vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: CA

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 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. 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 XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX 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 2025-06-19 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: CT

Complaint narrative:
I'm reaching out regarding an account currently appearing on my credit report that is completely unfamiliar to me. I have no knowledge of this account, Ive never opened it, and I have never authorized anyone else to open it on my behalf. In short : this account does not belong to meand it absolutely should not be on my credit file.

After carefully reviewing my report, its clear that this is a case of mixed file datawhere someone elses account has been incorrectly linked to my personal information. Whether this error occurred due to a similar name, a social security number mix-up, or some other database mistake, it needs to be corrected immediately. I am not liable for debts or accounts that were never mine to begin with, and I should not be forced to deal with the consequences of reporting errors that violate the standards of accuracy under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: VA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CO

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate and misleading late payment notations on my credit file, which I believe are either unverifiable, outdated, or materially incorrect. Specifically, Equifax is showing a late payment for XXXX with account number ending in XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, and for XXXX  with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

The XXXXXXXX  entry is especially concerning , as it is reporting a delinquency dated XX/XX/XXXX with a past due amount of {$0.00}. This is contradictory and deceptive. If an account is listed as past due, there must be an actual outstanding balance or obligation. If there is no past due amount, there is no basis for labeling the account as delinquent. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the information they report. The mere appearance of a late payment, even with a XXXXXXXX past due balance, negatively impacts my credit profile and sends an incorrect message to lenders and underwriters. 

Regarding the XXXX account, Equifax is reporting that it was both paid with a XXXX balance and marked as past due as of XX/XX/XXXX. This account is over a decade old, paid off, and should not be carrying any derogatory status if there is no active delinquency. Reporting it as both paid and past due is inherently contradictory and misleading. Any late payment reported from that long ago must be substantiated with valid documentation from the original creditor, including the exact date and terms of delinquency, especially since the account is closed and paid off. Equifax has an obligation to confirm that the information is not only accurate but also legally permissible to report under the FCRAs rules regarding obsolete data ( 15 U.S.C. 1681c ).

These inaccuracies have caused direct harm to my creditworthiness, potentially affecting credit decisions, loan eligibility, and interest rates. It is unacceptable for Equifax to continue reporting misleading or unsupported derogatory marks, especially when they are tied to resolved or outdated accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XX/XX/XXXX Contents of Complaint : 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 a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXXXXX under the account number XXXX, a auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX 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 2025-06-19 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: Avant Holding Company, Inc.
State: CO

Complaint narrative:
Re : CFPB Complaint ID No. XXXX Disputed Credit Reporting To Whom It May Concern : This is a formal rebuttal regarding your recent response to my Consumer Financial Protection Bureau complaint regarding the accuracy of the information being reported on my credit file.

While your letter provides a lengthy explanation of the account history, it does not satisfy your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), nor does it provide competent evidence as required by 1681s-2 ( b ) that the balance reported and status are being correctly reported particularly where the reported balance exceeds the contractual credit limit. 

It is well established under Regulation V and FCRA case law ( see XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) ) that a furnisher of credit data must conduct a reasonable investigation and verify that any reported data is accurate and complete and that this obligation can not be met by simply stating that the data in their system " matches what was reported. '' Competent evidence includes original documents or audit trails of charges and fees that would support the validity of a balance exceeding the contractual credit limit. 

At no point have you provided sufficient documentation showing that the reported {$360.00} balance is legally owed and authorized under the credit agreement particularly where fees and interest charged beyond the {$300.00} credit limit contributed to an inflated and misleading balance.

Further, the FCRA prohibits the reporting of information where the furnisher has reasonable cause to believe the information is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). The balance exceeding the contract limit, along with ongoing late fees on an over-limit balance, constitutes inaccurate and misleading reporting.

Therefore : You have failed to provide competent proof of accuracy under FCRA 1681i ( a ).

You are continuing to report a balance in violation of the contract credit limit agreed upon.

The disputed data must either be corrected or deleted from all consumer reporting agencies, per FCRA 1681i ( a ) ( 5 ).

