vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, acting as the authorized agent for XXXX XXXX, under a valid XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. This complaint concerns Experian Information Solutions XXXX Inc.XXXX willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, 1681e ( b ), and 1681s-2, through the reporting and continued publication of false and misleading credit information, and the failure to conduct a proper reinvestigation following a formal written dispute. 

On XX/XX/year>, a detailed dispute letter was sent to Experian identifying several accounts containing inaccurate late-payment notations, including an XXXX, XXXX account ( No. XXXX ) falsely reported as XXXX  days past due despite being paid in full and closed with a {$0.00} balance, and XXXX XXXX XXXX XXXX XXXX accounts ( Nos. XXXX and XXXX ) which were incorrectly reported with delinquencies even after being resolved and closed in good standing. Despite proper notice, documentation, and verification being provided, Experian has failed to delete or correct these false entries. This inaction directly violates the FCRAs requirements to conduct a reasonable reinvestigation under 1681i ( a ), to ensure maximum possible accuracy under 1681e ( b ), and to cease the reporting of unverified or inaccurate data under 1681s-2 ( b ). 

XXXX continued reporting of these false late payments has caused significant and ongoing damage to XXXX XXXX credit standing, resulting in the lowering of his credit scores, denial of credit opportunities, and emotional and financial distress. This behavior reflects reckless disregard and systemic noncompliance with federal consumer protection laws. The consumer, through his authorized representative, demands that the Consumer Financial Protection Bureau ( CFPB ) immediately investigate Experians actions, compel the company to delete or correct all inaccurate entries, and ensure that all affected accounts are updated to reflect the accurate status of Paid/Closed Never Late or Paid as Agreed. Furthermore, we request that the CFPB impose appropriate civil penalties on Experian for its willful and negligent violations and mandate a review of its internal reinvestigation and compliance procedures to prevent further consumer harm.

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 2025-11-12 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: AR

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
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 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

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 2025-11-12 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: NC

Complaint narrative:
My personal contact information is incorrect on my XXXX XXXX, XXXX, and Equifax credit report. I have sent letters to all parties to update my information and it is still reporting old information. 

Wrong information- XXXX XXXX XXXX XXXXXXXX should not be on my bureau- Needs to be removed from all Bureaus Wrong information- XXXXXXXX XXXX XXXXXX/XX/year> -should not be on my bureau- Needs to be removed from all Bureaus Correct information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I am writing to dispute inaccurate information appearing on my credit report. 
The accounts listed below contains significant inconsistencies across the bureaus, which constitutes a clear violation of my rights under the FCRA. I have evidence ( a screenshot of my credit monitoring service, attached ) proving that the reporting on this single account is inconsistent across the three major credit reporting agencies. The FCRA mandates that all furnished information must be accurate and verifiable. Inconsistent Payment Status : Experian and Equifax currently report a " Late 90 Days '' payment status for this account. 
There are notable variations in the " Last Reported, '' " Date Last Active, '' and " Date of Last Payment '' fields across the three bureaus. These discrepancies clearly demonstrate that the information you are maintaining is not entirely accurate or verifiable, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If the furnisher can not verify the consistency and accuracy of all reported data points for this account, I demand that you promptly delete this unverifiable and inaccurate trade line from my credit report entirely. Please provide me with the results of your investigation, along with all supporting documentation used by the furnisher to verify the accuracy of the reporting.

Thank you for your prompt attention to this serious matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
The XXXX XXXX XXXX loan account ending in XXXX has been reported as Charged Off without verification that proper legal and procedural requirements were followed prior to the charge-off designation. This tradeline reflects multiple inaccuracies and omissions, including : No Date of Last Activity provided.

Original Creditor Name omitted.

No indication that written notice or right-to-cure opportunity was provided to the consumer. 

Unclear verification that XXXX XXXX adhered to XXXX XXXX XXXX and FDIC XXXX XXXX for lawful charge-offs. 

Inconsistent reporting dates suggesting potential re-aging of delinquency, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) requirements for completeness and accuracy.

I have formally disputed this account with all three credit bureaus, requesting deletion or verification within 15 days as permitted under FCRA 611 ( a ). Continued reporting without verified documentation constitutes willful noncompliance under FCRA 616617 and subjects the furnishers and bureaus to civil liability. 

I am requesting that the CFPB conduct an investigation into XXXX XXXX  reporting practices and require all parties to provide evidence of compliance with federal law. If no such proof exists, this tradeline should be deleted in its entirety from all consumer reporting agencies. 

Requested Action : XXXX investigation and deletion of unverifiable or improperly reported charge-off account by XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Gotcha. Heres a draft : I purchased a XXXX XXXX XXXXXXXX from XXXX on XXXXXXXX XXXX XXXX XXXX financed through Bridgecrest XXXX XXXX XXXX point XXXX percent XXXX. In thirteen months, Ive paid XXXX XXXX in interest but only XXXX XXXX toward principal, plus over XXXX XXXX XXXX XXXX in upfront fees. The car had a check engine light from day one and remains unreliable. I want a full refund of fees and early payoff without penalty. Copy that into the form, add your details, and submit. Anything else?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am submitting this complaint to formally dispute multiple inaccuracies on my credit reports that have misrepresented my payment history, late activity, and account information. Despite my efforts to maintain accurate and timely payments, these accounts are being reported incorrectly across the credit bureaus. I am requesting that each account be corrected to reflect the accurate payment history, in accordance with my rights under federal law, including FCRA 611, FCRA 623 ( a ) ( 2 ), FCRA 623 ( b ), FCRA 1666, and FCBA 1666a. 
XXXXXXXX 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am submitting this letter to a XXXX follow up on my previous dispute regarding several accounts that continue to appear on my credit report, despite being inaccurate, unverifiable, and unlawfully reported. I am formally requesting the permanent removal of these itemsnot correctionin accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these accounts is causing ongoing harm to my creditworthiness and violates federal law requiring fair and accurate reporting.XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} * * This account was reported as late despite being closed and paid. This information is inaccurate and can not be verified under : FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Additionally, this reporting may involve identity-related or fraudulent activity under 605B / 15 U.S.C. 1681c-2. I request the permanent removal of this account from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} * * Listed as charged off, yet no valid documentation verifies the legitimacy of this report. Under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), unverifiable or incomplete information must be deleted. Section 605B / 15 U.S.C. 1681c-2 further protects against fraudulent or erroneous reporting. I demand the deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} * * This account is inaccurately listed as charged off. The absence of a 1099-C form for a debt exceeding {$600.00} raises concerns regarding the accuracy and legal validity of the reported balance. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], the bureau must ensure maximum possible accuracy. As this account can not be verified, I am requesting its full removal. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} * and XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} * * These collection accounts are being reported without sufficient validation from the debt collectors, violating : FDCPA 809 15 U.S.C. 1692g FDCPA 807 15 U.S.C. 1692e Their continued presence also violates 605B / 15 U.S.C. 1681c-2 due to unverifiable and misleading reporting

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I purchased this car for about XXXX, I have paid XXXX and I still owe XXXXXXXX XXXX lol yes thats correct. XXXX I have already paid on a XXXXXXXX XXXX loan and I still owe XXXX $? This loan never ends. All my payments just go to interest. Its just stealing from me. Capatial one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting once again to formally dispute the continued reporting of inaccurate late payment data on several open accounts. This constitutes my fourth request for Equifax, Experian, and TransUnion to conduct a thorough and fair reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( a ). Despite my previous disputes and the submission of supporting evidence, these accounts remain reported inaccurately, indicating that prior investigations were not conducted with the diligence and care required by law. 
XXXX XXXX XXXX XXXX  Balance Owed : {$31000.00} DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$82000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Payment History show that I have missed or had late payments. Please remove any late payment 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 explanation
Consumer complaint received 2025-11-12 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:
I am submitting this complaint and formal dispute as a concerned consumer to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and to demand the immediate deletion or correction of inaccurate, unverifiable, and potentially fraudulent information being reported on my credit profile.

Under FCRA 602 ( a ), every consumer has the right to fair and equitable treatment regarding the collection, dissemination, and use of credit information. Furthermore, FCRA 611 ( a ) grants me the right to dispute any information on my credit report that can not be verified for accuracy or completeness. 

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 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

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