vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$8200.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$6800.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$13000.00} XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$9800.00} XXXX XXXX  Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX XXXX XX/XX/XXXX Balance {$1800.00} Late Payments in Dispute XXXX  Acct : XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct : XXXX Request I am requesting that Experian : Conduct a full reinvestigation under FCRA XXXX. 

Provide documentation verifying ownership, balance, and status for each account. 

Remove any accounts or late payments that can not be verified.

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 2025-12-03 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: AR

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Subject : Complaint Regarding Unjustified Check Hold by Citizens Bank ( Check Issued by XXXX XXXX  via XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citizens Bank due to an excessively prolonged and unjustified hold placed on a check I deposited. The check was issued by XXXX and drawn on XXXX XXXX. 



Case Details : Involved Bank : Citizens XXXX XXXX XXXX XXXX XXXX  XXXX  ( via XXXX ) Check Deposit Date : XX/XX/XXXX Number of Holds : Three consecutive holds, with the latest hold extended until XX/XX/XXXX Despite AutoBuy confirming that there are no issues with the check, Citizens Bank has repeatedly extended the hold without providing a clear justification. This has caused unnecessary delays in accessing my funds. 



Supporting Evidence : Signed documents of the vehicle sale through XXXX. 

Photos of the check deposited via my mobile banking app. 



I kindly request that the CFPB investigate this matter to ensure that Citizens Bank complies with relevant regulations and releases my funds without further unwarranted delays. 



Thank you for your attention to this issue. I look forward to your guidance on the next steps. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I was sent a letter on XX/XX/year> to my home address addressed to me regarding a past due notice of {$120.00} due on XX/XX/year> in relation to a Synchrony Bank XXXX XXXX XXXX account that I never opened. A credit card report check then revealed the account had been opened on XX/XX/year> and the highest balance has been {$1200.00}.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I am filing this complaint because Bridgecrest has repeatedly refused to provide me with copies of my loan documents and will not communicate with me regarding a payoff or settlement, despite multiple requests. 

I have fallen behind on my car loan due to a significant decrease in income since the time I purchased the vehicle. At the time of financing, my income was more than double what it is now, and the payment was manageable. I have made every effort to keep the loan current, but the interest is accumulating faster than I can pay, and the balance continues to grow. 

Because of these hardships, I requested copies of my loan documents for review by an attorney. I have requested these documents at least three separate times over the past few months. When I contact Bridgecrest by chat, they tell me to call. When I call, I am told that a ticket needs to be created, but the documents are never sent. I have not received a single copy of the contract or any supporting documentation to date. 

In XXXX, I submitted a written letter to Bridgecrest detailing my financial situation and notifying them that the vehicle is worth far less than the current loan balance. The vehicle is valued at approximately {$3500.00}, while the loan payoff is around {$17000.00}. I have been paying on this vehicle for three years, yet the principal balance has only decreased by a few XXXX dollars. The current interest structure and lack of principal reduction appear predatory, and I am unable to verify the loan terms because Bridgecrest refuses to provide the contract. 

I also requested to negotiate a settlement or discuss any available options to resolve the account, including a reduced lump-sum payoff. Bridgecrest has not responded to this request either. 

Bridgecrests refusal to provide required documents or communicate about my account has left me unable to understand the contract, verify terms, or resolve the loan responsibly. I am seeking regulatory assistance to compel Bridgecrest to : Provide a full copy of my signed retail installment sales contract and all loan documents ; Provide an accurate payoff statement ; Communicate with me about possible options to resolve or settle the loan ; and Address the excessive interest accrual and the substantial difference between the vehicle value and the loan balance.

I want to resolve this matter in good faith, but Bridgecrests refusal to respond has made that impossible. I am requesting the CFPBs help to obtain the documents and communication I need to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are profoundly affecting me, causing significant distress and ongoing negative impacts that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

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 2025-12-03 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: MO

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$7400.00} INQUIRIES XXXX, XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
We had a JPMC XXXX credit card about a year ago that we were receiving fraud alerts on via text message from Chase. 

We decided to pay off the card and close the account. 

Months later we received a bill for thousands of dollars. 

We disputed this with Chase, and their fraud department just blanket determined that there was " no fraud '' even though their automatic system alerted us of fraudulent charges that we rejected, YET STILL MADE IT ON TO OUR ACCOUNT. 

Long story short, I decided to settle this for approximately {$2500.00} about a month ago. 

I called Chase asking them to do a courtesy with the credit agencies to have this removed, and Chase employee ( XXXX ) again raised her voice to me and said " it was determined there was no fraud ''. 

I am just asking for assistance in not punishing me on the credit reports due to a DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
TSI/XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TSI/XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am a consumer actively working on repairing my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$55.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX Late Payment Accounts : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
This is regarding my AAdvantage Aviator Card issues by Barclays Bank. I recently completed a balance transfer on this card. I had also made standard purchases on this card. The bank is applying my payments towards the interest free balance transfers instead of the interest bearing purchases. As a result, I am not able to stop paying interest on this account. This was not made clear at the outset otherwise I would have not requested the balance transfers. This is a misleading and abusive practice on the part of Barclays Bank.

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 2025-12-03 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 complaint as a consumer attempting to correct and verify inaccurate or incomplete credit information being reported by the credit bureaus listed below. I have attempted to resolve these matters directly with the credit reporting agencies but have not received satisfactory results. I am requesting that the Consumer Financial Protection Bureau assist in ensuring my rights under the Fair Credit Reporting Act ( FCRA ) are upheld, including the rights to accuracy, verification, and fair investigation. 


Charged Off Accounts in Dispute XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$7900.00} This account is being reported as charged off. I dispute its accuracy and request full verification and documentation of the alleged debt, including original creditor details, date of first delinquency, and proof of ownership. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX XXXX {$0.00} This account shows a charged-off status despite showing a {$0.00} balance. Please verify accuracy and correct any reporting inconsistencies. 

Inquiries in Dispute XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing this inquiry. Please provide verification of permissible purpose under FCRA 604. 

Late Payments XXXX XXXX ( XXXX XXXX ) Account # XXXX Please verify the accuracy and dates of all reported late payments, as I believe one or more may be incorrectly reported.

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