vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( XXXX ), XXXX  ( XXXX ), and XXXX ( XXXX ). These errors include inaccuracies related to charged off accounts, inquiries, positive accounts, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XXXX, Balance : {$730.00} Inquiries : XXXX, XXXX : XXXXXXXX XXXX, Date : XXXX XXXX XXXX, Date : XXXX Late Payments : XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX 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 2025-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: EAST WEST BANK
State: CA

Complaint narrative:
I have a current mortgage with eastwest bank. They refuse to give me monthly statements on my account. They are charging incorrect interest rates and refuse to provide any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 ] 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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : Mutual Management Services Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$2100.00} XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$11000.00} Late Payment Accounts : Extra Account Number : XXXXXXXX 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I was recently contacted regarding a debt allegedly owed to XXXXARIVO ACCEPTANCE. I do not have sufficient information to confirm that this debt is valid, the exact amount claimed, or that I am legally obligated to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-19 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: TX

Complaint narrative:
I am filing a complaint regarding Bridgecrest and the financing of my vehicle purchased through XXXX. The vehicle became unsafe and unmerchantable within XXXX weeks due to a safety defect where the car shuts off mid-turn and locks the steering and braking assist. Because the defect was present at the time of sale, the Retail Installment Sales Contract ( RISC ) was based on a materially defective transaction. 
This situation implicates several violations of XXXX law, including : XXXX Finance Code 348.501 Prohibited practices related to retail installment transactions XXXX Finance Code 348.001 et seq. Improper extension of credit tied to defective/unsafe collateral XXXX Finance Code 392.303 Unfair or unauthorized collection practices XXXX Finance Code 392.304 ( a ) ( 8 ) Misrepresentation in a credit transaction Bridgecrest continues to service the loan despite being formally notified of the dispute and the defect affecting the validity of the contract. I am requesting OCCC review Bridgecrests handling of this dispute in light of XXXX  Finance Code protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit report with the credit bureaus. These disputes pertain to inaccuracies and errors that need immediate correction. Below, I have outlined the details of each account, separated by bureau. 


Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$4900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$470.00} Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts : No positive accounts to dispute for TU at this time. 

Late Payments : XXXX XXXX  XXXX Account Number : XXXX XXXX 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 2025-11-19 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From JPMCB Card on XX/XX/2025. Response from creditor was vague and didn't address the actual reason for the application denial. I refuse to accept such vague response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent Accounts and related information on my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
I recently became aware of several unauthorized Accounts that were opened in my name without my knowledge or consent. These accounts are the result of a data breach and identity theft, and I have never had any business relationship or transactions with the entities in question. 
Under 15 U.S.C. 1681c-2 ( a ), I hereby request that XXXX block and remove from my credit report all information that I identify as the result of identity theft. The Accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this matter and confirm in writing that the fraudulent Accounts have been blocked and permanently removed from my credit file. If any additional information or documentation is needed, do not hesitate to contact me using the information provided above. 
Thank you for your prompt attention to this serious matter. 
Sincerely, 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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive 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 non-monetary relief
Consumer complaint received 2025-11-19 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Complaint Against : First Federal Credit Control XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} Statement of Complaint : I am filing this complaint because First Federal Credit Control is reporting a medical collection that is inaccurate, unverifiable, and illegal to report. I disputed this account, submitted my state ID, Social Security card, wet signature, and an FTC identity theft report yet this account remains on my XXXX file with no proof provided. 

VIOLATIONS : 1. Identity Theft Block 15 U.S.C. 1681c-2 I filed an FTC identity theft report listing this account as unauthorized.

Under this section, the furnisher must block and delete the account within 4 business days.

They failed to do so.

2. Debt Validation Failure 15 U.S.C. 1692g ( FDCPA ) They did not provide ANY legally required validation : No itemized bill No HIPAA authorization No proof I ever received services No assignment agreement No documentation proving they own this debt They continued reporting without validation, which is illegal.

3. Continued Collection After Dispute 15 U.S.C. 1692c ( c ) After being notified the debt is disputed and may be the result of identity theft, they continued furnishing data to XXXX 

This violates the FDCPA. 



XXXX. Medical Debt Reporting Ban CFPB/XXXX XXXX XXXX XXXX XXXX XXXX  Federal policy bans or severely restricts medical debt reporting because it is unreliable. 
This company ignored that policy and continued reporting. 



XXXX. Failure to Reinvestigate FCRA 1681i ( a ) ( 1 ) ( A ) I properly disputed and provided all ID documents.

They still failed to produce any investigation results or proof.

6. Maximum Possible Accuracy FCRA 1681e ( b ) Dates, balances, and status information do not match across CRAs. 
This is unreliable and noncompliant reporting. 



Requested Resolution : I request that the CFPB require First Federal Credit Control to : 1.Delete the medical collection account ( # ending in 01 ) from all credit reports 2.Provide lawful validation including : HIPAA authorization Itemized billing Assignment agreement Chain of title 3.Provide the full Method of Verification 4.Cease all collection activity Their failure to comply with FCRA and FDCPA standards is causing real harm .

If not corrected, I will pursue action under FCRA 1681n and 1681o

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
my XXXX sends the money same day every month. loan depot changed billing address with no notice so diny process payment in timely manner even though show it was received on time. i spent XXXX months trying iot correct, but they are still reporting i paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One closed my credit card account on XX/XX/XXXX ( see attached screenshot clearly stating This account was closed on XX/XX/XXXX ). 
Despite the account being closed, Capital One has continued to report new late payment and/or derogatory marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached payment history with red Xs and warning triangles ). 
A closed account can not accrue new late payments because no payment is due after closure. These post-closure late/derogatory marks are factually inaccurate and violate FCRA 623 ( a ) ( 1 ) ( A ) accuracy requirements ( see CFPB consent orders against Capital One XXXX & XXXX and XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate. Below is a breakdown of the disputed accounts, separated by each bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am filing this dispute because my Experian credit report contains information that appears to be inaccurate and harmful to my credit reputation. Upon review, I found accounts showing as charged off and late that either do not belong to me or have been misreported. I am exercising my rights under FCRA 611 to request an investigation into these accounts. I ask that Experian verify all disputed information directly with the furnishers and delete or correct anything that can not be fully substantiated with proper documentation. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1800.00} These entries appear to be inaccurately reported or unverified. Please confirm their legitimacy or remove them from my file. 

Inquiries No disputed inquiries for Experian at this time. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification of these late payment records. If Experian or the creditors can not provide documentation proving the accuracy of these late payments, please delete or correct the information accordingly.

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