vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am submitting this complaint because a debt collector & the credit bureau is engaging in unlawful credit reporting practices by repeatedly reporting a charge-off every month, which is inaccurate, misleading, and violates federal consumer protection laws. 

A debt collector is updating my credit report each month with a new charge-off entry for the same account. This is factually incorrect, as a charge-off can only legally occur oncenot every month and not repeatedly. 

The continuous monthly charge-off reporting artificially harms my credit score, creates the false appearance of new negative activity, and constitutes unlawful credit reporting behavior.

A formal dispute was submitted to all 3 credit bureaus who verified the information as accurate when the information was not, thus failing to thoroughly investigate and maintain accurate reporting on my credit report. 

In addition the debt is not mine and no debt validation letter or the ability to dispute with the debt collector was received. 

Acct # XXXX-credit collection serv

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: OR

Complaint narrative:
So out of nowhere US bank is coming after me for overdraft fees back in XXXX I have not had a US bank account in XXXX the people that is trying to collect from me said it can go back as of 10years even then XXXX I didn't have a US bank account the only time I had a US bank account was back in XXXXthat 14 years ago I filed bankruptcy in XX/XX/XXXX so what I owed to people should include US Bank which I never had overdraft issue with them back then my ID was an birth certificate was stolen in XXXX ... I put it on everything I don't have this outstanding US bank account for overdraft fees... I'm homeless I have a job that is what is keeping going so if this collector takes any money from me will hurt me in the end ... the other time I had a US bank account was XXXX .. even then I didn't owe them anything .. I never had overdraft problems... I just used the account to cash my check back then... so the reference number is XXXX the number the collection is XXXX ) XXXX all my stuff was Red flag back in XXXX when my car was broken into...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-14 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding the following Portfolio Recovery collection account that is appearing on my credit report : PORTFOLIO RC Account # XXXXXXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/2024 Status : Collection I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative item is harming my credit report without any valid basis, and I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My newly assigned Social Security Number was issued to me back on XX/XX/XXXX, and I called all my accounts to provide my new Social Security number so they could transfer my credit history from my ITIN to my new Social Security number. 

On XX/XX/XXXX, I pulled my credit report, and it shows that I don't have a credit score because no credit history has been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This is a follow-up complaint because the previous company response did not resolve the issues or provide proper verification of the account. 

In XX/XX/XXXX, I entered a XXXX XXXX XXXX for a vehicle financed through Bridgecrest. The account became past due in XXXX. On XX/XX/XXXX, Bridgecrest states the vehicle was assigned for recovery at 90 days past due. However, the company also admits the vehicle has never been recovered or sold, meaning no Notice of Sale or Deficiency Calculation exists.

Bridgecrest claims a Right to Cure letter was sent, but they provided no proof of mailing, tracking, or delivery, which is required under state law and UCC 9-611 and 9-614. A copy of a letter is not proof that it was ever sent or received. I never received any Notice of Default, Right to Cure, Notice of Repossession, or Notice of Sale. 

On XX/XX/XXXX, the account was automatically charged off at 105 days past due. Despite having no repossession, no sale, and no verified deficiency balance, Bridgecrest continues reporting a derogatory tradeline. 

In response to my prior CFPB complaint, Bridgecrest only supplied copies of documents but did not provide legally required proof that any notices were properly mailed or delivered. They also did not provide verification of the balance or compliance with repossession notice requirements. 

Because the vehicle was never recovered, no sale occurred, and no notices were proven sent, the reported information is incomplete, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I was looking to refinance my mortgage and originally went with my current lender. However, after shopping around, I reached out to Better Mortgage and was happy to receive a better quote. I let Better know from the beginning that I had already recently completed an appraisal on XX/XX/XXXX and was reassured that as it was done so recently ( less than two weeks at the time ) the appraisal could be transferred and I would not have to pay an additional ~ {$700.00} to get a new one done. 

I was also told that due to my high credit score, this refinance would go very smoothly and more importantly, that it would be processed quickly. However, 3 weeks passed and I still had no confirmation of closing date. After following up on XX/XX/XXXX, I was told that my original lender was not transferring the appraisal. However, after reaching out to the original lender, I was notified that the appraisal had been transferred almost two weeks prior on XX/XX/XXXX. 

