vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> 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 XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am submitting this complaint against NetCredit for unlawful actions under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXXXXXX XXXX XXXX  and the XXXX XXXX ( XXXX ), XXXX XXXX. XXXX. 

On or about XXXX XXXX, XXXX  reported information and/or made inquiries to the credit reporting agencies regarding my consumer credit file without my knowledge, authorization, or consent. 

Violations Under FCRA Under the FCRA, a company must have a permissible purpose ( XXXX XXXX. XXXX ) to obtain or report consumer credit information. 
XXXX  did not have my authorization or a permissible purpose to make inquiries or report information, constituting a violation of federal law. 
This has caused measurable harm, including a negative impact on my credit profile and score, distress, and impairment of my ability to obtain fair credit opportunities. 

Violations Under XXXX  The XXXX requires financial institutions to protect consumer financial information and restricts them from sharing such information with XXXX  XXXX  without providing notice and an opportunity to opt out. 
XXXX  failed to provide me the legally required privacy disclosures or opt-out rights before reporting my information to the credit bureaus. 

Additional Violation Failure to Provide Itemized Bill I formally requested an itemized bill/statement from XXXX  to XXXX the debt and the accuracy of the reporting. To date, the company has failed to provide this documentation. Continuing to report a debt to the credit bureaus without providing proper validation or billing records upon request constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). 

This lack of transparency further demonstrates XXXX unlawful and abusive practices and supports my request for corrective action and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Sensible Auto Lending, LLC
State: CT

Complaint narrative:
The vehicle in question wasn't reposed i still have the car this is inacurate information can you please removed this off my credit. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BANK OF AMERICA & BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
BANK OF AMERICA XXXX XXXX BANK OF AMERICA 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 2025-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I have a timeshare with XXXX XXXX  XXXX XXXX in XXXX XXXX. I owed annual fees pertaining to the timeshare. I received a letter from a creditor named XXXX Collections. I spoke to XXXX representative and told them I'd be making a direct payment to XXXX XXXX  XXXX XXXX. 
XX/XX/year> I made a payment in full to XXXX XXXX XXXX XXXX {$1200.00} I paid the amount listed on the most recent invoice for {$1200.00} The payment was addressed to the address listed on the recent invoice. The payment was mailed via XXXX certified mail with return receipt. In XXXX, I received the hardcopy receipt from the postal carrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Information Solutions, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Information & Demand for Deletion FCRA Violations To Whom It May Concern, I am writing to dispute and demand the immediate deletion of all inaccurate, fraudulent, and identity theftrelated information being reported on my consumer file. My personal data was compromised in the XXXX, Experian, XXXX, and XXXX data breaches, and as a direct result, I have been subjected to fraudulent activity and unauthorized accounts appearing on my report. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure maximum possible accuracy of consumer reports. Specifically : This are the account that are a result of identity theft and data breach. XXXX XXXX XXXX {$4900.00} #. XXXX opened XXXX. 
* 15 U.S.C. 1681e ( b ) requires you to maintain and report only accurate information.

* 15 U.S.C. 1681i requires you to reinvestigate disputed information within 30 days and delete unverifiable or inaccurate accounts.

* 15 U.S.C. 1681c-2 ( FCRA 605C ) requires you to block all information resulting from identity theft within 4 business days of receiving my dispute and supporting documentation. 
This letter serves as my formal dispute and self-attestation that fraudulent accounts and inquiries tied to my personal data breaches are not mine. I demand the immediate removal and blocking of all such accounts, inquiries, and any derivative reporting. 
I also remind you that failure to comply with these FCRA requirements exposes your agency to civil liability, statutory damages, and potential legal action. If these fraudulent items are not removed, I will pursue all remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as seeking relief in federal court.

Requested Action : 1. Delete and block all fraudulent accounts, inquiries, and information tied to the XXXX XXXX, Experian, and XXXX data breaches.

2. Provide me with a corrected consumer disclosure reflecting these deletions.

3. Provide written confirmation of compliance within 30 days, as required under the FCRA. 
Enclosed are copies of my identification documents and any supporting evidence necessary to verify my identity and validate this dispute. 
Failure to comply within the timelines set forth under federal law will result in immediate escalation of this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of social 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Need information on hardship interest rate reduction because the 0 % intro loan period is expiring and I can't make the increased payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding GRANDVIEW FINANCIAL SERVICESs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. GRANDVIEW FINANCIAL SERVICES has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

GRANDVIEW FINANCIAL SERVICES XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am reporting Bridgecrest for knowingly furnishing inaccurate late payments and failing to reasonably investigate after notice of dispute.

Under 15 U.S.C. 1637 ( b ) and 1666 ( TILA/FCBA ), Bridgecrest must provide timely, compliant periodic statements and may not treat an account as delinquentor report it latewhile a billing error exists or is under review. Bridgecrest did not provide compliant statements and still assessed late fees and furnished late payments. 

After I disputed through the CRAs and the CFPB ( Complaints Nos. XXXX, XXXX, and XXXX ), Bridgecrest responded with boilerplate verified language but provided no billing statements or supporting records. In each response, Bridgecrest stated they are reporting accurately to the credit reporting agencies. This is false. Their own payment ledger contradicts the derogatory history they furnished, proving that their verified accurate responses were knowingly misleading.

This violates FCRA 1681s-2 ( a ) ( no furnishing of info known or reasonably should be known to be inaccurate ) and 1681s-2 ( b ) ( failure to conduct a reasonable investigation after CRA notice ). It also shows willful disregard of 1637 ( b ) and 1666, because late payments were furnished and fees assessed without legally compliant billing statements.

I attached a single PDF with : ( 1 ) an Intent to Sue notice ( 15-day cure ), ( 2 ) XXXX  XXXX letter ( XX/XX/year> ) showing verified/updated, ( XXXX ) Bridgecrests own payment ledger contradicting the late history they furnished, and ( XXXX ) a side-by-side exhibit comparing the ledger vs XXXX  reporting as of XX/XX/year>. 

This is willful noncompliance. I am requesting immediate deletion of all late payments tied to the billing violations, correction of my tradeline, and reversal/refund of any late fees charged during non-compliant cycles. If not cured promptly, I will proceed with litigation under the FCRA and TILA/FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-09-18 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to ensure maximum possible accuracy, failure to conduct a reasonable reinvestigation, and failure to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

Despite submitting disputes with proper documentation, the credit bureaus continue to report inaccurate and unverifiable information on my file. I specifically requested details of their reinvestigation procedures, including the business name, address, and phone number of each furnisher contacted, the documentation relied upon, and the procedures used. They have failed to provide this, violating my rights under the FCRA. 

Disputed Items Include : Incorrect Personal Information : Previous addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and incorrect employer entry ( XXXX  ). 

Collections/Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

By continuing to report these items without proof of accuracy, the credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failing to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failing to provide the method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation