vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
am submitting this complaint regarding an inaccurate collection account being reported by Jefferson Capital Systems, and XXXX XXXX on my credit reports with XXXX, XXXX, and XXXX. 
The account in question was closed and the balance was fully paid. Despite this, Jefferson Capital continues to report a negative balance and derogatory status. In fact, my records indicate that Jefferson Capital as well as Midland Credit owes me a credit balance, meaning there is no valid debt to report.

I have already contacted the credit bureaus and Jefferson Capital, and Midland Credit directly, but the inaccurate information remains on my reports. I am requesting that the Consumer Financial Protection Bureau review this matter and assist in having the incorrect collection account permanently removed from all three credit bureaus to ensure my credit files accurately reflect the accounts paid and closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-27 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: 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 id-entity 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 complete and accurate.

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 2025-10-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and fraudulent accounts are still being reported without being validated properly! I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-27 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: VA

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Unauthorized Hard Inquiries Reference : FCRA 604 and 611 To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute and request the deletion of all unauthorized hard inquiries listed on my Equifax credit report. My identifying information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer report may only be accessed under permissible purposes, such as with my written authorization or in connection with a credit transaction initiated by me. Any inquiry appearing on my report without my consent or a permissible purpose violates federal law. In accordance with FCRA 611, I am formally disputing the validity of these inquiries. I request that Equifax conduct a reinvestigation to verify each inquiry. If Equifax or the furnisher can not provide documentation with my explicit written authorization for any inquiry, those inquiries must be deleted immediately. Please complete this reinvestigation within the 30-day period required by law and send me written confirmation of your findings. If Equifax fails to verify the legitimacy of these inquiries, I expect their prompt removal to maintain compliance with the Fair Credit Reporting Act. Thank you for your immediate attention to this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Caine & weiner opened XX/XX/year> amount {$200.00} have no idea how.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARVANT FINANCIAL LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX Duplicate Paid, Closed listings ( Opened XX/XX/XXXX & XX/XX/XXXX ). 
2. Carvant Financial LLC Charged-off balance {$7900.00} ; unverifiable debt and missing original instrument. 
XXXXXXXX XXXX XXXX XXXX Closed account showing {$60.00} past due without substantiation. 
XXXX XXXX XXXXXXXX Duplicate tradelines ( Opened XX/XX/XXXX & XX/XX/XXXX ). 
XXXX. XXXX XXXX Incorrect Potentially Negative status ; {$0.00} balance. 
XXXX. XXXX XXXX XXXX XXXX Erroneous Potentially Negative flag on paid/closed account. 
XXXX. XXXX XXXX and XXXX Unverified negative reporting . 
Personal Information Errors : Please remove incorrect name variations ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) and obsolete addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint to demand an immediate federal investigation into a missing {$1000.00} transfer between Bank of America , N.A . and XXXX XXXX XXXX XXXX. 

The money was withdrawn from my Bank of America account and sent to XXXX, but it was never credited to my XXXX account and never returned to me. I have been trapped in a cycle of blame-shifting between both institutions for weeks : - Bank of America claims the transaction was completed and tells me to contact XXXX. 
- XXXX claims they never received the funds and tells me to contact Bank of America. 

As a result, my {$1000.00} has simply vanished, and neither institution provides proof of where the funds are currently held. 

I have already filed formal complaints with both companies, and both responded with generic template replies, completely avoiding the substance of my claim. This appears to be gross negligence, willful disregard of consumer protection obligations, and potential concealment of financial misconduct. 

This situation represents a serious breach of consumer protection law and possibly a coordinated evasion of regulatory accountability. Both institutions are effectively accusing the consumer of fraud by implication while refusing to produce evidence or return the funds. 

I am requesting CFPB to : 1. Initiate a formal inter-institutional investigation involving both Bank of America and XXXX XXXX XXXX XXXX. 
2. Obtain verifiable documentation of the transaction trail and current location of funds.

3. Enforce restitution of the missing {$1000.00} to my account.

4. Escalate this case to higher regulatory or enforcement authorities if either institution continues to obstruct or ignore the investigation. 

Furthermore, I must make this clear : if CFPB fails to act or dismisses this case with another automated template response, I will file a formal complaint against CFPB itself for negligence and complicity in an apparent coordinated consumer fraud scheme between regulated entities. 

This is not a casual complaint this is a documented case of lost funds, mutual denial of responsibility, and complete regulatory inaction. I expect CFPB to take this as a priority case and ensure that accountability is enforced on all sides, including regulatory bodies if necessary.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the late payment reporting on my closed XXXX account XXXX This information is inaccurate and unverifiable. 

The account shows a {$0.00} balance, was closed by the credit grantor due to inactivity, yet it is still being reported as XXXX days late. Under the FCRA 1681e ( b ), furnishers must ensure maximum possible accuracy of credit information. If the account was closed and there is no outstanding debt, reporting severe delinquency is inconsistent and misleading. 

I am requesting that the furnisher provide complete documentation validating : The specific dates the payments became late Proof that a delinquent balance existed during those dates Billing statements showing I was notified of late status Exact date of charge-off or delinquency event If the furnisher can not validate the accuracy with proper documentation, the late payment status must be removed from all credit bureaus ( TransUnion, Experian, Equifax ) . 

This incorrect negative reporting is harming my creditworthiness and must be corrected immediately under FCRA 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 2025-10-27 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: TX

Complaint narrative:
I am disputing the late payment reporting on my closed XXXX account XXXX This information is inaccurate and unverifiable. 

The account shows a {$0.00} balance, was closed by the credit grantor due to inactivity, yet it is still being reported as XXXX days late. Under the FCRA 1681e ( b ), furnishers must ensure maximum possible accuracy of credit information. If the account was closed and there is no outstanding debt, reporting severe delinquency is inconsistent and misleading. 

I am requesting that the furnisher provide complete documentation validating : The specific dates the payments became late Proof that a delinquent balance existed during those dates Billing statements showing I was notified of late status Exact date of charge-off or delinquency event If the furnisher can not validate the accuracy with proper documentation, the late payment status must be removed from all credit bureaus ( TransUnion, Experian, Equifax ) . 

This incorrect negative reporting is harming my creditworthiness and must be corrected immediately under FCRA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} tied up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Bridgecrest and its vendor claimed to have already inspected my vehicle through photographs to prove they caused no damage during repossession. I explained that drivetrain damage can not be assessed through photographs. Following that, XXXX XXXX of XXXX XXXX XXXX promised a full inspection by XX/XX/year>, at my expense. When I agreed, Bridgecrest demanded the identity of my independent inspector to ensure the proper paperwork was completed. I refused, as that information is not required for them to comply with my lawful right to inspection. 

Immediately afterward, I was told my vehicle was still located at my home addresswhere it has not been since XXXX XXXX that my personal belongings had been transferred to Arizona without my knowledge or consent. I have not received contact information for whoever now holds my property, nor an inventory or chain of custody record. When I questioned these inconsistencies, all communication stopped. I was redirected to legal, which has ignored all correspondence since XX/XX/XXXX. 

Given these contradictions and the sudden silence, I have strong reason to believe Bridgecrest and its vendor are performing unauthorized repairs or reconditioning in an attempt to conceal damage from the original repossession. I have repeatedly instructed them to cease all work and preserve evidence, yet they have refused to acknowledge or confirm compliance. 

Bridgecrest has also ignored my federally protected XXXX accommodation requiring all communication in writing ( email or text only ). Despite multiple formal notices, they continue to attempt phone calls and deny access to written documentation. 

As a direct result, I have suffered severe financial loss and extreme emotional distress. I have been without transportation or income for nearly XXXX months and remain unable to work or safely recover my property. Bridgecrests concealment, lack of communication, and discrimination reflect deliberate bad faith and warrant supervisory investigation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Well basically I noticed all these hard inquires starting to pop up and Im new with credit, I haven't used it since my XXXX ' ( XXXX XXXX now ) and just figured out how important it was an so I called every company that gave me a hard inquires because I can say that XXXX responsible for a XXXX hard pull an a penfed hard pull becuase thats the only accounts I have an I haven't tried to do anything with my credit except for fix it, and by that I mean make on-time payments with my credit card.my credit was a XXXX in XXXX I've worked really hard an then when this happened honestly it was like a kick in the XXXX struggling so bad an it's like the harder I try the worse it gets.i have XXXX young boys that deserve a better life than what XXXX giving them an im doing everything I know to do the right thing and all XXXX asking is to XXXX XXXX an remove the hard inquires becuase I haven't tried to do anything with my credit except the XXXX accounts I said.I believe someone is trying to use my ssn and thats why XXXX making this complaint an hoping there is someone out there thag can relate an please help me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
After receiving a detailed report from XXXX  XXXX XXXX, I read that this is a debt that started back in XXXX and was sold to XXXX XXXX XXXX  XX/XX/XXXX. I called Gurstel Law Firm PC on XX/XX/XXXX to offer a settlement amount. I left a voicemail and they never returned my call. 

I believe they never called me back because they want to continue on this horrible path of threatening to garnish my wages. I would like to settle and cancel this once and for all. This company thrives on causing people fear and XXXX, keeping threats ongoing as long as possible and they are not proactive in trying to resolve these debts. I have called twice already trying to settle this with them but they do nothing to resolve this. I have also lost days of work to go to court and I could never find where the hearings are being held. They mail threatening court documents that mention that they can have this continue for 10 year with the signature of a judge yet nothing offering to put an end to this. 

I need this to end! I do not want this to keep going any longer. I want to settle this once and for all!!!!

Company response to consumer: Closed with explanation