I reached out to Better again and was told that this was an error on their part and they would look into it. All of the sudden, on I was told that the appraisal would not be able to be transferred as originally confirmed. The reason? They said that it was not scoring high enough through their scoring underwriting system. I can't help but wonder if this is because the rate that was locked was very low and has since increased. 

The agent already mentioned that the " margins were low '' for this loan. Now they are saying that I not only need to get a new appraisal, but if the amount appraises any lower than the first appraisal that was done, they need to " look at pricing at the new loan to value ''. 

It now appears that I will not be getting the rate that was promised and locked in. This seems like a bait and switch to me and very suspicious considering the abrupt lapse in communication, the missing appraisal transfer, a recent rise in rates and the admission of their lower margin on this agreement. 

We went this route because of consistent reassurances and a promise of a simple process. I would caution anyone looking to refinance to be very careful when dealing with Better Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies in my credit report as provided by the three major credit bureaus. I am a consumer working to correct my credit, and I believe the following accounts are being reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account # XXXX, Opened : XX/XX/year>, Balance : {$530.00} This account is inaccurately reported and should be corrected. 

Inquiries : XXXX XXXX, Date : XX/XX/year> This inquiry is incorrectly listed, and I request it be removed from my credit report. 

Late Payments : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXXXXXX XXXX Account # XXXX These late payments are incorrectly reported and I request that they be either verified or removed from my credit 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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a non-promotional purchase on my Lowes Synchrony credit card for {$200.00}. 
On XX/XX/XXXX, I paid {$200.00} specifically to pay that charge off before the statement closed so no interest would be charged. 

Synchrony misapplied my XX/XX/XXXX payment to a promotional balance, not to the XX/XX/XXXX non-promotional purchase ( which is the higher-APR balance ). As a result, I was improperly charged interest on XX/XX/XXXX ( {$2.00} ) and XX/XX/XXXX ( {$2.00} ). 

My card agreement states : Any payment you make in excess of the required total minimum payment will be applied to higher APR balances before lower APR balances. 

The XX/XX/XXXX purchase was the higher-APR balance, so the XX/XX/XXXX payment should have been applied there, even if the purchase had not yet been billed. The billing first rule quoted by Synchrony representatives does not appear anywhere in my agreement. 

When I contacted Synchrony : Manager XXXX XXXX disconnected from the live chat before resolving the issue and only provided a generic link to the terms. 

I then spoke with manager XXXX ( Ref # XXXX ), who refused to correct the posting error and insisted I must pay the interest. 

She also quoted a rule that is not in my agreement, stating the purchase had to be billed first, and blamed Lowes stores for not explaining payment allocation.

Synchrony offered a courtesy adjustment of one interest charge, but refused to correct the underlying error or remove both interest charges.

This is not a promotional issue ; it is a payment allocation error that caused interest I should not have been charged. 

I am requesting : Reallocation of my XX/XX/XXXX payment to the XX/XX/XXXX non-promotional purchase Removal of all interest caused by the incorrect posting Written confirmation once the correction is completed I am attaching : A screenshot showing the XX/XX/XXXX purchase, the XX/XX/XXXX payment, and the interest charges A copy of the Payment Allocation clause from my card agreement A transcript of my chats with Synchrony, showing multiple failed attempts to resolve this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am writing to dispute the following negative accounts on my credit report. These accounts are inaccurately reported and I request that they be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$1300.00} XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$2500.00} XXXX XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$2000.00} XXXX XXXX - Account No XXXX XXXX - Date Open : XX/XX/XXXX - Balance : {$470.00} XXXX XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX  - Account No XXXX XXXX - Date Open : XX/XX/XXXX - Balance : {$1000.00} XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$280.00} XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$620.00} XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} XXXX  XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I received a notice from Exeter Finance LLC/XXXX claiming that I owe a debt. However, the communication I received was lacking in detail and failed to provide clear documentation of the debts validity. It did not include essential information, such as the original creditors name, the amount owed, a breakdown of fees, or any supporting documents to verify the charges. Without proper documentation, I can not confirm that this debt is valid or that I am legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-14 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: NY

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5800.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief