vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
b'This letter serves as my formal dispute and demand for deletion of inaccurate, incomplete, and unverifiable information being reported on my credit file regarding my USAA account. The entries in question include alleged late payments and an erroneous charge-off with a balance, both of which violate the Fair Credit Reporting Act (FCRA), 15 U.S. Code 1681 and other federal statutes.\n\nLegal Basis for Dispute\n\nUnverifiable Late Payment(s)\n\nThe alleged late payment(s) have not been verified with proper documentation as required by law. Under 15 U.S. Code 1681i, the credit bureau must delete any information that cannot be verified.\n\nFurther, 15 U.S. Code 1681s-2 strictly prohibits furnishers from reporting information they knowor should knowis inaccurate.\n\nCharge-Off Reporting with Balance\n\nThe account is reported as a charge-off yet continues to show a balance. This is contradictory and misleading. If a creditor has charged off the debt, it cannot simultaneously claim the balance as collectible.\n\nNo IRS Form 1099-C (Cancellation of Debt) has been issued to me, which is required if the debt was canceled. Reporting a charge-off balance without issuing this form is deceptive and creates a false representation of liability.\n\nViolation of FCRA Accuracy Requirements\n\nUnder 15 U.S. Code 1681e(b), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Continuing to report unverifiable, inconsistent, or false data is a clear violation of this provision.\n\nDemand for Immediate Deletion\n\nSince USAA and your agency cannot provide verifiable, consistent, and legally compliant documentation to support these entries, they must be deleted in their entirety from my credit file. Corrections or partial updates will not resolve the violations.\n\nIf this matter is not resolved and the inaccurate information is not deleted, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office. I will also consider pursuing legal remedies for damages under the FCRA.\n\nDisputed Account(s):\n\n[ACCOUNT# XXXX XXXX]\n\nYou are hereby required to complete your reinvestigation and provide written confirmation of deletion within 10 calendar days of receiving this notice.\n\nSincerely,\nXXXX  Denise Gomire\nSSN# XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX is reporting an account that has been fraudulently opened and/or used in my name without my knowledge, authorization, or consent. I did not open or authorize this account, and I have never received any benefit from it. This unauthorized activity has caused serious harm to my credit profile. I am submitting this FTC Identity Theft Report to dispute the accounts with the credit reporting agencies and to request that they be permanently blocked and deleted under 15 U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), which requires deletion of identity theft-related items within XXXX ( XXXX ) business days of receiving this report and proper documentation. I am also requesting that the credit bureaus send me a written confirmation once the fraudulent accounts have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I am disputing a debt that appears on my credit report related to an apartment lease. I never signed a lease or lived at this property. This account was opened fraudulently in my name. I sent multiple dispute and debt validation letters to the collection agency, requesting documentation proving I am responsible for this debt. They have not provided proof and continue to report it. I sent letters to the credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to ensure they received it and I still havent heard anything. I made an identity theft report and also I police report I sent all the companies this along with proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: COMPASS FINANCIAL HOLDING GROUP, LLC
State: TX

Complaint narrative:
Fraudulent and Unauthorized Credit Inquiry XXXX XXXX Dear Sir/Madam , I am writing to dispute a fraudulent and unauthorized credit inquiry that appears on my credit file under the protections of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The disputed inquiry is : Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize this inquiry, nor did I provide consent for XXXX XXXX to access my credit report. This is a fraudulent entry and a violation of my rights under FCRA 604 ( 15 U.S.C. 1681b ), which states that a consumer reporting agency may only furnish a consumer report for a permissible purpose with proper authorization.

Because this inquiry was made without my knowledge or consent, I am demanding the following actions : Immediate reinvestigation of this fraudulent inquiry, as required under FCRA 611 ( 15 U.S.C. 1681i ). 

The method of verification you relied upon to determine its validity, including documentation from XXXX XXXX proving I provided authorization.

Removal of this inquiry from my credit file if you can not provide documented proof of my consent.

I am also requesting that this dispute be treated as a potential case of identity theft or fraud. Please ensure that my file reflects this dispute and that I am provided with the results of your investigation within the 30-day period required by law.

Enclosed are copies of my identification and proof of address for verification purposes. 

Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX SSN:XXXX  ( 605B, 15 U.S.C. 1681c-2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and demand removal of fraudulent inquiries that appear on my credit file. These inquiries were made without my knowledge, authorization, or consent, and therefore are inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following inquiries are fraudulent : XX/XX/XXXX Navy Federal XXXX XX/XX/XXXX Navy Federal XXXX XXXX XXXX XXXXXX/XX/XXXX Navy Federal XXXXXXXX I never applied for credit with Navy Federal XXXX and did not authorize these hard inquiries. Reporting unauthorized inquiries is a violation of the FCRA because they misrepresent my consumer credit profile.

Under 15 U.S.C. 1681i ( a ), I have the right to dispute any item of information in my file, and the credit reporting agency must conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681b ( f ), a consumer reporting agency may only furnish a consumer report for permissible purposes, and users of consumer reports must certify such purposes. Because I did not grant authorization, Navy Federal XXXX had no permissible purpose to access my file.

Federal case law reinforces these rights : In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit reporting agencies must do more than a superficial investigation and must ensure disputed information is accurate.

In Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ), the court affirmed that consumer reporting agencies can be held liable when they fail to reinvestigate disputed information properly.

In Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ), it was recognized that obtaining a consumers report without a permissible purpose violates the FCRA and gives rise to liability.

Therefore, I demand the immediate removal of the above-referenced unauthorized inquiries. Please provide written confirmation once these inquiries have been deleted from my credit file. 




Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ SSN:XXXX  ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
After submitting a request in XX/XX/XXXX to retrieve my funds, XXXX  XXXX, formally known as Comenity Bank, eventually released them. Shortly thereafter, I requested the closure of my account, along with written documentation confirming the closure, via the banks app. I received no response. 

Over the following months, I made multiple phone calls to follow up on my request. During this time, I also discovered that my access to Bread Savings app had been discontinued. 

I sent an email in XX/XX/XXXX but again received no reply. In my most recent calls to Bread XXXX in late XX/XX/XXXX, I finally reached someone at either XXXX or XXXX, who instructed me to call XXXX to speak with the appropriate department. I called the suggested number but was unable to reach anyone. 

Typically, when there is any change to an accountsuch as an address update or modifications to a XXXX savings accountXXXX XXXXXXXX sends immediate notification. However, in this case, despite the account closure request, I have received no confirmation that the account has in fact been closed. 

When I attempt to log in online, the system still prompts me for a verification code sent to my phone, which suggests the account remains active. It has now been nearly a year since I first requested closure, and this ongoing lack of resolution is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Credit Report DisputXXXX XXXX XXXX Account\nDear Experian,\nI am writing to formally dispute inaccurate information that appears on my Experian credit report. The disputed account is listed as follows:\n\tCreditor Name: XXXX XXXXtAccount Number (partial): XXXXtDate Opened: XXXX XXXX XXXXXXXXStatus: Open\nThe report currently shows a XXXXday late payment in XXXX XXXX  and XXXX XXXX. This information is inaccurate and misleading because I have consistently made payments on this account, including throughout XXXX XXXX, and XXXX, as reflected in the payment history section of the report. My records confirm that the account has remained in good standing, with all payments either made on time or within the creditors grace period.\nThis erroneous late payment mark negatively impacts my creditworthiness. Under the Fair Credit Reporting Act (FCRA), I request that Experian conduct a reinvestigation of this item. If the furnisher XXXX XXXX) cannot provide proper verification of the alleged delinquency, I ask that Experian promptly delete or correct this information.\nPlease notify me in writing of the results of your reinvestigation. Enclosed are copies of my statements and supporting documentation highlighting the timely payments for your review.\nThank you for your prompt attention to this matter.\nSincerely,XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: PR

Complaint narrative:
I recently reviewed my credit report and found that my account with XXXXXXXX XXXX account XXXX is being reported inaccurately. The report shows late payments for XX/XX/year> and XX/XX/year>, even though these payments were made on time. 

Consumer reporting agencies are required to ensure that all information is reported with complete accuracy. I am requesting a thorough investigation into this matter and verifiable proof, with records, showing that these payments were actually late. If such proof can not be provided, I demand that the payments for XX/XX/year> and XX/XX/year> on the above-mentioned account be immediately updated to reflect paid on time status. 

Thank you for your prompt attention and cooperation in resolving this 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 2025-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan United States XXXX XXXX XXXXXXXX XXXX Near. [ XXXX ] Date : [ Insert Date ] To : Consumer Financial Protection Bureau RE : Complaint No. XXXX Supplemental Response Dear CFPB Case Officer, I submit this supplemental response concerning my complaint against XXXX, XXXX and Bridgecrest Credit Company , LLC. 

On XX/XX/2025, XXXX responded to the XXXX, claiming that I have not made a single monthly payment to Bridgecrest. This assertion is false and misleading. Enclosed is proof of payments accepted by Bridgecrest within the last XXXX days, including : XX/XX/2025 Normal Payment : {$4.00} XX/XX/2025 Principal Only Payment : {$220.00} Multiple late fees assessed by Bridgecrest on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2025 This evidence demonstrates that : XXXX. Payments were made and processed by Bridgecrest. 
XXXX. XXXX statement to the CFPB is materially false. 
XXXX. Bridgecrests account system now shows No Accounts Found, suggesting either discharge, extinguishment, or mismanagement of the XXXX. 

Requested Relief : CFPB should require XXXX to correct its false statement to the XXXX. 
CFPB should compel Bridgecrest to provide a full accounting of all payments received, charges assessed, and the current payoff status. 
CFPB should further compel Bridgecrest to either ( a ) file a lien release with the Michigan XXXX, or ( b ) prove the lawful basis for maintaining the lien. 

This supplemental filing incorporates the attached screenshot of Bridgecrest account activity as Exhibit XXXX. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
I am disputing the accuracy of information being furnished by XXXX XXXX regarding my account XXXX XXXXXXXX. The reporting on this account is inconsistent, misleading, and does not reflect my actual account status. 

On XX/XX/year>, XXXX notified me in writing that my account was closed due to delinquency. 

On XX/XX/year>, XXXX then reported that the account was enrolled in a 60-month Customer Assistance Plan with fixed payments and reduced APR. 

The alleged enrollment letter is dated XX/XX/year> ; however, I never received this letter or any statement confirming my participation. 

XXXX only produced this document in response to my CFPB complaint, not in the normal course of servicing, which calls its validity into question. 

This contradictory reporting violates : FCRA 623 Furnishers must provide complete and accurate information. A creditor can not report an account as closed/charged off while simultaneously reporting it active in a repayment program without consumer acknowledgment.

Metro 2 Reporting Guidelines Creditors are required to maintain consistency in account status, payment history, and compliance conditions. Reporting an account as both closed/charged off and enrolled in a repayment program conflicts with Metro 2 data standards and misleads automated scoring models.

Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) If XXXX claims a modified repayment program existed, then proper disclosures and notice of terms were required. I was never provided such disclosures, which raises compliance concerns under TILA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: MD

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors outlined in U.S code 1666 ( b ) under the billing error category : ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor pennymac loan services failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in erroneous designation as late- a sign of an evolving error-therefore I humbly request that the subsequent enterirs be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' and removed late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX]\n\nSubject: FCRA Dispute  Inaccurate and Unverifiable Credit Report Information\n\nI am submitting this complaint under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.) regarding inaccurate and unverifiable information on my Equifax credit report (Report Confirmation #XXXX, dated XXXX XXXX XXXX).\n\nDespite placing a fraud alert on my file, Equifax continues to report multiple inaccurate and unverifiable accounts, excessive inquiries, and charged-off accounts that do not belong to me.\n\nDisputed ItemsXXXXXXXX XXXX  Account ending XXXXXXXXReported balance $XXXX, status: Charged Off since XXXXXXXXI dispute this account as inaccurate and unverifiable.XXXXXXXX XXXX XXXX  Accounts ending XXXX, XXXX, XXXXReported balances of $XXXX, $XXXX, and $XXXX  respectively, all listed as Charged Off.\n\nThese are not my accounts and appear to be identity theft.XXXX XXXX XXXX   Account ending XXXXListed as charged off/ transferred with balance $XXXX.\n\nThis is inaccurate and unverifiable.XXXX XXXX   Account ending XXXXReported charge-off $XXXXThis account is not valid and must be removed.\n\nExcessive Inquiries\n\nEquifax lists XXXX  credit inquiries, many of which I did not authorize.\n\nI dispute all unauthorized hard inquiries as 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 2025-09-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX]\n\nSubject: FCRA Dispute  Inaccurate and Unverifiable Credit Report Information\n\nI am submitting this complaint under the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.) regarding inaccurate and unverifiable information on my Equifax credit report (Report Confirmation #XXXX, dated XXXX XXXX XXXX).\n\nDespite placing a fraud alert on my file, Equifax continues to report multiple inaccurate and unverifiable accounts, excessive inquiries, and charged-off accounts that do not belong to me.\n\nDisputed ItemsXXXXXXXX XXXX  Account ending XXXXXXXXReported balance $XXXX, status: Charged Off since XXXXXXXXI dispute this account as inaccurate and unverifiable.XXXXXXXX XXXX XXXX  Accounts ending XXXX, XXXX, XXXXReported balances of $XXXX, $XXXX, and $XXXX  respectively, all listed as Charged Off.\n\nThese are not my accounts and appear to be identity theft.XXXX XXXX XXXX   Account ending XXXXListed as charged off/ transferred with balance $XXXX.\n\nThis is inaccurate and unverifiable.XXXX XXXX   Account ending XXXXReported charge-off $XXXXThis account is not valid and must be removed.\n\nExcessive Inquiries\n\nEquifax lists XXXX  credit inquiries, many of which I did not authorize.\n\nI dispute all unauthorized hard inquiries as 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I received a live check from Tower LOAN, unsolicited, in the amount of {$3200.00}. I immediately called the opt-out number provided and was answered by a telemarketer trying to sell me senior life alert monitors. I explained why I called and she disconnected. I'm afraid of identity theft.

Company response to consumer: Closed with explanation