vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act Ally Financial account number ending XXXX has violate my rights.15 USC 1681 section 604 A section 2 states a consumer agency reporting can not furnish an account without my written instructions ;. Also under USC 1681 section 602 states I have rights to privacy. Another law state under 15 USC 1666B a Creditor may not treat a payment on a credit account under an open consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
Since I have consistently made on-time payments, the late payment on my account is puzzling and upsetting. I respectfully ask for its swift removal to reflect my true history.

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 2025-07-18 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: MD

Complaint narrative:
I am writing to formally dispute an inaccurate and inconsistent payment history reported for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a credit limit of {$300.00} ) on my credit reports from XXXX Equifax. 
As of XX/XX/XXXX, both credit bureaus are reporting different payment histories for what appears to be the same account : * XXXX reports on-time payments for XXXX, XXXX, XX/XX/XXXX and multiple missed payments in late XXXX and early XXXX. 
* Equifax, however, shows on-time payments only through XX/XX/XXXX, and incorrectly reports additional late payments for XXXX XXXX that do not match XXXX record. 
These conflicting entries can not both be accurate, and the discrepancies are harming my creditworthiness. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went to a mechanic to find out the reason for the constant shuddering and deceleration of my vehicle. I was informed I needed 4 new spark plugs and 4 new transmission coils immediately, and that the mechanic had already completed the replacement.

NOTE : I was NOT given a choice to hear the diagnosis and remedy prior to the work being completed.

The mechanic merely told me that about the aforementioned issue after they had already completed the work, which cost {$380.00}. In XXXX, I noticed that my car was still shuddering, and on a work trip on a Sunday, my car shut down on the side of the road. When I took it to another mechanic, they informed me that the previous mechanics had only changed 1 spark plug and 1 transmission coil, and that the other 3 of each were old.

I started to report the issue to Chase online, and was told that I needed to call their dispute line to complete the request, which I did. During the call, I reported the situation and provided all information that the customer service representative requested. I was told that ( a ) they would reach out to the company based on the information I provided, then ( b ) they would CALL me back. 

I did not receive a call back from Chase, and was recovering from a serious health issue and had limited online access from XXXX to XXXX of XXXX. 

When I reached out to them recently, I was told that they had contacted me via secure message in their online statement portal on XX/XX/XXXX, which I missed. This is not what the service rep said, as I was waiting for phone call from Chase. 

They also said they could no longer resolve the dispute so long after that fact, despite the fact that they had only contacted me 3 months after I had first filed the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX XXXX requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ), specifically FCRA 611 ( a ), 609 ( a ) ( 1 ), and Metro 2 compliance procedures. I am demanding an immediate investigation and permanent deletion of the inaccurate, unverifiable, and materially misleading information listed below.

As a consumer impacted by the Equifax Data Breach, my records require heightened scrutiny and regulatory attention. The following accounts are in clear violation of federal law and industry-standard reporting protocols, and are being reported to your bureau in willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting conflicting balances ( {$0.00} vs. {$3900.00} ) and contradictory statuses ( Current vs. Collection or Charge-Off ), in direct violation of FCRA 1681e ( b ) and Metro 2 guidelines. No proper verification or original contractual documentation has been provided. This tradeline is factually inaccurate, misleading, and non-compliant, and must be permanently deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an unverifiable collection account with no original contract or itemized billing history. Pursuant to FCRA 609 ( a ) ( 1 ), I hereby demand a full Method of Verification. This tradeline fails Metro 2 structural integrity and re-reporting accuracy requirements and must be deleted for lack of factual accuracy, completeness, and verifiability. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account appears to be a duplicate collection with a matching balance and data structure to the previous entry. You are in violation of FCRA 1681i for failure to remove duplicative, outdated, or unverifiable information. This entry must be deleted immediately.

You are legally required to respond within 30 days of receipt of this dispute, in accordance with FCRA 611 ( a ). If you can not provide original documentationnot screenshots or internal system summariesto verify each account with factual accuracy and Metro 2 compliance, then you are required by law to permanently DELETE them. Simply updating the tradeline or marking it as disputed does not fulfill your legal obligation.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, and civil litigation for willful non-compliance, negligent reporting, and statutory damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-18 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: NJ

Complaint narrative:
I am writing to dispute the reporting of an account by XXXXXXXX XXXX XXXXXXXX on my credit reports with Equifax, Experian, and TransUnion. I affirm that this account does not belong to me, and I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in the immediate removal of this inaccurate information. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1681e ( b ) Mandating credit reporting agencies to ensure maximum possible accuracy in the information they report.

15 U.S.C. 1681 ( a ) ( 2 ) Requiring fairness, impartiality, and respect for the consumers privacy in credit reporting.

15 U.S.C. 1692c Limiting certain types of communication and collection practices that violate consumer protections.

15 U.S.C. 1692g Requiring debt collectors to provide proper debt validation upon request, which I have not received in this case.

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 2025-07-18 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: NJ

Complaint narrative:
I am writing to dispute the reporting of an account by XXXXXXXX XXXX XXXXXXXX on my credit reports with Equifax, Experian, and TransUnion. I affirm that this account does not belong to me, and I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in the immediate removal of this inaccurate information. 

This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1681e ( b ) Mandating credit reporting agencies to ensure maximum possible accuracy in the information they report.

15 U.S.C. 1681 ( a ) ( 2 ) Requiring fairness, impartiality, and respect for the consumers privacy in credit reporting.

15 U.S.C. 1692c Limiting certain types of communication and collection practices that violate consumer protections.

15 U.S.C. 1692g Requiring debt collectors to provide proper debt validation upon request, which I have not received in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am resubmitting this complaint because the original ( closed XX/XX/XXXX ) was mishandled without proper investigation. Portfolio Recovery Associates ( PRA ) is reporting an account with a false Date Opened of XX/XX/XXXX. However, I made XXXX  documented payments directly to XXXX XXXX totaling {$1600.00} between XX/XX/XXXX and XX/XX/XXXX. The account was never marked as sold or transferred during that time, and PRA is reporting it as if none of that occurred.

The balance is inflated, no payment history is reflected, and the open date appears designed to re-age the tradeline in violation of FCRA 605 ( c ). This not only disregards my full payment history, but also falsely extends the life of the derogatory item. Ive disputed this multiple times. On XX/XX/XXXX, PRA responded to my last CFPB complaint by saying they would investigate and simultaneously closed the complaint without providing any documentation or resolution.

No chain of title has been provided. No validation of the debt. No correction of the tradeline. I have since filed a formal complaint with the FTC due to the ongoing violations and real-world harm I am actively being denied housing. I am now requesting a full manual review, and the permanent deletion of this tradeline from all credit reporting agencies in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Subject : Complaint Regarding Systemic Payment Processing Issues and Request for Goodwill Adjustment I am writing to respectfully request a goodwill adjustment concerning the late payments reflected on my credit report for my account with Bridgecrest. These late marks are a result of systemic errors and processing issues that occurred between Bridgecrest and XXXX XXXX XXXX, as documented in my CFPB complaints ( XXXX XXXX XXXX XXXX XXXX ). Specifically, from XX/XX/XXXX through XX/XX/XXXX, I experienced multiple payment discrepancies due to ongoing processing issues, which resulted in late payment reports and negative entries on my credit history. 

Between the time period of XX/XX/XXXX to XX/XX/XXXX, I experienced repeated systemic errors and processing discrepancies between Bridgecrest and XXXX XXXX XXXX, my previous bank. These issues resulted in processing issues between the two which resulted in difficulties with making on time, despite my efforts to make timely payments. 

Specifically, I encountered the following problems : - Payments scheduled and processed correctly from my bank account, but Bridgecrest erroneously reported these payments as returned or unpaid. 
- Systemic errors and glitches were confirmed through multiple complaints I filed with CFPB ( Complaint XXXX XXXXXXXX and XXXX XXXXXXXX ). 
- Despite assurances that the issues were resolved, similar problems persisted, leading to difficulty submitting payments.

Since switching my banking relationship to USAA, I have maintained a consistent record of on-time payments to Bridgecrest, demonstrating my commitment to fulfilling my obligations and improving my credit profile. I have taken proactive steps to ensure all future payments are processed without issue and plan to continue a positive payment history..

Given these circumstances, I kindly request that Bridgecrest consider removing the late payments reported during the period of these issues as a goodwill gesture. These late marks do not accurately reflect my payment behavior and were caused by circumstances beyond my control. Your assistance in this matter would greatly support my ongoing efforts to rebuild and maintain a strong credit standing.

Thank you very much for your understanding and consideration. I look forward to your favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts and inquiries that I did not authorize, open, or have any knowledge of. I believe my identity has been used fraudulently by an unknown individual or individuals. These accounts were created and used without my consent and are negatively impacting my credit. I am filing this report to officially declare that I am a victim of identity theft and to request that these accounts and inquiries be investigated, removed, and blocked under my rights provided by the FCRA and 15 U.S.C. 1681c-2. I did not authorize any of these transactions or applications.

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

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

Company 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Opt out To Whom It May Concern, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682. I also assert my right to opt out of transaction history per US Code 6801 privacy obligation policy. I am writing to dispute the accuracy of the information on my credit report. Upon reviewing the report, I have noticed several inaccuracies that require your immediate attention. 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED SEPT. 17, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 12 CFR 1016.1 Purpose and s

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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