vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Self Financial Inc.
State: NC

Complaint narrative:
Violations of accounts on my report that inaccurate and want them deleted immediately code15 usc 1692 c ( c ) I would like to be compensated up to {$1000.00} for all false accounts on my credit report. Validate accounts for signatures and 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
I deposited a check for {$4500.00} on XXXX  on XXXX. My account was overdrawn. I called and they said theyre holding on my check till the XXXX to deposit it because of a 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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$4100.00}

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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX  XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX XXXXXXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I am in the process of buying a home. During this process, I found out through my mortgage XXXX that XXXX years ago when I purchased my car from XXXX who did the loan through Bridgecrest that they put in my social security number incorrectly. This incorrect social security number took over my whole financial identity. This caused my house to be incorrectly flagged as fraud because I wasn't associate with my own social security number. I called Bridgecrest numerous times and they gave me a very hard time, were very rude, and gave me the runaround. This led to me reporting them to the BBB for their business practices. After this happened, they were more cooperative and reached out to me, but still just as unpleasant while doing so. I was sent a letterhead that in no way proved that my issue was resolved, only that I have had perfect loan history with them. 

I left the issue alone due to spending XXXX hours on the phone with the various credit bureaus and spending a little over {$100.00} on sending letters expedited to fix this issue before it caused me to lose my home. 

Yesterday XX/XX/XXXX, I was contacted by my mortgage XXXX to let me know that he pulled my credit once again and it showed that Bridgecrest falsely sent me to collections on XX/XX/XXXX. It falsely states that I settled for less than what was owed. I never agreed to this. As previously stated, my payments have never been late or any less than what is owed. Autopayments came out on XX/XX/XXXX as well as XX/XX/XXXX after the supposed collections were sent. I called today, XX/XX/XXXX and Bridgecrest was very dismissive, would not assist, and pushed the complaint to the side with no intentions of looking into it whatsoever. They did wind up sending me a letter stating that the account is in perfect health and good standing, but will still not own up to the fact that they sent me to collections. 

I strongly feel as though this was done maliciously due to the complaint I placed with the BBB. This is truly horrendous and suspicious business practices. No one should purchase a car through XXXX or Bridgecrest, unless you want your perfect credit history flushed down the drain. 

I have had hours of sleeplessness and have been beside myself trying to get any resolution for this issue. I am XXXX XXXX and it spikes due to stress. Needless to say, this has greatly impacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am begging you. Please help me. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-07-08 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
Experian has been racially charged in the derogatory reporting of my credit. the company reporting are in efforts to sabotage my credit score, With statements that are misleading and false. My credit score has been fluxed on a down spiral in recent months stating my payment history has decreased or my accounts XXXXdays late has increased all the while all my accounts besides car loan are included in recent filing bankruptcy. my car loan is in reaffirmation. So I have no other reason to understand why every week Experian is reporting on my credit and decreasing my credit score as if I have any credit thats current. I would like to request the FTC to please look into my accusations so I may receive a proper investigation with a second set of eyes. I believe unethical tactics and or retaliation from past accusations from this Company may be at play stemming from when the company refused to remove a debt even after the debtor had wrote a letter stating that the information was not accurate they still continued to report it to my credit after requesting several dispute investigations which Experian assured were completed and accurate after submitting proof to them it wasnt they still refused to remove the debt and continued to report it to my credit. I would like to request the FTC to please look into my accusations. Experian has been making false credit reporting and statements on my credit for quite some time and even after being proven wrong they will refuse 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 explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am filing this complaint regarding an inaccurate and potentially unlawful tradeline being reported by XXXX XXXX XXXX on my credit report. 

XXXX XXXX is reporting a collection account opened on XX/XX/XXXX, with a balance of {$1400.00}. However, this account is related to an original account with XXXX XXXX XXXX, which was settled in XX/XX/XXXX, with a {$0.00} balance and {$4100.00} written off. This original account is properly reflected on my credit report with the status : Paid in settlement. 

The XXXX XXXX account is a duplicate and re-aged version of the same debt, which is misleading and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), debt collectors may not restart the credit reporting period by creating a new date opened that does not reflect the original delinquency. The debt was originated in XXXX, not XXXX. 

I already requested verification from XXXX XXXX XXXX. In response, they only provided me with a signed wet signature from XXXX dated XXXX which confirms my point that this debt is not new and should not be reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am filing this complaint regarding an inaccurate and potentially unlawful tradeline being reported by XXXX XXXX XXXX on my credit report. 

XXXX XXXX is reporting a collection account opened on XX/XX/XXXX, with a balance of {$1400.00}. However, this account is related to an original account with XXXX XXXX XXXX, which was settled in XX/XX/XXXX, with a {$0.00} balance and {$4100.00} written off. This original account is properly reflected on my credit report with the status : Paid in settlement. 

The XXXX XXXX account is a duplicate and re-aged version of the same debt, which is misleading and inaccurate. According to the Fair Credit Reporting Act ( FCRA ), debt collectors may not restart the credit reporting period by creating a new date opened that does not reflect the original delinquency. The debt was originated in XXXX, not XXXX. 

I already requested verification from XXXX XXXX XXXX. In response, they only provided me with a signed wet signature from XXXX dated XXXX which confirms my point that this debt is not new and should not be reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ 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 non-monetary relief
Consumer complaint received 2025-07-08 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: IN

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX  - Account Number XXXX XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXXXXXX XXXX XXXXXXXX - Account Number XXXX XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I spoke with a supervisor, XXXX, about the concerns of the account reporting on my credit report. The supervisor advised that the account would be deleted, and as of today, it has not been removed per our previous conversation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: VA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
> I previously disputed a {$1500.00} debt with this company, and it was removed from my credit reports. However, on XX/XX/2025, the company re-reported the same account without providing any new information, payment activity, or valid verification. 

My credit reports are frozen, and I have not authorized this debt to be added again. This appears to be an illegal re-aging of a time-barred debt, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I requested full validation of the debt, including a signed contract and proof of ownership, and received only generic billing statements. This does not meet the standards of proper verification under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this re-reporting and demand that the debt be permanently deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief