, and employer data. 

Inconsistent presentation of account numbers, payment statuses, and employer information across the major credit bureaus, suggesting possible mixed-file or identity-theft activity. 

Failure to suppress personally sensitive data such as date of birth or Social Security number from public view. 

Refusal or omission to provide a Method of Verification ( MOV ) when disputed accounts were challenged.

2 Violations Cited 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data.

15 U.S.C. 1681s-2 : Failure of furnishers to ensure accuracy in reporting.

15 U.S.C. 1681e ( b ) : Lack of reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding unauthorized hard inquiries that appear on my credit report. These inquiries were not initiated or approved by me and are negatively impacting my credit score. 

Below are the details of the inquiries in question : Creditor Names/ Date of Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the credit bureaus and the creditors directly to dispute these inquiries but have not received a satisfactory response. I believe these inquiries were made without my authorization and may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB review this issue and assist in having these unauthorized inquiries removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
This account, originally issued by XXXXXXXX XXXX XXXX XXXX XXXX XXXX, is being inaccurately reported by the credit bureaus as charged off with multiple late payments. 
I previously disputed this information directly with the credit bureaus and requested validation from XXXXXXXX XXXX. Despite my request, no proper documentation or verification method was ever provided. 

The account was closed and transferred, yet XXXXXXXX XXXX continued reporting negative activity, including delinquencies and a charge-off, after they no longer held the account. 
This constitutes an inaccurate and incomplete representation under the Fair Credit Reporting Act ( FCRA ), specifically violating 1681i and 1681s-2, as the data furnisher failed to investigate and correct errors after being notified of the dispute. 

This submission serves as a resubmission and correction of my prior CFPB complaint. Additional supporting documents have been uploaded to show my disputes, correspondence, and the reporting errors reflected on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received a call today from XXXX XXXX XXXX XXXX claimed they were not a collections company. But, a " legal company '' They said they had sent me documentation multiple times. I have not received anything in the mail They said their client is Citi Bank card They said they are representing " a group of laywers '' but would not give any names because they are under NDA They emailed me a letter that asked for a payment through the SecureCRM online portal The letter did not list the account number on the account The letter states " Our Client Citi Bank Card '' The letter said the amount owed is {$8100.00} The representative on the phone said the would settle for a lower amount I have documentation that this account was charged off in XXXX and Citi Bank sold the account in XXXX. The last recorded payment was XXXX. 

The mailing address in this Company 's letter was the same as another company that previously contacted me about the same account named 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the following account appearing on my consumer credit reports : Account Name : Security Credit Services Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$190.00} Date Opened : XX/XX/year> Status : Collection This tradeline is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include, but are not limited to : - FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] : Failure to maintain maximum possible accuracy. 
- FCRA XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ] : Failure to reinvestigate disputed information within XXXX days. 
- FCRA XXXX ( a ) ( XXXX ) ( A ) : Requirement to delete unverifiable information. 
- FCRA XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ( b ) ] : Furnishing data known to be inaccurate. 
- FDCPA XXXX and XXXX [ XXXX XXXX. XXXX, XXXX ] : Misrepresentation and failure to validate alleged debts before reporting. 

The reporting on this account is unverifiable, incomplete, and possibly re-aged in violation of FCRA XXXX ( a ) [ XXXX U.S.C. XXXX ]. 
If you can not verify this account with certified documentation from the original creditor bearing my signature, it must be permanently deleted from all credit files under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Please provide me with : XXXX. The results of your reinvestigation. 
XXXX. The name, address, and phone number of each furnisher you contacted. 
XXXX. Copies of any documentation used to verify the information. 

If you continue to report unverifiable or inaccurate information, this will constitute willful noncompliance under FCRA XXXX [ XXXX U.S.C. XXXX ], and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Since my last complaint Cash app closed my account on XX/XX/14 for violating the terms of service said I was gambling. How would they know for sure if I was gambling? No warning or anything. Didn't ask me if I was gambling just closed my account. I think it may have been related to my complaint. They dont want to pay me the {$53.00} that was taken from me. I appealed them closing the account which said I would be asked some questions. I was NOT asked those questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

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 XXXX5 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this statement to dispute several unauthorized or inaccurately reported credit inquiries that have appeared on my credit report. These inquiries were not initiated, authorized, or consented to by me and therefore may represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) ( 2 ), 607 ( b ), and 611 ( a ), which protect consumers from the reporting of information without a permissible purpose and ensure maximum possible accuracy in consumer files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report to an entity with a legitimate business need, such as a credit transaction initiated by the consumer. I did not authorize or initiate transactions with the above entities during the dates listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 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: OH

Complaint narrative:
On or about XX/XX/year>, I submitted a formal dispute requesting verification and validation of a XXXX collection account being reported on my credit file. I requested documentation proving I authorized the account, including a signed contract, billing statements, itemized charges, and proof that I received service. The company did not provide any documentation or validation as required by the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i and 1692g ).

Instead of resolving the issue, the company reinserted or continued reporting the negative account with all three credit bureaus without providing me with a written notice of reinsertion within XXXX business days, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). This reinsertion or continued reporting was done without proper validation or permissible purpose. 

This negative item has caused substantial harm to my credit profile, resulting in a lower credit score and denials for credit and financing. The company has failed to comply with their legal obligations to properly investigate my dispute, provide verification, or cease reporting unverifiable information. 

I am requesting that this account be immediately removed from all consumer reporting agencies for failure to validate the alleged debt and for unlawfully re-reporting the item without proper notice, as required by federal law.

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