If you continue to report this unverifiable and inflated balance to any credit reporting agency, I will pursue all remedies available under law, including : Filing a further complaint with the CFPB and FTC Filing a complaint with my State Attorney Generals Office Seeking damages under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA You are hereby requested to provide written confirmation within 15 days that this inaccurate reporting has been corrected or deleted in compliance with the FCRA. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: KS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I submitted a completed loan assumption package to Bridgecrest, which included all required documentation. During the review period, my driver 's license expired XX/XX/XXXX I obtained a temporary state-issued ID from the XXXX XXXX XXXX and submitted it to Bridgecrest on XX/XX/XXXX, as I waited for my permanent Real ID. 

Despite providing what was asked in a timely manner, my loan assumption was denied, and the vehicle is now in repossession status. I have contacted Bridgecrest and requested a reinstatement or an opportunity to redeem the loan. I updated all documents and re emailed them. I am willing and able to resolve the matter but they have refused to assist or consider the submission or completed the assumption prior to the drivers license expired. 

Bridgecrest has not been transparent in the process and did not notify me in a reasonable time that the assumption would be denied due to the expired ID. I feel I am being penalized despite making every good faith effort to comply and follow through. I respectfully request that this case be reviewed, and I be given the chance to reinstate the vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, regarding Experian and XXXX  's failure to properly investigate and remove fraudulent information from my credit report, despite my submission of documented proof that I am a victim of identity theft. 

I have submitted a police report, an identity theft affidavit, and supporting documentation clearly showing that several accounts on my credit reports were fraudulently opened without my knowledge or consent. Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation within XXXX XXXX of receiving a consumer dispute. Further, Section 605B ( 15 U.S.C. 1681c-2 ) requires them to block identity theft-related information from appearing on a consumer 's report when proper documentation is provided. Despite fulfilling these requirements, Experian and XXXX  have failed to block or remove the fraudulent accounts. 

I am formally requesting that Experian and XXXX  disclose how and with whom they verified the disputed accounts, including the name of the furnisher ( XXXX ), the documents used to verify the information, and a copy of the verification or reinvestigation results, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). To date, neither credit bureau has provided sufficient proof that any reasonable verification was conducted or shared how the accounts were validated. 

This ongoing refusal to correct inaccurate and fraudulent information has severely damaged my XXXX XXXX, resulting in financial harm including credit denials, higher interest rates, and emotional distress. These actions ( or inactions ) reflect noncompliance with the FCRA and have caused undue hardship both financially and emotionally. I sent copies of the police report, my id, ss card, and a bill to no avail. They totally disregarded this information as if they didnt care. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Experian and XXXX  to fulfill their legal obligations under the FCRA, immediately block the fraudulent information, and provide full transparency regarding their verification process. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, regarding Experian and XXXX  's failure to properly investigate and remove fraudulent information from my credit report, despite my submission of documented proof that I am a victim of identity theft. 

I have submitted a police report, an identity theft affidavit, and supporting documentation clearly showing that several accounts on my credit reports were fraudulently opened without my knowledge or consent. Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation within XXXX XXXX of receiving a consumer dispute. Further, Section 605B ( 15 U.S.C. 1681c-2 ) requires them to block identity theft-related information from appearing on a consumer 's report when proper documentation is provided. Despite fulfilling these requirements, Experian and XXXX  have failed to block or remove the fraudulent accounts. 

I am formally requesting that Experian and XXXX  disclose how and with whom they verified the disputed accounts, including the name of the furnisher ( XXXX ), the documents used to verify the information, and a copy of the verification or reinvestigation results, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). To date, neither credit bureau has provided sufficient proof that any reasonable verification was conducted or shared how the accounts were validated. 

This ongoing refusal to correct inaccurate and fraudulent information has severely damaged my XXXX XXXX, resulting in financial harm including credit denials, higher interest rates, and emotional distress. These actions ( or inactions ) reflect noncompliance with the FCRA and have caused undue hardship both financially and emotionally. I sent copies of the police report, my id, ss card, and a bill to no avail. They totally disregarded this information as if they didnt care. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Experian and XXXX  to fulfill their legal obligations under the FCRA, immediately block the fraudulent information, and provide full transparency regarding their verification process. 

Thank you for your time and assistance.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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