vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
I am disputing the following items on my Experian credit report. These accounts and inquiries appear to be inaccurately reported, unverifiable, or incomplete. Please review and investigate each item thoroughly. 

Charged Off Accounts XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Acct XXXX : XXXX Opened : XX/XX/XXXX Balance : XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments XXXX XXXX XXXX  SS Acct XXXX : XXXX XXXX XXXX XXXX  SS Acct XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  Acct XXXX : XXXX XXXX  XXXX Acct # : 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 2025-11-24 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 a consumer attempting to repair my credit. I am requesting a full reinvestigation of the following accounts and inquiries. Many of these items appear inaccurate, outdated, duplicated, unverifiable, or inconsistent across the bureaus. Any account that can not be fully verified under the FCRA must be removed. 
CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX * XXXX XXXX * {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
b'Received call from people representing Experian.  Claimed someone in XXXX  attempted to obtain chase credit card.  They had all of my information: SSN, email address and cell phone.  Gave me two card cancellation numbers: CA XXXX and XXXXnTheir number is XXXX XXXX. I believe they are a scam but they have all of my information that I did not give to them.   Who do I report this too and protect myself?'

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 2025-11-24 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: CO

Complaint narrative:
The following accounts and inquiries appear to be duplicate entries with {$0.00} balances or unverifiable negative information. I request a full FCRA investigation. 

CHARGED-OFF ACCOUNTS XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-24 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: TN

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 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 2025-11-24 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: MI

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit reports. I am disputing the accounts and inquiries listed below because they appear incorrect, inconsistent between bureaus, or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). Any item that can not be verified must be removed .CHARGED-OFF ACCOUNTS XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$24.00} XXXX XXXX XXXX XX/XX/XXXX {$820.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENTS 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 2025-11-24 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Company : Bridgecrest Product : Auto Loan Issue : Incorrect information on my account / improper loan servicing Bridgecrest has been sending me multiple emails showing different past due amounts, different payment deadlines, and inconsistent total balances for my auto loan. The amounts reported have changed from {$1800.00} to {$1900.00}, then to {$2000.00}, all within days, and none of these increases were explained or itemized. 



Bridgecrest also sent conflicting deadlines for repossession and credit reporting, including XX/XX/XXXX and XX/XX/XXXX, without providing any official billing statements or documentation supporting these changes. 



These conflicting and shifting balances appear to be unfair and deceptive servicing practices and have made it impossible for me to understand or resolve my account. Bridgecrest has not provided : an itemized breakdown of the balance a consistent due date a payment history documentation for fees a correct statement of the true amount owed I am requesting that the CFPB order Bridgecrest to : Provide a corrected and verified balance Provide a full payment history Provide documentation for all fees and due date changes Stop collection, negative credit reporting, and repossession activity until the account is corrected I simply want accurate information and a fair chance to resolve my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-24 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: CO

Complaint narrative:
I am disputing the following accounts and inquiries because they appear inconsistent, outdated, or unverifiable. Many of these student loan entries are duplicated across multiple dates with {$0.00} balances. 

CHARGED-OFF ACCOUNTS XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} These appear to be duplicate or outdated student loan lines with no balance, yet still reported negatively. 

INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My car was repossessed, I paid what I owe on the car plus an additional XXXX XXXX XXXX cash to XXXX XXXX. I asked both kia and XXXX XXXX  for an invoice and a general accounting. Neither provided the information. After the reinstatement the tow truck company is changing me an additional {$450.00} for a key no one told me to return. The tow truck company also stole about {$500.00} worth of property from my car that I have already filed a police report about

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Re : recurrent holds on funds received from same checking account. For the past 3-4 years, I have received checks from a family trust account managed by my mother through XXXX XXXX XXXX . Every XXXX, the Trust issues disbursement checks of near-identical amounts, and I deposit said check into my Chase Personal Checking account. Each time, Chase places a 7-10 day hold on those funds claiming it's due to XXXX XXXX XXXX `` not communicating '' with them regarding the status of the check, and that the only way to resolve this issue is by initiating a conference call between myself and XXXX XXXX XXXX to verify the check 's paid status. However, since I am not listed on the XXXX XXXX XXXX checking account, they will not release any information without the account holder ( my mother ) being present on the call. For the past 3-4 years, I've successfully managed to request agents reduce the hold to 48hrs, but not without a tremendous amount of time and effort expended. The deposit I made from the trust was 10x larger than in previous years, and now I find Chase agents being adamant that they can not release the funds early due to the same issue of XXXX XXXX  XXXX not releasing information. The " XXXX XXXX XXXX won't communicate/confirm paid status '' line is a common script frontline staff use it's not entirely accurate. Banks don't need the paying bank 's verbal permission to clear a check ; they present it through the Federal Reserve clearing system, and it either clears or returns. XXXX  ( and most big banks ) participates in image exchange, so Chase usually gets confirmation within 12 business days, which contradicts the statements I've been receiving from Chase agents to date. In support of this, my mother ( who banks with XXXX XXXX ) had her funds cleared and available within 24hrs of deposit. I firmly believe that Chase utilizes these holds to enrich themselves by investing these funds for short durations before making them available to the rightful owners, the account holders. I have been a Chase customer for over 20years, and also hold my business accounts with Chase , however I am ready to move all my accounts to XXXX XXXX over this issue alone. To say that I am frustrated and insulted by Chase 's business practices is an understatement. I intend to share this cautionary story with any and every other Chase customer to ensure this practice is eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this CFPB complaint because TransUnion is reporting several accounts that do not belong to me, even after I completed a formal dispute. They failed to conduct a lawful reinvestigation under the FCRA, and these inaccurate accounts are still harming my credit. 

TransUnion continues to report the XXXX XXXXXXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, balance {$2400.00} ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$14000.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, balance {$0.00} ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX, balance {$270.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance {$0.00} ) * *, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, balance {$0.00} ), and XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$7500.00} ) none of which I have ever opened or authorized. They also continue to report false late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX ) * * and XXXX XXXX XXXX  ( opened XX/XX/XXXX ) * * even though Ive never been late. Additionally, an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX remains on my file without permissible purpose. 

I have no knowledge of any of these accounts or the inquiry, and TransUnion has not verified ownership as required by 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-11-24 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: FL

Complaint narrative:
Account number XXXX is being reported that I was 30 days late for the month of XXXX. I was never late for that month. Attached is a copy of the credit card statement that shows the month of XXXX was indeed paid on time. This error is ruining my credit.

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