vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Date : XX/XX/XXXXXXXX  To : XXXX XXXX, XXXX XXXX Bridgecrest Acceptance Corporation Dear XXXX XXXX, Thank you for your response to my CFPB complaint. However, I must respectfully and firmly reject the conclusions provided by Bridgecrest regarding the continued reporting of my account. 

The information currently being reported to the credit bureaus is inaccurate, outdated, and in violation of the Fair Credit Reporting Act ( FCRA ). The facts of the account, as stated in your own response, clearly support my position and are outlined below. 

Factual Timeline As Stated by Bridgecrest : I entered the Retail Installment Contract on XX/XX/XXXX. 

The vehicle was repossessed on XX/XX/XXXX, at 124 days past due. 

This means the first delinquency occurred in or around XX/XX/XXXX. 

The account was paid in full on XX/XX/XXXX. 

Despite this, the account continued to be reported to the credit bureaus in XXXX  and beyond. 

Why This Reporting Is Inaccurate : Under the FCRA ( 15 U.S.C. 1681c ), negative information such as a charge-off or repossession must be removed 7 years from the original delinquency datenot the charge-off or payoff date. 

If the account was 124 days past due as of XX/XX/XXXX, then the first delinquency occurred around XX/XX/XXXX. 

Therefore, the Date of First Delinquency ( DOFD ) is XX/XX/XXXXXXXX  making the 7-year reporting expiration XXXX XXXXnot XXXX. 

Furthermore, reporting new activity or updates on this tradeline in XXXX, after the account was paid in XXXX, is both inaccurate and raises concerns of potential re-agingan unlawful practice under the FCRA. 

My Position : This account should no longer be updated or reported to any credit reporting agency. Continued updates or reporting beyond the allowable time frame constitute a violation of the FCRA and create a misleading credit history. TransUnion has already removed this tradeline based on the evidence provided, and I expect the same to be done across all bureaus. 

I am requesting immediate removal of this account from all credit reporting agencies and a correction of your internal records. 

Next Steps : If this issue is not resolved within 15 calendar days, I will proceed with the following actions : Filing a formal legal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Consulting legal counsel regarding potential FCRA violations.

Submitting a complete audit of this case to XXXX and XXXX  along with supporting documentation. 

Your continued failure to recognize the actual Date of First Delinquency, and your reporting after the account was paid off, are both unacceptable and in clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is inaccurately reporting my XXXX Account XXXX as paid/ closed but still showing 30-12- day late payments. I disputed and requested correcton, reinvestigation and method of verification but Experian failed to comply. under the FCRA, unverifiable information must be DELETED and I request that the account be removed, immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Unlawful Collection Reporting LVNV Funding Account # : XXXX | Amount : {$770.00} NOTICE OF DEMAND FOR IMMEDIATE CEASE & DELETION This is a formal demand that you cease all collection activity and delete any reporting of the above account from all consumer reporting agencies due to violations of federal law : 12 CFR 1006.34 ( c ) ( Reg F ) requires complete, accurate, itemized validation ( current creditor, breakdown of amount, date ( s ) of service, and documents sufficient for me to determine the debts validity ). A bill or statement is not legal validation. Provide the original signed contract/authorization, full itemization, and chain of assignment ( including purchase agreements ).

12 CFR 1005.6 ( c ) ( EFTA ) limits consumer liability for unauthorized/erroneous transactions. Until you provide itemized proof that these charges were authorized, lawful, and properly posted, continued collection or reporting is unlawful.

15 U.S.C. 1681e ( b ) ( FCRA ) requires maximum possible accuracy. Reporting unverifiable, incomplete, or inflated data violates this standard.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting information they know or should know is inaccurate. If you can not substantiate this debt as required, you must immediately retract and request deletion of any tradeline furnished.

DEMANDS Provide full validation as described above within 15 days of receipt, or delete any reporting you have furnished and cease all collection efforts.

If you verified this account with a bureau, disclose who verified it, how, and with what documents.

All future contact must be in writing only.

Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and I will pursue civil remedies for statutory damages for violations of the FCRA and FDCPA.

This is not a refusal to pay ; it is a notice that your claim is disputed. Until you provide lawful validation, you are barred from further collection or reporting. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
te second XXXX  account on my report is incorrectly stating i opened it in XXXX of XXXX  when i opened account was in XXXX of XXXX  can you guy please correct this thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing this complaint because XXXX XXXX is inaccurately furnishing data to Experian regarding a credit card account that was charged off as of XX/XX/XXXX, but continues to show monthly CO ( Charge-Off ) entries into XXXX and XXXX. 
This is a textbook example of re-aging a charged-off account, which misleads creditors and damages my score by making the account appear as newly delinquent each month. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) and industry-standard XXXX XXXX reporting guidelines , once a charge-off occurs, furnishers must not continue reporting new derogatory status codes as if the delinquency is ongoing. 

Additionally : - The balance was updated in XX/XX/XXXX, despite the account being charged off in XXXX - The on record until date is listed as XX/XX/XXXX, which appears to be based on the charge-off date rather than the date of first delinquency, further prolonging the accounts negative impact on my credit I disputed this issue directly with Experian, and they have so far failed to correct or remove the inaccurate tradeline. The continued reporting of " CO '' codes beyond XX/XX/XXXX is materially misleading, violates FCRA, and inflates the derogatory impact of the tradeline on my credit profile. I have attached two screenshots from my Experian credit file that visually show : - The ongoing CO reporting past the charge-off date - The incorrect on record until timeline Requested Resolution : I am requesting the deletion of this XXXX  XXXX tradeline in full due to materially misleading reporting, or at minimum, the removal of all post-charge-off CO codes, and correction of the " on record until '' date to reflect the actual date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX & XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. 
These negligent actions have caused me XXXX XXXX  wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation