vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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 submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : [ No charged off accounts listed for Equifax ] Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, OneMain re-aged my installment loan ending in XXXX and reported XX/XX/XXXX as current. 
I have since paid XXXX and XX/XX/XXXX in full and early making the loan completely current with {$0.00} past due. 
When I requested deletion of the XXXX XXXX late payments ( XX/XX/XXXX days ), OneMain denied, stating the account was not current until XXXXt because late fees kept accruing. 
This is inaccurate. The XX/XX/XXXX re-aging officially reset the delinquency status and marked the account current beginning XXXX. The prior lates are now inaccurate under FCRA 623 ( a ) ( XXXX ) ( A ) and OneMains own re-aging policy. 
Please direct OneMain to delete these late-payment remarks from all XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 against Bridgecrest regarding the handling of my auto loan, interest, payment application, late fees, hardship options, and credit reporting. 

I have had this loan since XX/XX/XXXX. For the first full year of payments, almost my entire monthly payment of {$580.00} went toward interest only. My principal balance barely went down and is still over {$19000.00}. This raises concerns about how interest and payments have been applied to the loan from the beginning. 

I later had an approved extension/deferment XX/XX/XXXX and then went on unpaid maternity leave XX/XX/XXXX, which is a documented financial and medical hardship. During this time, interest continued to build up, creating negative amortization. After returning to work, my payments continued to go almost entirely to interest. My account becomes past due every billing cycle even though I am making payments, because the past-due balance is all interest from the maternity leave period. 

Bridgecrest continued to add late fees during this time even though the delinquency was caused by the extension, maternity leave, and the way interest is being applied. These late fees increased the past-due amount and made it even harder for the account to become current. 

Today XX/XX/XXXX, When I contacted Bridgecrest, I asked about hardship assistance. My questions were specifically about whether they could adjust or waive the interest that built up during my maternity leave and what options were available to help bring my account current. Instead of providing real hardship options, I was told that they can not adjust interest because the loan uses simple interest, which is misleading. Simple interest describes how interest is calculated, not whether interest can be waived or adjusted. They did not explain any true hardship programs. 

Bridgecrest also suggested that I refinance the loan. At the same time, they have been reporting my account as past due to the credit bureaus. This has damaged my credit, even though the past-due balance is based on interest buildup and negative amortization. The late credit reporting now makes it harder for me to refinance, even though refinancing was the only solution Bridgecrest suggested, aside from paying extra each time I pay. 

Bridgecrest has not provided clear hardship options, has not explained how my payments are being applied, and has not offered a reasonable path to bring my account current. 

I have documentation of my extension and maternity leave. I have tried to resolve this directly with Bridgecrest, but the information they provided was incomplete, misleading, or incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I have filled out XXXX school misconduct forms for my XXXX private student loans. My school closed, lost all accreditation and has a lawsuit against them. I can not transfer credits, I can't use my degree. I found out about the lawsuit so submitted a XXXX school misconduct form with this information and they won't reopen my case to look into it again. They sent a letter stating they already looked at my form previously and will not look again. Automatically denied. Why am I paying on a student loan for a degree I A ) can't use and B ) can't transfer credits!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Request for Removal of Inaccurate Late Payment Consumer : [ Clients Full Name ] Last XXXX of XXXX : XXXX Date of Birth : [ XX/XX/XXXX ] To whom it may concern, I am submitting this formal dispute under the authority of the Fair Credit Reporting Act ( FCRA ), requesting the immediate removal of an inaccurately reported late payment. This derogatory item is the result of a bank error, not consumer negligence. 
DESCRIPTION OF THE ERROR The late payment reported on the account : [ XXXX  XXXX / XXXX ], dated [ Month/Year of the alleged late payment ], is inaccurate and unverifiable. 
The consumer has maintained an excellent, long-term payment history with no prior delinquencies. This single negative mark comes from a bank administrative error, verbally acknowledged but never corrected with the credit bureaus. 
LEGAL BASIS ( FCRA ) Under FCRA 15 U.S.C. 1681i, credit bureaus are required to : Investigate disputed information. 
Delete any information that is inaccurate, unverifiable, or incomplete. 
Ensure that the consumers file contains XXXX  % accurate information. 

Additionally, under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy. 
This negative entry fails to meet that standard. 
FORMAL REQUEST I am requesting the following action : XXXX. Immediate removal of the inaccurately reported late payment, as it can not be verified and is not accurate. 
XXXX written confirmation of the correction and deletion of this error. 
XXXX. A copy of the updated credit report reflecting the corrected information. 
This error is unfairly harming the consumers credit standing, despite their long history of responsible payment behavior. Per federal law, this must be corrected. 
Thank you for your prompt attention. I expect a resolution within the legally required XXXX period, as stated in the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX CT CA XXXX XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court California XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am submitting a formal complaint regarding the handling of my Citi XXXX XXXX credit card account ending in * * * XXXX ( Previously * * * XXXX ), including improper credit limit reductions, lack of required adverse action notices, inaccurate reporting, and financial harm resulting from Citis ongoing actions since XXXX. 

Despite maintaining timely payments with no XXXX delinquencies, Citi repeatedly reduced my credit limit immediately above my existing balance, ultimately lowering a previously increased limit of {$6200.00} down to {$2000.00} by XX/XX/XXXX. These reductions dramatically inflated my utilization ratio and created recurring financial harm. 

At no point did Citi mail me the legally required adverse action notices explaining these reductions or the subsequent closure. I have no written reason, no mailed notices, and no compliant adverse action disclosures under : Regulation B 12 CFR 1002.9 ( a ) ( 1 ), ECOA 15 U.S.C. 1691 ( d ), Regulation Z change-in-terms and adverse action rules, CFPB UDAAP standards ( 12 U.S.C. 5531 ).

Citi also engaged in contradictory and harmful reporting practices ; my mobile app shows the account as Closed, yet all three credit bureaus show the account as OPEN, carrying a balance. Citi continues to charge interest, collect payments, and report the account as open even after alleged internal closure. 

This discrepancy violates : FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy in reporting ), UDAAP unfair and deceptive practices, Regulation Z transparency requirements Citi also failed to provide consistent reasons for the limit decreases. I was verbally told that Citi is allowed to lower my limit in accordance with the contract terms and periodic credit review, which contradicts federal law requiring specific, factual reasons for any adverse action. 

The pattern of lowering the limit repeatedly to just above the balance, charging interest, closing the account internally, but reporting it as open publicly constitutes : Unfair credit practices, manipulation of utilization ratio, financial harm over multiple years, violation of reasonable consumer expectations, and unjust enrichment. 

This issue has persisted from XXXX, causing repeated financial instability, higher interest charges, reduced credit access, and derogatory effects on my credit profile.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-21 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: SC

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-21 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: SC

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Disputed accounts must be dealt with and removed within legal time specifications.

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 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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