vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I am filing this complaint against Equifax Information Services LLC for unlawfully and without notice denying me access to my credit report.

For years, I have been able to access my credit report through the Equifax website using my secure login credentials and security questions without issue. Recently, without any prior notice or communication, Equifax implemented a new requirement that I must submit both a selfie and a photo ID in order to view my report.

I discovered this change when I attempted to log into my account and was met with a message instructing me to call Equifax. When I spoke to a representative on XX/XX/year>, I was told that my security answers were incorrect, which they are not, and that the only way I could access my report was by uploading my government-issued ID and taking a selfie.

This new policy is burdensome, invasive, and effectively blocks me from exercising my rights under the Fair Credit Reporting Act ( FCRA ) to obtain my free annual credit report and to review my own credit file.

Even when attempting to request my report through XXXX, the only federally authorized site for free annual credit reports, I was denied access unless I complied with this new biometric/photo requirement.

My concerns and basis for complaint : No Prior Notice, Equifax did not notify me of this policy change, denying me an opportunity to prepare or use alternative verification methods.

Violation of FCRA Rights, The FCRA entitles me to a free annual credit report from each bureau without undue burden or extra requirements beyond identity verification.

False Claim of Incorrect Security Answers - My long-standing security answers were claimed to be incorrect, forcing me into the new process.

Unlawful Access Restriction - Equifaxs practices prevent me from accessing my own credit report through both their website and XXXX. 
Invasive & Unnecessary Data Collection - Mandatory selfie and photo ID upload is not a standard practice among all credit bureaus and raises privacy concerns.

I request that the CFPB investigate Equifaxs practices and require them to : Restore standard online access using existing login credentials and knowledge-based authentication.

Provide prior notice to consumers of any policy changes that restrict access.

Ensure that access to free annual credit reports is not conditioned on unnecessary biometric/photo collection.

I am prepared to provide screenshots, call records, and attempted access logs to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
I am filing a complaint against Bridgecrest Credit Company for inaccurate and misleading credit reporting related to a repossessed auto loan ( account ending in XXXX ). 
The account was opened in XX/XX/XXXX and became delinquent in XX/XX/XXXX. The vehicle was repossessed involuntarily on XX/XX/XXXX. Since then, Bridgecrest has reported a repossession status ( R ) every month for nearly XXXX years, from XX/XX/XXXX through at least XX/XX/XXXX. 
A repossession is a one-time event, not an ongoing condition. Continuously reporting R month after month is inaccurate, misleading, and punitive, and it creates the false impression of recurring repossessions. 
In addition, the credit report states that the last payment date was XX/XX/XXXX, but this is incorrect I did not make any payment on or after the date of repossession. This date is false and should be corrected. 
Bridgecrest is also reporting a deficiency balance of {$6700.00}, yet has failed to provide any documentation regarding : * The date and method of resale or auction * The resale value of the vehicle * The breakdown of fees, interest, or penalties applied * How the deficiency was calculated I am requesting that the CFPB investigate and compel Bridgecrest to : 1. Remove all R notations after the actual month of repossession.

2. Correct the inaccurate last payment date to reflect the true history.

3. Provide documentation supporting the balance owed, or remove the tradeline if it can not be substantiated. 
I am not disputing that the vehicle was repossessed. I am disputing the ongoing and inaccurate reporting, and the lack of documentation surrounding the deficiency balance.

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 2025-08-11 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: NJ

Complaint narrative:
I am disputing the XXXX XXXX XXXX allegedly filed under my name and XXXX on XX/XX/year>. I have never received proper verification from TransUnion, Experian, or Equifax that this public record was accurately matched to me using the required procedures under the Fair Credit Reporting Act ( FCRA ). 

The reporting contains multiple violations : Inconsistent court information TransUnion lists XXXX XXXX XXXXXXXX, Experian lists XXXX XXXX XXXX XXXX XXXXXXXX, and Equifax lists only XXXX  without specifying the XXXX. 

Mismatch in source verification My consumer disclosure shows None Match for XXXX XXXX  meaning no confirmed match to the primary source. 

Failure to provide documentation No signed XXXX XXXX  or certified copy has been provided to confirm this belongs to me. 

Incomplete and misleading reporting This creates inaccurate and incomplete consumer files in violation of FCRA 607 ( b ), 609, and 611. 

For security and identity theft prevention purposes, I have placed security freezes on third-party databases such as XXXX and XXXX. This ensures that any verification must be obtained directly from the original source in this case, the XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 non-monetary relief
Consumer complaint received 2025-08-11 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 a victim of identity theft, and multiple fraudulent accounts have been reported under my name without my authorization. Despite filing disputes with the credit reporting agencies, these accounts remain on my credit report. This is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Fraudulent Accounts : - XXXX | Account Number : XXXX | Date Discovered : XX/XX/XXXX - XXXX XXXX | Account Number : XXXX | Date Discovered : XX/XX/XXXX - XXXX  | Account Number : XXXX | Date Discovered : XX/XX/XXXX Violations : - * * FCRA 1681i * * : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. 
- * * FCRA 1681c-2 * * : Requires the blocking of information resulting from identity theft within 4 business days of receiving proof. 
- * * FACTA ( Fair and Accurate Credit Transactions Act ) * * : Requires immediate steps to prevent further harm to victims of identity theft.

- * * 18 U.S.C. 1028 * * ( Identity Theft and Assumption Deterrence Act ) : The unauthorized use of personal identifying information is a federal crime.

Resolution Requested : I am demanding the * * immediate removal * * of the fraudulent accounts listed above from all of my credit reports with Equifax, Experian, and TransUnion. I request written confirmation from each bureau that these accounts have been deleted and blocked from future reinsertion without proper certification as required by * * FCRA 1681i ( a ) ( 5 ) * *. 

Attachments : - FTC Identity Theft Report - Proof of identity - Proof of address This matter is extremely urgent, and any delay in resolution will result in further escalation, including additional complaints to federal regulators and potential civil action under FCRA and other consumer protection laws. 

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 2025-08-11 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company, LVNV fundind LLC, keeps sending emails saying I need to take care of the debt but they already paid for it according to USC section 605. This is going on from XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am the victim of identity theft, as documented in FTC Identity Theft Report # XXXX ( attached ). While reviewing my credit reports with Equifax and Experian, I discovered multiple accounts and inquiries that I did not open, authorize, or consent to. These fraudulent items include : XXXX Account # XXXX Opened XX/XX/XXXX {$1900.00} balance. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$100.00} balance. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$720.00} balance. 

Credit Inquiries XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX  XXXX XXXX ( XX/XX/XXXX ). 

I never applied for, opened, or authorized these accounts or inquiries. This information is inaccurate, unverifiable, and the result of criminal activity. Reporting these items violates the Fair Credit Reporting Act ( FCRA ) Sections 602A, 609, and 611, as they are neither accurate nor complete.

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 2025-08-11 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: GA

Complaint narrative:
My account with 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 1681eb. 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 1666b 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 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony bank issued Verizon XXXX card for me. XXXX payment due day is XX/XX/2025. I scheduled online payment for being processed on XX/XX/XXXX, which is the due day. Synchrony bank processed the payment on XX/XX/XXXX, while the payment is being processed, the Verizon XXXX XXXX card displayed a message on my logon page "! Your payment is past due ''. I tried to chat the issue with a representative, I was putting on hold for over 20 minutes. 

Never experienced so crazy bank!

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal complaint regarding inaccurate, obsolete, and unauthorized personal identifying information appearing on my credit report. I am writing to you under the protections of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate and current consumer information.

I have reviewed my credit report from [ Name of Credit Bureau, e.g., Equifax, Experian, TransUnion ] and have identified several pieces of personal information that are incorrect and must be immediately removed and corrected to reflect only my accurate current information. The presence of this misinformation is damaging and may lead to identity theft or other adverse financial actions. 

The following personal identifying information is incorrect and must be removed : Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aliases/Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former/Incorrect Employers : XXXX XXXXXXXX I am requesting that your office initiate an immediate investigation into this matter and order the credit bureau to remove this inaccurate, obsolete, and unauthorized information from my file. Please take the necessary steps to ensure that only my correct and current personal information is listed. 

I expect a response from your office regarding the outcome of this complaint. Thank you for your time and attention to this important matter.

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 2025-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In early XX/XX/year>, I attempted to register a USB Security Key with my Bank of America online banking account. 
The Bank of America official website states that customers without a U.S. mobile number or an active debit card can register a USB device as an additional security measure for logging in or transferring money. 
Based on this information, and after confirming via live chat in the Bank of America mobile app that the USB Security Key was the recommended option when receiving SMS messages was not possible, I purchased the device. 

However, when trying to add it, the system required me to verify my identity with a debit card. I only have a savings account and a credit card, but no debit card. This requirement directly contradicts both the official website information and the advice I received from your support channel. 

I have contacted Bank of America several times via chat and phone, but the responses have been negligent and contradictory, and no alternative verification method has been provided.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Equifax has my credit blocked and feeeze and I cant do anything to change because its impossible to login my account they didnt found me but when in stqrt a new account they said that i already have an account with my credentials so nothings happen and try to cal to XXXX different number of customers service and nothing the automated message stays in a round asking the same evwry minutes! 
Need to unlock my credit equifax also experian

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief