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 — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On my credit account for Bridgecrest : The balance appears incorrect and incomplete Insurance credits or total-loss credits are missing The deficiency calculation has not been provided The payment history and dates appear inaccurate The creditor has not provided required documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Glick Management, LLC
State: OH

Complaint narrative:
Dear XXXX XXXX, I am submitting this complaint regarding Tri State Auto XXXX Cincinnati Premier finance and XXXX XXXX  XXXX XXXX for ongoing issues with my vehicle, misrepresentation of repairs, financial harm, and failure to provide adequate communication. 

Background and Timeline : I purchased the vehicle on XX/XX/XXXX2025. 

The vehicle became inoperable on XX/XX/XXXX 2025. 

I attempted repairs myself, then turned it over to the dealerships shop on XX/XX/XXXX 2025. 

The vehicle was returned on XX/XX/XXXX 2025, still not functioning properly. 

On XX/XX/XXXX 2025, the dealership assured me the vehicle was completely fixed. 

Over the weekend following, the steering wheel locked briefly while turning. 

On XXXX XXXX, 2025, while driving in the rain, the steering wheel locked completely and all dashboard codes illuminated the same issues previously identified by the shop. 

Today XX/XX/XXXX having all the same issues I have called texted and emailed them Financial Impact : I was required to make a payment before receiving the car back, despite its nonworking condition. 

Payments were only paused after that, yet the dealership reported me as delinquent, resulting in a negative mark on my credit report. 

I have had no loaner vehicle for over four months, forcing me to pay for XXXX, food delivery, and support from friends and family. 

Safety Hazard : The steering wheel locking while driving presents a serious risk to my safety and others on the road. The dealerships assurance that the vehicle was completely fixed was false, and the defect persists. 

Requested Resolution : Immediate correction of the negative credit report entry. 

Reimbursement or credit for the XXXX payment and documented expenses incurred while the car was unusable. 

Provision of a loaner vehicle or transportation reimbursement until the car is safely operable. 

Written explanation of why the vehicle was released as fixed when the defect persists, and a clear plan for permanent resolution. 

Failure to Respond : I have repeatedly requested written updates from the dealership, including directly from the shop supervisor, but have received no response. 

Closing Statement : My life, and the lives of everyone who rides in my car, should matter to you. This is not just a mechanical issue it is a serious safety hazard that demands immediate action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
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: NC

Complaint narrative:
I am submitting this as a second formal dispute regarding multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report. Upon thorough review of my file, I identified numerous accounts reported incorrectly, including an inaccurate address, late closed accounts, charge-offs, collections, and inquiries that require detailed verification and correction. These reporting errors are misleading, inconsistent with my actual payment history, and violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), 604 ( a ), and 623 ( a ) ( 2 ), which obligate consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$270.00} Original Creditor 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  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$930.00} Original Creditor 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this as a second formal dispute regarding multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report. Upon thorough review of my file, I identified numerous accounts reported incorrectly, including an inaccurate address, late closed accounts, charge-offs, collections, and inquiries that require detailed verification and correction. These reporting errors are misleading, inconsistent with my actual payment history, and violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), 604 ( a ), and 623 ( a ) ( 2 ), which obligate consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$270.00} Original Creditor 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  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$930.00} Original Creditor 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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, Please remove the following late payment off my credit record. I am writing to request that it be removed. A billing error has occurred here. I never overdue this payment at any point in time. My account is set up to automatically pay me, therefore I have never missed a payment. We ask that you please update to never late. Within this letter, I have attached all of the required documentation.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Greetings, Please remove the following late payment off my credit record. I am writing to request that it be removed. A billing error has occurred here. I never overdue this payment at any point in time. My account is set up to automatically pay me, therefore I have never missed a payment. We ask that you please update to never late. Within this letter, I have attached all of the required documentation.

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: HI

Complaint narrative:
I am submitting this letter as a third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon careful review, I have identified several inaccuracies in the reporting of my personal information, open and closed accounts, charge-offs, and collections. These inaccuracies are misleading, inconsistent with my verified financial records, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. This is my third request for reinvestigation, and I expect a thorough and comprehensive review of all disputed items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am submitting this letter as a third formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon careful review, I have identified several inaccuracies in the reporting of my personal information, open and closed accounts, charge-offs, and collections. These inaccuracies are misleading, inconsistent with my verified financial records, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. This is my third request for reinvestigation, and I expect a thorough and comprehensive review of all disputed items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Greetings, Please remove the following late payment off my credit record. I am writing to request that it be removed. A billing error has occurred here. I never overdue this payment at any point in time. My account is set up to automatically pay me, therefore I have never missed a payment. We ask that you please update to never late. Within this letter, I have attached all of the required documentation.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AS

Complaint narrative:
I am submitting this letter as a second formal dispute regarding multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report. Upon careful review, I have identified an inaccurate address and several charge-off accounts reporting XXXX balances that require clarification and correction. These inaccuracies are misleading, inconsistent with my verified financial records, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. 
XX/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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TomoCredit Inc.
State: AL

Complaint narrative:
On XX/XX/year> I was obviously fraudulently charged an insane amount from restaurants on my account with TOMO credit! They have refused to get back with me after some time and never did anything to resolve the issue. I have several emails dating from XX/XX/year> to now of failed responses. All this time later and they still have not done anything to reach out to me or get this issue resolved. They even reported to my bureau and I had to pay {$2000.00} to get it off. I have several documentations/proof of these fraud charges I will try and attach. You can see my attempts to reach out to someone, but all I get is their robot. Their number never worked for me back then and I would always be rerouted to an automated email. Seems they may finally have a working number but not sure if I will actually get a human to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> chat dialogue with customer support about transaction decline and unavailability of my card. Company 's response was irrelevant. All I was told was what I was already aware of the fact that I can not use my card and the fact that my transactions were declined. Upon request of any steps to regain access for use of my card or information on why, they denied me access that information and do not have any further knowledge or suggestions to aid in my situation..

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Subject : Immediate Action Required : Dispute of Inaccurate Information Due to Data Breach To Whom It XXXX Concern, I am writing to formally dispute the inaccuracies on my credit report resulting from a recent data breach. This breach has compromised my personal information, leading to unauthorized accounts and inquiries that are damaging my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information that is inaccurate or incomplete. 

The following entries are a direct result of this breach and must be investigated and removed immediately : Unauthorized Accounts : 1. Chapter 7 Bankruptcy Case Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. Chapter 7 Bankruptcy 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
discovered an account with XXXX XXXX appearing on my credit report that I never opened or authorized. Experian, the credit reporting agency, has repeatedly reported this account as accurate, despite my requests for validation and proof of the debt, which I never received. I have documentation showing prior disputes with Experian and notifications from them that incorrectly state I submitted a dispute on a date I did not. 

The account in question has been reported as charged off, with a balance of {$240.00}, and has negatively impacted my credit history. I previously submitted a dispute with Experian regarding this account and provided supporting documentation, including prior certified mail letters for other accounts. Experian continues to verify the account as accurate, even though XXXX has been reported to the OCC for non-responsiveness. 

I am requesting that the company remove this account from my credit report, as I have no knowledge of, nor did I authorize, this account. I also request that Experian adhere to its obligations under the Fair Credit Reporting Act to investigate accurately and not falsely report disputes or verification that never occurred. 

I request that Experian immediately remove the XXXX XXXX account from my credit report, as it is not mine and I never authorized it. I also request that Experian provide written confirmation of the removal and ensure that no false verification or misrepresentation of disputes occurs in the future.

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: NC

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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